WO2021208755A1

WO2021208755A1 - Data processing and payment

Info

Publication number: WO2021208755A1
Application number: PCT/CN2021/085167
Authority: WO
Inventors: 刘晖
Original assignee: 支付宝实验室(新加坡)有限公司
Priority date: 2020-04-14
Filing date: 2021-04-02
Publication date: 2021-10-21
Also published as: CN113535372A

Abstract

Provided in the embodiments of the present description are a data processing and payment method and apparatus, a device, and a medium. The method comprises: receiving a second resource transfer request that comprises a second amount and a second account and that is sent by a second server; if the second resource transfer request triggers a resource supplement condition, then sending resource supplement data to a first client so as to display a resource supplement manner; receiving first feedback data, and sending a first resource transfer request that comprises a first amount and a first account to a target server, so that resources of a resource source account on the target server are reduced by the first amount, the first account being used to transfer resources to the second account; receiving second feedback data, and if it is determined according to the second feedback data that the resources of the resource source account are reduced by the first amount, then increasing the resources of the first account by the first amount, and reducing the resources of the first account by the second amount; and sending execution feedback data to the second server, so that the second server increases the resources of the second account by the second amount.

Description

Data processing, payment

Technical field

This application relates to computer technology, in particular to a data processing and payment method, device, equipment and medium.

Background technique

In the prior art, data processing is required in many scenarios to complete the need for resource transfer. In view of this, an efficient data processing solution is required.

Summary of the invention

The embodiments of this specification provide a data processing and payment method, device, equipment, and medium to solve the technical problem of how to perform resource transfer more efficiently.

In order to solve the above technical problems, the embodiments of this specification provide the following technical solutions:

The embodiment of this specification provides a first data processing method, which is applied to a first server, and includes: receiving a second resource transfer request including a second amount and account data of a second account sent by the second server; if the second resource When the transfer request triggers the resource supplement condition, the resource supplement data is sent to the first client corresponding to the first server, so that the first client displays the resource supplement mode; and the first feedback sent by the first client is received Data, sending a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the resources of the resource source account on the target server are reduced by the first Amount, the first account is used to transfer resources to the second account; receiving second feedback data corresponding to the first resource transfer request, if it is determined according to the second feedback data that the resources of the resource source account are reduced The first amount, the resources of the first account are increased by the first amount, and the resources of the first account are decreased by the second amount; and the resources of the first account are sent to the second server corresponding to the second amount. The execution feedback data of the resource transfer request, so that the second server increases the resource of the second account by the second amount.

The embodiment of this specification provides a second data processing method, applied to the second server, including: after resource transfer consulting conditions are triggered, sending a resource transfer consulting request including the second amount to each associated resource transfer server; receiving each resource The consulting feedback data corresponding to the resource transfer consulting request sent by the transfer server sends resource transfer mode data to the second client corresponding to the second server according to the consulting feedback data, so that the second client displays and For the resource transfer mode corresponding to each resource transfer server, if the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to make the resource corresponding to the resource transfer server The transfer method includes resource supplement prompt information; receiving the selected resource transfer method sent by the second client, if the consultation feedback data sent by the selected server corresponding to the selected resource transfer method includes the resource supplement prompt data , Then send a second resource transfer request including the second amount and account data of the second account to the selected server, so that the selected server will replenish the resources of the first account used to transfer resources. The resources of the first account are reduced by the second amount; receiving execution feedback data corresponding to the second resource transfer request, if it is determined according to the execution feedback data that the resources of the first account are reduced by the second amount, Then the resources of the second account are increased by the second amount.

The embodiment of this specification provides a first payment method, applied to a third server, and includes: receiving a payment request including a fourth amount and account data of a fourth account sent by the fourth server; if the payment request triggers a recharge condition, then Send the recharge data to the third client corresponding to the third server, so that the third client displays the recharge mode; receive the third feedback data sent by the third client, and correspond to the third feedback data The target server sends a recharge request including the third amount and the account data of the third account, so that the balance of the recharge account on the target server is reduced by the third amount, and the third account is used to send the fourth Account for payment; receiving fourth feedback data corresponding to the recharge request, and if it is determined according to the fourth feedback data that the balance of the recharge account is reduced by the third amount, then the balance of the third account is increased by the The third amount, and reduce the balance of the third account by the fourth amount; send the execution feedback data corresponding to the payment request to the fourth server, so that the fourth server will transfer the fourth account The balance is increased by the fourth amount.

The embodiment of this specification provides a second payment method, which is applied to the fourth server, including: sending a payment consulting request including the fourth amount to each associated payment server after the payment consulting condition is triggered; receiving the corresponding sent by each payment server According to the consultation feedback data of the payment consultation request, the payment method data is sent to the fourth client corresponding to the fourth server according to the consultation feedback data, so that the fourth client displays the information corresponding to each payment server Payment method, if the consultation feedback data sent by any one of the payment servers includes recharge prompt data, the payment method data is also used to make the payment method corresponding to the payment server include recharge prompt information; receiving the fourth client The selected payment method sent by the terminal, if the consulting feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, the fourth amount is sent to the selected payment server And a payment request for the account data of the fourth account, so that the selected payment server recharges the third account used for payment and reduces the balance of the third account by the fourth amount; receiving the corresponding payment For the requested execution feedback data, if it is determined based on the execution feedback data that the balance of the third account decreases by the fourth amount, the balance of the fourth account is increased by the fourth amount.

The embodiment of this specification provides a data processing device, including: a resource transfer accepting module for receiving a second resource transfer request including a second amount and account data of a second account sent by a second server; a resource transfer module for If the second resource transfer request triggers a resource supplement condition, the resource supplement data is sent to the first client corresponding to the device, so that the first client displays the resource supplement mode, and receives the first client The sent first feedback data sends a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the resources of the resource source account on the target server The first amount is reduced, the first account is used to transfer resources to the second account; and, the second feedback data corresponding to the first resource transfer request is received, and if the second feedback data is used to determine what is If the resources of the resource source account are decreased by the first amount, the resources of the first account are increased by the first amount, and the resources of the first account are decreased by the second amount; a resource transfer feedback module, And configured to send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resources of the second account by the second amount.

The embodiment of this specification provides a data processing device, including: a resource transfer consulting module, which is used to send a resource transfer consulting request including a second amount to each associated resource transfer server after a resource transfer consulting condition is triggered, and to receive each of the resource transfer consulting requests. According to the consulting feedback data corresponding to the resource transfer consulting request sent by the resource transfer server, the resource transfer mode data is sent to the second client corresponding to the device according to the consulting feedback data, so that the second client displays the information For the resource transfer mode corresponding to each resource transfer server, if the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to transfer the resource corresponding to the resource transfer server The method includes resource supplement prompt information; the resource transfer initiation module is used to receive the selected resource transfer method sent by the second client, if the consulting feedback data sent by the selected server corresponding to the selected resource transfer method includes The resource supplementary reminder data, then a second resource transfer request including the second amount and account data of the second account is sent to the selected server, so that the selected server can respond to the first resource transfer request. After the account is supplemented with resources, the resources of the first account are reduced by the second amount; the resource transfer module is configured to receive execution feedback data corresponding to the second resource transfer request, and if the execution feedback data determines the If the resources of the first account are reduced by the second amount, the resources of the second account are increased by the second amount.

The embodiment of this specification provides a payment device, including: a payment acceptance module, configured to receive a payment request including a fourth amount and account data of a fourth account sent by a fourth server; a payment module, configured to trigger if the payment request is triggered The resource supplement condition is to send recharge data to the third client corresponding to the device, so that the third client displays the recharge mode, and receives the third feedback data sent by the third client, and sends the recharge data to the third client. The target server corresponding to the three feedback data sends a recharge request including the third amount and account data of the third account, so as to reduce the balance of the recharge account on the target server by the third amount, and the third account is used to send The fourth account makes a payment and receives fourth feedback data corresponding to the recharge request. If it is determined based on the fourth feedback data that the balance of the recharge account is reduced by the third amount, the third account is Increase the balance of the third account by the third amount, and decrease the balance of the third account by the fourth amount; a payment feedback module, configured to send execution feedback data corresponding to the payment request to the fourth server, so that The fourth server increases the balance of the fourth account by the fourth amount.

The embodiment of this specification provides a payment device, including: a payment consulting module, which is used to send a payment consulting request including a fourth amount to each associated payment server after the payment consulting condition is triggered, and receive the corresponding payment server sent by each payment server. According to the consultation feedback data of the payment consultation request, the payment method data is sent to the fourth client corresponding to the device according to the consultation feedback data, so that the fourth client displays the payment method corresponding to each payment server If the consultation feedback data sent by any one of the payment servers includes recharge prompt data, the payment method data is also used to make the payment method corresponding to the payment server include recharge prompt information; the payment initiation module is used to receive For the selected payment method sent by the fourth client, if the consulting feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, the selected payment server is sent to the selected payment server. Payment request for the fourth amount and the account data of the fourth account, so that the selected payment server recharges the third account used for payment and then reduces the balance of the third account by the fourth amount; Module for receiving execution feedback data corresponding to the payment request, if it is determined according to the execution feedback data that the balance of the third account is decreased by the fourth amount, then the balance of the fourth account is increased by the fourth amount Four amounts.

The embodiment of the present specification provides a data processing device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the above-mentioned first data processing method.

The embodiment of the present specification provides a data processing device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the above-mentioned second data processing method.

The embodiment of the present specification provides a payment device, which includes: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the above-mentioned first payment method.

The embodiment of the present specification provides a payment device, which includes: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the second payment method described above.

The embodiments of this specification provide a computer-readable storage medium that stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the above-mentioned first data processing method is implemented.

The embodiments of this specification provide a computer-readable storage medium that stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the above-mentioned second data processing method is implemented.

The embodiments of this specification provide a computer-readable storage medium that stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the foregoing first payment method is implemented.

The embodiments of this specification provide a computer-readable storage medium that stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the above-mentioned second payment method is implemented.

The above-mentioned at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects: during resource transfer, if the resource balance of the account is lower than the required transfer amount, the resource balance can be supplemented and transferred in the same application to increase resources Transfer-related data processing efficiency and success rate.

Description of the drawings

In order to explain the embodiments of this specification or the technical solutions in the prior art more clearly, the following will briefly introduce the drawings that need to be used in the embodiments of the specification or the description of the prior art. Obviously, the drawings in the following description These are just some of the embodiments described in this specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor.

Fig. 1 is a schematic diagram of the execution subject of the data processing method in the first embodiment of this specification.

Fig. 2 is a schematic flow chart of the data processing method in the first embodiment of this specification.

Fig. 3 is a schematic diagram of the data processing process in the first and/or second embodiment of this specification.

Fig. 4 is a schematic diagram of a page in the first and/or second embodiment of this specification.

Fig. 5 is a schematic diagram of another page in the first and/or second embodiment of this specification.

Fig. 6 is a schematic diagram of another page in the first and/or second embodiment of this specification.

Fig. 7 is a schematic diagram of another page in the first and/or second embodiment of this specification.

Fig. 8 is a schematic flow chart of the data processing method in the second embodiment of this specification.

Fig. 9 is a schematic flowchart of the payment method in the third embodiment of this specification.

Fig. 10 is a schematic diagram of the payment process in the third and/or fourth embodiment of this specification.

FIG. 11 is a schematic diagram of a page in the third and/or fourth embodiment of this specification.

Fig. 12 is a schematic diagram of another page in the third and/or fourth embodiment of this specification.

FIG. 13 is a schematic diagram of another page in the third and/or fourth embodiment of this specification.

FIG. 14 is a schematic flowchart of the payment method in the fourth embodiment of this specification.

Fig. 15 is a schematic diagram of another page in the third and/or fourth embodiment of this specification.

FIG. 16 is a schematic diagram of the structure of the data processing device in the fifth embodiment of this specification.

FIG. 17 is a schematic diagram of the structure of the data processing device in the sixth embodiment of this specification.

FIG. 18 is a schematic diagram of the structure of the payment device in the seventh embodiment of this specification.

FIG. 19 is a schematic diagram of the structure of the payment device in the eighth embodiment of this specification.

Detailed ways

In order to enable those skilled in the art to better understand the technical solutions in this specification, the following will clearly and completely describe the technical solutions in the embodiments of this specification in conjunction with the drawings in the embodiments of this specification. Obviously, the described The embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments of this specification, all other embodiments obtained by a person of ordinary skill in the art without creative work shall fall within the protection scope of this application.

In the prior art, data processing is required in many scenarios to complete the need for resource transfer. Specifically, one or more servers can transfer resources according to the user's operation of a certain application on their terminal. Since resources are generally owned by Internet accounts, one or more servers can transfer resources between Internet accounts. But it often happens that the resource quota of the resource transfer account is not enough to complete the resource transfer process. In this case, the user needs to log out of the above-mentioned application, use other applications to supplement the resource transfer account, and then use the above-mentioned application to perform the resource transfer process, that is, through multiple applications and Multiple steps to complete the transfer of resources. It can be seen that the resource-related data processing efficiency in the prior art is low.

The first embodiment of this specification provides a data processing method. The execution subject of this embodiment can be a terminal (including but not limited to mobile phones, computers, pads, televisions, smart devices, the same below) or a server or platform or (operation) The system, etc., that is, the execution subject can be diverse, and the execution subject can be set, used, or changed according to needs. In addition, there may also be a third-party application program to assist the execution subject in executing this embodiment. For example, as shown in Figure 1, the data processing method in this embodiment can be executed by a server, and an application program (corresponding to the server) can be installed on a terminal (held by the user), and the terminal or application program and Data transmission can be performed between servers, and data collection or input or output through terminals or application programs, or page or information display (to the user), thereby assisting the servers in executing the data processing method in this embodiment.

As shown in Figures 2 and 3, the data processing method provided in this embodiment applied to the first server (that is, the execution subject may be the first server) includes:

S101: (first server) receiving a second resource transfer request including the second amount and account data of the second account sent by the second server;

In this embodiment, the first server may receive the second resource transfer request including the second amount and account data of the second account sent by the second server. After receiving the second resource transfer request, the first server executes the resource transfer process.

In this embodiment, before the first server receives the second resource transfer request sent by the second server, it may first receive the resource transfer consultation request sent by the second server, that is, the second server is sending the second resource transfer request to the first server. Before, the resource transfer consultation request can be sent to the first server first. The resource transfer consultation request is the pre-consultation of the resource transfer request initiated by the second server. It can be used to consult whether the first server can accept or complete the resource transfer request or resource transfer service initiated by the second server (next), or for It is consulted whether the resource transfer request initiated by the second server (next) meets the resource transfer condition of the first server, so every resource transfer consulting request can correspond to at least one resource transfer request. It can be seen that before the second server sends the second resource transfer request to the first server, the second server may first send the resource transfer consultation request corresponding to the second resource transfer request to the first server.

In this embodiment, resource transfer consulting conditions can be set. When the resource transfer consulting conditions are triggered, the second server issues a resource transfer consulting request. Generally, the user can register an account on the second server through the terminal and/or the application client corresponding to the second server on the terminal (the application client corresponding to the second server on the terminal is called the second client) And log in, so the terminal data of the terminal used by the user (terminal data includes but not limited to terminal identification, terminal identification includes but not limited to terminal ID, Mac, the same below), the second client, the user's registered account on the second server The account data, the registration data provided by the user when registering the account (including but not limited to account name, account password, user identity data, etc., which can be used as user identification), etc., are all stored on the second server, and mutual on the second server Correspondingly, the second server can lock any one of the terminal, the second client, the registered account, and the registration data, and can also lock the other three according to any one of the terminal, the second client, the account data, and the registration data. . For any user A, user A can operate the terminal and/or the second client, and the terminal and/or the second client send data corresponding to the operation of user A to the second server, which triggers resource transfer in this series of processes Consultation conditions. It can be seen that, on the one hand, whether the resource transfer consulting condition is triggered can be determined by the terminal or the second client, and the terminal or the second client sends data to the second server, so that the second server determines that the resource transfer consulting condition is triggered, and the determination condition triggers The terminal of is the trigger terminal, and the client that is triggered by the determination condition is the trigger client; on the other hand, the second server receives the data sent by the terminal or the second client, and the second server determines whether the resource transfer consulting condition is triggered according to the received data If the data sent by a certain terminal or a certain second client causes the second server to determine the triggering resource transfer consulting condition, the terminal is the triggering terminal, and the second client is the triggering client.

After the resource transfer consulting condition is triggered, the second server can determine the trigger terminal, the trigger client, the trigger account (referred to as the trigger account) of the trigger (ie user A), the trigger registration data, etc., and other data.

In this embodiment, the resource transfer consultation condition trigger may include the target application being opened and/or the target page being opened and/or the target button being clicked, the target application may be the second client, and the target page may be on the target application. The designated page and/or the designated page on the terminal, the target button may be the designated button on the page of the target application and/or the designated button on the terminal.

The second server may have multiple associated resource transfer servers. The resource transfer server is a server that can transfer resources to the second server. Further, the resource transfer server may be a server that can transfer resources to and from the second server. The association process between the second server and each resource transfer server may be initiated by the user's operation, for example, through user operation (including but not limited to operations such as input and/or selection on the terminal and/or application program), the second server determines A server that can perform resource transfer and performs data interaction with the determined server to complete the association or binding between the second server and the determined server. In this embodiment, the above-mentioned first server is the resource transfer server associated with the second server.

In this embodiment, after the resource transfer consulting condition of the second server is triggered, the second server may send the aforementioned resource transfer consulting request to each associated resource transfer server.

In this embodiment, the resource transfer consulting request may include: (1) a second amount, which is the resource transfer amount of the second resource transfer request corresponding to the resource transfer consulting request; and/or, (2) the second account The account data of the second account (the account data of the second account includes but is not limited to the account of the second account), the second account is the resource transfer account of the second resource transfer request corresponding to the resource transfer consulting request, and the second account is generally in the first 2. Registered or opened on the server; and/or, (3) trigger account and/or trigger registration data and/or trigger terminal and/or trigger client; (4) second resource transfer request corresponding to the resource transfer consultation request The type of resource transfer and/or resource transfer (event) identification; and/or, (5) other data. This embodiment does not limit the specific content of the resource transfer consultation request.

In this embodiment, the above-mentioned second amount can be determined by the trigger terminal and/or the trigger client according to the "existing data on the trigger terminal and/or the trigger client" when the resource transfer consulting condition is triggered, or by the second server according to the resource transfer When the consultation condition is triggered, "the data from the trigger terminal and/or the trigger client that the second server has received" is determined.

The first server may determine the first account used to transfer resources to the second account according to the received resource transfer consulting request, and the first account is registered on the first server. For example, if user A registers the first account (with resource transfer function) on the first server, user A logs in the above trigger account on the second server, and the first account is bound to the trigger account, then consult through resource transfer For the trigger account in the request, the first server may determine the first account corresponding to the trigger account; for another example, user A registers the first account (with the resource transfer function) on the first server, and registers the first account An account is also provided with registration data. Through the registration data of the trigger account in the resource transfer consultation request, the first server can determine the first account corresponding to the registration data of the trigger account; for another example, user A is on the first server Registered the first account (with resource transfer function) on the Internet, user A has the above trigger account on the second server, and user A has logged in the first account and the above trigger account with the same terminal, then the trigger in the resource transfer consultation request For the terminal data of the terminal, the first server may determine the first account corresponding to the terminal data of the trigger terminal.

Except for the first server, all other "resource transfer servers associated with the second server" can also determine their respective accounts for resource transfer. From the perspective of resource transfer, each resource transfer server associated with the second server is equivalent to a resource transfer-out server (or candidate resource transfer-out server), and the second server is equivalent to a resource transfer-in server; each resource associated with the second server The account used for resource transfer determined by the transfer server is equivalent to the resource transfer-out account (or candidate resource transfer-out account), and the aforementioned second account is equivalent to the resource transfer-in account.

According to the foregoing content, the second server sends a resource transfer consultation request to each associated resource transfer server, and accordingly, can receive consultation feedback data corresponding to the resource transfer consultation request sent by each associated resource transfer server.

For the first server, after receiving the resource transfer consultation request, the first server may send consultation feedback data corresponding to the resource transfer consultation request to the second server. If the first server cannot accept the second resource transfer request corresponding to the resource transfer consultation request (for example, the first account is abnormal, for example, the resource transfer type of the second resource transfer request is not the acceptable type of the first server, these can be called resource transfer Conditions are not accepted), the consultation feedback data can be used to indicate to the second server that resource transfer is not supported or similar meaning. If the first server can accept the second resource transfer request corresponding to the resource transfer consultation request, the consultation feedback data can be used to indicate to the second server that it supports resource transfer or the like.

After the first server receives the resource transfer consulting request, the first server may determine whether the resource transfer consulting request triggers the resource supplement condition. Specifically, the resource supplement condition may be that the resource balance of the first account is lower than the second amount. If the first server determines that the resource balance of the first account is lower than the second amount, the resource transfer consultation request triggers the resource supplement condition. If the resource balance (or resource transferable amount) of the first account is lower than the second amount, it means that the resource balance of the first account is not enough to complete the second resource transfer request corresponding to the resource transfer consulting request (that is, the first account needs to be supplemented) Resource), this is not a case of not accepting or not supporting resource transfer. The first server does not need to report to the second server that it does not support or not accept resource transfer or similar data. Instead, it sends the second server including "resource supplement Reminder data" consultation feedback data, resource supplement reminder data can be used to remind supplementary resources.

According to the above content, the consultation feedback data of each associated resource transfer server of the second server may include the second resource transfer request corresponding to the acceptance or non-acceptance (support or not) of the resource transfer consultation request.

The second server determines the resource transfer mode data according to the received consultation feedback data of each associated resource transfer server, and sends the resource transfer mode data to the trigger terminal and/or the trigger client. In this embodiment, the resource transfer method data can at least play the role described in 1.1 and/or 1.2 and/or 1.3 (not limited to 1.1 and/or 1.2 and/or 1.3):

1.1. Used to make the trigger terminal and/or trigger client display the resource transfer method

The resource transfer mode data enables the trigger terminal and/or the trigger client to display the resource transfer mode corresponding to each resource transfer server, that is, each resource transfer server can correspond to one resource transfer mode. For any resource transfer method, the resource transfer method may include the name and/or the resource transfer-out account on the resource transfer server corresponding to the resource transfer method (in the process of association between the second server and the resource transfer server, through user input After operations, the second server has stored the resource transfer-out accounts on each resource transfer server, so even if the resource transfer consulting request is not issued, the resource transfer method can also include the resource transfer-out account), so that the source of the resource can be indicated. For example, the resource transfer server associated with the second server includes server 1, server 2, server 3, and server 4. Then the trigger terminal and/or trigger client can display the resource transfer method 1 corresponding to server 1, and the resource transfer method corresponding to server 2. Resource transfer mode 2, resource transfer mode 3 corresponding to server 3, and resource transfer mode 4 corresponding to server 4 are shown in FIG. 4.

1.2. Used to enable the trigger terminal and/or trigger client to display resource supplementary prompt information

If the consultation feedback data sent by any resource transfer server to the second server includes resource supplement prompt data, the resource transfer method data is also used to make the "resource transfer method corresponding to the resource transfer server" include "resource supplement prompt information" , For prompting supplementary resources. For example, if the above-mentioned consultation feedback data sent by the server 1 includes resource supplementary prompt data, the resource transfer method 1 corresponding to the server 1 includes resource supplementary prompt information, as shown in FIG. 4.

1.3. Used to make the trigger terminal and/or trigger client display the sequence of resource transfer methods

The resource transfer mode data can not only enable the trigger terminal and/or the trigger client to display the resource transfer mode corresponding to each resource transfer server, but also enable the trigger terminal and/or the trigger client to display the sequence of each resource transfer mode. Specifically, the resource transfer mode corresponding to the resource transfer server that does not support the second resource transfer request may be ranked lower, and the display state of the resource transfer mode corresponding to other resource transfer servers may be different. For example, the resource transfer server associated with the second server includes server 1, server 2, server 3, and server 4. If the second server determines that server 2 does not support the second resource transfer request based on the consultation feedback data sent by server 2, then server 2 corresponds to The resource transfer mode of server 2 can be ranked lower, and the resource transfer mode corresponding to server 2 can be different from the display status of the resource transfer mode corresponding to the other three servers. For example, the resource transfer mode corresponding to server 2 is not selectable (ie, server 2 Unavailable or the resource transfer method corresponding to server 2 is not available), the resource transfer method corresponding to the other three servers is optional (that is, the other three servers are available or the resource transfer method corresponding to the other three servers is available).

After triggering the terminal and/or triggering the client to display the resource transfer method, it can receive the user's selection of the resource transfer method (according to the above content, some resource transfer methods may not be optional), and the user's selection of the resource transfer method It is sent to the second server, and the selected data includes the selected resource transfer method. The second server uses the resource transfer server corresponding to the selected resource transfer mode as the selected server.

Depending on the selected resource transfer method, there may be situations as described in 2.1 or 2.2 (not limited to 2.1 or 2.2):

2.1. The consultation feedback data sent by the selected server does not include the above prompt data

As mentioned above, each resource transfer server associated with the second server can determine the account used to transfer resources. If the consultation feedback data sent by the selected server to the second server does not include the aforementioned prompt data (indicating that the resource balance in the account for resource transfer determined by the selected server is not less than the second amount), then the second server A second resource transfer request including the second amount and account data of the second account is sent to the selected server, so that the selected server reduces the resources in the account determined by the selected server for resource transfer by the second amount.

2.2. The consultation feedback data sent by the selected server includes the above prompt data

If the selected server is the aforementioned first server, and the resource balance in the account for resource transfer determined by the selected server is lower than the second amount, the consultation feedback data sent by the selected server will include the aforementioned prompt data. In this case, the second server sends a second resource transfer request including the second amount and the account data of the second account to the selected server, so that the selected server will replenish the resources of the first account used to transfer resources. The resources of the first account are reduced by the second amount.

It should be emphasized that the above process of sending the resource transfer consulting request is not necessary. The second server can set the resource transfer condition. When the resource transfer condition is triggered, the second server automatically sends the resource transfer condition to the trigger terminal and/or trigger client. The resource transfer mode data is sent to make the terminal display the resource transfer mode corresponding to each resource transfer server and the arrangement sequence of each resource transfer mode, so that the user can select the resource transfer mode. Among them, the second server can determine by itself which resource transfer method is available or unavailable. For example, the second server can determine the existing interaction data (interaction data including but not limited to resource transfer data) between it and any associated resource transfer server. Whether the resource transfer server or the resource transfer method corresponding to the resource transfer server is available, and the resource transfer mode data is used to trigger the terminal and/or trigger the client to display the available and unavailable resource transfer modes in different states, For choice. The other content is still as described above. In this way, if the second server does not send a resource transfer consultation request, and the first server is the selected server, the first server can determine the first account and determine the resources of the first account after receiving the second resource transfer request Whether the balance is lower than the second amount.

S103: If the second resource transfer request triggers a resource supplement condition, send resource supplement data to the first client corresponding to the first server, so that the terminal displays a resource supplement mode;

If the second server sends a resource transfer consulting request, and the first server receives the second resource transfer request including the second amount and the account data of the second account sent by the second server, the resource transfer consulting request triggers the resource supplement condition Next, because the second resource transfer request also includes the second amount, the second resource transfer request also triggers the resource supplement condition, and the first server sends its own client (the client corresponding to the first server is called the first client). ) Send the resource supplement data to make the first client display the resource supplement mode.

If the second server does not send the resource transfer consultation request, and the first server receives the second resource transfer request including the second amount and the account data of the second account sent by the second server, the first server may determine the second resource transfer Whether the request triggers the resource supplement condition (refer to the determination of whether the resource transfer consultation request triggers the resource supplement condition). If the second resource transfer request triggers the resource supplement condition, the first server sends resource supplement data to its corresponding client (the client corresponding to the first server is called the first client), so that the first client displays the resource supplement Way.

It should be noted that the first client and the aforementioned trigger client may be the same client, and the client may correspond to the first server and the second server at the same time. For example, the first server is a payment service server, and the second server is an e-commerce service server. The user registers the first account and trigger account on the first server and the second server respectively, and passes the KYC (know your customer) policy to change the first account and trigger account. One account is bound to the trigger account. The user only needs to log in to one of the first account and the trigger account on the first client, and the first client can respectively interact with the first server and the second server for data, so that commodity trading and payment can be carried out. If the first client and the triggering client are not the same client, before the first server makes the first client display the resource supplement mode, the terminal presents the page of the triggering client; the first server makes the first client display the resource supplement After the method, the first client of the terminal is opened, and the terminal presents the page of the first client. Of course, after the first client is started, the screen of the terminal can display the page that triggers the client and the first client at the same time, for example, split-screen display.

In this embodiment, the first server may have multiple associated resource source servers. The resource source server is a server that can transfer resources to the first server. Further, the resource source server may be a server that can transfer resources to and from the first server. The association process between the first server and each resource source server may also be initiated by a user's operation. For details, please refer to the association process between the second server and each resource transfer server. If the first account has a resource replenishment record, the server used to replenish resources to the first account in the past can be used as the resource source server.

Before sending resource supplementary data to the first client, the first server may also send a resource supplement consulting request including the first amount to each associated resource source server, and receive consulting feedback corresponding to the resource supplement consulting request sent by each resource source server Data, based on the consulting feedback data to determine the resource supplementary data. The sending and feedback of the resource supplement consulting request can refer to the resource transfer consulting request, which will not be repeated in this embodiment.

In this embodiment, each resource source server can correspond to a resource supplement mode. Similar to the resource transfer method, there can be multiple resource replenishment methods. For any resource replenishment method, the resource replenishment method may include the name and/or the resource transfer-out account determined by the resource source server corresponding to the resource replenishment method (in the first During the association process between the server and the resource source server, through user input and other operations, the first server has stored resource transfer accounts on each resource transfer server, so even if the resource supplement consulting request is not issued, the resource supplement method can also include resources Transfer-out account), which can indicate the source of the resource, that is, the way of replenishing the resource includes the source of the resource, as shown in Figure 5.

In this embodiment, the first server can determine the optimal resource source, that is, the optimal resource source server, and the resource transfer method corresponding to the optimal resource source can be highlighted and/or the resource corresponding to the optimal resource source can be highlighted. The transfer method is marked (for example, the resource transfer method corresponding to the optimal resource source can be marked as "recommended", as shown in Fig. 5), that is, the resource supplement method includes the optimal resource source.

It can be seen from the above that each resource source server can be a candidate resource source. If the first server receives the data sent by the second server and determines that the resource balance of the first account is lower than the second amount, before sending the resource supplement data to the first client, the first server may also determine the above-mentioned maximum value from the candidate resource sources. Optimal resource source, so that after the resource supplement data is sent to the client corresponding to the first server, the resource supplement data is also used to make the first client display the optimal resource supplement method, that is, the optimal resource source (or optimal resource source) Server) corresponding resource replenishment method.

Determining the optimal resource source from the candidate resource sources includes: determining the optimal resource source based on the existing interaction data between the server of each candidate resource source (that is, the aforementioned resource source servers) and the first server. The interactive data includes resource transfer data. For example, if there are three candidate resource source servers, the resource source server with the most resource transfer times with the first server can be used as the optimal resource source and/or the most recent exchange with the first server The resource source server for resource transfer serves as the optimal resource source. The process of determining the optimal resource source can be carried out through a model, such as DNN (Deep Neural Networks).

S105: Receive the first feedback data sent by the first client, and send a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the The resources of the resource source account on the target server are reduced by the first amount, and the first account is used to transfer resources to the second account;

With reference to the resource transfer method, after the first client (or the terminal where the first client is located) displays the resource supplement method, it can receive the user's choice of the resource supplement method (some resource supplement methods may not be optional, but the optimal resource supplement The method is an optional resource supplement method), and the first feedback data corresponding to the resource supplement data is formed according to the user's selection (the first feedback data may include the selected resource supplement method, that is, the selected resource source), And send the first feedback data to the first server.

The first server determines the resource source server corresponding to the selected resource source according to the first feedback data and serves as the target server, and sends the account data including the first amount and the first account to the target server (the account data of the first account includes but is not limited to The first resource transfer request of the account number of the first account).

The first server can determine the first amount according to 3.1 or 3.2 (this embodiment is not limited to 3.1 or 3.2):

3.1. The first server determines the first amount by itself

The first server may determine the first amount based on the second amount and the resource balance of the first account. In particular, the difference between the second amount and the resource balance of the first account may be used as the first amount.

3.2. The first server determines the first amount according to the first feedback data

The resource supplement data is also used to enable the first client to display the resource supplement amount information. The resource supplement amount information may be in the form of options and/or input boxes for selecting and/or inputting amounts. The amount selected and/or input by the user is included in the first feedback data, and the first server uses the amount selected and/or input by the user as the first amount, as shown in FIG. 6.

If the first server sends a resource supplement consulting request to each resource source server, each resource source server (including the target server) can determine its resource source account according to the resource supplement consulting request. If the first server does not send a resource supplement consulting request to each resource source server, the first server sends a first resource transfer request to the target server so that the target server can determine the resource source account. The resource source account determined by the target server may be called the target Source account. The process of the resource source server determining the target resource source account refers to the process of determining the resource transfer account on the resource transfer server. Both the resource source account and the resource transfer account can be used to transfer resources.

Through the first resource transfer request, the target server is caused to reduce the resources of the target source account (that is, the resource balance) by the first amount. From the perspective of resource transfer, the target server is equivalent to the resource transfer-out server, and the first server is equivalent to the resource transfer-in server; the target source account is equivalent to the resource transfer-out account, and the first account is equivalent to the resource transfer-in account.

S107: Receive second feedback data corresponding to the first resource transfer request, and if it is determined based on the second feedback data that the resource of the resource source account is reduced by the first amount, then the resource of the first account is increased The first amount, and reducing the resources of the first account by the second amount;

The first server may receive the second feedback data corresponding to the first resource transfer request, and the second feedback data may be sent by the target server or sent by the resource transfer clearing server. If the first server determines based on the second feedback data that the target server has reduced the resources of the target source account by the first amount, the first server increases the resources (balance) of the first account by the first amount. Some methods for determining the first amount have been listed above. If the method of 3.1 is adopted, the resources of the first account increase by the first amount and become the second amount; if the method of 3.2 is adopted, the information on the resource supplement amount can be reduced to the lowest possible amount. The selection amount or the minimum inputable amount is set as the difference between the second amount and the resource balance of the first account, so that the resources of the first account increase by the first amount to be greater than or equal to the second amount, as shown in FIG. 7.

From the above, the resources of the resource source account are reduced by the first amount, and the resources of the first account are increased by the first amount, which realizes the transfer of the resources of the first amount from the resource source account to the first account.

After the first server increases the resources of the first account by the first amount, the resources of the first account are no longer lower than the second amount, so the first server reduces the resources of the first account by the second amount, that is, the first account is supplemented by resources Then reduce the second amount.

In this embodiment, after the first server receives the second resource transfer request sent by the second server, if the first server determines that the resource balance of the first account is not less than the second amount, it reduces the resources of the first account by the second amount , That is, the first account does not need to be supplemented by resources to reduce the second amount.

S109: Send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resources of the second account by the second amount.

Regardless of whether the first account has undergone the above-mentioned resource replenishment process, after reducing the resources of the first account by the second amount, the first server may send the execution feedback data corresponding to the second resource transfer request to the second server, so that the first The second server determines whether the first account has been reduced by the second amount, that is, so that the second server determines the execution result of the second resource transfer request. If the second server determines that the resource of the first account decreases by the second amount according to the execution feedback data, the second server increases the resource (balance) of the second account by the second amount.

The first server may send execution result data corresponding to the first resource transfer request to the first client, so that the first client displays the execution result of the first resource transfer request; and/or, the first server may send the execution result of the first resource transfer request to the first client Sending the execution result data corresponding to the second resource transfer request, so that the first client displays the execution result of the second resource transfer request.

From the above, the resources of the first account are reduced by the second amount, and the resources of the second account are increased by the second amount, realizing the transfer of the resources of the second amount from the first account to the second account.

Through the above-mentioned resource transfer consultation-second resource transfer request-first resource transfer request/resource supplement-resource transfer process, the resource transfer from the resource source account to the first account and from the first account to the second account is realized.

In this embodiment, the resource supplement condition can be adjusted and updated, for example, the resource supplement condition can be updated according to the execution feedback data. The execution feedback data may represent the success rate of resource transfer. If the execution feedback data indicates that the resources of the first account are successfully reduced by the second amount, it may represent the success of the resource transfer. If the success rate of a certain period of time or certain times of resource transfer is higher than a certain threshold, the resource supplement condition can be maintained; if not, the resource supplement condition can be adjusted and updated.

In this embodiment, in the process of resource transfer between the first server and the second server in response to the user's operation on the client, if the transferable resources of the first account used for resource transfer are insufficient, the resource replenishment process can be directly performed, and then proceed The above-mentioned resource transfer process improves the data processing efficiency of resource transfer and the success rate of resource transfer; the above-mentioned trigger client and the first client are the same client, so the resource transfer and resource replenishment process do not require the user to jump out of the client, thereby improving resources Data processing efficiency and success rate of transfer and resource replenishment; during resource replenishment, the first server can push the optimal resource replenishment method to the user for selection, thereby improving the data processing efficiency and success rate of resource replenishment, thereby improving resource transfer Data processing efficiency and success rate; by updating the resource supplementary conditions, the accuracy and rationality of the resource supplementary conditions can be improved, and the data processing efficiency and success rate of resource transfer can be improved.

The second embodiment of this specification provides a data processing method that corresponds to the data processing method in the first embodiment. The execution subject of this embodiment may be a terminal (including but not limited to mobile phones, computers, pads, televisions, smart phones). Equipment, the same below) or server or platform or (operation) system, etc., that is, the execution subject can be diverse, and the execution subject can be set, used, or changed according to needs. In addition, there may also be a third-party application program to assist the execution subject in executing this embodiment. For example, as shown in Figure 1, the data processing method in this embodiment can be executed by a server, and an application program (corresponding to the server) can be installed on a terminal (held by the user), and the terminal or application program and Data transmission can be performed between servers, and data collection or input or output through terminals or application programs, or page or information display (to the user), thereby assisting the servers in executing the data processing method in this embodiment.

As shown in FIG. 8 and FIG. 3, the data processing method provided in this embodiment applied to the second server (that is, the execution subject may be the second server) includes:

S202: After the resource transfer consulting condition is triggered, send a resource transfer consulting request including the second amount to each associated resource transfer server;

See the first embodiment for details.

S204: Receive consultation feedback data corresponding to the resource transfer consultation request sent by each resource transfer server, and send resource transfer mode data to a second client corresponding to the second server according to the consultation feedback data, so that all The second client terminal displays the resource transfer mode corresponding to each resource transfer server. If the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to The resource transfer mode corresponding to the resource transfer server includes resource supplement prompt information;

See the first embodiment for details.

S206: Receive the selected resource transfer mode sent by the second client, and if the consulting feedback data sent by the selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, send the selected resource transfer mode to the selected resource transfer mode. The server sends a second resource transfer request that includes the second amount and account data of the second account, so that the selected server supplements the resources of the first account for resource transfer and then replenishes the resources of the first account. Reduce the second amount;

See the first embodiment for details.

S208: Receive execution feedback data corresponding to the second resource transfer request, and if it is determined according to the execution feedback data that the resource of the first account is reduced by the second amount, then the resource of the second account is increased by the The second amount.

See the first embodiment for details. In particular, the execution feedback data may be sent by the first server and/or the clearing server for resource transfer. The clearing server in this embodiment and the clearing server in the first embodiment may be the same server.

In this embodiment, the second server may send execution result data to the second client, so that the second client displays the execution result of the second resource transfer request, for example, if the second server increases the resources of the second account by a second amount , The execution result of the second resource transfer request may be successful, otherwise it is failed.

In this embodiment, in the process of resource transfer between the first server and the second server in response to the user's operation on the client, if the transferable resources of the first account used for resource transfer are insufficient, the resource replenishment process can be directly performed, and then proceed The above resource transfer process improves the data processing efficiency of resource transfer and the success rate of resource transfer; the trigger client and the first client can be the same client, so the process of resource transfer and resource replenishment does not require the user to jump out of the client, thereby improving Data processing efficiency and success rate of resource transfer and resource replenishment.

The third embodiment of this specification is an application of the first embodiment in a payment scenario. In the payment scenario, funds are used as virtual resources, and the process of payment of funds is a process of resource transfer. The execution subject of this embodiment can be a terminal (including but not limited to mobile phones, computers, pads, televisions, smart devices, the same below) or a server or platform or (operating) system, etc. That is, the execution subject can be diverse, and Set up, use, or change the execution subject as needed. In addition, there may also be a third-party application program to assist the execution subject in executing this embodiment. For example, as shown in Figure 1, the payment method in this embodiment can be executed by the server, and the application corresponding to the server can be installed on the terminal (held by the user), the terminal or the application and the server Data transmission can be carried out between them, data collection or input or output through a terminal or application program, or page or information display (to the user), so as to assist the server in executing the payment method in this embodiment.

As shown in FIGS. 9 and 10, the payment method provided in this embodiment applied to a third server (that is, the execution subject may be the third server) includes:

S301: Receive a payment request that includes the fourth amount and account data of the fourth account sent by the fourth server;

The third server is equivalent to the first server in the first and second embodiments; the fourth server is equivalent to the second server in the first and second embodiments; the fourth amount is equivalent to the first and second embodiments The second amount in the example; the fourth account is equivalent to the second account in the first and second embodiments; the payment request is equivalent to the second resource transfer request in the first and second embodiments.

Specifically, the third server may be a payment service server, the fourth server may be an e-commerce server, the fourth amount may be an order amount and/or a settlement amount on a client with e-commerce functions, and the fourth account may be an electronic account. The account of the business service provider or the merchant account corresponding to the user's order.

S303: If the payment request triggers a recharge condition, send recharge data to a third client corresponding to the third server, so that the third client displays a recharge method;

The recharge condition is equivalent to the resource supplement condition in the first and second embodiments, and the recharge condition may be that the balance of the third account determined by the third server and used for payment (to the fourth account) is lower than the fourth amount , The recharge conditions can also be updated according to the payment success rate; the third account can be a payment account registered by the user on the third server, which is equivalent to the first account in the first and second embodiments; the balance of the third account can be The balance of funds in the third account or the credit limit granted by the payment service server to the third account; the third client may be a client with payment function corresponding to the third server, which may be the same client as the above-mentioned e-commerce client ; The top-up method can include the name and/or the top-up account, as shown in Figure 11; the same as the first embodiment, the optimal top-up method can be determined and marked, for example, the optimal top-up method is marked "recommended", as shown in Figure 11 ; Same as the first embodiment, the recharge amount information can be displayed, and the recharge amount information can be in the form of options and/or input boxes for selecting and/or entering the amount, as shown in Figure 12; the minimum optional amount or The minimum input amount is set as the difference between the fourth amount and the balance of the third account, as shown in Figure 13.

S305: Receive the third feedback data sent by the third client, and send a recharge request including the third amount and account data of the third account to the target server corresponding to the third feedback data, so that the target server is The balance of the recharge account of is reduced by the third amount, and the third account is used to make payment to the fourth account;

The third feedback data is equivalent to the first feedback data in the first and second embodiments, and may include the selected recharge method, and may also include the recharge amount selected and/or input by the user; the target server may be a financial institution such as a bank Server; the recharge request is equivalent to the first resource transfer request in the first and second embodiments.

S307: Receive fourth feedback data corresponding to the recharge request, and if it is determined based on the fourth feedback data that the balance of the recharge account decreases by the third amount, increase the balance of the third account by the third amount. Amount, and reducing the balance of the third account by the fourth amount;

The fourth feedback data is equivalent to the second feedback data in the first and second embodiments, and the second feedback data may be sent by the target server or sent by the payment settlement server (for example, UnionPay or Wanglian server).

S309: Send execution feedback data corresponding to the payment request to the fourth server, so that the fourth server increases the balance of the fourth account by the fourth amount.

See the first or second embodiment for details.

For other content not described in detail in this embodiment, refer to the first and second embodiments.

In this embodiment, during the payment process from the third server to the fourth server, if the payable amount of the third account used for payment is insufficient, the recharge process can be directly performed, and then the above payment process is performed, thereby improving the data processing of the payment Efficiency and payment success rate; the payment trigger client and the recharge third client can be the same client, so the payment and recharge process does not require the user to jump out of the client, thereby improving the data processing efficiency and success rate of payment and recharge; When recharging, the third server can push the best recharge method to the user for selection, thereby improving the data processing efficiency and success rate of the recharge, and then improving the data processing efficiency and success rate of the payment; by updating the recharge conditions, the recharge conditions can be improved The accuracy and reasonableness of the payment system can improve the efficiency and success rate of payment data processing.

The fourth embodiment of this specification is an application of the second embodiment in a payment scenario. In the payment scenario, funds are used as virtual resources, and the process of payment of funds is a process of resource transfer. The execution subject of this embodiment can be a terminal (including but not limited to mobile phones, computers, pads, televisions, smart devices, the same below) or a server or platform or (operating) system, etc. That is, the execution subject can be diverse, and Set up, use, or change the execution subject as needed. In addition, there may also be a third-party application program to assist the execution subject in executing this embodiment. For example, as shown in Figure 1, the payment method in this embodiment can be executed by the server, and the application corresponding to the server can be installed on the terminal (held by the user), the terminal or the application and the server Data transmission can be carried out between them, data collection or input or output through a terminal or application program, or page or information display (to the user), so as to assist the server in executing the payment method in this embodiment.

As shown in FIG. 14 and FIG. 10, the payment method provided in this embodiment applied to the fourth server (that is, the execution subject may be the fourth server) includes:

S402: After the payment consultation condition is triggered, send a payment consultation request including the fourth amount to each associated payment server;

The payment consultation conditions are equivalent to the resource transfer consultation conditions in the first and second embodiments. For example, in an actual payment scenario, when the user selects a product in the e-commerce client and clicks "Pay" or a similar button, the payment can be triggered Consult the conditions and enter the payment page; the settlement amount is the fourth amount mentioned above; the payment consultation request is equivalent to the resource transfer consultation request in the first and second embodiments.

The payment server is equivalent to the resource transfer server in the first and second embodiments.

S404: Receive consultation feedback data corresponding to the payment consultation request sent by each payment server, and send payment method data to a fourth client corresponding to the fourth server according to the consultation feedback data, so that the fourth The client displays the payment method corresponding to each payment server; wherein, if the consultation feedback data sent by any one of the payment servers includes recharge prompt data, the payment method data is also used to make the payment corresponding to the payment server The method includes recharge prompt information, which is used to prompt recharge;

The fourth client may be the above-mentioned client with e-commerce function corresponding to the fourth server, and it may be the same client as the third client; the payment method may be displayed on the payment page of the fourth client for the user to choose, such as As shown in Figure 15; the recharge reminder data is equivalent to the resource supplement reminder data in the first and second embodiments; the recharge reminder information is equivalent to the resource supplement reminder information in the first and second embodiments, and the recharge reminder information can be, for example, It is "recharge and pay", as shown in Figure 15.

S406: Receive the selected payment method sent by the fourth client, and if the consultation feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, pay the selected payment method The server sends a payment request including the fourth amount and account data of the fourth account, so that the selected payment server recharges the third account used for payment and reduces the balance of the third account by the first Four amount

The selected payment server is equivalent to the selected server in the first and second embodiments, and the selected payment server may be the third server in the third embodiment.

S408: Receive execution feedback data corresponding to the payment request, and if it is determined according to the execution feedback data that the balance of the third account decreases by the fourth amount, increase the balance of the fourth account by the fourth amount .

In this embodiment, during the payment process from the third server to the fourth server, if the payable amount of the third account used for payment is insufficient, the recharge process can be directly performed, and then the above payment process is performed, thereby improving the data processing of the payment Efficiency and payment success rate; the payment triggering client (fourth client) and the recharged third client can be the same client, so the payment and recharge process does not require the user to jump out of the client, thereby improving the data processing of payment and recharge Efficiency and success rate.

According to the third and fourth embodiments, in the actual scenario, the user can select a product on the fourth client with e-commerce function and enter the settlement page, click the "Pay" button, and the fourth server will determine the settlement amount and send it to the associated parties. The payment server sends a payment consultation request including the settlement amount, and each payment server receives the payment consultation request and sends consultation feedback data; the fourth server sends payment method data to the fourth client according to the consultation feedback data, so that the fourth client displays the payment method , One or some of the payment methods can have recharge prompt data; if the user selects the payment method with recharge prompt data, the fourth server sends a payment request to the third server corresponding to the payment method with recharge prompt data; The third server sends the recharge data to the fourth client so that the fourth client displays the recharge method; after the user selects the recharge method, the third server sends a recharge request to the target server to complete the recharge process; after the recharge, the third server completes The funds are deducted and the execution feedback data is sent to the fourth server. The third server may also send the recharge result data to the fourth client after the recharge; the fourth server completes the increase and sends the payment result data to the fourth client. This is a brief description of the payment process in the actual scenario. For specific content, refer to the first or second or third or fourth embodiment.

As shown in FIG. 16, a fifth embodiment of this specification provides a data processing device, including:

The resource transfer accepting module 501 is configured to receive a second resource transfer request including the second amount and account data of the second account sent by the second server;

The resource transfer module 503 is configured to send resource supplement data to the first client corresponding to the device if the second resource transfer request triggers a resource supplement condition, so that the first client displays the resource supplement mode; and , Receiving the first feedback data sent by the first client, and sending a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the target The resources of the resource source account on the server are reduced by the first amount, and the first account is used to transfer resources to the second account; and, receiving second feedback data corresponding to the first resource transfer request, if according to If the second feedback data determines that the resources of the resource source account are reduced by the first amount, the resources of the first account are increased by the first amount, and the resources of the first account are decreased by the first amount. Two amount

The resource transfer feedback module 505 is configured to send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resources of the second account by the second amount.

Optionally, the resource transfer accepting module 501 is further configured to: receive a resource transfer consultation request including the second amount sent by the second server; and send consultation feedback data corresponding to the resource transfer consultation request to the second server.

Optionally, if the resource transfer consulting request triggers a resource supplement condition, the consulting feedback data includes resource supplement prompt data.

Optionally, the resource supplement condition includes: the resource balance of the first account determined by the device for transferring resources to the second account is lower than the second amount.

Optionally, the resource transfer module 503 is further configured to: update the resource supplement condition according to the execution feedback data.

Optionally, the resource transfer module 503 is further configured to: if the second resource transfer request triggers a resource supplement condition, before sending the resource supplement data to the first client corresponding to the device, to each associated resource source The server sends a resource supplement consultation request including the first amount; receives consultation feedback data corresponding to the resource supplement consultation request sent by each resource source server, and determines resource supplement data according to the consultation feedback data.

Optionally, the resource supplement method includes a resource source; and/or, the resource supplement method includes an optimal resource source.

Optionally, if the second resource transfer request triggers a resource supplement condition, before sending resource supplement data to the first client corresponding to the device, the method further includes determining an optimal resource source from among candidate resource sources Party; after sending resource supplement data to the client corresponding to the device, the resource supplement data is also used to enable the first client to display the optimal resource supplement mode.

Optionally, determining the optimal resource source from the candidate resource sources includes: determining the optimal resource source based on the existing interaction data between the server of each candidate resource source and the device.

Optionally, the interaction data includes resource transfer data.

Optionally, determining the target server according to the first feedback data includes: the first feedback data includes the selected resource source, and the server of the selected resource source is used as the target server.

Optionally, the first amount is determined according to the second amount and the resource balance of the first account; and/or the difference between the second amount and the resource balance is used as the first amount.

Optionally, the first amount is included in the first feedback data; and/or, the resource supplement data is also used to enable the first client to display resource supplement amount information, and the resource supplement amount information It is used to select and/or input an amount, and the selected and/or input amount is included in the first feedback data as the first amount.

Optionally, the first client is a client corresponding to the second server.

Optionally, the second feedback data is sent by the target server and/or the clearing server for resource transfer.

Optionally, the resource transfer feedback module 505 is further configured to: after increasing the resources of the first account by the first amount, send execution result data to the first client, so that the first client The terminal displays the execution result of the first resource transfer request; and/or, sends execution result data to the first client, so that the first client displays the execution result of the second resource transfer request.

Optionally, the resource transfer module 503 is further configured to: after receiving a second resource transfer request including the second amount and account data of the second account sent by the second server, if the second resource transfer request does not trigger the resource Supplementary conditions, the resources of the first account are reduced by the second amount.

As shown in FIG. 17, a sixth embodiment of this specification provides a data processing device, including:

The resource transfer consulting module 602 is configured to send a resource transfer consulting request including the second amount to each associated resource transfer server after the resource transfer consulting condition is triggered; and to receive the corresponding resource transfer consulting sent by each resource transfer server The requested consultation feedback data, sending resource transfer mode data to the second client corresponding to the device according to the consultation feedback data, so that the second client displays the resource transfer mode corresponding to each resource transfer server; Wherein, if the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to make the resource transfer mode corresponding to the resource transfer server include resource supplement prompt information;

The resource transfer initiation module 604 is configured to receive the selected resource transfer mode sent by the second client, if the consultation feedback data sent by the selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, Then, a second resource transfer request including the second amount and account data of the second account is sent to the selected server, so that the selected server will replenish the resources of the first account used to transfer resources. The resources in the first account are reduced by the second amount;

The resource transfer module 606 is configured to receive execution feedback data corresponding to the second resource transfer request, and if it is determined according to the execution feedback data that the resources of the first account are reduced by the second amount, then the second account Of resources increased by the second amount.

Optionally, the resource transfer consulting condition triggering includes: the target application is opened and/or the target page is opened and/or the target button is clicked.

Optionally, the second amount is determined by the second client according to existing data of the second client when the resource transfer consulting conditions are triggered; or, the second amount is determined by the device according to the resource transfer consulting conditions The data from the second client that has been received by the device at the time of triggering is determined.

Optionally, the resource transfer consulting request is also used to enable each resource transfer server to determine an account for transferring resources.

Optionally, the resource transfer mode data is further used to enable the second client to display the sequence of the resource transfer modes corresponding to the resource transfer servers.

Optionally, the resource transfer initiation module 604 is further configured to: after receiving the selected resource transfer mode sent by the second client, if the consultation feedback data sent by the selected server does not include the prompt data, Sending a second resource transfer request including the second amount and account data of the second account to the selected server, so that the selected server reduces the resources of the account used to transfer resources by the second amount .

Optionally, the execution feedback data is sent by the server corresponding to the selected resource transfer mode and/or the clearing server for resource transfer.

Optionally, the device further includes: a resource transfer feedback module, configured to send execution result data to the second client, so that the second client displays the execution result of the second resource transfer request.

As shown in FIG. 18, a seventh embodiment of this specification provides a payment device, including:

The payment acceptance module 701 is configured to receive a payment request including the fourth amount and account data of the fourth account sent by the fourth server;

The payment module 703 is configured to send recharge data to a third client corresponding to the device if the payment request triggers a resource replenishment condition, so that the third client displays the recharge mode, and receives the third client The third feedback data sent by the terminal sends a recharge request including the third amount and the account data of the third account to the target server corresponding to the third feedback data, so that the balance of the recharge account on the target server is reduced by the The third amount, the third account is used to pay to the fourth account, and to receive the fourth feedback data corresponding to the recharge request, if it is determined according to the fourth feedback data that the balance of the recharge account is reduced by The third amount, increase the balance of the third account by the third amount, and decrease the balance of the third account by the fourth amount;

The payment feedback module 705 is configured to send execution feedback data corresponding to the payment request to the fourth server, so that the fourth server increases the balance of the fourth account by the fourth amount.

As shown in FIG. 19, an eighth embodiment of this specification provides a payment device, including:

The payment consultation module 802 is configured to send a payment consultation request including the fourth amount to each associated payment server after the payment consultation condition is triggered; and, receive consultation feedback data corresponding to the payment consultation request sent by each payment server, Send payment method data to the fourth client corresponding to the device according to the consultation feedback data, so that the fourth client displays the payment method corresponding to each payment server; wherein, if any one of the payment servers The sent consultation feedback data includes recharge prompt data, and the payment method data is also used to make the payment method corresponding to the payment server include recharge prompt information;

The payment initiation module 804 is configured to receive the selected payment method sent by the fourth client, and if the consulting feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, send The selected payment server sends a payment request including the fourth amount and account data of the fourth account, so that the selected payment server recharges the third account used for payment and then recharges the third account. Decrease the balance by the fourth amount;

The payment module 806 is configured to receive execution feedback data corresponding to the payment request, and if it is determined according to the execution feedback data that the balance of the third account is reduced by the fourth amount, the balance of the fourth account is increased by all The fourth amount.

A ninth embodiment of the present specification provides a data processing device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the data processing method in the first embodiment .

A tenth embodiment of the present specification provides a data processing device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the data processing method in the second embodiment .

The eleventh embodiment of the present specification provides a payment device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the payment method in the third embodiment.

A twelfth embodiment of the present specification provides a payment device, including: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute the payment method in the fourth embodiment.

The thirteenth embodiment of this specification provides a computer-readable storage medium that stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the Data processing method.

The fourteenth embodiment of this specification provides a computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the Data processing method.

The fifteenth embodiment of this specification provides a computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the payment method.

The sixteenth embodiment of this specification provides a computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the payment method.

The foregoing embodiments can be used in combination, and modules with the same name between different embodiments may be the same or different.

The specific embodiments of this specification have been described above, and other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily have to be in the specific order or sequential order shown in order to achieve the desired result. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device, equipment, and non-volatile computer-readable storage medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiments.

The apparatus, equipment, non-volatile computer-readable storage medium, and method provided in the embodiments of this specification correspond to each other. Therefore, the apparatus, equipment, and non-volatile computer storage medium also have beneficial technical effects similar to the corresponding method. The beneficial technical effects of the method have been described in detail above, therefore, the beneficial technical effects of the corresponding device, equipment, and non-volatile computer storage medium will not be repeated here.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a PLD without requiring the chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one HDL, but many, such as ABEL (Advanced Boolean Expression) Language), AHDL (Altera Hardware DescrIP Address Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware DescrIP Address Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Address) Language) and so on, the most commonly used at present are VHDL (Very-High-Speed Integrated Circuit Hardware DescrIP Address Language) and Verilog. It should also be clear to those skilled in the art that just a little bit of logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, MicrochIP addresses PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as a part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded logic. The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, a device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing this specification, the functions of each unit can be implemented in the same or multiple software and/or hardware.

Those skilled in the art should understand that the embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification may adopt the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

This specification is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are used to generate It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

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

The memory may include non-permanent memory in computer readable media, 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 computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, 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, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, product or device including a series of elements not only includes those elements, but also includes Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

This specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the difference from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only examples of this specification, and are not intended to limit this application. For those skilled in the art, this application can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included in the scope of the claims of this application.

Claims

A data processing method, applied to a first server, includes:

Receiving a second resource transfer request including the second amount and account data of the second account sent by the second server;

If the second resource transfer request triggers a resource supplement condition, sending resource supplement data to the first client corresponding to the first server, so that the first client displays a resource supplement mode;

Receiving the first feedback data sent by the first client, and sending a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the target server The resources of the resource source account on the above are reduced by the first amount, and the first account is used to transfer resources to the second account;

Receive second feedback data corresponding to the first resource transfer request, and if it is determined based on the second feedback data that the resource of the resource source account is reduced by the first amount, then the resource of the first account is increased by the A first amount, and reducing the resources of the first account by the second amount;

Sending the execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resources of the second account by the second amount.
The method according to claim 1, before receiving the second resource transfer request, the method further comprises:

Receiving a resource transfer consulting request including the second amount sent by the second server;

Sending consultation feedback data corresponding to the resource transfer consultation request to the second server.
The method of claim 2, further comprising:

If the resource transfer consulting request triggers a resource supplement condition, the consulting feedback data includes resource supplement prompt data.
The method according to claim 1, wherein the resource supplement condition includes:

The resource balance of the first account determined by the first server for transferring resources to the second account is lower than the second amount.
The method of claim 1, further comprising:

The resource supplement condition is updated according to the execution feedback data.
The method according to claim 1, if the second resource transfer request triggers a resource supplement condition, before sending the resource supplement data to the first client corresponding to the first server, the method further comprises:

Send a resource supplementary consultation request including the first amount to each associated resource source server;

Receiving consultation feedback data corresponding to the resource supplementation consultation request sent by each resource source server, and determining resource supplementation data according to the consultation feedback data.
The method according to claim 1, wherein the resource replenishment method includes the source of the resource.
The method according to claim 1, wherein the resource supplement method includes an optimal resource source.
The method according to claim 1, if the second resource transfer request triggers a resource supplement condition, before sending the resource supplement data to the first client corresponding to the first server, the method further comprises obtaining the source of the candidate resource Determine the best source of resources among the parties;

After the resource supplement data is sent to the client corresponding to the first server, the resource supplement data is also used to enable the first client to display the optimal resource supplement mode.
The method according to claim 9, wherein determining the optimal resource source from among the candidate resource sources includes:

The optimal resource source is determined according to the existing interaction data between the server of each candidate resource source and the first server.
The method of claim 10, wherein the interaction data includes resource transfer data.
The method of claim 1, wherein determining the target server according to the first feedback data comprises:

The first feedback data includes the selected resource source, and the server of the selected resource source is used as the target server.
The method of claim 1,

Determine the first amount according to the second amount and the resource balance of the first account; or,

The difference between the second amount and the resource balance is used as the first amount.
The method of claim 1,

The first amount is included in the first feedback data; or,

The resource supplementary data is also used to make the first client display resource supplementary amount information, the resource supplementary amount information is used to select or input an amount, and the selected or input amount is included in the first feedback data And as the first amount.
The method according to claim 1, wherein the first client is a client corresponding to the second server.
The method according to claim 1, wherein the second feedback data is sent by the target server or the clearing server for resource transfer.
The method according to claim 1, after increasing the resources of the first account by the first amount, the method further comprises:

Sending execution result data to the first client, so that the first client can display the execution result of the first resource transfer request; or, sending execution result data to the first client so that the The first client displays the execution result of the second resource transfer request.
The method according to claim 1, after receiving the second resource transfer request including the second amount and account data of the second account sent by the second server, the method further comprises:

If the second resource transfer request does not trigger a resource supplement condition, the resources of the first account are reduced by the second amount.
A data processing method, applied to a second server, includes:

After the resource transfer consulting conditions are triggered, send a resource transfer consulting request including the second amount to each associated resource transfer server;

Receiving consultation feedback data corresponding to the resource transfer consultation request sent by each resource transfer server, and sending resource transfer mode data to the second client corresponding to the second server according to the consultation feedback data, so that the first The second client displays the resource transfer mode corresponding to each resource transfer server; wherein, if the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to The resource transfer mode corresponding to the resource transfer server includes resource supplement prompt information;

Receive the selected resource transfer mode sent by the second client, and if the consultation feedback data sent by the selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, send it to the selected server A second resource transfer request that includes the second amount and account data of the second account, so that the selected server will supplement the resources of the first account for resource transfer and reduce the resources of the first account by all The second amount;

Receive execution feedback data corresponding to the second resource transfer request, and if it is determined based on the execution feedback data that the resources of the first account are reduced by the second amount, then the resources of the second account are increased by the second amount. Amount.
The method according to claim 19, the resource transfer consulting condition triggering comprises:

The target application is opened or the target page is opened or the target button is clicked.
The method of claim 19,

The second amount is determined by the second client according to the existing data of the second client when the resource transfer consulting condition is triggered; or,

The second amount is determined by the second server according to the data from the second client that the second server has received when the resource transfer consulting condition is triggered.
The method according to claim 19, wherein the resource transfer consultation request is further used to make each resource transfer server determine an account for transferring resources.
The method according to claim 19, wherein the resource transfer mode data is further used to make the second client display the sequence of the resource transfer modes corresponding to the resource transfer servers.
The method according to claim 19, after receiving the selected resource transfer mode sent by the second client, the method further comprises:

If the consultation feedback data sent by the selected server does not include the prompt data, a second resource transfer request including the second amount and account data of the second account is sent to the selected server, so that all The selected server reduces the resources of the account used to transfer the resources by the second amount.
The method according to claim 19, wherein the execution feedback data is sent by a server corresponding to the selected resource transfer method or a clearing server for resource transfer.
The method of claim 19, further comprising:

Send execution result data to the second client, so that the second client displays the execution result of the second resource transfer request.
A payment method applied to a third server, including:

Receiving a payment request including the fourth amount and the account data of the fourth account sent by the fourth server;

If the payment request triggers a recharge condition, sending recharge data to a third client corresponding to the third server, so that the third client displays a recharge method;

Receive the third feedback data sent by the third client, and send a recharge request including the third amount and account data of the third account to the target server corresponding to the third feedback data, so as to make the recharge on the target server The balance of the account is reduced by the third amount, and the third account is used to make payment to the fourth account;

Receiving fourth feedback data corresponding to the recharge request, and if it is determined according to the fourth feedback data that the balance of the recharge account decreases by the third amount, then the balance of the third account is increased by the third amount, And reducing the balance of the third account by the fourth amount;

Sending the execution feedback data corresponding to the payment request to the fourth server, so that the fourth server increases the balance of the fourth account by the fourth amount.
A payment method applied to the fourth server, including:

After the payment consultation condition is triggered, send a payment consultation request including the fourth amount to each associated payment server;

Receiving consultation feedback data corresponding to the payment consultation request sent by each payment server, and sending payment method data to a fourth client corresponding to the fourth server according to the consultation feedback data, so that the fourth client Display the payment method corresponding to each payment server; wherein, if the consultation feedback data sent by any one of the payment servers includes recharge prompt data, the payment method data is also used to make the payment method corresponding to the payment server Including recharge prompt information;

Receive the selected payment method sent by the fourth client, and if the consulting feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, send it to the selected payment server A payment request including the fourth amount and account data of the fourth account, so that the selected payment server recharges the third account used for payment and then reduces the balance of the third account by the fourth amount ；

Receive execution feedback data corresponding to the payment request, and if it is determined according to the execution feedback data that the balance of the third account decreases by the fourth amount, then increase the balance of the fourth account by the fourth amount.
A data processing device includes:

A resource transfer accepting module, configured to receive a second resource transfer request including the second amount and account data of the second account sent by the second server;

The resource transfer module is configured to send resource supplement data to the first client corresponding to the device if the second resource transfer request triggers a resource supplement condition, so that the first client displays the resource supplement mode; and, Receiving the first feedback data sent by the first client, and sending a first resource transfer request including the first amount and account data of the first account to the target server corresponding to the first feedback data, so that the target server The resources of the resource source account on the above are reduced by the first amount, the first account is used to transfer resources to the second account; and the second feedback data corresponding to the first resource transfer request is received, if according to the If the second feedback data determines that the resources of the resource source account are reduced by the first amount, the resources of the first account are increased by the first amount, and the resources of the first account are decreased by the second amount. Amount

The resource transfer feedback module is configured to send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resources of the second account by the second amount.
A data processing device includes:

The resource transfer consulting module is used to send a resource transfer consulting request including the second amount to each associated resource transfer server after the resource transfer consulting conditions are triggered; and to receive the corresponding resource transfer consulting request sent by each resource transfer server According to the consultation feedback data, the resource transfer mode data is sent to the second client corresponding to the device according to the consultation feedback data, so that the second client displays the resource transfer mode corresponding to each resource transfer server; wherein If the consultation feedback data sent by any one of the resource transfer servers includes resource supplement prompt data, the resource transfer mode data is also used to make the resource transfer mode corresponding to the resource transfer server include resource supplement prompt information;

The resource transfer initiation module is configured to receive the selected resource transfer mode sent by the second client, and if the consultation feedback data sent by the selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, then Send a second resource transfer request including the second amount and account data of the second account to the selected server, so that the selected server will supplement the resources of the first account for resource transfer after The resources in the first account are reduced by the second amount;

The resource transfer module is configured to receive execution feedback data corresponding to the second resource transfer request, and if it is determined according to the execution feedback data that the resources of the first account are reduced by the second amount, then the resources of the second account are reduced Resources increase by the second amount.
A payment device, including:

A payment acceptance module for receiving a payment request including the fourth amount and account data of the fourth account sent by the fourth server;

The payment module is configured to send recharge data to a third client corresponding to the device if the payment request triggers a resource replenishment condition, so that the third client displays the recharge method; and, receives the third client The third feedback data sent by the terminal sends a recharge request including the third amount and the account data of the third account to the target server corresponding to the third feedback data, so that the balance of the recharge account on the target server is reduced by the The third amount, the third account is used to pay to the fourth account; and the fourth feedback data corresponding to the recharge request is received, if it is determined that the balance of the recharge account decreases according to the fourth feedback data For the third amount, increase the balance of the third account by the third amount, and decrease the balance of the third account by the fourth amount;

The payment feedback module is configured to send execution feedback data corresponding to the payment request to the fourth server, so that the fourth server increases the balance of the fourth account by the fourth amount.
A payment device, including:

The payment consultation module is configured to send a payment consultation request including the fourth amount to each associated payment server after the payment consultation condition is triggered; and, receive consultation feedback data corresponding to the payment consultation request sent by each payment server, according to The consultation feedback data sends payment method data to the fourth client corresponding to the device, so that the fourth client displays the payment method corresponding to each payment server; wherein, if any one of the payment servers sends If the consultation feedback data includes recharge prompt data, the payment method data is also used to make the payment method corresponding to the payment server include recharge prompt information;

The payment initiation module is configured to receive the selected payment method sent by the fourth client, and if the consultation feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, send it to all The selected payment server sends a payment request including the fourth amount and account data of the fourth account, so that the selected payment server recharges the third account used for payment and then recharges the balance of the third account Reduce the fourth amount;

The payment module is configured to receive execution feedback data corresponding to the payment request, and if it is determined according to the execution feedback data that the balance of the third account is reduced by the fourth amount, then the balance of the fourth account is increased by the The fourth amount.
A data processing device, including:

At least one processor; and,

A memory connected in communication with the at least one processor;

Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute any one of claims 1 to 18. The data processing method described.
A data processing device, including:

At least one processor; and,

A memory connected in communication with the at least one processor;

Wherein, the memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can execute any one of claims 19 to 26. The data processing method described.
A payment device including:

At least one processor; and,

A memory connected in communication with the at least one processor;

Wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the payment method according to claim 27.
A payment device including:

At least one processor; and,

A memory connected in communication with the at least one processor;

Wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the payment method according to claim 28.
A computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the data processing method according to any one of claims 1 to 18.
A computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the data processing method according to any one of claims 19 to 26.
A computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the payment method of claim 27.
A computer-readable storage medium that stores computer-executable instructions that, when executed by a processor, implement the payment method of claim 28.