CN106656839A - Resource transfer method and apparatus - Google Patents

Resource transfer method and apparatus Download PDF

Info

Publication number
CN106656839A
CN106656839A CN201610919331.4A CN201610919331A CN106656839A CN 106656839 A CN106656839 A CN 106656839A CN 201610919331 A CN201610919331 A CN 201610919331A CN 106656839 A CN106656839 A CN 106656839A
Authority
CN
China
Prior art keywords
bill
resource
target
producing
transfer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610919331.4A
Other languages
Chinese (zh)
Inventor
吴文勤
郭懿心
韦德志
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Tenpay Payment Technology Co Ltd
Original Assignee
Tenpay Payment Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Tenpay Payment Technology Co Ltd filed Critical Tenpay Payment Technology Co Ltd
Priority to CN201610919331.4A priority Critical patent/CN106656839A/en
Publication of CN106656839A publication Critical patent/CN106656839A/en
Pending legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/56—Provisioning of proxy services
    • H04L67/563—Data redirection of data network streams
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/23—Updating
    • G06F16/2358—Change logging, detection, and notification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2455—Query execution
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/248—Presentation of query results
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L47/00—Traffic control in data switching networks
    • H04L47/10—Flow control; Congestion control
    • H04L47/12—Avoiding congestion; Recovering from congestion

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Databases & Information Systems (AREA)
  • Data Mining & Analysis (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Computational Linguistics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention discloses a resource transfer method and apparatus, belonging to the technical field of network. The method comprises the steps of receiving a resource transfer request of a transfer party, wherein the resource transfer request carries a total amount of to-be-transferred resources; generating detailed transfer information of the transfer party according to a bill type of an unpaid bill of the transfer party and the total amount of the resources, wherein the detailed transfer information comprises target bills of the resource transfer and a quantity of target resources of each target bill; performing feasibility analysis on the detailed transfer information of the transfer party according to a bill state of the target bill of the resource transfer; and if the feasibility analysis is approved, performing resource transfer according to the detailed transfer information of the transfer party. Through adoption of the resource transfer method and apparatus, the data of the server is ensured to be accurate, and normal services of the server are processed normally.

Description

Resource transfers method and device
Technical field
The present invention relates to networking technology area, more particularly to a kind of resource transfers method and device.
Background technology
With the development and popularization of network, Internet Service Provider can not only provide the user information service, can be with Provide the user resource transfers service.
At present, server can be asked according to the resource transfers of the side of producing, and carry out, based on the resource transfers of bill, for example, turning After the side of going out selects some bill as resource transfers object, total number resource amount to be transferred, service can be provided to server Device is deducted according to the total number resource amount to the surplus resources of the side's of producing account, and carries out counterbalanced accounts process to the bill, so as to Realize resource transfers.
However, server can provide the business such as generation, maintenance and the resource transfers of bill for a large number of users, with portfolio Increase, the delayed of maintenance work can be caused, once generation is delayed, then data maintenance on server can be caused to make a mistake, cause Reduce the data accuracy on server, the regular traffic that can also affect server is processed.
The content of the invention
In order to solve problem of the prior art, a kind of resource transfers method and device is embodiments provided.It is described Technical scheme is as follows：
On the one hand, a kind of resource transfers method is embodiments provided, methods described includes：
The resource transfers request of the side of producing is received, the resource transfers request carries total number resource amount to be transferred；
According to the bill type and the total number resource amount of not going back bill of the side of producing, turning for the side of producing is generated Detail information is moved, the transfer detail information includes the target bill of this resource transfers and the target money of each target bill Source quantity；
According to the Bill Status of the target bill of this resource transfers, the transfer detail information of the side of producing is entered Row feasibility analysis, the Bill Status of the target bill are used to indicate whether the target bill currently can be used in being provided Shift in source；
When feasibility analysis passes through, resource transfers are carried out according to the transfer detail information of the side of producing.
On the other hand, a kind of resource transfers device is embodiments provided, described device includes：
Receiver module, for receiving the resource transfers request of the side of producing, the resource transfers request carries money to be transferred Source total quantity；
Generation module, for according to the bill type and the total number resource amount of not going back bill of the side of producing, generating The transfer detail information of the side of producing, the transfer detail information includes the target bill and each mesh of this resource transfers The target resource quantity of mark bill；
Analysis module, for according to the Bill Status of the target bill of this resource transfers, to the side of producing Transfer detail information carries out feasibility analysis, and the Bill Status of the target bill are used to indicating that the target bill to be current whether Can be used in carrying out resource transfers；
Resource transfers module, for when the feasibility analysis of the analysis module passes through, turning according to the side of producing Moving detail information carries out resource transfers.
The beneficial effect that technical scheme provided in an embodiment of the present invention is brought is：
By during resource transfers are carried out, first based on bill type and total number resource amount, it is determined that this resource turns The target bill of shifting and the target resource quantity of each target bill, and the Bill Status based on target bill, by feasibility Analysis process whether accurately, ensured the accuracy of server data determining the data such as target bill, it is to avoid to server The impact of regular traffic process.
Description of the drawings
Technical scheme in order to be illustrated more clearly that the embodiment of the present invention, below will be to making needed for embodiment description Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for For those of ordinary skill in the art, on the premise of not paying creative work, can be obtaining other according to these accompanying drawings Accompanying drawing.
Fig. 1 is a kind of schematic diagram of implementation environment provided in an embodiment of the present invention；
Fig. 2 is a kind of flow chart of resource transfers method provided in an embodiment of the present invention；
Fig. 3 is a kind of flow chart of resource transfers method provided in an embodiment of the present invention；
Fig. 4 is a kind of flow chart of resource transfers method provided in an embodiment of the present invention；
Fig. 5 is a kind of resource transfers apparatus structure schematic diagram provided in an embodiment of the present invention；
Fig. 6 is a kind of block diagram of the resource transfers device 600 according to an exemplary embodiment.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing to embodiment party of the present invention Formula is described in further detail.
Fig. 1 is a kind of schematic diagram of implementation environment provided in an embodiment of the present invention.In the implementation environment, including multiple ends End 101 and server 102.
Wherein, terminal 101 can be the terminal for being provided with credit services application, for example, smart mobile phone, panel computer, PC (Personal Computer, PC).User can log in any one credit services application client by the terminal 101 Hold to use credit services.
The server 102 can be to provide the server of credit services, can be disposed by arbitrary credit services provider, should Server 102 can provide the user credit services by being installed on the credit services applications client of terminal 101.Certainly, should Server 102 can be configured with subscriber's account database for store subscriber data, user's history resource transfers record and The database of bill etc., to provide the running of server 102 in the process such as inquiry that may occur.
The server 102 can provide various credit services, and the credit services may refer to any one based on user credit, Certain resource amount is provided previously by for user so that the resource that user can be possessed in consumption without using oneself, in advance Consumed, and in the mode subsequently through resource transfers, the resource for being borrowed is paid off.This credit services process is being provided In, resource quantity that server can be according to shared by user and holding time etc. calculate additional resource etc., and generate user's Bill, different credit services can have different additional resource computational methods, and the embodiment of the present invention is not limited this.
Certainly, the credit services can also pass through resource transfers applications client or other be related to resource transfers application visitor Family end for example, provides the entrance of credit services providing in resource transfers applications client, and it is convenient to enable a user to Access.Also, the entrance of other resource transfers, such as Third-party payment entrance can also be provided in credit services client Deng so that user can carry out resource transfers by Third-party payment.
Above-mentioned involved resource may refer to currency for being traded etc., and the currency can be arbitrary currency type, this Inventive embodiments are not limited this.
Fig. 2 is a kind of flow chart of resource transfers method provided in an embodiment of the present invention.Referring to Fig. 2, the embodiment only with Illustrate as a example by the residing interaction between terminal and server in the side of producing, the method includes：
201st, when terminal residing for the side of producing receives resource transfers to be instructed, resource transfers request is sent to server, should Resource transfers request carries the bill detail information of total number resource amount to be transferred and the bill to be transferred of the side of producing.
The total number resource amount to be transferred can be voluntarily input into by the side of producing user in terminal, the bill detail information bag Include bill mark and the resource quantity etc. included by bill.Terminal residing for the side of producing can be stored with the side of producing each The bill detail information of bill, therefore, when resource transfers request is sent, the bill details that can be stored with carried terminal are believed Breath, so that server carries out consistency desired result, improves Information Security.
In actual scene, terminal residing for the side of producing can provide bill inquiry entrance so that when the side of producing, user thinks The bill interface of the side of producing, the account are checked to when also bill does not carry out resource transfers, entrance can be inquired about by the bill Single interface can be including the bill detail information of the side of producing, to know the bill situation of oneself.Can be with the bill interface There is provided resource transfers entrance so that resource transfers interface can be jumped to by the resource transfers entrance, the side of producing can be at this Total number resource amount to be transferred is input on resource transfers interface, and triggers resource transfers process.
In another embodiment, in order to improve the flexibility of resource transfers, bill selection can be provided on the bill interface Function, referring to Fig. 3, the Fig. 3 is a kind of schematic diagram at bill interface provided in an embodiment of the present invention.Can show on the bill interface Show the bill title and bill type of multiple bills, can also show the not also resource quantity of bill, the side of producing user can be with By the operation such as selection (represent if " √ " in Fig. 3 and choose), to select oneself, this carries out the bill of resource transfers, and holds Row following resource transfer process.In this case, the resource transfers request can include the bill of the bill to be transferred of the side of producing Detail information.And in the case where the side of producing user is not selected just to carry out resource transfers to any one bill, the resource All bill detail informations for not going back bill of the side of producing included by transfer request.
It should be noted that when bill detail information is shown, can show that each does not go back the resource quantity of bill, may be used also To show so not going back the total number resource amount of bill, of course, it is possible to according to the selected bill of the side of producing user, show selected Bill is corresponding not to go back total number resource amount, to provide more completely and with more the data of reference value to the side of producing user, this Bright embodiment is particularly shown mode and does not limit to this.
Certainly, above-mentioned interface is only to provide resource transfers entrance on bill interface, so as to carry out as a example by interface redirects Illustrate, and in fact, may also take on other interface display forms, for example, detecting to resource transfers entrance During trigger action, quantity input field is provided in the form of floating layer, so as to perform following resource transfer process.The embodiment of the present invention pair Which kind of specifically do not limited using interface display form.
202nd, when the resource transfers that server receives the side of producing are asked, according to the account identification of the side of producing, from bill The corresponding bill detail information of account mark is obtained in database.
Server is parsed when resource transfers request is received to resource transfers request, obtains the account of the side of producing The bill detail information that family identifies and the resource transfers request is entrained, may then based on the account identification of the side of producing, The inquiry request for inquiring about the bill detail information of the side of producing is generated, and the inquiry request is sent to billing data storehouse, So that billing data storehouse is based on the account identification entrained by the inquiry request, the corresponding bill details letter of account mark is returned Breath.
Wherein, billing data storehouse is at least used to that the bill of each account to be stored and managed based on account identification.The management account Singly refer to that the credit services used according to user generate bill, and according to user to the occupancy quantity of resource and when taking Between, each different type resource is updated in statement.
For example, user has used a certain loan product by credit services client, then server can be according to the debt-credit The concrete amount of money of product generates bill, and stores to billing data storehouse, subsequently according to the profit borrowed or lent money in duration statement of user Breath is updated in billing data storehouse to original bill, so as to generate new bill.
It should be noted that the billing data storehouse can be deployed on the server, or be deployed in the service On server beyond device, for example, for managing the user data management system etc. of user's Various types of data, the embodiment of the present invention pair This is not specifically limited.
203rd, the server identifies corresponding bill detail information based on the account, the account carried to the resource transfers request Single detail information carries out consistency desired result, when consistency desired result passes through, execution step 204.
It was recognized by the inventor that there is potential safety hazard in data transfer due to network etc., therefore, in order to avoid information is tampered Situations such as the property loss that causes, the server needs the account in the bill detail information and billing data storehouse for being uploaded terminal Single detail information carries out consistency desired result, to ensure the accuracy of bill.The detailed process of the consistency desired result can pass through word Symbol string comparison, similitude comparison etc. realize that the embodiment of the present invention is not limited this.
For example, for debit note, the consistency desired result can verify the corresponding amount owed of bill it is whether identical, Whether bill type is identical etc..
In another embodiment, when consistency desired result does not pass through, corresponding bill detail information is identified according to the account and is held The generating process of the capable transfer detail information.If consistency desired result does not pass through, the server can be directly based upon billing data The data of place storage carry out subsequent process, to ensure being normally carried out for resource transfers.
It should be noted that when consistency desired result is carried out, having any one to differ in bill detail information, determining should Consistency desired result fails, and only when each all same in bill detail information, just determines that consistency desired result passes through, to protect The property safety of card user.
Further, consistency desired result not by when, can to issue error notification to the residing terminal in the side of producing so that Obtain the side of producing and know the verification situation, and carry out the relief measure such as report an error, it is to avoid property safety is on the hazard.
204th, when consistency desired result passes through, the bill type and the money of not going back bill of the server according to the side of producing Source total quantity, generates the transfer detail information of the side of producing, and the transfer detail information includes the target bill of this resource transfers And the target resource quantity of each target bill.
Wherein, target bill refers to the not also bill of this resource transfers, and the target bill will at least include the side of producing All overdue bills, to ensure that the credit services that credit services business is provided are not abused, have ensured the basic of credit providers Rights and interests.The target resource quantity of target bill refers to the resource quantity shifted to the target bill during resource transfers.
In embodiments of the present invention, the quantity for not going back bill of the side of producing is two or more, be that is to say, the process Involved is while the method for carrying out resource transfers to multiple not also bills.Resource transfers are being carried out for multiple not also bills When, bill type may be different, and necessity of involved resource transfers quantity and resource transfers etc. is different, so as to need Generate the transfer detail information for indicating specific transfer plan.Bill type can include overdue bill, gone out bill and Do not go out bill, wherein overdue bill may refer to have exceeded the bill that the payback period do not refund yet, bill has been gone out refer to not surpassing Go out the not also bill of payback period, do not go out bill and to refer to also formally do not generate bill, but the not also bill for having kept accounts.Need Illustrate, this each also bill can be the bill of same product, for example, right for the product of credit services In a credit card, there can be overdue bill and go out bill etc..And this each also bill could also belong to different product, example Such as, the side of producing has carried out two petty loads simultaneously, and account is also associated with a credit card, then may the now side of producing Also bill includes the not also not also bill of bill and credit card of this two petty loads, and the embodiment of the present invention is not limited this It is fixed.
The bill type and the total number resource amount of not going back bill of above-mentioned basis side of producing, generates the transfer of the side of producing The process of detail information includes：If at least two of the side of the producing total number resource amounts of not going back for not going back bill are more than the money Source total quantity, the bill type that the server does not go back bill according to the total number resource amount with this, does not go back determination in bill and is somebody's turn to do from this The target resource quantity of target bill and each target bill.
Wherein, the bill type for not going back bill with this according to the total number resource amount, does not go back in bill from this and determines the target The process of bill includes：If the not also bill includes overdue bill, the overdue bill is retrieved as into target bill；Such as Not going back described in fruit in bill also includes going out bill, and the not also resource quantity of the overdue bill is less than the total number resource Amount, has gone out bill and has been retrieved as target bill by described；If described not going back in bill also includes bill, and the overdue account It is single and it is described gone out bill do not go back total number resource amount less than the total number resource amount, by it is described do not go out bill be retrieved as target account It is single.It should be noted that determine that target bill and the target resource quantity of target bill can be carried out simultaneously, it is also possible to first really Set the goal bill, then determines the target resource quantity of target bill one by one, and the embodiment of the present invention is not limited this.
Specifically, when the transfer detail information of the side of producing is generated, can be according to the bill type and resource for not going back bill Secondly total quantity is considered, the transfer highest priority of overdue bill, to go out bill, again not go out bill.Then For the setting of this priority, first, it is determined that whether the total number resource amount to be transferred is no more than all not to be gone back bill not Also total number resource amount, if total number resource amount to be transferred does not go back total number resource amount more than or equal to all also bills, All bills of not going back can be defined as target bill, and each resource quantity of not going back for not going back bill is retrieved as not also bill Target resource quantity.
For example, total number resource amount to be transferred is 100, and the total number resource amount of not going back of all not also resource bills is 90, then The resource quantity that user is input into can pay off all also bills, and can be directly based upon the total number resource amount 100 carries out resource Transfer, subsequently during resource transfers, can respectively to each, also bill shifts corresponding resource quantity, if based on treating After the total number resource amount of transfer is shifted, also surplus resources that is to say, in this example, surplus resources quantity is 10, then Surplus resources can be stored into the account of the side of producing.
And if total number resource amount to be transferred does not go back total number resource amount less than all also bills, then explanation works as forward The resource that the side of going out wants to shift e insufficient to pay off all also bills, then at this time, it may be necessary to corresponding preferential using bill type Level specifically includes procedure below determining the target resource quantity of target bill and target bill：
If 204A, the not also bill include overdue bill, the overdue bill is retrieved as into target bill, will be exceeded The not also resource quantity of phase bill is retrieved as first object resource quantity, and the first object resource quantity is the mesh of the overdue bill Mark resource quantity.
If the not also bill of the side of producing includes overdue bill, due to the highest priority of overdue bill, need by Overdue bill is retrieved as target bill, and obtains first object resource quantity.Certainly, the total number resource amount to be transferred need to be more than Or resource quantity is not gone back equal to overdue bill, if total number resource amount to be transferred does not go back number of resources less than overdue bill Amount, then can refuse this resource transfers request.That is to say, resource transfers must at least want that all overdue bills can be paid off, To ensure the basic interests of credit services business.
For example, still by total number resource amount to be transferred be 100 as a example by illustrate, if the overdue bill of the side of producing be 1 It is individual, and it is corresponding also resource quantity is 20, then the overdue bill is defined as into target bill, and by the target of the overdue bill Resource quantity is defined as 20.
If after first object resource quantity is determined, also having residue in the total number resource amount to be transferred of the side of producing If resource, then according to priority orders, the bill that goes out of the side of producing can be defined as target bill, certainly, now also can There are two kinds of possibility, i.e. the first surplus resources quantity to be enough to pay off and go out bill and the first surplus resources lazy weight to pay off Go out bill, then need to judge the first surplus resources quantity and gone out the numerical values recited relation not also between resource quantity of bill, Step 204B as described below and 204C：
If 204B, described not going back in bill also include going out bill, and the not also resource quantity of the overdue bill is little In the total number resource amount, bill is gone out described and has been retrieved as target bill, if the first surplus resources quantity goes out less than this The not also resource quantity of bill, is retrieved as the second target resource quantity, second target resource by the first surplus resources quantity Quantity is the target resource quantity that this has gone out bill, and the first surplus resources quantity is to remove first mesh in the total number resource amount The surplus resources quantity of mark resource quantity.
If 204C, the first surplus resources quantity have gone out the not also resource quantity of bill more than or equal to this, by this The not also resource quantity for going out bill is retrieved as the second target resource quantity.
For example, still by total number resource amount to be transferred be 100 as a example by illustrate, due to the money that overdue bill has taken Source quantity is 20, then now, the first surplus resources quantity is 80, it is assumed that gone out bill also resource quantity is not 30, then can be with Determine that the first surplus resources quantity, more than the not also resource quantity for going out bill, such that it is able to will go out bill target account is defined as It is single, and the second target resource quantity is defined as into 30.And if the not also resource quantity for having gone out bill is 90, then above-mentioned first Surplus resources lazy weight go out bill to pay off, then can be according to the resource type gone out in bill, to the first surplus resources Quantity is allocated.This kind of distribution needs to consider bill corresponding product type that the bill of different product type may relate to not Same resource type priority, so that the distribution of the first surplus resources quantity occurs different changes.For example, for interest is excellent First product, then need to meet the requirement that interest is preferentially paid off in distribution, and the product preferential for capital, then need dividing Timing meets the requirement that capital is preferentially paid off.
If after the second target resource quantity is determined, also having residue in the total number resource amount to be transferred of the side of producing If resource, then according to priority orders, the bill that do not go out of the side of producing can be defined as target bill, certainly, now also can There are two kinds of possibility, i.e. the second surplus resources quantity to be enough to pay off out bill and the second surplus resources lazy weight to pay off not Go out bill, then need to judge the second surplus resources quantity and do not go out the numerical values recited relation not also between resource quantity of bill, Step 204D as described below and 204E：
If 204D, it is described also also do not include bill in bill, and the overdue bill and described gone out bill Total number resource amount is not gone back less than the total number resource amount, by it is described do not go out bill be retrieved as target bill, if the second remaining money Source quantity does not go out the not also resource quantity of bill less than this, and the second surplus resources quantity is retrieved as into the target for not going out bill Resource quantity, the second surplus resources quantity is that the first object resource quantity and second target are removed in the total number resource amount The surplus resources quantity of resource quantity.
If 204E, the second surplus resources quantity do not go out the not also resource quantity of bill more than or equal to this, by this not The not also resource quantity for going out bill is retrieved as the target resource quantity for bill.
For example, still by total number resource amount to be transferred be 100 as a example by illustrate, due to the money that overdue bill has taken Source quantity is 20, and the resource quantity of not going back that bill has been gone out is 30, then the second surplus resources quantity is 50, then resource to be transferred is total Quantity can pay off overdue bill and go out bill, if then the side of producing also does not go out bill, can determine out that bill is Target bill, and according to the second surplus resources quantity and do not go out the not also resource quantity of bill determining the target for bill Resource quantity, it is assumed that the resource quantity of not going back for not going out bill is 60, then can be defined as by the second surplus resources quantity 50 The not also resource quantity of bill.
By above-mentioned determination target bill and the process of the target resource quantity of each target bill, a use can be generated In the transfer detail information for carrying out this resource transfers.
For each bill, to there is a bill type mark, for example, overdue bill is corresponded to a bill Overdue mark, has gone out (not overdue) having corresponded to of bill and go out mark, does not enter an item of expenditure in the accounts single corresponding to mark is not gone out, by generating process In the bill type mark of the not also bill of the side of producing is detected one by one, the also bill class of bill can be known Type.It should be noted that above-mentioned bill type mark can be the certain field of the corresponding bill description information of bill, according to this Indicating different bill types, the embodiment of the present invention is not limited this different values of field.
It should be noted that when server receives resource transfers request, can be according to the actual bill feelings of the side of producing Condition, judges whether to respond the resource transfers request.If the not also bill of the side of producing includes overdue bill, and the money What source transfer request was carried does not go back in bill does not include the overdue bill, refuses the resource transfers request.Herein, resource Overdue bill entrained by transfer request needs all overdue bill for being the side of producing, its reason and the above-mentioned limit to overdue bill System in the same manner, will not be described here.
205th, the server is according to the Bill Status of the target bill of this resource transfers, and the transfer to the side of producing is detailed Feelings information carries out feasibility analysis, and the Bill Status of the target bill are used to indicate whether the target bill currently can be used In carrying out resource transfers.
In order to ensure the data accuracy of server, so as to ensure being normally carried out for resource transfers, the money to formulating is needed Source transfer plan that is to say that transfer detail information carries out feasibility analysis.Its detailed process includes：Obtain the target bill Bill Status information；If the Bill Status information indicates that the target bill is not in process state, if or, the account Single status information indicates that the resource in the target bill is last state, it is determined that the transfer details of the side of producing are believed The feasibility analysis of breath passes through.Certainly, when whether judge the resource of target bill is last state, the target can only be judged Whether the additional resource in overdue bill in bill is in last state, and the embodiment of the present invention is not limited this.Wherein, it is attached Plus resource is generated based on user to occupancy quantity and holding time of resource etc., for example, the additional resource can be the profit of bill Breath.
It was recognized by the inventor that server is while process resource transfer request, it is likely that can also be needed based on other business Ask and target bill is being processed, for example, due to the process etc. that keeps accounts caused by newly-increased consumption institute, now if based on target account Single current resource quantity of not going back performs resource transfers, it is more likely that make a mistake, for example, if in resource transfers processing procedure In, there is a reimbursement keeping accounts process so that the not also resource quantity of target bill is inaccurate, it is possible to create to some Situation more than target bill also.Therefore, during resource transfers, need to consider bill whether in process state.
Wherein, Bill Status information can be Bill Status mark, for each bill, correspond to the bill that is stored with Whether status indicator, the Bill Status mark can serve to indicate that the bill currently in process state.Therefore, mesh is being determined After mark bill, the Bill Status mark of target bill can be obtained, and detect that the Bill Status are identified whether to process mark, such as The Bill Status of fruit target bill are designated process mark, then the target bill is illustrated in process state, if now to this Target bill carries out resource transfers, it is likely that cause error in data, hence, it can be determined that the transfer detail information for being generated is inaccurate Really, it is impossible to by feasibility analysis.And if the Bill Status mark of target bill is not to process mark, then illustrate the target account Process state is singly not in, then the transfer detail information is illustrated accurately, by feasibility analysis.
Further, if this feasibility analysis it is obstructed it is out-of-date if refusal carry out resource transfers, it is likely that affect turn The resource transfers enthusiasm of the side of going out, therefore, in order to guide the side of producing user to carry out resource transfers next time, the server as early as possible The target bill can be monitored, when the process state of the target bill is updated to idle condition, then based on the target after renewal Bill regenerates the transfer detail information of the side of producing, and the transfer detail information for regenerating is notified to the side of producing, So that the side of producing can again carry out in a short period of time resource transfers.Or, due to the process of bill it is typically time-consuming shorter, In order to improve resource transfers efficiency, temporarily can not also refuse resource transfers request, but in procedure of demand analysis to The side of producing sends the transfer detail information for regenerating so that the side of producing user is in the feelings without the need for sending resource transfers request again Resource transfers process is continued to complete under condition.
Further, if it was recognized by the inventor that before the resource transfers request is received, having there is at least two pairs The process request of the target bill, if then waiting target bill to be updated to idle condition from process state, may take It is long, therefore, it can be determined whether according to the sorting position of the resource transfers request in the pending request of the target bill The monitoring of target bill is carried out, be that is to say, if it is determined that target bill is in process state, then may determine that Current resource is shifted Whether request is the corresponding next pending request of the target bill, if the resource transfers request is the target bill correspondence Next pending request, then can monitor the target bill.This is because, if the resource transfers request is the target account Single corresponding next pending request, then when upper one process is completed, ought to perform resource transfers request, and perform money During the transfer request of source, the target bill can be in process state so that the target bill will not respond other and process request.
It should be noted that if bill is in arbitrary process state, the bill can process mark, example corresponding to corresponding Such as, if bill is in the state that keeps accounts, mark can be processed for bill addition is corresponding so that receiving to the bill During arbitrary process request, bill can be locked, be not responding to other and process request, it is to avoid cause the confusion of billing data, be improved Data accuracy.
Inventor is also to be recognized that because the management of server statement there may be hysteresis, can cause such as interest It is not newest interest of bill etc., accordingly, it would be desirable to whether statement is that last state is judged.Wherein, Bill Status letter Breath can be the update date of the resource in bill.For the resource in target bill, the resource can be according to some cycles Resource in target bill is updated, update can generate update date every time for resource, to indicate the resource more New date, if the update date of the resource in target bill is identical with current date, it is determined that the resource in the target bill In last state, determine that the transfer detail information does not pass through feasibility analysis；And if the resource in the target resource more New date is different from current date, it is determined that the resource in the target bill is not last state, and the transfer of the side of producing is detailed The feasibility analysis of feelings information passes through.
Further, for the consideration with above-mentioned process state in the same manner, if the Bill Status information indicates the mesh Resource in mark bill is not last state, then the target bill is updated according to current time, after renewal Target bill regenerates the transfer detail information of the side of producing, further stagnant to avoid user after knowing and making a mistake Its resource transfers afterwards, the covert efficiency that improve resource transfers.
It should be noted that different product type is corresponding to the different update cycles and updates interest rate etc., therefore, in reconciliation When resource in list is updated, need to be updated according to product type corresponding update cycle and renewal interest rate.For example, produce The bill of product 1 can be daily 15 points renewals, and it is 0.01% to update interest rate, and the bill of product 2 can be daily 18 points renewals, It is 0.02% to update interest rate.
And above-mentioned example is based on, if the 10 of today:The 00 resource transfers request for receiving the bill to product 1, then Update date and the contrast of current date by resource in statement, it may be determined that resource is not newest shape in the bill State, then be related to regenerating or the result such as feasibility analysis does not pass through for the transfer detail information to having generated.
When feasibility analysis passes through, following step 206 can be performed, and if feasibility analysis does not pass through, then can be with Refusal respond resource transfers request, and to terminal return miscue residing for the side of producing so that the side of producing knows and currently cannot Carry out resource transfers.
Certainly, in order that wrong reason can clearly be known in the side of producing, wrong reason can be carried in miscue In, terminal can show wrong reason, so that the side of producing can be at one section when the miscue is received residing for the side of producing Re-operate after time, it is also possible to avoid the impact being normally carried out to resource transfers.
206th, when feasibility analysis passes through, according to the transfer detail information of the side of producing, the server carries out resource and turns Move.
If transfer detail information has passed through feasibility analysis, illustrate that the transfer detail information is a kind of feasible scheme, then Resource transfers can be carried out according to the transfer detail information.
It should be noted that in this process, if the selected account of payment in the side of producing is registered in the credit services carried For business, then the surplus resources quantity of the side's of producing account can be detected by server, if the surplus resources number in the side's of producing account Amount is more than total number resource amount to be transferred, then directly can deduct the total number resource amount to be transferred from the side's of producing account, and Total number resource amount to be transferred is carried out into counterbalanced accounts one by one to target bill according to the distribution of transfer detail information to process.And if turned Surplus resources quantity in the side's of going out account is less than total number resource amount to be transferred, then be also required to return mistake to the side of producing place terminal Point out by mistake, while the mistake reason such as balance amount prompting deficiency.
Surplus resources quantity in the side's of producing account is less than total number resource amount to be transferred, can be with to the side's of producing offer Divide the mode of account transfer, for example, the surplus resources quantity in its account, and the difference of completion needed for pointing out are pointed out to the side of producing Resource quantity (i.e. the difference of surplus resources quantity and total number resource amount to be transferred), now, the side of producing can be by other Pay platform to shift the difference resource quantity, such as select a bank card or select other payments to be shifted using account.And The means of payment that server can again be selected according to the difference resource quantity and the side of producing, to the corresponding service of the means of payment Device sends resource transfers request, so as to realize completing resource transfers by least two means of payment.
Certainly, the side of producing is it is also an option that provide the total number resource amount to be transferred using other means of payment, this Bright embodiment is not specifically limited to this.
207th, when server completes resource transfers, to terminal residing for the side of producing success message is sent.
208th, when terminal residing for the side of producing receives the success message, resource transfers success interface is shown.
Above-mentioned steps 207 and 208 are in resource transfers success, by the friendship residing for server and the side of producing between terminal Mutually, the successful process of this resource transfers of the side of producing is notified.Certainly, if occurring mistake during any of the above-described, producing When the residing terminal in side receives miscue, resource transfers failure interface can be shown according to miscue, and be carried according to mistake Wrong reason in showing, shows the wrong reason so that mistake can in time be known in the side of producing on resource transfers failure interface, And itself operation is adjusted, to avoid impacting normal resource transfers.
Said process more can also intuitively be embodied by the flow chart of Fig. 4, with user by mobile terminal to letter Illustrate as a example by being refunded with service provider, credit services provider can be by refund managing and control system and user data Management system to realize the embodiment of the present invention in server function.User can select on mobile terminals to want what is refunded Bill is recorded, and is input into the refund amount of money, carries out refund operation.Whether mobile terminal have selected bill record according to user, to Refund managing and control system sends request of refunding (i.e. involved in embodiment of the present invention resource transfers request), if user have selected Bill is recorded, then selected bill record is carried in refund request, and if user does not select bill to record, then also All bills record of the user is carried in money request.And work as refund managing and control system and receive after refund request, can be from user The bill record data of user, and the bill note entrained in request of refunding to mobile terminal are inquired about in data management system Record is verified.After verification passes through, the refund rule for pre-setting, the priority of such as bill type, bill can be passed through The priority of interior resource and which bill the rule such as must all pay off to generate the refund detail information (embodiment of the present invention Involved transfer detail information), it is also how many etc. to each bill for indicating subsequently to refund which bill.Also Money managing and control system is generated after the refund detail information, in addition it is also necessary to the actual conditions based on each bill, for example process state or Be whether last state etc. judge the refund detail information data whether accurately, so as to refund detail information is carried out can Row is analyzed, and only when feasibility analysis passes through, returning to mobile terminal allows to carry out the interface of resource transfers so that Yong Huke To continue to complete follow-up refund process by mobile terminal, for example, some Third-party payment is selected to complete refund etc..
Method provided in an embodiment of the present invention, by during resource transfers are carried out, first based on bill type and resource Total quantity, it is determined that the target bill of this resource transfers and the target resource quantity of each target bill, and based on target account Single Bill Status, determine that whether accurately the data such as target bill, have ensured server data by procedure of demand analysis Accuracy, it is to avoid the impact to the process of server regular traffic.
Further, due to increased procedure of demand analysis, improve the accuracy of data so that resource will not occur There is many turns or few situation about turning in transfer, on the one hand avoid the property safety to user and cause damage, and on the other hand, also avoid User reduces to the trusting degree of credit services, actually increases the traffic handing capacity of credit services provider.
Fig. 5 is a kind of structural representation of resource transfers device provided in an embodiment of the present invention, referring to Fig. 5, described device Including：
Receiver module 501, for receiving the resource transfers request of the side of producing, the resource transfers request carries to be transferred Total number resource amount；
Generation module 502, it is raw for according to the bill type and the total number resource amount of not going back bill of the side of producing Into the transfer detail information of the side of producing, the transfer detail information include the target bill of this resource transfers and each The target resource quantity of target bill；
Analysis module 503, for according to the Bill Status of the target bill of this resource transfers, to the side of producing Transfer detail information carry out feasibility analysis, the Bill Status of the target bill are used to indicate that the target bill is currently It is no to can be used in carrying out resource transfers；
Resource transfers module 504, for when the feasibility analysis of the analysis module passes through, according to the side of producing Transfer detail information carries out resource transfers.
In a kind of possible implementation, the analysis module 503 is used to obtain the Bill Status letter of the target bill Breath；If the Bill Status information indicates that the target bill is not in process state, if or, the Bill Status information Indicate that the resource acquisition time in the target bill is the newest time, it is determined that the transfer detail information to the side of producing Feasibility analysis pass through.
In a kind of possible implementation, described device also includes：
Module is monitored, if indicating that the target bill is in process state for the Bill Status information, is monitored The target bill, when the process state of the target bill is updated to idle condition, then triggers the generation module 502 and is based on Target bill after renewal regenerates the transfer detail information of the side of producing；
Or,
Update module, if indicating that the resource acquisition time in the target bill is not for the Bill Status information The newest time, then the target bill is updated according to current time, after triggering the generation module 502 based on updating Target bill regenerates the transfer detail information of the side of producing.
In a kind of possible implementation, the resource transfers request also carries the account of the bill to be transferred of the side of producing Single detail information, described device also includes：
Acquisition module, for according to the account identification of the side of producing, the account identification being obtained from billing data storehouse Corresponding bill detail information；
Consistency detection module, for based on the corresponding bill detail information of the account identification, to the resource transfers The bill detail information that request is carried carries out consistency desired result；When consistency desired result passes through, trigger the generation module 502 and hold The generating process of row transfer detail information；When consistency desired result does not pass through, the generation module 502 is triggered according to the account mark Know the generating process that corresponding bill detail information performs the transfer detail information.
In a kind of possible implementation, the generation module 502 is used for：
If the not also bill includes overdue bill, the overdue bill is retrieved as into target bill, if described Total number resource amount does not go back resource quantity more than or equal to the overdue bill, then the overdue bill is not gone back into resource quantity First object resource quantity is retrieved as, the first object resource quantity is the target resource quantity of the overdue bill；
If described not going back in bill also includes going out bill, and the not also resource quantity of the overdue bill is less than described Total number resource amount, has gone out bill and has been retrieved as target bill by described, if the first surplus resources quantity has gone out bill less than described Not also resource quantity, the first surplus resources quantity is retrieved as into the second target resource quantity, second target resource Quantity is the target resource quantity for having gone out bill, and the first surplus resources quantity in the total number resource amount to remove institute State the surplus resources quantity of first object resource quantity；If the first surplus resources quantity is entered an item of expenditure in the accounts more than or equal to described Single does not go back resource quantity, and the not also resource quantity that bill has been gone out is retrieved as into the second target resource quantity；
Also also do not include bill in bill if described, and the overdue bill and described go out also not providing for bill Source total quantity be less than the total number resource amount, by it is described do not go out bill be retrieved as target bill, if the second surplus resources quantity Less than it is described do not go out bill not also resource quantity, by the second surplus resources quantity be retrieved as it is described do not go out bill target Resource quantity, the second surplus resources quantity is that the first object resource quantity and described is removed in the total number resource amount The surplus resources quantity of the second target resource quantity；If the second surplus resources quantity does not go out bill more than or equal to described in Not also resource quantity, by it is described do not go out bill not also resource quantity be retrieved as it is described do not go out bill target resource quantity.
In a kind of possible implementation, described device also includes：
Refusal module, if the bill of not going back for the side of producing includes overdue bill, and the resource transfers please Not going back in bill for carrying is asked not include that the overdue bill or the total number resource amount to be transferred are less than the overdue bill Not also resource quantity, refuse the resource transfers request.
Device provided in an embodiment of the present invention, by during resource transfers are carried out, first based on bill type and resource Total quantity, it is determined that the target bill of this resource transfers and the target resource quantity of each target bill, and based on target account Single Bill Status, determine that whether accurately the data such as target bill, have ensured server data by procedure of demand analysis Accuracy, it is to avoid the impact to the process of server regular traffic.
Fig. 6 is a kind of block diagram of the resource transfers device 600 according to an exemplary embodiment.For example, device 600 can To be provided as a server.With reference to Fig. 6, device 600 includes process assembly 622, and it further includes one or more process Device, and the memory resource by representated by memory 632, can be by the instruction of the execution of processing component 622, such as storage Application program.In memory 632 store application program can include it is one or more each refer to corresponding to one group The module of order.Additionally, process assembly 622 is configured to execute instruction, to perform above-mentioned resource transfers method.
Device 600 can also include that a power supply module 626 is configured to the power management of performs device 600, and one has Line or radio network interface 650 are configured to for device 600 to be connected to network, and input and output (I/O) interface 658.Dress Putting 600 can operate based on the operating system for being stored in memory 632, such as Windows ServerTM, Mac OS XTM, UnixTM,LinuxTM, FreeBSDTMOr it is similar.
In the exemplary embodiment, a kind of non-transitorycomputer readable storage medium including instruction, example are additionally provided Such as include instruction memory, above-mentioned instruction can by the computing device in terminal to complete following embodiments in resource granting Method or resource get method.For example, the non-transitorycomputer readable storage medium can be ROM, random access memory Device (RAM), CD-ROM, tape, floppy disk and optical data storage devices etc..
One of ordinary skill in the art will appreciate that realizing all or part of step of above-described embodiment can pass through hardware To complete, it is also possible to which the hardware that correlation is instructed by program is completed, and described program can be stored in a kind of computer-readable In storage medium, storage medium mentioned above can be read-only storage, disk or CD etc..
The foregoing is only presently preferred embodiments of the present invention, not to limit the present invention, all spirit in the present invention and Within principle, any modification, equivalent substitution and improvements made etc. should be included within the scope of the present invention.

Claims (12)

1. a kind of resource transfers method, it is characterised in that methods described includes：
The resource transfers request of the side of producing is received, the resource transfers request carries total number resource amount to be transferred；
According to the bill type and the total number resource amount of not going back bill of the side of producing, the transfer for generating the side of producing is detailed Feelings information, the transfer detail information includes the target bill of this resource transfers and the target resource number of each target bill Amount；
According to the Bill Status of the target bill of this resource transfers, the transfer detail information of the side of producing is carried out can Row is analyzed, and the Bill Status of the target bill are used to indicate whether the target bill currently can be used in carrying out resource turn Move；
When feasibility analysis passes through, resource transfers are carried out according to the transfer detail information of the side of producing.
2. method according to claim 1, it is characterised in that the target bill of this resource transfers described in the basis Bill Status, carrying out feasibility analysis to the transfer detail information of the side of producing includes：
Obtain the Bill Status information of the target bill；
If the Bill Status information indicates that the target bill is not in process state, if or, Bill Status letter Breath indicates that the resource in the target bill is in last state, it is determined that shift the feasible of detail information to the side of producing Property analysis pass through.
3. method according to claim 2, it is characterised in that the Bill Status information of the acquisition target bill it Afterwards, methods described also includes：
If the Bill Status information indicates that the target bill is in process state, the target bill is monitored, work as institute The process state for stating target bill is updated to idle condition, then regenerate the side of producing based on the target bill after renewal Transfer detail information；
If or, the Bill Status information indicates that the resource in the target bill is not last state, according to it is current when Between the target bill is updated, the transfer details letter of the side of producing is regenerated based on the target bill after renewal Breath.
4. method according to claim 1, it is characterised in that the resource transfers request also carries treating for the side of producing The bill detail information of transfer bill, methods described also includes：
According to the account identification of the side of producing, the corresponding bill details letter of the account identification is obtained from billing data storehouse Breath；
Based on the corresponding bill detail information of the account identification, the bill detail information for carrying is asked to enter the resource transfers Row consistency desired result；
When consistency desired result passes through, the generating process of transfer detail information is performed；
When consistency desired result does not pass through, the transfer detail information is performed according to the corresponding bill detail information of the account identification Generating process.
5. method according to claim 1, it is characterised in that the not also bill class of bill of the side of producing described in the basis Type and the total number resource amount, generating the transfer detail information of the side of producing includes：
If the not also bill includes overdue bill, the overdue bill is retrieved as into target bill, if the resource Total quantity does not go back resource quantity more than or equal to the overdue bill, then by the not also resource quantity acquisition of the overdue bill For first object resource quantity, the first object resource quantity is the target resource quantity of the overdue bill；
If described not going back in bill also includes going out bill, and the not also resource quantity of the overdue bill is less than the resource Total quantity, has gone out bill and has been retrieved as target bill by described, if the first surplus resources quantity has gone out bill not less than described Also resource quantity, by the first surplus resources quantity the second target resource quantity, the second target resource quantity are retrieved as For the target resource quantity for having gone out bill, the first surplus resources quantity is that described the is removed in the total number resource amount The surplus resources quantity of one target resource quantity；If the first surplus resources quantity has gone out bill more than or equal to described Resource quantity is not gone back, the not also resource quantity that bill has been gone out is retrieved as into the second target resource quantity；
If described not going back in bill also includes bill, and the overdue bill and the not also resource for having gone out bill are total Quantity be less than the total number resource amount, by it is described do not go out bill be retrieved as target bill, if the second surplus resources quantity is less than It is described do not go out bill not also resource quantity, by the second surplus resources quantity be retrieved as it is described do not go out bill target resource Quantity, the second surplus resources quantity is to remove the first object resource quantity and described second in the total number resource amount The surplus resources quantity of target resource quantity；If the second surplus resources quantity does not go out bill not more than or equal to described in Also resource quantity, by it is described do not go out bill not also resource quantity be retrieved as it is described do not go out bill target resource quantity.
6. the method according to any one of claim 1 to 5, it is characterised in that the resource transfers request carry described in not Also bill, methods described also includes：
If the bill of not going back of the side of producing includes overdue bill, and the resource transfers ask what is carried not go back in bill Do not include that the overdue bill or the total number resource amount do not go back resource quantity less than the overdue bill, refuse the resource Transfer request.
7. a kind of resource transfers device, it is characterised in that described device includes：
Receiver module, for receiving the resource transfers request of the side of producing, it is total that the resource transfers request carries resource to be transferred Quantity；
Generation module, for according to the bill type and the total number resource amount of not going back bill of the side of producing, generating described The transfer detail information of the side of producing, the transfer detail information includes the target bill and each target account of this resource transfers Single target resource quantity；
Analysis module, for according to the Bill Status of the target bill of this resource transfers, the transfer to the side of producing Detail information carries out feasibility analysis, and the Bill Status of the target bill are used to indicate that the target bill currently whether can For carrying out resource transfers；
Resource transfers module, it is detailed according to the transfer of the side of producing for when the feasibility analysis of the analysis module passes through Feelings information carries out resource transfers.
8. device according to claim 7, it is characterised in that the analysis module is used to obtain the account of the target bill Single status information；If the Bill Status information indicates that the target bill is not in process state, if or, the bill Status information indicates that the resource in the target bill is in last state, it is determined that the transfer detail information to the side of producing Feasibility analysis pass through.
9. device according to claim 8, it is characterised in that described device also includes：
Module is monitored, if indicating that the target bill is in process state for the Bill Status information, monitors described Target bill, when the process state of the target bill is updated to idle condition, then after triggering the generation module based on updating Target bill regenerate the transfer detail information of the side of producing；
Or,
Update module, if indicating that the resource in the target bill is not last state for the Bill Status information, The target bill is updated according to current time, is triggered the generation module and is given birth to again based on the target bill after updating Into the transfer detail information of the side of producing.
10. device according to claim 7, it is characterised in that the resource transfers request also carries the side of producing The bill detail information of bill to be transferred, described device also includes：
Acquisition module, for according to the account identification of the side of producing, obtaining the account identification correspondence from billing data storehouse Bill detail information；
Consistency detection module, for based on the corresponding bill detail information of the account identification, asking the resource transfers The bill detail information of carrying carries out consistency desired result；When consistency desired result passes through, trigger the generation module and perform transfer The generating process of detail information；When consistency desired result does not pass through, the generation module is triggered corresponding according to the account identification Bill detail information performs the generating process of the transfer detail information.
11. devices according to claim 7, it is characterised in that the generation module is used for：
If the not also bill includes overdue bill, the overdue bill is retrieved as into target bill, if the resource Total quantity does not go back resource quantity more than or equal to the overdue bill, then by the not also resource quantity acquisition of the overdue bill For first object resource quantity, the first object resource quantity is the target resource quantity of the overdue bill；
If described not going back in bill also includes going out bill, and the not also resource quantity of the overdue bill is less than the resource Total quantity, has gone out bill and has been retrieved as target bill by described, if the first surplus resources quantity has gone out bill not less than described Also resource quantity, by the first surplus resources quantity the second target resource quantity, the second target resource quantity are retrieved as For the target resource quantity for having gone out bill, the first surplus resources quantity is that described the is removed in the total number resource amount The surplus resources quantity of one target resource quantity；If the first surplus resources quantity has gone out bill more than or equal to described Resource quantity is not gone back, the not also resource quantity that bill has been gone out is retrieved as into the second target resource quantity；
If described not going back in bill also includes bill, and the overdue bill and the not also resource for having gone out bill are total Quantity be less than the total number resource amount, by it is described do not go out bill be retrieved as target bill, if the second surplus resources quantity is less than It is described do not go out bill not also resource quantity, by the second surplus resources quantity be retrieved as it is described do not go out bill target resource Quantity, the second surplus resources quantity is to remove the first object resource quantity and described second in the total number resource amount The surplus resources quantity of target resource quantity；If the second surplus resources quantity does not go out bill not more than or equal to described in Also resource quantity, by it is described do not go out bill not also resource quantity be retrieved as it is described do not go out bill target resource quantity.
12. devices according to any one of claim 7 to 11, it is characterised in that described device also includes：
Refusal module, if the bill of not going back for the side of producing includes overdue bill, and resource transfers request is taken Not going back in bill for band does not include that the overdue bill or the total number resource amount do not go back number of resources less than the overdue bill Amount, refuses the resource transfers request.
CN201610919331.4A 2016-10-20 2016-10-20 Resource transfer method and apparatus Pending CN106656839A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201610919331.4A CN106656839A (en) 2016-10-20 2016-10-20 Resource transfer method and apparatus

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610919331.4A CN106656839A (en) 2016-10-20 2016-10-20 Resource transfer method and apparatus

Publications (1)

Publication Number Publication Date
CN106656839A true CN106656839A (en) 2017-05-10

Family

ID=58855803

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201610919331.4A Pending CN106656839A (en) 2016-10-20 2016-10-20 Resource transfer method and apparatus

Country Status (1)

Country Link
CN (1) CN106656839A (en)

Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107220820A (en) * 2017-05-16 2017-09-29 腾讯科技（深圳）有限公司 Resource transfers method, device and storage medium
CN107301536A (en) * 2017-06-12 2017-10-27 腾讯科技（深圳）有限公司 Resource transfers method and device
CN107527205A (en) * 2017-08-24 2017-12-29 维沃移动通信有限公司 A kind of resource transfers method, server, receiving terminal and transmission terminal
CN108694588A (en) * 2018-04-13 2018-10-23 平安普惠企业管理有限公司 Virtual resource requesting method and terminal device
CN109005214A (en) * 2018-07-03 2018-12-14 阿里巴巴集团控股有限公司 A kind of resource regulating method and device
CN109285069A (en) * 2017-07-19 2019-01-29 腾讯科技（深圳）有限公司 Resource transfers method, apparatus and server
CN110009483A (en) * 2019-03-12 2019-07-12 平安普惠企业管理有限公司 A kind of data processing method and device based on temporal information
CN110209657A (en) * 2019-05-20 2019-09-06 平安普惠企业管理有限公司 Abatement method, apparatus, server and storage medium based on data processing
CN110502511A (en) * 2019-07-01 2019-11-26 招联消费金融有限公司 Numeric value transfer and device, computer equipment and storage medium
CN110633969A (en) * 2019-08-15 2019-12-31 平安普惠企业管理有限公司 Resource data transfer method, device, computer equipment and storage medium
CN110766539A (en) * 2019-10-25 2020-02-07 上海燕汐软件信息科技有限公司 Bill locking method and device and electronic equipment
CN111028074A (en) * 2019-12-06 2020-04-17 深圳乐信软件技术有限公司 Overdue bill updating and inquiring method, system, server and storage medium
CN111127008A (en) * 2019-12-09 2020-05-08 青岛聚好联科技有限公司 Method and device for preventing repeated payment
CN111131490A (en) * 2019-12-30 2020-05-08 北京三快在线科技有限公司 State updating method and device, computer equipment and storage medium
CN111144777A (en) * 2019-12-30 2020-05-12 北京三快在线科技有限公司 Resource transfer method, device, electronic equipment and storage medium
CN112446773A (en) * 2019-09-02 2021-03-05 顺丰科技有限公司 Business non-charge data management method, device, equipment and storage medium

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101587579A (en) * 2009-06-19 2009-11-25 阿里巴巴集团控股有限公司 Credit card payment system and method thereof
CN102163316A (en) * 2011-04-26 2011-08-24 中国工商银行股份有限公司 Repayment data processing device, system and method
CN102183923A (en) * 2011-04-26 2011-09-14 中国工商银行股份有限公司 Computer related event executing control method and system
CN104966194A (en) * 2015-07-21 2015-10-07 深圳市淘淘谷信息技术有限公司 Composite cash register method and intelligent cash register system therefor
CN105741101A (en) * 2016-01-21 2016-07-06 北京几币几网络科技有限公司 Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101587579A (en) * 2009-06-19 2009-11-25 阿里巴巴集团控股有限公司 Credit card payment system and method thereof
CN102163316A (en) * 2011-04-26 2011-08-24 中国工商银行股份有限公司 Repayment data processing device, system and method
CN102183923A (en) * 2011-04-26 2011-09-14 中国工商银行股份有限公司 Computer related event executing control method and system
CN104966194A (en) * 2015-07-21 2015-10-07 深圳市淘淘谷信息技术有限公司 Composite cash register method and intelligent cash register system therefor
CN105741101A (en) * 2016-01-21 2016-07-06 北京几币几网络科技有限公司 Method for realizing mobile credit granting and mobile transaction on credit based on mobile portable equipment

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
邪恶天使2016: ""信用卡的还款顺序"", 《百度经验，HTTPS://JINGYAN.BAIDU.COM/ARTICLE/59A015E356AE79F79588654C.HTML》 *

Cited By (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107220820A (en) * 2017-05-16 2017-09-29 腾讯科技（深圳）有限公司 Resource transfers method, device and storage medium
CN107220820B (en) * 2017-05-16 2019-10-01 腾讯科技（深圳）有限公司 Resource transfers method, apparatus and storage medium
CN107301536A (en) * 2017-06-12 2017-10-27 腾讯科技（深圳）有限公司 Resource transfers method and device
US11966916B2 (en) 2017-06-12 2024-04-23 Tencent Technology (Shenzhen) Company Limited Resource transfer method and apparatus, storage medium, and computer device
US11645649B2 (en) 2017-06-12 2023-05-09 Tencent Technology (Shenzhen) Company Limited Resource transfer method and apparatus, storage medium, and computer device
CN109285069A (en) * 2017-07-19 2019-01-29 腾讯科技（深圳）有限公司 Resource transfers method, apparatus and server
CN109285069B (en) * 2017-07-19 2022-11-15 腾讯科技（深圳）有限公司 Resource transfer method, device and server
CN107527205A (en) * 2017-08-24 2017-12-29 维沃移动通信有限公司 A kind of resource transfers method, server, receiving terminal and transmission terminal
CN108694588A (en) * 2018-04-13 2018-10-23 平安普惠企业管理有限公司 Virtual resource requesting method and terminal device
CN109005214B (en) * 2018-07-03 2021-06-29 创新先进技术有限公司 Resource scheduling method and device
CN109005214A (en) * 2018-07-03 2018-12-14 阿里巴巴集团控股有限公司 A kind of resource regulating method and device
CN113723641A (en) * 2018-07-03 2021-11-30 创新先进技术有限公司 Resource scheduling method and device
CN110009483A (en) * 2019-03-12 2019-07-12 平安普惠企业管理有限公司 A kind of data processing method and device based on temporal information
CN110209657A (en) * 2019-05-20 2019-09-06 平安普惠企业管理有限公司 Abatement method, apparatus, server and storage medium based on data processing
CN110502511A (en) * 2019-07-01 2019-11-26 招联消费金融有限公司 Numeric value transfer and device, computer equipment and storage medium
CN110633969A (en) * 2019-08-15 2019-12-31 平安普惠企业管理有限公司 Resource data transfer method, device, computer equipment and storage medium
CN110633969B (en) * 2019-08-15 2023-02-07 平安普惠企业管理有限公司 Resource data transfer method, device, computer equipment and storage medium
CN112446773A (en) * 2019-09-02 2021-03-05 顺丰科技有限公司 Business non-charge data management method, device, equipment and storage medium
CN110766539A (en) * 2019-10-25 2020-02-07 上海燕汐软件信息科技有限公司 Bill locking method and device and electronic equipment
CN111028074A (en) * 2019-12-06 2020-04-17 深圳乐信软件技术有限公司 Overdue bill updating and inquiring method, system, server and storage medium
CN111028074B (en) * 2019-12-06 2024-03-19 深圳乐信软件技术有限公司 Method, system, server and storage medium for updating and inquiring overdue bill
CN111127008A (en) * 2019-12-09 2020-05-08 青岛聚好联科技有限公司 Method and device for preventing repeated payment
CN111127008B (en) * 2019-12-09 2023-12-05 青岛聚好联科技有限公司 Method and device for preventing repeated payment
CN111144777B (en) * 2019-12-30 2022-06-07 北京三快在线科技有限公司 Resource transfer method, device, electronic equipment and storage medium
CN111144777A (en) * 2019-12-30 2020-05-12 北京三快在线科技有限公司 Resource transfer method, device, electronic equipment and storage medium
CN111131490A (en) * 2019-12-30 2020-05-08 北京三快在线科技有限公司 State updating method and device, computer equipment and storage medium

Similar Documents

Publication Publication Date Title
CN106656839A (en) Resource transfer method and apparatus
US7848736B2 (en) Package billing for micro-transactions
CN105741088A (en) Routing matching payment method and device
CN104350530B (en) Settlement system, server apparatus, terminal device, method
CN109242483A (en) A kind of dual trading method and system based on centralization and decentralization
WO2007084593A2 (en) Package billing for micro-transactions
JP6152185B1 (en) Information processing system, server device, information processing method, and information processing program
CN110599323A (en) Resource processing method and processing equipment
CN110163634B (en) Refund method and device based on blockchain and electronic equipment
CN105321065A (en) Multi-destination routing of transactions
TW202018655A (en) Blockchain-based property execution method and system
CN112465489A (en) Payment service processing method and device and machine-readable storage medium
CN110889751A (en) Enterprise fund pool management method, device and system, electronic equipment and readable medium
CN112330316A (en) Payment service processing method and device and machine-readable storage medium
CN104376452A (en) System and method for managing payment success rate on basis of international card payment channel
CN114912925A (en) Fraud detection method, device, electronic equipment and computer readable medium
JP2019074983A (en) Information processing system
CN111311252A (en) Virtual resource management method and block chain node equipment
CN110060041A (en) Channel of disbursement cut-in method, system, computer equipment and readable storage medium storing program for executing
US20180225785A1 (en) Systems and methods for managing property data
CN109636601B (en) Digital asset management system
CN113935507A (en) Foreign currency cash exchange reservation method and device based on block chain
JP2018163512A (en) Information processing apparatus and program
CN111242596A (en) Electronic account, management method and establishment method
CN111429125B (en) Account management method and device, storage medium and electronic equipment

Legal Events

Date Code Title Description
PB01 Publication
PB01 Publication
SE01 Entry into force of request for substantive examination
SE01 Entry into force of request for substantive examination
RJ01 Rejection of invention patent application after publication
RJ01 Rejection of invention patent application after publication

Application publication date: 20170510