CN110766553B - Resource transfer method, device, system, electronic equipment and medium - Google Patents
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- 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
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Abstract
The invention discloses a resource transfer method, a device, a system, electronic equipment and a medium. The method comprises the following steps: the method comprises the steps that a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client; the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object; the first server sends a first resource transfer request comprising a first resource transfer path to the second server; the first server determines a second resource transfer object, wherein the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object; the first server generates a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object; the first server sends a second resource transfer request including a second resource transfer path to the second server.
Description
Technical Field
The present invention relates to the field of internet communications technologies, and in particular, to a resource transfer method, device, system, electronic device, and medium.
Background
Resources, including virtual items, which may be account values, points, or electronic coupons, as well as physical items. With the development of internet communication technology, various resource service platforms are developed, the resource service platform can provide services such as resource purchasing, purchasing cancellation, redemption and the like for users, and corresponding users can convert the resources by means of the resource service platform to acquire other resources equivalent to the resources. For example, a user can purchase a B share of the resource B by using the a share of the resource a through the resource service platform based on the exchange ratio of the current resource a-resource B, the resource service platform transfers the a share of the resource a to the resource hosting party, the B share of the resource B purchased by the user is managed by the resource hosting party, and when the user needs to use the resource B, the user applies for the redemption of the resource through the resource service platform.
In the prior art, for resource transfer corresponding to a resource service application generated in a fixed time period, a resource service platform often estimates a share of a resource to be transferred, and then performs resource transfer in another fixed time period. However, the estimated share of the resources to be transferred is often inaccurate and has errors, so that the effective completion of the resource transfer cannot be guaranteed. Thus, there is a need to provide a more accurate and efficient transfer scheme for resources.
Disclosure of Invention
In order to solve the problems of low accuracy and the like of resource transfer when the prior art is applied to transfer resources, the invention provides a resource transfer method, a device, a system, electronic equipment and a medium:
in one aspect, the present invention provides a resource transfer method, where the method includes:
the method comprises the steps that a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first server sends a first resource transfer request to a second server so that the second server transfers the resource share from the resource transfer object to the first resource transfer object, wherein the first resource transfer request comprises the first resource transfer path;
the first server determines a second resource transfer object, wherein the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
The first server generates a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
the first server sends a second resource transfer request to the second server to enable the second server to transfer the resource share from the first resource transfer object to the second resource transfer object, wherein the second resource transfer request comprises the second resource transfer path.
Another aspect provides a resource transfer device, applied to a first server, the device comprising:
a resource transfer request receiving module: the method comprises the steps of receiving a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first resource transfer path generation module: the resource transfer path generation module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
a first resource transfer request sending module: for sending a first resource transfer request to a second server to cause the second server to transfer the resource share from the resource transfer object to the first resource transfer object, the first resource transfer request including the first resource transfer path;
A resource transfer object determining module: the method comprises the steps that a first server is used for determining a second resource transfer object, and the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
the second resource transfer path generation module: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
the second resource transfer request sending module: and the first server is used for sending the second resource transfer request to the second server so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, and the second resource transfer request comprises the second resource transfer path.
In another aspect, a resource transfer system is provided, the system comprising a first server and a second server, the first server comprising a resource transfer device as described above.
In another aspect, an electronic device is provided, including a processor and a memory, where the memory stores at least one instruction, at least one program, a set of codes, or a set of instructions, where the at least one instruction, the at least one program, the set of codes, or the set of instructions are loaded and executed by the processor to implement a resource transfer method as described above.
Another aspect provides a computer readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set loaded and executed by a processor to implement a resource transfer method as described above.
The resource transfer method, the device, the system, the electronic equipment and the medium provided by the invention have the following technical effects:
the invention can manage the resource transfer in a finer granularity, and improve the accuracy of the resource transfer. The settlement time period is ensured to transfer the resources normally, the accuracy of transferring the share of the resources and the account entry efficiency are ensured, and the delay problem can be avoided to a certain extent.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions and advantages of the prior art, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments of the invention, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of an application environment provided by an embodiment of the present invention;
FIG. 2 is a schematic flow chart of a resource transferring method according to an embodiment of the present invention;
FIG. 3 is a schematic flow chart of a resource transferring method according to an embodiment of the present invention;
FIG. 4 is a schematic flow chart of a resource transferring method according to an embodiment of the present invention;
FIG. 5 is a schematic flow chart of transferring a net share of a purchased share from a second resource staging object to a third resource staging object according to an embodiment of the invention;
FIG. 6 is a schematic flow chart of transferring a sum of purported shares from a second resource staging object to a third resource staging object according to an embodiment of the invention;
FIG. 7 is a block diagram of a resource transfer device according to an embodiment of the present invention;
FIG. 8 is a block diagram of a resource transfer system according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
It is noted that the terms "comprises" and "comprising," and any variations thereof, in the description and claims of the present invention and in the foregoing figures, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or server comprising a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or apparatus.
Referring to fig. 1, fig. 1 is a schematic diagram of an application environment according to an embodiment of the present invention, which may include a client 01, a first server 02 and a second server 03, where the client is communicatively connected to the first server, and the first server is communicatively connected to the second server. The user sends the resource transfer request to the first server through the client, the first server generates a corresponding resource transfer path and sends the resource transfer request comprising the resource transfer path to the second server, and the second server executes resource transfer according to the resource transfer request. It should be noted that fig. 1 is only an example.
Specifically, the client 01 may include a smart phone, a desktop computer, a tablet computer, a notebook computer, a digital assistant, an intelligent wearable device, and other types of physical devices, or may include software running in the physical devices, for example, web pages provided by some service providers to users, or may provide applications provided by the service providers to users.
Specifically, in the embodiment of the present disclosure, the first server 02 and the second server 03 may include one server that operates independently, or a distributed server, or a server cluster formed by a plurality of servers. The first server 02 and the second server 03 may comprise a network communication unit, a processor, a memory, etc. Specifically, the first server and the second server may provide background services for the client.
In the following, a specific embodiment of a resource transferring method according to the present invention is described, and fig. 2 is a schematic flow chart of a resource transferring method according to an embodiment of the present invention, and the present specification provides the steps of the method according to the embodiment or the flowchart, but may include more or less steps based on conventional or non-inventive labor. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When implemented in a real system or server product, the methods illustrated in the embodiments or figures may be performed sequentially or in parallel (e.g., in a parallel processor or multithreaded environment). As shown in fig. 2, the method may include:
S201: the method comprises the steps that a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
in an embodiment of the invention, the resource is an item that can acquire ownership over a network. Resources may be categorized into virtual resources and physical resources according to attributes. Virtual resources such as account numbers, avatar products, virtual rechargeable cards, game equipment, virtual currency, and the like. The physical resource may be any item that may be in the physical form of a user, such as an electronic product, toy, artwork, or a signed photo.
Resources may also be classified as circulating resources and non-circulating resources according to circulation. The circulation resource is an exchange medium which can be immediately put into circulation, and has universal acceptability. The circulating resources may be used to exchange non-circulating resources. The non-circulating resources may include periodic redemption resources and redemption resources. The periodic redemption of a resource is a resource that agrees on the exchange deadline. After the resources are periodically redeemed through the exchange of the circulation resources, the circulation resources can be replaced through the periodic redemption of the resources after the appointed exchange period. The redemption of the resource in the living period is the resource without the contract exchange period.
As shown in fig. 3, the client sends the resource transfer request to the first server accordingly. The resource transfer request is a request to transfer the resource share to a target resource transfer object based on a resource transfer object. Specifically, after a user logs in the client through the user identifier, the client can generate a resource transfer request according to a user instruction 'utilize a first type resource of a first share to purchase a second type resource of a second share', the resource transfer request corresponds to the currently logged-in user identifier and is sent to the first server, and the first server acquires the resource transfer request corresponding to the user identifier. The resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client.
In practical applications, the resource service platform may include a client, a first server, and a second server. The resource service platform may be an internet financial platform (internet payment mechanism). The resource share may correspond to the amount of the first type of resource paid for by the second type of resource. For example, the second type of resource is a fund product, the first type of resource is an account number, and the first type of resource can be utilized The first type of the resources of the amount purchase a second type of the resources of the amount share, the resource share corresponds to the first type of the amount share, and the specific resource share can correspond to an account value 1000. The time period during which the first server receives the resource transfer request may be referred to as a resource transfer time period. Specifically, the resource transfer time period may correspond to a current fund transaction day (T day) 。
The first resource transfer object may be a first account of the resource service platform, and the first account may correspond to a centralized deposit account (ACS account) opened in a central row. The resource transfer object corresponding to the client can correspond to a user account, the user account is used as an account outlet starting point of the resource share, the user account can be a resource account of a resource service platform corresponding to the user logged in the client through a user identifier, and the user account can also be a resource account of a resource service platform bound by the user logged in the client through the user identifier. When the resource transfer request corresponds to a claims request, the target resource transfer object may correspond to a redemption interface account provided by the resource hosting party. Further, the target resource transfer object may be a fund company account to which the fund product belongs, and the fund company account serves as an accounting end point of the resource share.
In a particular embodiment, the resource transfer request may include a claims request, a redemption request, and the like. Accordingly, the request for purchase corresponds to the share of the resource and the request for redemption corresponds to the share of the redeemed resource.
Where redemption means selling, such as the user paying for the first type of resource to purchase the second type of resource, and the user selling the second type of resource to obtain the corresponding share of the first type of resource. The redeemed resource shares may correspond to the number of second-type resources sold.
In another specific embodiment, when the resource transfer request corresponds to the purchase request, the first server may set at least one collection time for the resource transfer period. The first server may count the resource shares corresponding to the starting time to the current collection time, so as to obtain a current summary share. For example, two adjacent acquisition moments can be separated by 1 second, 1 minute, 5 minutes, etc. Thus, for T days, the resource share from the start time to the current acquisition time on T days can be counted and denoted as ftotal_buy.
S202: the first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
In the embodiment of the present invention, the first resource transfer path indicates that the object to be transferred corresponding to the path is the resource share, the resource transfer object corresponding to the start point of the path, and the first resource transfer object corresponding to the end point of the path. In practical application, the first resource transfer path indicates that an object to be transferred corresponding to the path is an account number 1000, a starting point of the path is a user account, and an end point of the path is an ACS account.
S203: the first server sends a first resource transfer request to a second server, so that the second server transfers the resource share from the resource transfer object to the first resource transfer object (corresponding to step S301), and the first resource transfer request includes the first resource transfer path;
in the embodiment of the invention, the second server provides resource transfer service for the resource transfer object and the first resource transfer object. The second server receives a first resource transfer request which is sent by the first server and contains the first resource transfer path, and further executes a corresponding resource transfer step to transfer the resource share from the resource transfer object to the first resource transfer object.
In practical application, the user buys the account value 1000 corresponding to the share of the resource paid by a certain fund product, and by means of the second server, the account value 1000 can be automatically collected from the user account to the ACS account, correspondingly, the account value corresponding to the user account is reduced by 1000 (for example, from 3000 to 2000), and the account value corresponding to the ACS account is increased by 1000 (for example, from 5000 to 6000).
S204: the first server determines a second resource transfer object, wherein the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
in the embodiment of the present invention, the second resource transfer object may be a second account of the resource service platform, and the second account may correspond to a bank account (a payment settlement private user) opened at a supervising bank. Based on the same share of resources (e.g., account value), ACS accounts generate less benefits of the development (e.g., interest) than the payment settlement specialists of the funds.
S205: the first server generates a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
in the embodiment of the present invention, the second resource transfer path indicates that the object to be transferred corresponding to the path is the resource share, the starting point of the path corresponds to the first resource transfer object, and the end point of the path corresponds to the second resource transfer object. In practical application, the second resource transfer path indicates that an object to be transferred corresponding to the path is an account number 1000, the starting point of the path is an ACS account, and the end point of the path is a payment settlement special account for the fund.
In a specific embodiment, when the resource transfer request corresponds to the purchase request, the current summary share of the current collection time is obtained through statistics based on setting of at least one collection time for the resource transfer time period. Reference may be made to the relevant description of step S201, and no further description is given here.
Correspondingly, the first server sends a resource transfer query request to the second server, receives the transferred share returned by the second server, obtains a to-be-transferred share according to the current summary share and the transferred share, and generates the second resource transfer path according to the to-be-transferred share, the first identification information and the second identification information. In practical applications, the second server may count the diverted shares from the start time to the current collection time on the T day, denoted as fcut_buy_allo, where the to-be-diverted shares fcur_allo=fcut_buy-ftotal_buy_allo obtained by the first server.
The transit for the resource share is quasi-real-time, even real-time. Meanwhile, the related steps of resource transfer inquiry are assisted, so that the resource transfer can be managed in a finer dimension, and the transfer of the full share of the resource corresponding to the purchase request to the fund payment settlement specialist is ensured in the T day. Further, this may increase the share of the resource allocated to the fund payment settlement house on day T, thereby increasing the interest revenue of the fund payment settlement house.
S206: the first server sends a second resource transfer request to the second server to cause the second server to transfer the resource share from the first resource transfer object to the second resource transfer object (corresponding to step S302), the second resource transfer request including the second resource transfer path.
In the embodiment of the invention, the second server provides resource transfer service for the first resource transfer object and the second resource transfer object. And the second server receives a second resource transfer request which is sent by the first server and contains the second resource transfer path, and further executes a corresponding resource transfer step to transfer the resource share from the first resource transfer object to the second resource transfer object.
In practical application, the user buys the account value 1000 corresponding to the share of the resource paid by a certain fund product, and by means of the second server, the account value 1000 can be automatically collected from the user account to the ACS account, and then the account value 1000 is transferred from the ACS account to the payment settlement special user. Accordingly, the account value corresponding to the ACS account is decreased by 1000 (e.g., from 6000 to 5000), and the account value corresponding to the fund payment settlement specialist is increased by 1000 (e.g., from 4000 to 5000).
And transferring the full value unit of the resource share corresponding to the purchase request to the payment settlement specialist of the fund on the T day, so that errors caused by estimating the net purchase share can be avoided. Especially for the case of purchasing a second type of resource using a first type of resource, the second type of resource is directed to a equity type of foundation product. The delay condition of transferring resources to the account of the foundation company in the settlement time period due to the fact that the estimated net buying share is smaller than the real share can be reduced. Furthermore, the resource transfer time period is not limited to transaction days, and resource share can be allocated based on resource requests (purchase requests) in natural days, so that the propagation income can be greatly improved.
In a specific embodiment, the first server may divide the resource transit time period into at least one task time period, and each task time period may correspond to the same duration, such as 1 second, 1 minute, 5 minutes, and so on. And the first server generates a resource transfer task according to each second resource transfer request corresponding to the current task time period. And the first server sends the resource transfer task to the second server. Therefore, batch processing tasks can be carried out based on a certain time dimension, when a second server is a server cluster formed by a plurality of servers, the condition that each server in the server cluster executes a corresponding resource transfer task can be queried, the task progress and waiting time required by task completion are determined, and then newly generated resource transfer tasks are distributed according to the current state of each server, so that the efficiency of resource transfer can be improved, and the quasi-real-time transfer of resource share in the resource transfer time period is ensured.
Further, the resource service platform further comprises a third server. And the first server sends the generated second resource transfer request to the third server. The third server may divide the resource intermediation period into at least one task period. And the third server generates a resource transfer task based on the second resource transfer request received in the current task time period, and then sends the resource transfer task to the second server.
Based on the above steps S201-206, in the resource transfer period, the resource share is transferred in near real time: transferring the object from the resource to the first resource transfer object, and transferring the object from the first resource transfer object to the second resource transfer object.
As shown in fig. 4, the method further includes:
s401: the first server sends the resource transfer request to a server corresponding to a resource hosting party;
in an embodiment of the invention, the resource transfer request includes a claims request, a redemption request, and the like. The resource transfer request received by the first server during the resource transfer period (T days) may correspond to a plurality of resource transfer requests. The user may log into the client through the user identifier, and the user may perform a related operation on the client to generate a resource transfer request, where the resource transfer request corresponds to the currently logged-in user identifier. The multiple purchase request may correspond to the same user identifier or may correspond to different user identifiers.
The resource service platform (which may be specifically the first server) sends the resource transfer request to the resource hosting party (corresponding server). The first server can forward the received resource transfer request in real time; a forwarding time period may also be set, and the resource transfer requests received in the forwarding time period are forwarded in a centralized manner.
S402: the first server receives a resource transfer confirmation result returned by the server corresponding to the resource hosting party, wherein the resource transfer confirmation result is a first confirmation mark corresponding to the resource share or a second confirmation mark corresponding to the redeemed resource share;
in an embodiment of the invention, the resource share corresponds to a first type of resource (e.g., account value) and the redeemed resource share corresponds to a second type of resource (e.g., fund product). The resource transfer acknowledgement result indicates that the acknowledgement of the resource transfer request by the resource hosting party was successful or failed. When the resource transfer request corresponds to the purchase request, and the purchase request corresponds to the resource share, the resource transfer confirmation result is a first confirmation mark corresponding to the resource share. When the resource transfer request corresponds to a redemption request that corresponds to the redeemed resource share, the resource transfer validation result is a second validation flag corresponding to the redeemed resource share and a resource conversion parameter that characterizes a share of the first type of resource corresponding to the second type of resource per unit share.
S403: the first server counts the resource share corresponding to the resource transfer time period based on the first confirmation mark to obtain a purchased share sum;
in the embodiment of the invention, the settlement time period is agreed by the resource service platform and the resource hosting party. And in the settlement time period, transferring the resources of the to-be-processed shares generated in the corresponding resource transfer time period. According to the rule of convention, the resource transit time period may be denoted as T day, and the corresponding settlement time period may be denoted as t+n (N > =1)) day. In the settlement time period (t+n days), the resource service platform (specifically, the first server) performs a confirmation operation on the redemption transaction corresponding to each resource transfer request according to the resource transfer confirmation result corresponding to the resource transfer request in the resource transfer time period (T days), and updates the transaction state to be successful or failed.
And for the resource share corresponding to the resource transfer time period, obtaining the resource share corresponding to the successful purchase request according to the first request mark, and further obtaining the sum of the purchase request by statistics.
S404: the first server calculates the redemption resource share corresponding to the resource transfer time period based on the second confirmation mark to obtain a to-be-converted share sum, and obtains the redemption share sum according to the to-be-converted share sum and the resource conversion parameter;
And combining the above, for the redeemed resource share corresponding to the resource transfer time period, obtaining the redeemed resource share corresponding to the successful redemption confirmation according to the second confirmation mark, and further obtaining the sum of the to-be-converted shares by statistics. And obtaining a redemption share sum according to the share sum to be converted and the resource conversion parameter, for example, the share sum to be converted is 100 parts (corresponding to a certain foundation product), the resource conversion parameter is 20 (account value)/part (corresponding to a certain foundation product), and the redemption share sum is obtained as account value 2000.
S405: the first server obtains a to-be-processed share according to the purchased share sum and the redeemed share sum;
in the embodiment of the invention, the pending share= |the sum of the purchased shares-the sum of the redeemed shares|.
S406: when the pending share corresponds to a net purchased share, the first server generates a third resource transfer path according to the redemption share sum, the first identifying information and the second identifying information, and sends the third resource transfer request to the second server, so that the second server transfers the redemption share sum from the second resource transfer object to the first resource transfer object, and the third resource transfer request comprises the third resource transfer path;
In an embodiment of the invention, the pending share corresponds to the net applied share, i.e. pending share = applied share sum-redeemed share sum >0. The resource service platform can pad the sum of the redemption shares for the resource hosting party in the settlement time period, and specifically, the fund company can pay the settlement specialist without paying the fund corresponding to the internet financing platform. The internet financial platform transfers the sum of the redeemed shares and the sum of the purchase confirmation losing shares from the fund payment settlement specialist to the ACS account and the corresponding shares from the ACS account to the user.
The sum of the redemption shares corresponds to at least one resource transfer request (redemption validation successful), and accordingly, the first server may generate a reverse transfer request corresponding to the resource transfer request (redemption validation successful) in performing a reverse transfer of the resource shares by the fund payment settlement specialist to the ACS account. The reverse transfer request may be generated based on the timing of receipt of the corresponding resource transfer request (redemption confirmation successful). The first server or the third server may generate a reverse transfer task according to the corresponding reverse transfer request based on the divided reverse transfer task time periods, and further send the reverse transfer task to the second server to perform the batch processing task.
The aggregate of claims validation failure shares corresponds to at least one resource transfer request (claims validation failure), and accordingly, the first server may generate a transfer request corresponding to the resource transfer request (claims validation failure) during the process of performing a reverse transfer of the resource shares from the fund payment settlement specialist to the ACS account. Of course, the batch task execution resource transfer may also be performed with reference to the reverse transfer request.
Further, the resource service platform transfers the net buying share from the second resource transfer object to the third resource transfer object (corresponding to the resource hosting party), as shown in fig. 5, and may be performed by the following steps:
s501: the first server generates a fifth resource transfer path according to the net share, the second identification information and the third identification information;
for example, the resource share corresponding to the resource transfer time period is an account value 200, the sum of the purchasing shares is 100, and the sum of the purchasing confirmation failed shares is 100. The redemption share totals 50. Then the net share of the purchase is 50. The fifth resource transfer path indicates that the object to be transferred corresponding to the path is an account number 50, the starting point of the path is a fund payment settlement specialist, and the ending point of the path is a redemption payment interface account provided by the resource hosting party.
S501: the first server sends a fifth resource transfer request to the second server to cause the second server to transfer the net share of the purchase from the second resource transfer object to the third resource transfer object, the fifth resource transfer request including the fifth resource transfer path.
And the second server provides resource transfer service for the second resource transfer object and the third resource transfer object. And the second server receives a fifth resource transfer request which is sent by the first server and contains the fifth resource transfer path, further executes a corresponding resource transfer step and transfers the net purchase share from the second resource transfer object to the third resource transfer object. Specifically, the internet financing platform pays net applied shares from the fund payment settlement specialist to the fund company account.
S407: when the pending share corresponds to a net redemption share, the first server generates a fourth resource transfer path according to the net redemption share, the second identifying information, and third identifying information of a third resource transfer object, and sends the fourth resource transfer request to the second server to cause the second server to transfer the net redemption share from the third resource transfer object to the second resource transfer object, the fourth resource transfer request including the fourth resource transfer path;
For example, the resource share corresponding to the resource transfer time period is an account value of 100, the sum of the purchasing shares is 60, and the sum of the purchasing confirmation failed shares is 40. The redemption share totals 100. Then the net redemption share is 40.
In a specific embodiment, the pending share corresponds to a net redeemed share, i.e., pending share = redeemed share sum-purchased share sum >0. And the fund company can pay and settle accounts for the special account without paying to the fund corresponding to the internet financial platform. The fund company may scribe the net redemption share to a fund payment settlement specialist corresponding to the internet financial platform. The resource service platform can pad the total redemption share-the net redemption share for the resource hosting party during the settlement period. Further, the Internet financial platform transfers the sum of the redeemed shares and the sum of the purchase confirmation losing shares from the fund payment settlement specialist to the ACS account, and the corresponding shares are redeemed from the ACS account to the user. Reference may be made to the relevant description in step S2013, and the description is not repeated here.
In another specific embodiment, when the pending share corresponds to the net redemption share, the step of the first server generating the fourth resource transfer path further includes: and generating the fourth resource transfer path according to the redemption share sum, the second identification information and the third identification information. And further sending the fourth resource transfer request to the second server. The resource service platform may not make a payment for the resource hosting party during the settlement period. And the fund company pays the sum of the redemption share to a fund payment settlement specialist corresponding to the internet financial platform. Further, the Internet financial platform transfers the sum of the redeemed shares and the sum of the purchase confirmation losing shares from the fund payment settlement specialist to the ACS account, and the corresponding shares are redeemed from the ACS account to the user. Reference may be made to the relevant description in step S2013, and the description is not repeated here.
Further, the resource service platform transfers the sum of the purchased shares from the second resource transfer object to the third resource transfer object (corresponding to the resource hosting party), as shown in fig. 6, and may be performed by the following steps:
s601: the first server generates a sixth resource transfer path according to the sum of the purchased shares, the second identification information and the third identification information;
the sixth resource transfer path indicates that the object to be transferred corresponding to the path is an account number 60, the beginning of the path is a fund payment settlement specialist, and the end of the path is a redemption payment interface account provided by the resource hosting party.
S602: the first server sends a sixth resource transfer request to the second server to cause the second server to transfer the sum of the purported shares from the second resource transfer object to the third resource transfer object, the sixth resource transfer request including the sixth resource transfer path.
And the second server provides resource transfer service for the second resource transfer object and the third resource transfer object. And the second server receives a sixth resource transfer request which is sent by the first server and contains the sixth resource transfer path, further executes a corresponding resource transfer step, and transfers the total share of the purchase request from the second resource transfer object to the third resource transfer object. Specifically, the internet financing platform pays the sum of the purported shares from the fund payment settlement specialist to the fund company account.
During the settlement time period (e.g., t+1 days), the internet financing platform may pay funds previously transferred to the fund payment settlement specialist to the fund company or re-transfer back to the ACS account based on the funds settlement results for each fund. The resource transfer time period is transferred to all the resource shares of the fund payment settlement specialist, so that corresponding propagation benefits can be obtained to the maximum degree for the Internet financial platform. For money funds with very large transaction amount, generally, the money exchange is a bundle difference, and if only the estimated net buying share is transferred to the payment settlement specialist of the funds on the T day, the corresponding interest income is greatly influenced.
In practical application, the fund allocation in the settlement period may be calculated with the corresponding procedure cost and the like as needed.
As can be seen from the technical solutions provided in the embodiments of the present disclosure, a first server receives a resource transfer request sent by a client, generates a corresponding resource transfer path, and a second server executes resource transfer according to the resource transfer request including the resource transfer path. Based on the resource transfer request sent by the client, in the process of transferring the resource share to the target resource object, the first server generates a first resource transfer path and a second resource transfer path, so that the resource transfer can be managed in a finer granularity, and the accuracy of the resource transfer is improved. The settlement time period is ensured to transfer the resources normally, the accuracy of transferring the share of the resources and the account entry efficiency are ensured, and the delay problem can be avoided to a certain extent. The propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object, so that propagation income of the second resource transfer object can be improved.
The embodiment of the invention also provides a resource transfer device, as shown in fig. 7, applied to the first server, the device comprises:
resource transfer request receiving module 710: the method comprises the steps of receiving a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first resource transfer path generation module 720: the resource transfer path generation module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first resource transfer request sending module 730: for sending a first resource transfer request to a second server to cause the second server to transfer the resource share from the resource transfer object to the first resource transfer object, the first resource transfer request including the first resource transfer path;
resource relay object determination module 740: the method comprises the steps that a first server is used for determining a second resource transfer object, and the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
The second resource relay path generation module 750: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
the second resource transfer request sending module 760: and the first server is used for sending the second resource transfer request to the second server so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, and the second resource transfer request comprises the second resource transfer path.
It should be noted that the apparatus and method embodiments in the apparatus embodiments are based on the same inventive concept.
The embodiment of the invention also provides a resource transfer system, as shown in fig. 8, which comprises a first server and a second server, wherein the first server comprises the resource transfer device provided by the embodiment of the device.
The embodiment of the invention provides an electronic device, which comprises a processor and a memory, wherein at least one instruction, at least one section of program, a code set or an instruction set is stored in the memory, and the at least one instruction, the at least one section of program, the code set or the instruction set is loaded and executed by the processor to realize the resource transfer method provided by the embodiment of the method.
Further, fig. 9 shows a schematic hardware structure of an electronic device for implementing the method provided by the embodiment of the present invention, where the device may participate in forming or including the apparatus provided by the embodiment of the present invention. As shown in fig. 9, the apparatus 90 may include one or more processors 902 (shown in the figures as 902a, 902b, … …,902 n) (the processor 902 may include, but is not limited to, a microprocessor MCU or a processing device such as a programmable logic device FPGA), a memory 904 for storing data, and a transmission device 906 for communication functions. In addition, the method may further include: a display, an input/output interface (I/O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the I/O interface), a network interface, a power supply, and/or a camera. It will be appreciated by those skilled in the art that the configuration shown in fig. 9 is merely illustrative and is not intended to limit the configuration of the electronic device. For example, the electronic device 90 may also include more or fewer components than shown in FIG. 9, or have a different configuration than shown in FIG. 9.
It should be noted that the one or more processors 902 and/or other data processing circuitry described above may be referred to herein generally as "data processing circuitry. The data processing circuit may be embodied in whole or in part in software, hardware, firmware, or any other combination. Further, the data processing circuitry may be a single stand-alone processing module, or incorporated, in whole or in part, into any of the other elements in the electronic device 90 (or mobile device). As referred to in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of the path of the variable resistor termination to interface).
The memory 904 may be used to store software programs and modules of application software, such as program instructions/data storage devices corresponding to the methods described in the embodiments of the present invention, and the processor 902 executes the software programs and modules stored in the memory 94 to perform various functional applications and data processing, i.e., implement a resource transfer method as described above. The memory 904 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 904 may further include memory remotely located relative to the processor 902, which may be connected to the electronic device 90 via a network. Examples of such networks include, but are not limited to, the internet, intranets, local area networks, mobile communication networks, and combinations thereof.
The transmission means 906 is used for receiving or transmitting data via a network. Specific examples of the network described above may include a wireless network provided by a communications provider of the electronic device 90. In one example, the transmission means 906 includes a network adapter (NetworkInterfaceController, NIC) that can be connected to other network devices through a base station to communicate with the internet. In one example, the transmission device 906 may be a radio frequency (RadioFrequency, RF) module for communicating wirelessly with the internet.
The display may be, for example, a touch screen type Liquid Crystal Display (LCD) that may enable a user to interact with a user interface of the electronic device 90 (or mobile device).
Embodiments of the present invention also provide a storage medium that may be provided in an electronic device to store at least one instruction, at least one program, a code set, or an instruction set related to implementing a resource transfer method in a method embodiment, where the at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the resource transfer method provided in the method embodiment.
Alternatively, in this embodiment, the storage medium may be located in at least one network server among a plurality of network servers of the computer network. Alternatively, in the present embodiment, the storage medium may include, but is not limited to: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
It should be noted that: the sequence of the embodiments of the present invention is only for description, and does not represent the advantages and disadvantages of the embodiments. And the foregoing description has been directed to specific embodiments of this specification. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for the apparatus and electronic device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and references to the parts of the description of the method embodiments are only required.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The foregoing description of the preferred embodiments of the invention is not intended to limit the invention to the precise form disclosed, and any such modifications, equivalents, and alternatives falling within the spirit and scope of the invention are intended to be included within the scope of the invention.
Claims (10)
1. A method of resource transfer, the method comprising:
the method comprises the steps that a first server receives a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
The first server generates a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
the first server sends a first resource transfer request to a second server so that the second server transfers the resource share from the resource transfer object to the first resource transfer object, wherein the first resource transfer request comprises the first resource transfer path;
the first server determines a second resource transfer object, wherein the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
the first server generates a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
the first server sends a second resource transfer request to the second server so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, wherein the second resource transfer request comprises the second resource transfer path;
wherein the method further comprises: the first server obtains a to-be-processed share according to the sum of the purchased shares and the sum of the redeemed shares; when the pending share corresponds to a net purchased share, the first server generates a third resource transfer path according to the redemption share sum, the first identifying information and the second identifying information, and sends the third resource transfer request to the second server, so that the second server transfers the redemption share sum from the second resource transfer object to the first resource transfer object, and the third resource transfer request comprises the third resource transfer path; when the pending share corresponds to a net redemption share, the first server generates a fourth resource transfer path according to the net redemption share, the second identifying information, and third identifying information of a third resource transfer object, and sends the fourth resource transfer request to the second server to cause the second server to transfer the net redemption share from the third resource transfer object to the second resource transfer object, the fourth resource transfer request including the fourth resource transfer path; and the third resource transfer object corresponds to a resource hosting party.
2. The method according to claim 1, characterized in that:
the first server receives a resource transfer request sent by a client, and the method further comprises the following steps:
the first server sets at least one acquisition time for a resource transfer time period;
the first server counts the corresponding resource share from the starting moment to the current collecting moment to obtain the current summarized share;
the first server generates a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object, and the method further comprises the following steps:
the first server sends a resource transfer query request to the second server;
the first server receives the transferred share returned by the second server;
the first server obtains a share to be transferred according to the current summary share and the transferred share;
the first server generates the second resource transfer path according to the share to be transferred, the first identification information and the second identification information;
the resource transfer time period is a time period when the first server receives the resource transfer request.
3. The method of claim 1, wherein the first server sends a second resource transfer request to the second server, further comprising:
The first server divides the resource transfer time period into at least one task time period;
the first server generates a resource transfer task according to each second resource transfer request corresponding to the current task time period;
the first server sends the resource transfer task to the second server;
the resource transfer time period is a time period when the first server receives the resource transfer request.
4. The method of claim 1, wherein the resource transfer request further comprises a redeemed resource share corresponding to a first type of resource, the redeemed resource share corresponding to a second type of resource, the first server deriving the pending share from the sum of the purported shares and the sum of the redeemed shares, the method further comprising:
the first server sends the resource transfer request to a server corresponding to the resource hosting party;
the first server receives a resource transfer confirmation result returned by the server corresponding to the resource hosting party, wherein the resource transfer confirmation result is a first confirmation mark corresponding to the resource share or a second confirmation mark corresponding to the redeemed resource share and a resource conversion parameter, and the resource conversion parameter represents the share of the first type of resource corresponding to the second type of resource of the unit share;
The first server calculates the resource share corresponding to the resource transfer time period based on the first confirmation mark to obtain the total of the purchasing shares;
the first server calculates the redemption resource share corresponding to the resource transfer time period based on the second confirmation mark to obtain a to-be-converted share sum, and obtains the redemption share sum according to the to-be-converted share sum and the resource conversion parameter;
the resource transfer time period is a time period when the first server receives the resource transfer request.
5. The method of claim 4, wherein the step of the first server generating the fourth resource transfer path when the pending share corresponds to the net redemption share further comprises:
and generating the fourth resource transfer path according to the redemption share sum, the second identification information and the third identification information.
6. The method of claim 4, wherein when the pending share corresponds to the net applied share, the method further comprises:
the first server generates a fifth resource transfer path according to the net share, the second identification information and the third identification information;
The first server sends a fifth resource transfer request to the second server to cause the second server to transfer the net share of the purchase from the second resource transfer object to the third resource transfer object, the fifth resource transfer request including the fifth resource transfer path.
7. A resource transfer device for application to a first server, the device comprising:
a resource transfer request receiving module: the method comprises the steps of receiving a resource transfer request sent by a client, wherein the resource transfer request comprises a resource share, first identification information of a first resource transfer object and identification information of a resource transfer object corresponding to the client;
the first resource transfer path generation module: the resource transfer path generation module is used for generating a first resource transfer path according to the resource share, the first identification information and the identification information of the resource transfer object;
a first resource transfer request sending module: for sending a first resource transfer request to a second server to cause the second server to transfer the resource share from the resource transfer object to the first resource transfer object, the first resource transfer request including the first resource transfer path;
A resource transfer object determining module: the method comprises the steps that a first server is used for determining a second resource transfer object, and the propagation rate corresponding to the second resource transfer object is larger than that corresponding to the first resource transfer object;
the second resource transfer path generation module: the first server is used for generating a second resource transfer path according to the resource share, the first identification information and the second identification information of the second resource transfer object;
the second resource transfer request sending module: the first server is used for sending the second resource transfer request to the second server so that the second server transfers the resource share from the first resource transfer object to the second resource transfer object, and the second resource transfer request comprises the second resource transfer path;
wherein the device is further adapted to derive a pending share from the sum of the purported shares and the sum of the redeemed shares; when the pending share corresponds to a net purchased share, generating a third resource transfer path according to the redemption share sum, the first identification information and the second identification information, and sending the third resource transfer request to the second server, so that the second server transfers the redemption share sum from the second resource transfer object to the first resource transfer object, wherein the third resource transfer request comprises the third resource transfer path; generating a fourth resource transfer path according to the net redemption share, the second identification information and third identification information of a third resource transfer object when the pending share corresponds to the net redemption share, and sending the fourth resource transfer request to the second server to cause the second server to transfer the net redemption share from the third resource transfer object to the second resource transfer object, the fourth resource transfer request including the fourth resource transfer path; and the third resource transfer object corresponds to a resource hosting party.
8. A resource transfer system, characterized in that the system comprises a first server and a second server, the first server comprising the resource transfer device of claim 7.
9. An electronic device comprising a processor and a memory, wherein the memory stores at least one instruction, at least one program, a set of codes, or a set of instructions, the at least one instruction, the at least one program, the set of codes, or the set of instructions being loaded and executed by the processor to implement the resource transfer method of any one of claims 1-6.
10. A computer readable storage medium having stored therein at least one instruction, at least one program, code set, or instruction set, the at least one instruction, the at least one program, the code set, or instruction set being loaded and executed by a processor to implement the resource transfer method of any of claims 1-6.
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| WO2018035729A1 (en) * | 2016-08-24 | 2018-03-01 | 北京小米移动软件有限公司 | Resource transfer method and device |
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| CN104616138A (en) * | 2014-07-31 | 2015-05-13 | 腾讯科技（深圳）有限公司 | Resource transferring method, system and device |
| CN108876497A (en) * | 2017-05-11 | 2018-11-23 | 腾讯科技（深圳）有限公司 | Resource transfers method, apparatus and third-party server |
| CN109285069A (en) * | 2017-07-19 | 2019-01-29 | 腾讯科技（深圳）有限公司 | Resource transfers method, apparatus and server |
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