CN111401873A

CN111401873A - Task creation method and device, storage medium and electronic equipment

Info

Publication number: CN111401873A
Application number: CN202010187223.9A
Authority: CN
Inventors: 黄丽圆; 李郁; 成立; 汪子珍; 杨丽燕; 乔莎莎; 詹晶; 胡利; 凌竞男; 黄谋华
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-03-17
Filing date: 2020-03-17
Publication date: 2020-07-10

Abstract

The embodiment of the application discloses a task creating method, a task creating device, a storage medium and electronic equipment, wherein the method comprises the following steps: the method comprises the steps of displaying a virtual resource transfer task creation interface, wherein the virtual resource transfer task creation interface comprises a task editing control of a virtual resource transfer task, acquiring a first virtual resource account needing to create the virtual resource transfer task and first basic information needed by the virtual resource transfer task creation based on editing operation aiming at the task editing control, and creating the virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when at least one second virtual resource account exists and all the second virtual resource accounts do not have the virtual resource transfer task, wherein the second virtual resource account and the first virtual resource account share the same virtual resource transceiving account. The scheme can improve the accuracy of virtual resource transfer.

Description

Task creation method and device, storage medium and electronic equipment

Technical Field

The application relates to the technical field of computers, in particular to a task creating method, a task creating device, a task creating storage medium and electronic equipment.

Background

The credit card is a credit certificate issued by a bank or a credit card company to a consumer with qualified credit, the consumer with the credit card can go to a special commercial service department for shopping or consumption, and the bank settles accounts with a merchant and a cardholder, and the cardholder can overdraft in a specified amount. Nowadays, the consumption of credit card is a popular consumption mode, and the card holder does not need to pay cash when holding the credit card for consumption, and only needs to pay before the latest payment date to enjoy interest-free consumption. However, in practical application, the automatic payment of the credit card is low in accuracy.

Disclosure of Invention

The embodiment of the application provides a task creating method and device, a storage medium and electronic equipment, and the scheme can improve the accuracy of virtual resource transfer.

The embodiment of the application provides a task creating method, which comprises the following steps:

displaying a virtual resource transfer task creation interface, wherein the virtual resource transfer task creation interface comprises a task editing control of a virtual resource transfer task;

acquiring a first virtual resource account needing to create a virtual resource transfer task and first basic information needed by the creation of the virtual resource transfer task based on the editing operation aiming at the task editing control;

and when at least one second virtual resource account exists and all the second virtual resource accounts do not have virtual resource transfer tasks, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information, wherein the second virtual resource account and the first virtual resource account share the same virtual resource transceiving account.

Correspondingly, an embodiment of the present application further provides a task creating device, including:

the display module is used for displaying a virtual resource transfer task creation interface, and the virtual resource transfer task creation interface comprises a task editing control of a virtual resource transfer task;

the acquisition module is used for acquiring a first virtual resource account number of a virtual resource transfer task to be created and first basic information required by the virtual resource transfer task to be created based on the editing operation aiming at the task editing control;

and the creating module is used for creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when at least one second virtual resource account does not exist and all the second virtual resource accounts do not have virtual resource transfer tasks, wherein the second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account.

Optionally, in some embodiments, the task creating apparatus may further include a first creating module, as follows:

the first creating module is used for forbidding to create the virtual resource transfer task when at least one second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account and the second virtual resource account has the virtual resource transfer task.

Optionally, in some embodiments, the task creating apparatus may further include a second creating module, as follows:

and the second creating module is used for creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when at least one second virtual resource account does not share the same virtual resource transceiving account with the first virtual resource account.

Optionally, in some embodiments, the creating module may include a number obtaining sub-module, an obtaining sub-module, a determining sub-module, and a creating sub-module, as follows:

the quantity obtaining submodule is used for obtaining the quantity of virtual resource accounts subordinate to the user in the virtual resource interaction mechanism;

the obtaining sub-module is used for obtaining at least one second virtual resource account belonging to the same user as the first virtual resource account and second basic information corresponding to the second virtual resource account when the number of the virtual resource accounts meets a preset account number condition;

the determining submodule is used for determining that at least one second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account when second basic information corresponding to the at least one second virtual resource account is the same as the first basic information;

and the creating sub-module is used for creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when all the second virtual resource accounts do not have the virtual resource transfer task.

At this time, the creating sub-module may be specifically configured to obtain task information corresponding to each second virtual resource account, and create a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when it is determined that no virtual resource transfer task exists for all the second virtual resource accounts based on the task information.

Optionally, in some embodiments, the task creating apparatus may further include a determining module, a resource obtaining module, and a transferring module, as follows:

the determining module is used for determining resource transfer time and a resource issuing account number based on the virtual resource transfer task;

the resource acquisition module is used for acquiring virtual resources to be transferred from the resource issuing account at the resource transfer time;

and the transfer module is used for transferring the virtual resources to the first virtual resource account.

At this time, the determining module may be specifically configured to determine a preset resource statistics time based on the current time and a preset time interval, determine a resource statistics time based on the virtual resource transfer task, and determine a resource transfer time and a resource allocation account based on the virtual resource transfer task when the resource statistics time is the same as the preset resource statistics time.

At this time, the resource obtaining module may be specifically configured to determine a resource transfer number based on the virtual resource transfer task, obtain, at the resource transfer time, the current resource transfer number corresponding to the first virtual resource account when the resource transfer number meets a virtual resource transfer condition, and obtain the virtual resources of the current resource transfer number from the resource allocation account.

In addition, a computer storage medium is provided in an embodiment of the present application, where multiple instructions are stored in the computer storage medium, and the instructions are suitable for being loaded by a processor to perform steps in any one of the task creation methods provided in the embodiment of the present application.

In addition, an electronic device is further provided in an embodiment of the present application, and includes a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the computer program to implement the steps in any one of the task creation methods provided in the embodiment of the present application.

The method and the device for creating the virtual resource transfer task can display a virtual resource transfer task creating interface, the virtual resource transfer task creating interface comprises a task editing control of a virtual resource transfer task, a first virtual resource account needing to create the virtual resource transfer task and first basic information needed by the virtual resource transfer task are obtained based on editing operation aiming at the task editing control, when at least one second virtual resource account exists and all the second virtual resource accounts do not have the virtual resource transfer task, the virtual resource transfer task corresponding to the first virtual resource account is created based on the first basic information, and the second virtual resource account and the first virtual resource account share the same virtual resource transceiving account. The scheme can improve the accuracy of virtual resource transfer.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a schematic diagram of a scenario of a task creation system provided in an embodiment of the present application;

FIG. 2 is a first flowchart of a task creation method provided by an embodiment of the present application;

FIG. 3 is a second flowchart of a task creation method provided by an embodiment of the present application;

FIG. 4 is a schematic diagram of a credit card payment interface provided by an embodiment of the present application;

FIG. 5 is a schematic diagram of a virtual resource transfer task creation interface provided in an embodiment of the present application;

FIG. 6 is a schematic diagram of a provisioning privacy-exempt payment interface provided by an embodiment of the present application;

FIG. 7 is a schematic diagram of an authentication interface provided by an embodiment of the present application;

FIG. 8 is a schematic diagram of an interface for prompting successful activation provided in an embodiment of the present application;

FIG. 9 is a third flowchart of a task creation method provided by an embodiment of the present application;

FIG. 10 is a fourth flowchart of a task creation method provided by an embodiment of the present application;

FIG. 11 is a fifth flowchart of a task creation method provided by an embodiment of the present application;

fig. 12 is a sixth flowchart of a task creating method provided in an embodiment of the present application;

FIG. 13 is a schematic structural diagram of a task creation apparatus provided in an embodiment of the present application;

fig. 14 is a schematic structural diagram of an electronic device provided in an embodiment of the present application;

FIG. 15 is a block chain system structure diagram of a distributed system according to an embodiment of the present disclosure;

fig. 16 is a schematic diagram of a block structure according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the application provides a task creating method and device, a storage medium and electronic equipment. Specifically, the task creation method according to the embodiment of the present application may be executed by an electronic device, where the electronic device may be a terminal or a server, and the terminal may be a mobile phone, a tablet Computer, a notebook Computer, a smart television, a wearable smart device, a Personal Computer (PC), and other devices. The terminal may include a client, which may be a video client or a browser client, and the server may be a single server or a server cluster formed by multiple servers.

For example, referring to fig. 1, in an example where the task creating method is executed by an electronic device, the electronic device may display a virtual resource transfer task creating interface, where the virtual resource transfer task creating interface includes a task editing control of a virtual resource transfer task, and based on an editing operation for the task editing control, obtain a first virtual resource account that needs to create the virtual resource transfer task and first basic information that is needed to create the virtual resource transfer task, and when at least one second virtual resource account exists and all the second virtual resource accounts do not have the virtual resource transfer task, create a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information, where the second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account.

The following are detailed below. It should be noted that the following description of the embodiments is not intended to limit the preferred order of the embodiments.

The embodiment of the application provides a task creating method, which can be executed by a terminal or a server, or can be executed by the terminal and the server together; in the embodiment of the present application, a task creating method is described as an example executed by a terminal, and as shown in fig. 2, a specific flow of the task creating method may be as follows:

201. and displaying a virtual resource transfer task creation interface.

The virtual resource is an information resource edited by using a database and a program in the internet, for example, the virtual resource may be a book resource in an online library, a commodity resource in an online shopping mall, electronic money, and the like. The embodiment of the application mainly takes the example that the virtual resource is electronic money, and explains the task creating method.

The electronic money can be exchanged from the electronic money issuer by cash or deposit, and data representing the corresponding amount of the cash or deposit can be obtained while exchanging the electronic money. And the balance in the bank can be transferred and traded in an electronic way by using quick payment services released by the bank and a third party. The electronic money not only can be used for direct consumption settlement and cash transfer replacement, but also has the function of consumption loan, namely, a user can use the money in advance by means of loan to a bank.

The virtual resource transfer may represent a transfer process of a virtual resource, for example, when the virtual resource refers to electronic money, transferring the electronic money from a deduction account to a credit card that needs to be paid is a virtual resource transfer process.

The virtual resource transfer task creation interface can be displayed to a user, and a virtual resource transfer task is created according to editing operation of the user, and the virtual resource transfer task creation interface can comprise a task editing control related to the virtual resource transfer task. For example, as shown in fig. 5, the virtual resource transfer task creation interface includes a prompt word of "automatic payment plan" to prompt the user that the interface is an interface for creating a virtual resource transfer task, where the virtual resource transfer task may also be referred to as a payment plan. The virtual resource transfer task creation interface comprises a plurality of task editing controls: the user can click on the area corresponding to each task editing control so as to edit the information targeted by the task editing control, for example, the user can edit the repayment time as "1 day before the due repayment date per month", the fund source as "a application privacy-free payment", the repayment amount as "all amount", and the like.

In an embodiment, the virtual resource transfer task creation interface may further include a "click to open" button, and when the user clicks the "click to open" button, an opening process of the automatic payment plan may be performed according to information that the user has edited. The virtual resource transfer task creation interface can be displayed on the terminal interface as a single page as a whole, and can also occupy part of the terminal interface in a popup window mode for display.

In one embodiment, the user can set various basic information related to the virtual resource transfer task based on the virtual resource transfer task creation interface, and the system can perform automatic payment once or monthly according to the setting of the user. For example, the user may set basic information such as a credit card, a frequency, a repayment date, a repayment amount, a preferred deduction account number, and the like based on the virtual resource transfer task creation interface, for example, the user may set which credit card needs to be repayed, whether the repayment operation is repeatedly executed every month or a single repayment operation, whether the repayment is executed in full amount or according to the lowest refunded amount, and which payment account number is preferentially used for deduction when the repayment is executed, and the like.

In practical applications, for example, when a user uses a terminal to perform a credit card payment, a credit card payment interface as shown in fig. 4 may be displayed, and the credit card payment interface may include information on which credit card the user is performing the payment operation, the payment amount, the remaining amount to be paid, the total amount of the bill, the minimum amount to be paid, and the like, and based on the information, the payment operation may be completed. And the credit card repayment interface can also comprise an 'opening automatic repayment' button, when the user clicks the 'opening automatic repayment' button, an opening automatic repayment request can be triggered, and the terminal can display a virtual resource transfer task creation interface as shown in fig. 5 according to the opening automatic repayment request.

202. Based on the editing operation aiming at the task editing control, a first virtual resource account needing to create the virtual resource transfer task and first basic information needed by the virtual resource transfer task are obtained.

For example, the first virtual resource account in the embodiment of the present application may refer to a credit card account, where the credit card is a credit certificate issued by a commercial bank or a credit card company to a consumer whose credit is qualified. The consumer with credit card can go to special business service department to shop or consume, and then the bank can settle accounts with the merchant and the cardholder, and the cardholder can overdraft the credit in the stipulated limit.

The basic information may be information related to virtual resource transfer during the process of creating a virtual resource transfer task by a user. For example, when the user performs a credit card payment service, the virtual resource account may refer to a credit card account, the first basic information may include a payment amount, an invoice date, a last payment date, a deduction mode, and the like, and according to the virtual resource account and the basic information, information such as how much money the user needs to pay for which credit card at what time can be known.

In practical applications, for example, when the user clicks an "open automatic payment" button in the credit card payment interface, the open automatic payment request is triggered, and a virtual resource transfer task creation interface as shown in fig. 5 is displayed on the terminal. At this time, the user can click on the area corresponding to each task editing control, the terminal can display the option corresponding to the corresponding task editing control, and the user can select the option to edit the information, for example, the user can edit that the repayment time is "1 day before the due repayment date per month", the fund source is "a application secret payment exempted", the repayment amount is "all amount", at this time, the first virtual resource account is "a bank", the repayment amount in the virtual resource transfer basic information is "all amount", the final repayment date is "1 day before the due repayment date per month", and the deduction mode is "a application secret payment exempted". In one embodiment, the task editing control can also be displayed in the form of input boxes, and the user can input information into the input boxes to edit the information, and the like.

After the user finishes editing information on the virtual resource transfer task creation interface, the user can click a click opening button on the virtual resource transfer task creation interface to trigger an opening request, the terminal can display an opening password-free payment interface shown in fig. 6 according to the opening request, corresponding information of credit card repayment can be displayed on the opening password-free payment interface, and if the user account is ' bank a (xxxx) ', package contents are ' payment repayment is carried out through application a on a due repayment date every month according to an automatic repayment plan, and the repayment is carried out until a specified credit card is repayed. And the user can also select a fee deduction mode on the open password-free payment interface. After confirming that the information is correct, the user can click the 'open secret payment-free' button on the open secret payment-free interface, and then the application secret payment-free signing process A is entered. Then the terminal can correspondingly display the identity verification interface as shown in fig. 7, the automatic payment function can be activated when the user successfully verifies the identity, and the terminal can display the prompt interface for successful activation as shown in fig. 8.

203. And when at least one second virtual resource account exists and all the second virtual resource accounts do not have virtual resource transfer tasks, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information, wherein the second virtual resource account and the first virtual resource account share the same virtual resource transceiving account.

The embodiment of the application can divide the bank into two types: shared and unshared bill banks. The shared bill bank may also be called an account bank, which means that a cardholder holds multiple credit cards in the same bank, and in the accounting system of the bank, the multiple credit cards correspond to only the same consumption credit account number, that is, the user uses the credit line in the same consumption credit account number when the multiple credit cards are consumed. When the bank sends a credit card consumption bill to the cardholder, a plurality of credit cards correspond to the same bill. If the bank is a shared bill bank, the bills corresponding to the multiple credit cards held by the cardholder in the bank are shared bills, the account numbers corresponding to the multiple credit cards are shared account numbers, at this time, the bill days, repayment days and repayment amounts of the bills corresponding to the multiple credit cards are the same, and the cardholder only needs to repay one of the credit cards when paying the credit cards.

The non-shared bill bank means that a cardholder holds a plurality of credit cards in the same bank, and when the credit cards are used for swiping and consuming the credit cards respectively, a credit card bill can be generated on the corresponding bill day of each credit card according to the consumption record of the credit card. Generally, different credit cards generally have different information such as a bill date, a last payment date, and a payment amount, and different credit cards generally have different consumptions, so that credit card bills generated on the bill date by the different credit cards are different. The user needs to pay for a plurality of credit cards respectively, and the fund paid to the A credit card cannot pay back the credit card bill of the B credit card.

However, if the user holds a plurality of credit cards in the shared bill bank, an automatic payment plan is set for each of the plurality of credit cards, but if the system does not support the judgment and verification of the shared bill, the system initiates a credit card payment to all the credit cards for which the automatic payment plan has been set on the payment date according to the payment amount, so as to repay the credit card bill. In addition, for the shared bill bank, when the credit card is paid, the user only needs to pay one of the credit cards, so that the user can pay the credit card repeatedly and generate the overflowed payment.

The overflowed payment refers to the funds which are paid by the credit card holder more or the funds stored in the credit card account. Usually, the user can directly consume or take out the overflowed payment, but some banks need to collect a certain amount of handling fee for taking out the overflowed payment.

For example, a user holds a credit card a, a credit card B, and a credit card C in a shared bill bank a, and the user sets an automatic payment plan for each credit card, so on the payment day, the system will pay for the credit cards a, B, and C, respectively, and in fact, the user only needs to pay for one credit card, and then a repeated payment situation is generated, and an overflowed payment is generated.

Therefore, in order to avoid the problem of repeated payment, whether the virtual resource transfer task can be created or not can be controlled, and when the condition is unqualified, the virtual resource transfer task is forbidden to be created, so that the problem of repeated payment is fundamentally solved. For example, a bank where the first virtual resource account is located and a subordinate user may be queried, when the first virtual resource account is located in the bank, the user also holds at least one second virtual resource account, and the second virtual resource account shares the same virtual resource transceiving account (i.e., a consumption credit account) with the first virtual resource account, it may be queried whether the second virtual resource accounts have already created virtual resource transfer tasks, and if all the second virtual resource accounts do not have virtual resource transfer tasks, the virtual resource transfer tasks corresponding to the first virtual resource account may be created based on the first basic information.

For example, if the first virtual resource account is a credit card account a, the virtual resource interaction mechanism corresponding to the credit card a is a bank a, and at least one second virtual resource account exists in the bank a: the method comprises the steps that B credit card account numbers and C credit card account numbers, wherein the A credit card account numbers, the B credit card account numbers and the C credit card account numbers belong to a user A, and the A credit card account numbers, the B credit card account numbers and the C credit card account numbers share the same consumption credit account number, so that the A credit card account numbers, the B credit card account numbers and the C credit card account numbers can be determined to be shared account numbers, and at the moment, if the B credit card account numbers and the C credit card account numbers do not have virtual resource transfer tasks, virtual resource transfer tasks corresponding to the A credit card account numbers can be established based on first basic information.

In one embodiment, step S203 may be divided into multiple parts for explanation in order to clearly describe step S203.

1. And judging whether the first virtual resource account is a shared account.

Specifically, in order to avoid the problem of repeated repayment, once a user is detected to have a plurality of credit cards in the same bank, whether the credit card bills are shared bills can be judged, and an appropriate flow is implemented according to a judgment result, so that the phenomenon that the repeated repayment generates excessive payment is avoided, and the accuracy of virtual resource transfer is improved. Specifically, the step "when at least one second virtual resource account exists and no virtual resource transfer task exists for all the second virtual resource accounts, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information" may include:

acquiring the number of virtual resource accounts subordinate to a user in a virtual resource interaction mechanism;

when the number of the virtual resource accounts meets a preset account number condition, acquiring at least one second virtual resource account belonging to the same user as the first virtual resource account and second basic information corresponding to the second virtual resource account;

when second basic information corresponding to the at least one second virtual resource account is the same as the first basic information, determining that the at least one second virtual resource account and the first virtual resource account share the same virtual resource transceiving account;

and when all the second virtual resource accounts do not have virtual resource transfer tasks, creating the virtual resource transfer tasks corresponding to the first virtual resource accounts based on the first basic information.

In practical applications, since the billing date, the repayment date, and the repayment amount corresponding to the multiple shared bills are generally the same, it can be determined whether the first virtual resource account is the shared account according to such characteristics.

For example, the first virtual resource account may be an a credit card account, and the virtual resource interaction mechanism corresponding to the a credit card account is an a bank. The method comprises the steps of obtaining the number of credit cards held by a user in a certain bank, and if the user holds the credit cards A, B and C at the same time in the bank A, the number of virtual resource account numbers is 3, wherein the condition that the number of the virtual resource account numbers is larger than 1 can be preset, the condition that the number of the preset account numbers is met, and the condition that the number of the preset account numbers is not met when the number of the virtual resource account numbers is not larger than 1. Obviously, if the condition of the number of the preset account is met, then the basic information corresponding to the three credit cards can be respectively obtained, and the basic information includes an account list day, a repayment day and a repayment amount. At this time, the bill date, the repayment date and the repayment amount corresponding to the three credit cards can be compared, and if the bill date, the repayment date and the repayment amount corresponding to the three credit cards are the same, the account number of the credit card A can be determined to be the shared account number. At this time, if the virtual resource transfer task does not exist in the credit card account B and the credit card account C, the virtual resource transfer task corresponding to the credit card account a may be created based on the first basic information.

In an embodiment, whether a bank is a shared bill bank or not is determined by the setting of the accounting system of the bank, and the modification of the bank accounting system is difficult, so whether a bank is a shared bill bank or not is determined and does not change in a short period of time, and when it is required to determine whether the first virtual resource account is a shared account, a method of directly confirming to the bank can be further adopted, so as to complete confirmation and configuration of the shared bill bank.

The virtual resource transfer task creating method comprises the steps of judging whether a plurality of credit cards held by a user in the same bank are shared bills or not, and executing different virtual resource transfer task creating mechanisms according to different judging results, so that the accuracy of virtual resource transfer under different conditions is guaranteed, the risk points of the service are effectively controlled, and the fund safety of the user is guaranteed.

2. And acquiring task information corresponding to the second virtual resource account.

The virtual resource transfer task is a task created according to information related to virtual resource transfer preset by a user, for example, the virtual resource transfer task may be a payment task for paying a specified amount of money to a specified credit card at a specified time.

The task information refers to information of whether each credit card has already created a virtual resource transfer task, for example, if a credit card a has already created a virtual resource transfer task, the task information of the credit card a is that the credit card a has the created virtual resource transfer task; if the created virtual resource transfer task does not exist in the A credit card, the task information of the A credit card is that the created virtual resource transfer task does not exist in the A credit card.

The system executes the virtual resource transfer operation according to the created virtual resource transfer tasks, so that a plurality of virtual resource transfer tasks can be stored in the virtual resource transfer set, and it is required to ensure that no repeated virtual resource transfer tasks exist in the virtual resource transfer task set, for example, a user holds a credit card a, a credit card B, and a credit card C in a shared bill bank a, at this time, if the user establishes the virtual resource transfer tasks for the credit card a, the credit card B, and the credit card C, the virtual resource transfer task set includes three virtual resource transfer tasks, and three payments are correspondingly made during payment, so that repeated payment is made.

Therefore, the embodiment of the application can avoid repeated repayment by controlling the creation of the virtual resource transfer task, that is, if the credit card a, the credit card B and the credit card C held by the user share the same consumption credit account number and the user has created the virtual resource transfer task for the credit card a, the credit card B and the credit card C cannot successfully create the virtual resource transfer task, so that it is ensured that only one virtual resource transfer task is included in the virtual resource transfer task set, and then the repayment can be performed only for one credit card during the repayment without generating the repeated repayment situation.

In practical applications, for example, if the first virtual resource account is an a credit card account and it is determined that the a credit card account is a shared account, it may be determined that a B credit card account and a C credit card account sharing a resource account with the a credit card account in an a bank corresponding to the a credit card account, and it may be determined whether a virtual resource transfer task may be created for the B credit card and the C credit card according to task information corresponding to the B credit card account and the C credit card account.

In an embodiment, specifically, the step "when all the second virtual resource accounts do not have a virtual resource transfer task, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information" may include:

acquiring task information corresponding to each second virtual resource account;

and when it is determined that all the second virtual resource accounts have no virtual resource transfer task based on the task information, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information.

In practical application, if the first virtual resource account is a shared account and all the second virtual resource accounts have no virtual resource transfer task, a virtual resource transfer task corresponding to the first virtual resource account can be created.

For example, if the first virtual resource account is a credit card account a, the credit card account a is a shared account, and the second virtual resource account is a credit card account B and a credit card account C. At this time, the virtual resource transfer task set can be inquired, and if the inquiry result shows that none of the credit cards A, B and C has established a good virtual resource transfer task, the virtual resource transfer task corresponding to the credit card account number A can be established according to the basic information corresponding to the credit card A. For another example, if it is found that the virtual resource transfer task has already been created for the credit card a, the virtual resource transfer task corresponding to the credit card account a cannot be created again.

In an embodiment, after the virtual resource transfer task is successfully created, the virtual resource transfer task set may be further updated according to the virtual resource transfer task, and the field content of the virtual resource transfer task set includes, but is not limited to, the following fields: virtual resource transfer task number, user account ID, credit card number, credit card billing date, automated repayment execution time, repayment amount type, and the like.

The virtual resource transfer task number refers to a code corresponding to each virtual resource transfer task, and one virtual resource transfer task corresponds to one virtual resource transfer task number, so that uniqueness is achieved.

The user account ID refers to a user ID to which the virtual resource transfer task belongs, and is an account generated after the user registers in the credit card payment service.

The credit card number refers to a credit card to which the virtual resource transfer task needs to pay, and can be stored in an encrypted form in order to guarantee information security of the user.

The credit card billing date refers to the date when the bank gives the credit card bill according to the credit card consumption record of the cardholder every month, and the latest bill and the bill debt of the credit card in the current period can be acquired on the billing date.

The automatic repayment execution time refers to the time for executing the virtual resource transfer task for the user in the month or each month.

The repayment amount type refers to whether the repayment needs to be carried out according to the residual refund amount in the credit card bill or according to the minimum refund amount.

3. Other situations.

In an embodiment, if the first virtual resource account is a shared account, but not all the second virtual resource accounts have a virtual resource transfer task, the virtual resource transfer task cannot be created. Specifically, the task creating method may further include:

and when at least one second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account and a virtual resource transfer task exists in the second virtual resource account, forbidding to create the virtual resource transfer task.

In practical applications, for example, if the first virtual resource account is an a credit card account, the a credit card account is a shared account, and the second virtual resource account is a B credit card account and a C credit card account. At this time, the virtual resource transfer task set can be inquired, and if the inquiry shows that the credit card A does not have a created virtual resource transfer task, but the credit cards B and C have created virtual resource transfer tasks, the virtual resource transfer task corresponding to the account number of the credit card A cannot be created, so that the situation of repeated payment is avoided.

In an embodiment, when the virtual resource transfer task is unsuccessfully created, a prompt may be given to the user on the terminal interface, for example, a word such as "open automatic payment failure" may be displayed on the terminal interface, so that the user knows that the current task is unsuccessfully created.

In one embodiment, multiple credit card accounts held by the user at the same bank may not be shared accounts. Specifically, the task creating method may further include:

and when at least one second virtual resource account does not share the same virtual resource transceiving account with the first virtual resource account, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information.

In practical applications, for example, the first virtual resource account may be an a credit card account, and the virtual resource interaction mechanism corresponding to the a credit card account is an a bank. When the user binds the credit card A, the credit card B and the credit card C in the bank A, the basic information corresponding to the three credit cards can be respectively obtained, and the bill date, the repayment date and the repayment amount corresponding to the three credit cards are respectively compared. If the bill date, the repayment date and the repayment amount corresponding to the three credit cards are not identical, the account number of the credit card A can be determined to be a non-shared account number.

The term "not identical" as used herein means that any one of the billing date, payment date and payment amount of the three credit cards is different. For example, the a credit card account number may be determined to be a non-shared account number as long as the billing date of the a credit card is found to be different from the billing date of the B credit card.

Because a plurality of credit cards in the non-shared bill bank are independent, that is, each credit card corresponds to a respective virtual resource transfer task, when it is determined that the first virtual resource account is a non-shared account, the virtual resource transfer task corresponding to the first virtual resource account can be created according to the obtained first basic information, the virtual resource to be transferred is determined based on the virtual resource transfer task, and then the virtual resource is transferred to the first virtual resource account.

In an embodiment, if the user only has one credit card account, which is the first virtual resource account, in the bank, the virtual resource transfer task can be created directly according to the acquired basic information. Specifically, the task creating method may further include:

when a user corresponding to the first virtual resource account holds one virtual resource account in a virtual resource interaction mechanism, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information;

and determining the virtual resources needing to be transferred based on the virtual resource transfer task, and transferring the virtual resources to the first virtual resource account.

In an embodiment, for example, if the user only has an account number of a credit card in a bank a, no matter whether the bank a is a shared bill bank or a non-shared bill bank, the virtual resource transfer task created by the credit card a is not affected, the system may create the virtual resource transfer task corresponding to the first virtual resource account according to the obtained first basic information, determine the virtual resource to be transferred based on the virtual resource transfer task, and then transfer the virtual resource to the first virtual resource account.

In one embodiment, for example, whether the a bank corresponding to the a credit card is a shared bill bank or a non-shared bill bank, as long as it is detected that the a credit card has the created virtual resource transfer task, the virtual resource transfer task corresponding to the a credit card cannot be repeatedly created.

In an embodiment, for cross-service virtual resource transfer, if the virtual resource transfer task has no centralized management capability, the system only manages and executes the virtual resource transfer task set by the user in the reservation and repayment function, and if the user also sets the virtual resource transfer task in other services of the same credit card, the reservation and repayment function cannot sense, manage or make corresponding measures on the other virtual resource transfer tasks, so that the user may set the virtual resource transfer task repeatedly on the same credit card in multiple services or multiple functions, and the repayment day repeatedly executes the virtual resource transfer task, which causes the credit card to generate payment overflow.

In practical application, in order to avoid repeated repayment caused by a plurality of virtual resource transfer tasks and the condition that the user credit card generates excessive payment, the virtual resource transfer tasks corresponding to the automatic repayment function can be managed in a centralized manner, that is, the virtual resource transfer tasks with different functions are uniformly stored in the virtual resource transfer task set, and the channel numbers are used for distinguishing the virtual resource transfer tasks with different functions.

Wherein the centralized management may comprise the step of creating a virtual resource transfer task. For example, before creating the virtual resource transfer task for the a credit card, the virtual resource transfer task set may be queried, whether the a credit card has the virtual resource transfer task already, and whether the a bank where the a credit card is located is a shared bill bank, and then it is determined whether the a credit card can create the virtual resource transfer task.

The centralized management may further include a step of executing a virtual resource transfer task. For example, when the virtual resource transfer task is executed, whether a credit card has an effective virtual resource transfer task in the channel can be determined by querying the virtual resource transfer task set, and then repayment is performed according to the virtual resource transfer task. The channels can be two types, namely a currency fund channel and a payment account channel, and the channel numbers corresponding to the two types of channels are different, for example, the channel number of the currency fund channel can be set to be 9, the channel number of the payment account channel is set to be 18, the currency fund purchased by the user can be paid back to the user in the currency fund channel, and the payment can be carried out through a bank card or change bound by the user in the payment account channel.

In an embodiment, to increase the flexibility of the task creation method, the centralized management may further include a step of terminating the virtual resource transfer task. As shown in fig. 12, when the user needs to terminate the virtual resource transfer task, the state of the virtual resource transfer task may be updated in the virtual resource transfer task set, and the credit card after terminating the task may set the virtual resource transfer task again in the local business or other channels.

4. And repayment is carried out on the first virtual resource account.

In practical application, for example, after the virtual resource transfer task is created, the virtual resource to be transferred can be determined according to the information carried in the virtual resource transfer task, and the virtual resource is transferred to the first virtual resource account, so that the payment of the user for the credit card is completed.

In an embodiment, specifically, the task creating method may further include:

determining resource transfer time and a resource issuing account number based on the virtual resource transfer task;

acquiring virtual resources to be transferred from the resource issuing account at the resource transfer time;

and transferring the virtual resource to the first virtual resource account.

In practical application, for example, according to the virtual resource transfer task, the resource transfer time (i.e., the repayment date) and the resource issuing account (i.e., the deduction account) can be determined, then the corresponding repayment amount can be deducted from the deduction account on the repayment date, and the repayment amount is transferred to the credit card account, so as to complete repayment.

In the credit card payment mechanism, there are two dates, namely an invoice date and a final payment date. The bill date refers to the date that the credit card issuing bank regularly collects and settles various transactions, fees and the like generated in the accounting period of the cardholder every month, calculates the total arrears and the minimum payback amount of the current bill, and sends the bill to the cardholder, wherein the date of sending the bill is the bill date of the credit card. The cardholder's billing date is usually fixed and some banks support revisions.

The last repayment date refers to the last date that the credit card issuing bank and the cardholder agree to pay the accounts payable of the current bill, if the bank which does not pay the account fully will receive the interest of the cardholder, if the repayment amount does not reach the minimum amount payable, the credit will be overdue.

In one embodiment, daily, the system will obtain the latest credit card bill of the credit card in the month by running the credit card two days before the current date and requesting the credit card bill inquiry service of the bank party, wherein the credit card bill may include the total amount of debt of the bill, the remaining amount to be refunded, the lowest amount to be refunded, and the last repayment date of the current bill, etc. Specifically, the step "determining the resource transfer time and the resource issuance account based on the virtual resource transfer task" may include:

determining preset resource statistical time based on the current time and a preset time interval;

determining a resource statistic time based on the virtual resource transfer task;

and when the resource counting time is the same as the preset resource counting time, determining the resource transferring time and the resource issuing account number based on the virtual resource transferring task.

Because the bill charge-out time effectiveness and the charge-out capacity of each bank credit card are different, some banks can inquire the bill on the same day and have results, and some banks can delay a certain time, so that a strategy for uniformly inquiring two days after the bill charge-out date of the bank can be formulated, and the latest bill can be normally acquired. In an embodiment, the preset time interval is not limited in the embodiment of the present application, and may also be adjusted according to an actual situation.

In practical application, for example, it may be determined that the current time is 3 months and 3 days, and the preset time interval is 2 days, so that the preset resource counting time is 3 months and 1 day, and the system may query and acquire a credit card bill with an account date of 3 months and 1 day, and acquire information such as resource transfer time, a resource issuing account number, and the like.

In one embodiment, after a credit card bill is acquired, the following three situations may occur:

1. the bill in this period has no arrearage: namely, the user credit card does not consume or arrear the money in the monthly bill period, and the automatic payment plan does not need to be executed in the month.

2. The bill in this period has arrears: that is, the user has arrears in the monthly bill period of the credit card, and the arrears of the bill need to be settled before the final repayment date of the bill.

3. And (3) not obtaining a bill: the latest credit card bill is not acquired temporarily due to reasons of a bank system, network abnormality and the like, and the system can set the credit card with the bill not updated to be inquired repeatedly until the latest bill is inquired.

In one embodiment, the mechanism for payment after the credit card bill for different situations is also different. Specifically, the step "acquiring the virtual resource to be transferred from the resource issuance account at the resource transfer time" may include:

determining a resource transfer number based on the virtual resource transfer task;

when the resource transfer quantity meets a virtual resource transfer condition, acquiring the current resource transfer quantity corresponding to the first virtual resource account at the resource transfer time;

and acquiring the virtual resources of the current resource transfer quantity from the resource issuing account.

When the credit card bill has no arrears, the step of repayment is not needed, so that the resource transfer quantity can meet the virtual resource transfer condition if the bill has arrears, and at the moment, the step of repayment is needed to be continued; if the bill is not owed, the resource transfer quantity does not meet the virtual resource transfer condition, and at the moment, the step of repayment is not needed to be carried out continuously.

For example, as shown in fig. 9, if the current bill is not owed, the current bill does not need to be paid, and the virtual resource transfer task in the current month does not need to be executed; if the bill is in arrears in the period, the process of obtaining the credit card bill is executed again on the current day of executing the virtual resource transfer task, the real-time residual amount or the minimum amount to be returned corresponding to the credit card bill is obtained, and the user needs to pay back the amount of funds when the payment day is up. The method can also be used for comparing the bill acquired on the repayment date with the bill acquired before, comparing whether the information such as the repayment amount and the repayment date of the bill and the bill acquired before are consistent, if so, indicating that the bill is a valid bill, and updating the current arrearage condition according to the credit card bill, so as to judge whether the virtual resource transfer task in the month needs to be executed and the repayment amount which needs to be executed specifically.

In an embodiment, for example, as shown in fig. 10, if the current date is 3 months and 3 days, the transaction bill batching service may be invoked to perform the transaction bill query batching, and filter the virtual resource transfer task with the bill production date of 3 months and 1 days. Then, the inquiry is carried out in the virtual resource transfer task set, and the credit card number for executing the bill inquiry is returned. And calling a bank credit card bill to query a CGI (common gateway interface), querying to obtain the bill information of the credit card in the current period, and updating information such as the repayment date, the arrearage amount of the bill and the like in the current period to a virtual resource transfer task set according to the queried bill.

If the credit card bill acquired on the bill day shows that the current bill is in arrears, the repayment plan needs to be executed continuously, as shown in fig. 11, the transaction account batch running service can be called on the repayment day, automatic repayment execution batch running is carried out, the virtual resource transfer task with the repayment day as the current day is screened out from the virtual resource transfer task set, and the credit card number for executing bill inquiry is returned. And calling a bank credit card bill to inquire the CGI, inquiring and returning the real-time bill debt of the credit card, if the bill debt is 0, indicating that the credit card bill has no debt, not executing the virtual resource transfer task, and updating the virtual resource transfer task set. And if the arrearage of the bill is more than 0, indicating that the credit card bill needs to be paid, deducting the preset preferential deduction account number, and returning a deduction result. And then updating the virtual resource transfer task set according to the task execution result.

By using the task creation method of the embodiment of the application and the processing method of the single-task single template, the successful deduction of one virtual resource transfer task in one repayment period is ensured. And aiming at the condition that a user holds a plurality of credit cards in the same bank, due to the particularity of the shared account, the task creating method can identify whether the credit card account is the shared account, so that the control of creating the virtual resource transferring task of the shared account is realized, the creation of the virtual resource transferring task which can generate repeated repayment is not allowed, the problem of overfeeding caused by repeated repayment can be avoided, and the accuracy of virtual resource transferring is improved. Aiming at the condition that a user sets virtual resource transfer information for the same credit card under a plurality of functions, the task creating method can utilize the virtual resource transfer task set to carry out centralized management on all virtual resource transfer tasks, thereby solving the problem that excessive payment is generated on a plurality of repayment due to the fact that the user sets a repayment plan for the same credit card in a plurality of functions. With this task creation method, since it is possible to avoid repeated repayment by the user, the number and frequency of customer complaints can be reduced.

In an embodiment, the task creating method provided in the embodiment of the present application may be further applied to a task creating system, where the system may include a plurality of nodes, and the plurality of nodes are connected in a network communication manner and form a distributed system, where the node may be any form of electronic device accessing to a network, such as a server, a user terminal, and the like. Taking a distributed system as a blockchain system as an example, referring To fig. 15, fig. 15 is an optional structural schematic diagram of the distributed system 100 applied To the blockchain system provided in the embodiment of the present application, where the distributed system is formed by a plurality of nodes and clients, and the nodes form a Peer-To-Peer (P2P, Peer To Peer) network, where a P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP). In a distributed system, any electronic device, such as a server or a terminal, can join to become a node, and the node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

In this embodiment of the present application, operations such as storing, querying, and modifying data may be implemented by using a block chain, for example, after a virtual resource transfer task corresponding to a first virtual resource account is created based on first basic information, the virtual resource transfer task obtained after the creation is completed may be stored in the block chain. After the corresponding credit card is paid on the payment date, the information such as the credit card bill corresponding to the credit card at the moment can be stored in the block chain, and the credit card bill corresponding to the appointed credit card can be inquired by utilizing the block chain.

Referring to fig. 16, fig. 16 is a schematic diagram of a Block Structure (Block Structure) provided in this embodiment, each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and the blocks are connected by the hash values to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain) is essentially a decentralized database, which is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block.

As can be seen from the above, in the embodiment of the present application, a virtual resource transfer task creation interface may be displayed, where the virtual resource transfer task creation interface includes a task editing control of a virtual resource transfer task, and based on an editing operation for the task editing control, a first virtual resource account needing to create the virtual resource transfer task and first basic information needed to create the virtual resource transfer task are obtained, and when at least one second virtual resource account exists and all the second virtual resource accounts do not have the virtual resource transfer task, a virtual resource transfer task corresponding to the first virtual resource account is created based on the first basic information, where the second virtual resource account shares the same virtual resource transceiving account with the first virtual resource account. The scheme can realize automatic payment of the credit card of the user, the step of manual payment of the user is omitted, convenience is provided for the user, and meanwhile overdue risks can be avoided. By judging whether the credit card account number is a shared account number, the virtual resource transfer task is not repeatedly created in the same shared bill bank by the user, and repeated repayment is avoided; the virtual resource transfer tasks are managed in a centralized mode through the virtual resource transfer task set, and tasks with different functions are distinguished through channel numbers, so that the risk of repeated payment of credit cards of users can be reduced, and the rights and interests of the users are fully guaranteed.

According to the method described in the foregoing embodiment, the task creating device is specifically integrated in the electronic device, which will be described in further detail below.

Referring to fig. 3, a specific process of the task creating method according to the embodiment of the present application may be as follows:

301. a collection of payment plans is obtained.

In practical applications, for example, the present application may store a plurality of payment plans by using a payment plan set, wherein the contents of fields in the payment plan set include, but are not limited to, a virtual resource transfer task number, a user account ID, a credit card number, a credit card billing date, an automated payment execution time, a payment amount type, and the like.

302. And displaying an automatic repayment plan editing interface based on the opening automatic repayment request.

In practical applications, for example, when a user makes a credit card payment using the terminal, the terminal displays a credit card payment interface as shown in fig. 4, and the user can make a payment for the credit card at the credit card payment interface. And the credit card repayment interface also comprises an 'opening automatic repayment' button, when the user clicks the 'opening automatic repayment' button, an opening automatic repayment request can be triggered, and the terminal can display an automatic repayment plan editing interface as shown in figure 5 according to the opening automatic repayment request.

303. And determining a target credit card account number needing to be paid and target payment information based on the editing operation of the user on the automatic payment plan editing control.

In practical applications, for example, an automatic payment plan editing interface displayed by the terminal may include a plurality of automatic payment plan editing controls "payment time", "fund source", and "payment amount", and a user may click on an area corresponding to the automatic payment plan editing control, and the terminal may display an option corresponding to the corresponding control, and the user may select the option to edit the information, where the payment time may be edited by the user as "1 day before the payment due date every month", the fund source is "a secret payment exempted by application a", and the payment amount is "total amount".

In an embodiment, after the user finishes editing information on the automatic payment plan editing interface, the user may click a "click on" button on the interface to trigger an opening request, the terminal may display an open password-free payment interface as shown in fig. 6 according to the opening request, corresponding information for payment of the credit card may be displayed on the open password-free payment interface, and after the user confirms that the information is correct, the user may click on the "open password-free payment" button on the open password-free payment interface, that is, enter the application password-free payment process of a. Then the terminal can correspondingly display the identity verification interface as shown in fig. 7, the automatic payment function can be activated when the user successfully verifies the identity, and the terminal can display the prompt interface for successful activation as shown in fig. 8.

304. And when the target credit card does not have a valid repayment plan, the bank bound by the account number of the target credit card is a shared bill bank, and the credit card sharing the same consumption credit account number with the target credit card does not have a valid repayment plan, creating a repayment plan corresponding to the target credit card.

In practical applications, for example, after a user edits target repayment information corresponding to a target credit card account such as a credit card, a frequency, a repayment date, a repayment amount, a preferred deduction account, and the like, it may be determined whether the target credit card currently has an effective repayment plan, whether a bank bound to the target credit card account is a shared bill bank, whether a credit card sharing the same consumption credit account with the target credit card includes an effective repayment plan, and the like. When the determination result shows that the target credit card does not have an effective repayment plan, the bank bound by the account number of the target credit card is a shared bill bank, and the credit card sharing the same consumption credit account number with the target credit card does not have an effective repayment plan, the repayment plan corresponding to the target credit card can be created according to the target repayment information corresponding to the account number of the target credit card, and the repayment plan can be used for knowing the amount of money which credit card needs to be repayed by the user at what time.

In one embodiment, there may be multiple methods for determining whether a bank is a shared bill bank, for example, since whether a bank is a shared bill bank is determined by the setting of the accounting system of the bank, and the modification of the accounting system of the bank is difficult, and therefore, whether a bank is a shared bill bank is determined and will not change in a short period of time, when it is required to determine whether the first virtual resource account is a shared account, a method of directly confirming to the bank may be further adopted, so as to complete confirmation and configuration of the shared bill bank.

For another example, because the shared bill is characterized in that the bill days, repayment days and arrearage amounts of the transaction bills of the multiple credit cards in the same bank are all the same, the bills of the multiple credit cards bound by the user in the same bank can be obtained, the bill days, the repayment days and the arrearage amounts are compared, and if the three elements are the same, the multiple credit cards can be determined to be the shared bill; if not, the bill is not shared.

305. And stopping creating the repayment plan when the target credit card does not have a valid repayment plan, the bank to which the target credit card account number is bound is a shared bill bank, and the credit card sharing the same consumption credit account number with the target credit card comprises a valid repayment plan.

In practical applications, for example, when the determination result shows that the target credit card does not have a valid repayment plan, the bank bound to the account number of the target credit card is a shared bill bank, and the credit card sharing the same consumption credit account number with the target credit card includes a valid repayment plan, it is indicated that the existing repayment plan can already ensure that the user repays multiple credit cards of the shared bill bank, and if the repayment plan is created again, repeated repayment is caused, so that the creation of the repayment plan can be stopped at this time.

306. And when the target credit card does not have a valid repayment plan and the bank bound by the account number of the target credit card is an unshared bill bank, creating a repayment plan corresponding to the target credit card.

In practical applications, for example, when the determination result shows that the target credit card does not have a valid repayment plan, and the bank bound by the account number of the target credit card is an unshared bill bank, each credit card of the unshared bill bank corresponds to respective repayment information, so that the repayment plan corresponding to the target credit card can be created according to the target repayment information corresponding to the account number of the target credit card.

307. When the target credit card has a valid payment plan, the creation of the payment plan is stopped.

In practical applications, for example, when the determination result shows that the target credit card has a valid payment plan, it indicates that the payment plan is already included in the target credit card, and if the payment plan is created again, the payment is repeated, so that the creation of the payment plan may be stopped at this time.

308. And inquiring the credit card two days before the current date for the bill day to obtain the credit card bill of the current month of the credit card.

In practical applications, after the user creates a new payment plan, the collection of payment plans may be updated according to the newly created payment plan. Then, every day, the system will obtain the latest credit card bill of the credit card in the month by checking the credit card two days before the current day by running batch, and requesting the credit card bill inquiry service of the bank side, wherein the credit card bill can include the sum of debt of the bill, the remaining amount to be returned, the lowest amount to be returned, and the last return date of the bill in the current period, etc. For example, it may be determined that the current time is 3 months and 3 days, and the preset time interval is 2 days, then the preset resource counting time is 3 months and 1 day, and the system may query and obtain the credit card bill with the bill day of 3 months and 1 day.

In one embodiment, for example, if the latest credit card bill cannot be obtained temporarily due to a banking system or a network, the system may set the credit card with the bill not updated to be repeatedly queried and run the batch until the latest credit card bill is queried.

309. And if the credit card bill is not arreared in the month, stopping executing the repayment plan.

In practical applications, for example, if there is no debt on the monthly credit card bill, it indicates that the user has not consumed or debt in the monthly bill period of the credit card, and therefore the monthly automatic payment plan is not required to be executed, and the execution of the payment plan is stopped.

310. And if the credit card bill is in arrears in the month, acquiring the real-time residual charge or the minimum charge corresponding to the credit card bill on the payment date.

In practical applications, for example, if the monthly credit card bill has a arrear amount, which indicates that the user has a consumption or an arrear amount in the monthly bill period of the credit card, and therefore the monthly automatic repayment plan needs to be executed, the obtaining process of the credit card bill is executed again on the date of repayment, the real-time remaining due amount or the minimum due amount corresponding to the credit card bill is obtained, and the user needs to pay back the funds when the date of repayment is reached. And comparing the bill acquired on the repayment date with the bill acquired before, comparing whether the information of the repayment amount and the repayment date of the bill is consistent with the information of the repayment amount and the bill acquired before, if so, indicating that the bill is an effective bill, and acquiring the real-time residual amount or the minimum amount to be restored corresponding to the credit card bill at the moment.

311. And if the credit card bill is not cleared in the current month, executing a repayment plan.

In practical application, for example, according to a credit card bill acquired on a repayment date, whether a user repays in the current month or not and whether the user pays the arrears clearly can be known, and if the user pays the arrears clearly, a repayment plan does not need to be executed; and if the user does not pay the arrears clearly, automatically paying the credit card needing to be paid according to the credit card bill acquired on the payment date.

As can be seen from the above, in the embodiment of the present application, a repayment plan set may be obtained through an electronic device, an automatic repayment plan editing interface is displayed based on opening an automatic repayment request, a target credit card account number to be repayed and target repayment information corresponding to the target credit card account number are determined based on an editing operation of a user on an automatic repayment plan editing control, when the target credit card does not have a valid repayment plan, a bank bound to the target credit card account number is a shared bill bank, and a credit card sharing the same consumption credit account number with the target credit card does not have a valid repayment plan, a repayment plan corresponding to the target credit card is created, when the target credit card does not have a valid repayment plan, a bank bound to the target credit card account number is a shared bill bank, and a credit card sharing the same consumption account number with the target credit card includes a valid repayment plan, and stopping creating a repayment plan, when the target credit card does not have a valid repayment plan and the bank bound by the account number of the target credit card is a non-shared bill bank, creating the repayment plan corresponding to the target credit card, when the target credit card has a valid repayment plan, stopping creating the repayment plan, inquiring the credit card day two days before the current date to obtain the credit card bill of the current month of the credit card, if the credit card bill of the current month has no arrears, stopping executing the repayment plan, if the credit card bill of the current month has arrears, acquiring the real-time residual amount or the minimum amount to be refunded corresponding to the credit card bill of the repayment date, and if the credit card bill of the current month has no debarked, executing the repayment plan. The scheme can realize automatic payment of the credit card of the user, the step of manual payment of the user is omitted, convenience is provided for the user, and meanwhile overdue risks can be avoided. By judging whether the credit card account number is a shared account number, the virtual resource transfer task is not repeatedly created in the same shared bill bank by the user, and repeated repayment is avoided; the virtual resource transfer tasks are managed in a centralized mode through the virtual resource transfer task set, and tasks with different functions are distinguished through channel numbers, so that the risk of repeated payment of credit cards of users can be reduced, and the rights and interests of the users are fully guaranteed.

In order to better implement the above method, accordingly, the present application further provides a task creating device, which may be integrated in an electronic device, and the task creating device may be a computer program (including program code) running in the electronic device, for example, the task creating device is an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application. Referring to fig. 13, the task creating apparatus includes a display module 131, an acquisition module 132, and a creating module 133, as follows:

the display module 131 is configured to display a virtual resource transfer task creation interface, where the virtual resource transfer task creation interface includes a task editing control of a virtual resource transfer task;

an obtaining module 132, configured to obtain, based on an editing operation for the task editing control, a first virtual resource account that needs to create a virtual resource transfer task and first basic information that is needed to create the virtual resource transfer task;

the creating module 133 is configured to create a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when at least one second virtual resource account exists and a virtual resource transfer task does not exist for all the second virtual resource accounts, where the second virtual resource account and the first virtual resource account share a same virtual resource transceiving account.

In an embodiment, the task creation apparatus may further include a first creation module as follows:

In an embodiment, the task creation device may further include a second creation module, as follows:

a second creating module 135, configured to create, based on the first basic information, a virtual resource transfer task corresponding to the first virtual resource account when there is no at least one second virtual resource account sharing the same virtual resource transceiving account with the first virtual resource account.

In an embodiment, the creating module 133 may include a number obtaining sub-module, a determining sub-module, and a creating sub-module, as follows:

In an embodiment, the creating sub-module may be specifically configured to:

In an embodiment, the task creating device may further include a determining module, a resource obtaining module, and a transferring module, as follows:

In an embodiment, the determining module may be specifically configured to:

In an embodiment, the resource obtaining module may be specifically configured to:

In a specific implementation, the above units may be implemented as independent entities, or may be combined arbitrarily to be implemented as the same or several entities, and the specific implementation of the above units may refer to the foregoing method embodiments, which are not described herein again.

As can be seen from the above, in the embodiment of the present application, a virtual resource transfer task creation interface may be displayed by the display module 131, where the virtual resource transfer task creation interface includes a task editing control of a virtual resource transfer task, and a first virtual resource account number for which the virtual resource transfer task needs to be created and first basic information required for creating the virtual resource transfer task are acquired by the acquisition module 132 based on an editing operation for the task editing control, and when at least one second virtual resource account number exists and all second virtual resource account numbers do not have the virtual resource transfer task, a virtual resource transfer task corresponding to the first virtual resource account number is created by the creation module 133 based on the first basic information, where the second virtual resource account number and the first virtual resource account number share the same virtual resource transceiving account number. The scheme can realize automatic payment of the credit card of the user, the step of manual payment of the user is omitted, convenience is provided for the user, and meanwhile overdue risks can be avoided. By judging whether the credit card account number is a shared account number, the virtual resource transfer task is not repeatedly created in the same shared bill bank by the user, and repeated repayment is avoided; the virtual resource transfer tasks are managed in a centralized mode through the virtual resource transfer task set, and tasks with different functions are distinguished through channel numbers, so that the risk of repeated payment of credit cards of users can be reduced, and the rights and interests of the users are fully guaranteed.

The embodiment of the application also provides electronic equipment, and the electronic equipment can integrate any one of the task creating devices provided by the embodiment of the application.

For example, as shown in fig. 14, a schematic structural diagram of an electronic device according to an embodiment of the present application is shown, specifically:

the electronic device may include components such as a processor 141 of one or more processing cores, a memory 142 including one or more computer-readable storage media, a power supply 143, and an input unit 144. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 14 does not constitute a limitation of the electronic device and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the processor 141 is a control center of the electronic device, connects various parts of the entire electronic device using various interfaces and lines, and performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 142 and calling data stored in the memory 142, thereby performing overall monitoring of the electronic device. Alternatively, processor 141 may include one or more processing cores; preferably, the processor 141 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into processor 141.

The memory 142 may be used to store software programs and modules, and the processor 141 executes various functional applications and data processing by operating the software programs and modules stored in the memory 142. The memory 142 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data created according to use of the electronic device, and the like. Further, the memory 142 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, memory 142 may also include a memory controller to provide processor 141 with access to memory 142.

The electronic device further comprises a power source 143 for supplying power to the various components, and preferably, the power source 143 is logically connected to the processor 141 through a power management system, so that functions of managing charging, discharging, and power consumption are implemented through the power management system. The power source 143 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The electronic device may further include an input unit 144, and the input unit 144 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

Although not shown, the electronic device may further include a display unit and the like, which are not described in detail herein. Specifically, in this embodiment, the processor 141 in the electronic device loads the executable file corresponding to the process of one or more application programs into the memory 142 according to the following instructions, and the processor 141 runs the application programs stored in the memory 142, so as to implement various functions as follows:

the method comprises the steps of displaying a virtual resource transfer task creation interface, wherein the virtual resource transfer task creation interface comprises a task editing control of a virtual resource transfer task, acquiring a first virtual resource account needing to create the virtual resource transfer task and first basic information needed by the virtual resource transfer task creation based on editing operation aiming at the task editing control, and creating the virtual resource transfer task corresponding to the first virtual resource account based on the first basic information when at least one second virtual resource account exists and all the second virtual resource accounts do not have the virtual resource transfer task, wherein the second virtual resource account and the first virtual resource account share the same virtual resource transceiving account.

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.

To this end, an embodiment of the present application provides an electronic device, in which a plurality of instructions are stored, and the instructions can be loaded by a processor to execute the steps in any one of the task creation methods provided in the embodiment of the present application. For example, the instructions may perform the steps of:

Wherein the storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

Since the instructions stored in the storage medium may execute the steps in any task creating method provided in the embodiments of the present application, beneficial effects that can be achieved by any task creating method provided in the embodiments of the present application may be achieved, which are detailed in the foregoing embodiments and will not be described herein again.

The above detailed description is provided for a task creating method, a task creating apparatus, a storage medium, and an electronic device, and a specific example is applied in the present disclosure to explain the principle and the implementation of the present disclosure, and the description of the above embodiment is only used to help understanding the method and the core idea of the present disclosure; meanwhile, for those skilled in the art, according to the idea of the present application, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present application.

Claims

1. A task creation method, comprising:

2. The task creation method of claim 1, wherein the method further comprises:

3. The task creation method of claim 1, wherein the method further comprises:

4. The task creation method according to claim 1, wherein when at least one second virtual resource account exists and no virtual resource transfer task exists for all the second virtual resource accounts, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information, wherein the second virtual resource account shares a same virtual resource transceiving account with the first virtual resource account, and the method includes:

5. The task creation method according to claim 4, wherein when no virtual resource transfer task exists for all the second virtual resource accounts, creating a virtual resource transfer task corresponding to the first virtual resource account based on the first basic information includes:

6. The task creation method of claim 1, wherein the method further comprises:

and transferring the virtual resource to the first virtual resource account.

7. The task creation method of claim 6, wherein determining a resource transfer time and a resource issuance account based on the virtual resource transfer task comprises:

8. The task creation method according to claim 6, wherein acquiring the virtual resource to be transferred from the resource issuance account at the resource transfer time includes:

9. A task creation apparatus, comprising:

10. A computer storage medium having a computer program stored thereon, which, when run on a computer, causes the computer to perform a task creation method according to any one of claims 1 to 8.

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the method according to any of claims 1 to 8 are implemented when the program is executed by the processor.