CN111523904A

CN111523904A - Method, device and equipment for triggering resource transfer task

Info

Publication number: CN111523904A
Application number: CN202010337970.6A
Authority: CN
Inventors: 孙健康
Original assignee: Alipay Labs Singapore Pte Ltd
Current assignee: Alipay Labs Singapore Pte Ltd
Priority date: 2020-04-26
Filing date: 2020-04-26
Publication date: 2020-08-11
Also published as: WO2021218667A1

Abstract

The embodiment of the specification discloses a method, a device and equipment for triggering a resource transfer task. The scheme comprises the following steps: acquiring a resource transfer request; the resource transfer request at least comprises first quantity information of a first resource to be transferred and preset time period information for transferring the first resource; determining a cycle trigger condition based on the predetermined time period information; when the period triggering condition is met, acquiring a first resource conversion rate; determining a second resource quantity of the second resources corresponding to the first resource of the first resource quantity based on the resource conversion rate; triggering a task of the first resource that adds the first resource amount to an account of the resource recipient; the second resource of the second resource quantity is reduced from the account of the resource sender.

Description

Method, device and equipment for triggering resource transfer task

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, and a device for triggering a resource transfer task.

Background

With the development of computer technology, the functions of mobile terminals are increasing, and more users are also encouraged to use mobile terminals to complete resource processing.

In practical applications, the resource circulation modes are also various, for example, a user can complete operations such as payment, conversion, reception and the like of the resource through a terminal application. At present, when a user performs resource processing, generally after the user initiates a request for resource processing, a resource processing party can complete the resource processing requested by the user as soon as possible according to the time of the resource processing party, and for the user, it is common that a request is submitted once and only the resource processing corresponding to the request is correspondingly completed. However, as the demand of users increases, the demand of users also increases, and therefore, richer resource processing methods need to be provided.

Disclosure of Invention

In view of this, embodiments of the present application provide a method, an apparatus, and a device for triggering a resource transfer task, which are used to meet a requirement of a user on resource processing.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

the method for triggering the resource transfer task provided in the embodiment of the present specification includes:

acquiring a resource transfer request; the resource transfer request at least comprises first quantity information of a first resource to be transferred and preset time period information for transferring the first resource; the first quantity information is used for representing a first resource quantity of a first resource which is expected to be transferred to a resource receiver in a preset time period;

determining a cycle trigger condition based on the predetermined time period information;

when the period triggering condition is met, acquiring a first resource conversion rate; the first resource conversion rate represents a resource conversion rate between the first resource and a second resource when the periodic trigger condition is satisfied; the resource conversion rate is used for expressing the resource quantity of the second resource corresponding to the first resource with unit quantity;

determining a second resource quantity of the second resources corresponding to the first resource of the first resource quantity based on the resource conversion rate;

triggering a task of the first resource that adds the first resource amount to an account of the resource recipient;

the second resource of the second resource quantity is reduced from the account of the resource sender.

The trigger device for a resource transfer task provided in an embodiment of the present specification includes:

the request acquisition module is used for acquiring a resource transfer request; the resource transfer request at least comprises first quantity information of a first resource to be transferred and preset time period information for transferring the first resource; the first quantity information is used for representing a first resource quantity of a first resource which is expected to be transferred to a resource receiver in a preset time period;

a period determining module, configured to determine a period triggering condition based on the predetermined time period information;

a conversion rate obtaining module, configured to obtain a first resource conversion rate when the periodic trigger condition is met; the first resource conversion rate represents a resource conversion rate between the first resource and a second resource when the periodic trigger condition is satisfied; the resource conversion rate is used for expressing the resource quantity of the second resource corresponding to the first resource with unit quantity;

a resource quantity determining module, configured to determine, based on the resource conversion rate, a second resource quantity of the second resource corresponding to the first resource of the first resource quantity;

the task triggering module is used for triggering a task of adding the first resource of the first resource quantity to the account of the resource receiver;

and the resource management module is used for reducing the second resource of the second resource quantity from the account of the resource sender.

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to:

The at least one technical scheme adopted in the embodiment of the specification can achieve the following beneficial effects:

in the embodiment of the description, when a resource transfer task is performed, a resource sender is allowed to input preset time period information for transferring the resource, and a period trigger condition for triggering the resource transfer task is determined based on the preset time period information, so that the resource sender can complete multiple times of periodical resource transfer when sending an operation of requesting the resource transfer task once, the operation of the resource sender when needing multiple times of resource transfer is simplified, the experience of a user is improved, and the resource transfer service is optimized.

In addition, in the embodiments of the present description, transfer between two different resources can be completed according to the resource conversion rate, and the requirements of the resource sender for transferring different types of resources can also be met.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

fig. 1 is a schematic diagram of an application scenario of a triggering method for a resource transfer task provided in an embodiment of the present specification;

fig. 2 is a flowchart illustrating a method for triggering a resource transfer task provided in an embodiment of the present specification;

FIG. 3 is a schematic diagram of a resource transfer service interface provided in an embodiment of the present specification;

FIG. 4 is a schematic illustration of a service interface provided in an embodiment of the present disclosure for a predetermined period of time;

FIG. 5 is a schematic illustration of a service interface provided in an embodiment of the present disclosure for a predetermined period of time;

FIG. 6 is a schematic illustration of a service interface provided in an embodiment of the present disclosure for a predetermined period of time;

fig. 7 is a flowchart illustrating a resource transfer task triggering method based on fig. 2 provided in an embodiment of the present specification;

FIG. 8 is a flowchart illustrating another triggering method based on the resource transfer task of FIG. 2 provided in an embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of a triggering apparatus for a resource transfer task provided in an embodiment of the present specification;

fig. 10 is a schematic structural diagram of a triggering device for a resource transfer task provided in an embodiment of this specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, 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 application.

At present, in a conventional resource transfer task, a user generally only needs to set required resource quantity information, and then initiates a request, a server for processing the resource transfer task completes the request task initiated by the user after receiving the request of the user, and the user needs to submit the request for resource transfer for multiple times when needing multiple resource transfers, so that the server for processing the resource transfer task processes the resource transfer task once for the request submitted by the user every time. For example, when the user needs to send money several times, the user is usually required to complete the filling-out of the relevant documents through a terminal application or a counter provided by the financial institution several times, the server or a counter staff member completes the processing of the current money transfer task according to each money transfer request, and if the user needs to send money once a month, the user needs to submit a request once a month. In the embodiment of the specification, the user can set the preset time period information of resource transfer so as to meet the requirement of the user on periodic resource transfer, and the user operation can be simplified.

The technical solutions provided in the embodiments of the present application are described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic diagram of an application scenario of a method for triggering a resource transfer task provided in an embodiment of this specification. As shown in fig. 1, the overall architecture mainly includes a resource sender 1, a terminal 2, and a server 3. The terminal 2 may be a mobile terminal such as a mobile phone and a computer, and may carry an APP (Application) with a remittance function, and the server 3 may be a cloud server corresponding to the APP with a resource transfer function, and may also be a background server of an organization with resource transfer qualification, and the like. The server 3 may have the capability to trigger resource transfer tasks and may be used to perform all or part of the steps of the method in embodiments of the present description.

In the embodiment of the present description, the resource sender 1 performs a resource transfer service through an APP in the terminal 2, fills resource transfer related information, such as a name and an account number of a resource receiver, a resource type, a resource quantity, and the like, in an interface of the APP, and can also sign a resource transfer protocol to indicate that the resource sender agrees to the server to execute a task of triggering resource transfer. The resource sender 1 sends the resource transfer correlation and the like to the server 3 through the terminal 2, the server 3 can also check the resource sender 1, corresponding resource transfer confirmation information is returned after the check is passed and is used for confirming the resource to be transferred by the resource sender 1, the resource transfer confirmation information returned by the server 3 can be displayed in an APP (application) or sent to the terminal 2 of a remitter in a short message or other forms, the remitter 1 can set the period time for triggering the resource transfer after confirming the resource transfer confirmation information, and before triggering a resource transfer task, the server is generated according to the resource transfer information filled by a user and is used for confirming whether the filled resource transfer information is correct by the user. When the cycle time for triggering the resource transfer task is reached, the server 3 triggers the resource transfer task based on the resource transfer request. Therefore, the requirement of the user for periodically and automatically transferring the resources at regular time can be met, the operation of the user during the periodic resource transfer is simplified, and the experience of the user is improved.

Fig. 2 is a flowchart illustrating a method for triggering a resource transfer task in an embodiment of the present specification. From the viewpoint of a program, the execution subject of the flow may be a program installed in an application server or an application client. As shown in fig. 2, the triggering method of the resource transfer task provided in this embodiment is mainly a triggering method with a server as an execution subject, and the process may include the following steps:

step 200: acquiring a resource transfer request; the resource transfer request at least comprises first quantity information of a first resource to be transferred and preset time period information for transferring the first resource; the first amount information is used to indicate a first resource amount of a first resource expected to be transferred to a resource recipient in a predetermined time period.

The resource transfer in the embodiment of the present specification may include resource transfer in daily life such as recharging and telephone fee recharging of a water electrical card, and may also include resource transfer in remittance such as domestic remittance and overseas remittance.

The server obtains a resource transfer request sent by a resource management device of a resource sender, wherein the resource management device can be a terminal used by the resource sender. In practical application, a resource sender may input information such as a first resource quantity, a resource type, and a predetermined time period of a first resource expected to be transferred to a resource receiver through a user service interface in an operation terminal, and the terminal generates a resource transfer request including information of the first quantity of the first resource to be transferred and information of the predetermined time period for transferring the first resource, and sends the resource transfer request to a server, where the server may be a server corresponding to an application program in the terminal.

Step 202: determining a cycle trigger condition based on the predetermined time period information.

In the embodiment of the present description, when a resource sender initiates a resource transfer request, a time period for triggering resource transfer may be reserved, and a server may trigger a task of resource transfer according to the time period reserved by the resource sender, so as to meet a requirement of the resource sender for periodic resource transfer.

Step 204: when the period triggering condition is met, acquiring a first resource conversion rate; the first resource conversion rate represents a resource conversion rate between the first resource and a second resource when the periodic trigger condition is satisfied; the resource conversion rate is used to represent the number of resources of the second resource corresponding to a unit number of the first resource.

The resource conversion task in the embodiment of the present specification may be conversion between two different resources, and when the two resources are converted, the corresponding quantity relationship between the two resources may be calculated by using the resource conversion rate. For example, the second resource may be RMB required for the user to purchase electricity, and the conversion rate may be a unit price of electricity; as another example, when performing cross-border money transfers between different currencies, the resource conversion rate may refer to a transfer rate between two countries or regions.

In this embodiment, when the resource transfer time period set by the resource sender is reached, the server may obtain the first resource conversion rate corresponding to the first resource and the second resource at this time, and perform the resource conversion task by using the first resource conversion rate, which may avoid confusion of resource conversion, effectively ensure smooth performance of the triggered resource conversion task, and improve the probability of the resource conversion task being executed.

Step 206: and determining a second resource quantity of the second resources corresponding to the first resources of the first resource quantity based on the resource conversion rate.

The server can calculate the number of the second resources corresponding to the first resources according to the first conversion rate when the period triggering condition is met.

Step 208: triggering a task of the first resource that adds the first resource amount to an account of the resource recipient.

In this embodiment of the present specification, the implementation of the task of adding the first resource of the first resource amount to the account of the resource receiving side may be performed by the server with resource transfer qualification, and when the periodic trigger condition is satisfied, the server receiving the resource transfer request may send a transfer trigger request corresponding to the resource transfer request to the server with resource transfer qualification, so as to trigger the task of adding the first resource of the first resource amount to the account of the resource receiving side.

It should be noted that the server receiving the resource transfer request and the server having the resource transfer qualification may be the same server or different servers, for example, when the server receiving the resource transfer request has the resource transfer qualification, the server receiving the resource transfer request and the server having the resource transfer qualification may be the same server; for another example, the resource sender sends the resource transfer request through the terminal application, the server receiving the resource transfer request may be a first server corresponding to the terminal application, and the server adding the first resource of the first resource amount to the account of the resource receiver may be a second server having resource transfer qualification in connection with the first server.

Step 210: the second resource of the second resource quantity is reduced from the account of the resource sender.

In order to more clearly describe the triggering method of the resource transfer task in the embodiment of the present specification, an example of the user purchasing electric quantity in daily life is taken.

Assuming that a user purchases power through an APP, the purchased power is usually charged into a corresponding power management account, such as a power card, by a server providing power management. Wherein, the user can be a resource sender; the resource transfer request can be a request for recharging the electric card; the power management account can be a resource receiver, and the user purchasing power can be a resource sender; the first resource may refer to electric quantity, and the first resource quantity may be the quantity of electric quantity which is expected to be charged into the electric card in a period expected by a user; the predetermined time period information may be a time period for recharging set by a user; the second resource may be RMB required for the user to purchase the electricity amount, and the resource conversion rate may be a unit price of the electricity amount. Assuming that a user plans to purchase 20-degree electric quantity every month, the user can input preset time period information representing 1 month and first resource quantity information representing 20-degree electric quantity in a service interface of an APP (application program), a corresponding resource transfer request can be generated based on the information input by the user, after the server obtains the resource transfer request, the server can determine that the user expects to purchase the electric quantity once a month, can calculate the required RMB quantity according to the unit price of the electric quantity, and can further trigger a task of adding 20-degree electric quantity to an electric quantity management account once every month; the number of RMB required to purchase power can also be reduced from the user's account. Therefore, after the user initiates a periodic recharging request, the server can automatically trigger a plurality of recharging tasks according to the user requirements, thereby simplifying the operation of the user and improving the experience of the user.

The method in the embodiment of the present specification may also be applied to domestic resource transfer and overseas resource transfer, where domestic resource transfer may refer to resource traffic between a resource sender and a resource receiver in domestic or overseas, overseas resource transfer may refer to resource traffic between a resource sender and an overseas resource receiver in domestic or overseas, and overseas resource transfer may also be referred to as resource transfer between internationals, and may be used to perform cross-border resource traffic. The resource transfer in the embodiments of this specification may be a resource exchange involving exchange between different currencies in the financial field. In practice, however, the methods of the embodiments of the present description may be used for general resource transfer tasks that do not involve currency exchange.

In practical application, when the user performs a resource conversion task involving resource exchange between different currencies, the server or the terminal can also set a default currency for the user, and if the user does not input currency information, the server performs related remittance processing in the default currency. For example, the default currency is U.S. dollars, the user may not enter the currency if desired, and the server may perform the associated money transfer process in U.S. dollars, thereby also simplifying the user's operation.

In practical application, in order to meet the requirements of different users, the users can set default currency types according to the needs of the users, so that resource transfer requests can be initiated later. In order to further improve the experience of the user, the server or the terminal can also recommend currencies for the user according to the historical resource transfer information of the user, for example, the used currencies in the historical resource transfer information can be sorted according to the use frequency, and the used currencies are recommended to the user according to the order of the use frequency from high to low; the currency can be recommended to the user according to the sequence of the use time from near to far according to the sequence of the use time, and the like.

Fig. 3 is a schematic view of a resource transfer service interface provided in an embodiment of the present specification. As shown in fig. 3, the resource transfer information input by the resource sender in this embodiment may include information such as a type 301 of the first resource, a first quantity 302 of the first resource, an account number 303 of the resource recipient, a name 304 of the resource recipient, a predetermined time 305, and may further include information such as a type and a quantity of the second resource. When transferring resources, it needs to fill in or input corresponding information accurately, and when needed, the resource transfer information may also include the name, account number and other information corresponding to the resource sender.

The service interface diagram of the predetermined time period information shown in fig. 4 can be skipped to by the predetermined time 305 shown in fig. 3, in this interface, the resource sender can input the time period information, the resource transfer period set by the resource sender in fig. 4 is 10 days, the resource sender can manually input "10 days", or "10 days" can be selected by a pull-down button (a small triangle in fig. 4) to indicate that the resource sender presets to trigger a resource transfer task every 10 days. When the resource sender inputs the time information, the terminal or the server may provide a default reservation starting time for the resource sender, for example, the actual time corresponding to the time information input may be the reservation starting time by default, assuming that the resource sender submits the request for the resource transfer task with the resource transfer period of 10 days on day 3 month 1, the time for triggering the resource transfer task may be once every 10 days on day 3 month 11 and later. In order to meet the requirement of the resource sender, the resource sender may also be allowed to modify the default time, as shown in fig. 4, and the resource sender may also be allowed to set the reservation starting time by itself. The time information can be accurate to the level of day, time, minutes, seconds and the like according to the requirement of the resource sender, for example, when the time information is the day level, the remittance service can be triggered by defaulting to the zero point of the reserved time. The time information input by the user may further include the number of remittance times or the end time of the automatic remittance, which may be set according to actual requirements, and is not limited specifically herein.

In order to simplify the operation of the resource sender and provide a filling example for the resource sender, the server may set a default time period for resource transfer for the resource sender, or recommend a time period for resource transfer for the resource sender according to the historical resource transfer information of the resource sender. For example, if a resource sender has transferred resources to the same account every month for the past year, the server may default the time period to 1 month.

In practical applications, the contents shown in fig. 3 and fig. 4 may also be located in the same service interface, and a user may fill all information required for resource transfer in one interface. It should be noted that the above description is only an example, and the specific time information form, display position, and the like in this specification are not limited as long as the user requirements can be met.

In order to improve the precision of resource transfer, in this embodiment of the present specification, the predetermined time period information at least may include period interval information and time information;

the period interval information is used for representing the interval time length of two adjacent periods;

the time information is used to indicate a starting time of each period, and specifically, may indicate a time point at which the task of adding the first resource of the first resource amount to the account of the resource receiver and the second resource transfer of reducing the second resource amount from the account of the resource sender are triggered in each period.

Fig. 5 is a schematic diagram of a predetermined time period information service interface provided in an embodiment of this specification, and as shown in fig. 5, the predetermined time period information includes period interval information and time information. Assuming that the resource sender plans to trigger resource transfer once at9 am of 5 a.s.a.s.t.every month, the time for the resource sender to operate the resource transfer information interface to send out the resource transfer request is No. 3 month 5, the terminal or the server can set the time for the resource sender to send out the resource transfer request as the starting time of the default time period, the resource sender can set the period interval time as 1 month, and can also specifically set the starting time of each period as 9 am, and through the setting of the preset time period information, the server automatically triggers a resource transfer task for the user at9 am of 5 a.s.a.s.s.s.s.s.s.s.s.s.. In practical application, the resource sender can also set the ending time of the resource transfer task, and trigger the resource transfer task during the starting time and the ending time.

In order to simplify the user operation, the terminal or the server can also set default periodic interval information and/or time information, so that a resource sender does not need to input each item of time information in the preset time period information; when the default information content does not meet the requirement of the resource sender, the resource sender can also set by itself.

In practical application, the user may further set a starting time of the predetermined time period to indicate the starting time of the first period, as shown in fig. 6, as an example, it is assumed that the resource sender plans to trigger resource transfer once at9 am, No. 5 of each month, and it is assumed that the time when the resource sender operates the resource transfer information interface to send the resource transfer request is No. 2 month and No. 20, the resource sender may set the starting time of the predetermined time period to be No. 3 month and No. 5, the cycle interval is set to 1 month, and the time is set to 9 am, and after the server obtains the resource transfer request of the user, the server may trigger resource transfer tasks once at No. 3 month and No. 5 monthly. The resource sender can also set the number of times of the periodic resource transfer, which represents the number of times of the periodic resource transfer that can be triggered by one resource transfer request initiated by the user, and the resource transfer task corresponding to the resource transfer request can be ended after the number of times is reached. It should be noted that the above is only an example for describing the predetermined period time information more clearly, and in the embodiment of the present specification, the presentation format and the content of the predetermined period time information are not limited as long as the resource transfer task can be triggered periodically.

In this embodiment of the present disclosure, based on the predetermined time period information, the server may trigger the periodic resource transfer service by using a timer in a countdown manner. For example, a resource sender presets resource transfer once every 10 days, a server can use a timer to record the time of the time as 10 days, then start countdown, trigger a resource transfer service once when the countdown reaches 0, continue to count down from 10 days after the triggering is completed, prepare for triggering the next resource transfer service, and so on; the server can also convert the period of resource transfer required by the resource sender into time information, trigger the resource transfer service when the corresponding time is reached, and still take the example that the resource sender needs to perform resource transfer once every 10 days, assuming that the current one-time resource transfer time is 3 months and 1 day, the next resource transfer time can be calculated to be 3 months and 11 days, and the reference clock of the local place where the resource sender belongs can be used for comparison, and trigger the resource transfer task when the 3 months and 11 days are reached. It should be noted that, in the embodiments of the present specification, a specific implementation of the generated cycle trigger condition is not limited as long as the cycle trigger condition can be accurately responded.

In practical application, the resource sender may use the terminal to perform resource transfer, and when inputting resource transfer information, each item of information may be manually input, or information may be selected from the history information or the established contact list and filled in, for example, the server may record a person or an account number having resource transfer with the resource sender in the history resource transfer information, and the resource sender may select the person or the account number having resource transfer from the history resource transfer information to perform resource transfer without repeating manually filling information such as an account number of a resource receiver, so as to simplify the operation of the resource sender.

Therefore, the method provided in this embodiment of the present specification, where the obtaining a resource transfer request specifically includes:

providing a historical resource transfer order of the resource sender to a terminal of the resource sender;

acquiring a target historical resource transfer order selected from the historical resource transfer orders by the resource sender;

generating the resource transfer request based on the target historical resource transfer order; the resource transfer request comprises part or all of the information in the target historical resource transfer order.

The generating the resource transfer request based on the target historical resource transfer order may specifically include:

and for the same field in the resource transfer request and the target historical resource transfer order, adopting the field value in the target historical resource transfer order as the field value of the same field in the resource transfer request.

In this embodiment, the resource transfer order may be a resource transfer order provided by a service organization with resource transfer qualifications, for example, a resource sender transfers resources through an APP of a service organization with remittance qualifications in a mobile phone, and the service organization may provide the resource transfer order provided by the service organization for the resource sender.

The historical resource transfer order may include information such as a first resource type, a first resource quantity, an account number of a resource receiving party, a country to which the account number belongs, and implementation time of resource transfer. When sending a resource transfer request, a resource sender can acquire information such as an account number of a resource receiver from a historical resource transfer order, a terminal can automatically fill at least one of the account number of the resource receiver, a country to which the resource receiver belongs and a first resource type in the historical resource transfer order in a corresponding position of the resource transfer information filled by the current resource sender, and for other information needing to be input, the resource sender can manually input or click and input information such as a time period of resource transfer, the number of first resources and the like.

In order to guarantee the rights of the resource sender, before determining the periodic trigger condition in the embodiment of this specification, the method may further include: feeding back a resource transfer protocol to a terminal of the resource sender; and acquiring the confirmation information of the terminal to the resource transfer protocol.

The resource transfer protocol in this embodiment may contain information indicating that the resource sender grants the server the right to trigger the periodic resource transfer.

In order to ensure the accuracy of the resource transfer information, the server may further generate resource transfer order information for the resource sender to confirm the resource transfer information according to the resource transfer request before determining the time trigger condition, where the resource transfer order information may include content such as quantity information of the first resource, type information of the first resource, quantity information of the second resource corresponding to the first resource, account information of the resource receiver, and scheduled time information, the resource sender may send order confirmation information to the server after confirming that the order information is correct, and the server determines the time trigger condition after obtaining the order confirmation information. When the server does not acquire the confirmation information sent by the resource sender within the preset time or acquires the information representing that the resource transfer order information sent by the resource sender is wrong, the triggering of the resource transfer task at this time can be terminated.

In order to improve the performability of money transfer service, the method of the embodiment of the present specification, before determining the period triggering condition, may further include:

carrying out wind control compliance inspection on the account of the resource sender to obtain a first wind control compliance inspection result;

and when the first wind control compliance checking result shows that the checking is passed, determining a periodic triggering condition.

In practical application, after the resource sender submits the resource transfer request, the server may perform auditing on the resource sender, and determine whether the resource sender has the resource transfer qualification, whether the resource transfer task to be handled conforms to the relevant wind control management rule of resource transfer, and the like, for example, check whether the resource source of the resource sender is legal, and the like.

Because the method in the embodiment of the present specification may be applied to a periodic resource transfer task, to further ensure the security of the resource flow, the method in the embodiment of the present specification may further include:

when the periodic trigger condition is met, carrying out wind control compliance inspection on the account of the resource sender to obtain a second wind control compliance inspection result;

when the second wind control compliance checking result shows that the checking is passed, triggering a task of adding the first resource of the first resource quantity to the account of the resource receiver;

The wind control compliance check in the embodiment of the present specification may also be executed once each time the cycle time arrives, for example, the resource transfer request includes 4 periodic resource transfer tasks set by the resource sender, and the cycle time is 1 month, then the wind control compliance check may be executed once each time the cycle time arrives, so as to avoid a situation that the resource transfer task is still triggered when an account of the resource sender included in the resource transfer request does not conform to the relevant rules any more due to some reasons during the whole resource transfer task processing period, effectively avoid the resource sender from performing illegal resource transfer, and further ensure the security of resource transfer. It should be noted that, in the embodiment of the present specification, specific wind control compliance checking time is not limited, as long as it is guaranteed to be completed before a resource transfer task is triggered.

In practical application, when the wind control compliance check result indicates that the wind control compliance check result does not pass, the triggering of the resource transfer task can be terminated; when the wind control compliance inspection result shows that the wind control compliance inspection result passes, the resource transfer task can be triggered, and the wind control compliance inspection result can be sent to a service organization with resource transfer qualification, so that reference can be provided for the organization.

In order to improve the success rate of triggering the resource transfer task, before determining the periodic trigger condition, the method may further include:

acquiring the pre-estimated second resource quantity of a second resource corresponding to the first resource in the account of the resource sender;

freezing the second resource of the estimated second resource quantity to obtain a frozen second resource;

the reducing the second resource of the second resource amount from the account of the resource sender specifically includes:

reducing some or all of the frozen second resources from the account of the resource sender.

In practical application, the server can freeze the second resources corresponding to the first resources in the account of the resource sender after acquiring the resource transfer request or before determining the period triggering condition, and can obtain the estimated second resource quantity of the second resources corresponding to the first resources according to the resource conversion rate when acquiring the resource transfer request, and can execute the resource transfer task by adopting the frozen second resources of the estimated second resource quantity after triggering the resource transfer task, so that the resource sender can be ensured to provide the second resources to a certain extent when the resource transfer task is triggered within the preset period time of reservation, the condition of resource transfer failure caused by insufficient second resources of the resource sender can be avoided to a certain extent, and the workload of the server is also reduced to a certain extent.

In this embodiment of the present specification, part or all of the frozen second resources may also be sent to a third-party server having a resource transfer authority, so that the third-party server adds the first resource of the first resource quantity to an account of a resource receiver.

In practical applications, the number of the frozen second resources may be a number corresponding to the first resource of one cycle, or may be a number corresponding to a sum of the first resources involved during the whole resource transfer task corresponding to the resource transfer request.

In practical application, the number of the frozen second resources may be greater than the number of the second resources corresponding to the first resources when the resource transfer task is triggered, possibly due to fluctuation of the resource conversion rate, and after the resource transfer task of one period is completed, the remaining frozen second resources corresponding to the period may be thawed after a preset time and may be returned to the account remaining resources of the resource sender; or after the resource transfer tasks corresponding to the resource transfer request and including a plurality of periodic resource transfer tasks are all completed, the total remaining frozen second resources are unfrozen after the preset time and returned to the account remaining resources of the resource sender, so that the resource sender can use the resources conveniently.

Correspondingly, when the number of the frozen second resources is smaller than the number of the second resources corresponding to the first resources when the resource transfer task is triggered, the server may further send information prompting the resource sender to provide enough second resources to obtain the second resource triggering resource transfer task corresponding to the first resources of the first resource number to the resource sender.

As another implementation manner, in this embodiment of this specification, before determining the cycle trigger condition, the method may further include:

deducting a second resource quantity of a second resource corresponding to the first resource from the account balance of the resource sender; and sending the second resources with the second quantity deducted from the account to a third-party server with resource transfer authority, so that the third-party server adds the first resources with the first resource quantity to the account of the resource receiver.

In order to improve the success rate of triggering the resource transfer task, before the triggering the task of adding the first resource of the first resource quantity to the account of the resource receiver, the method may further include:

querying the remaining amount of the second resource on the account of the resource sender;

judging whether the residual quantity is greater than or equal to the second resource quantity;

and if not, generating feedback information for prompting the resource transfer failure.

In practical applications, when a resource transfer task is triggered when a predetermined time of reservation is reached, and for some reasons, the amount of remaining resources in an account of a resource sender cannot meet the amount required by a first resource expected to be transferred, in order to ensure that the resource transfer task can be executed, before triggering a task of adding the first resource of the first resource amount to an account of a resource receiver, a server may first query whether there is a sufficient amount of second resources in the account of the resource sender, and when the amount of remaining resources in the account of the resource sender is smaller than the second resource amount, the server may generate feedback information of resource transfer failure to feed back to the resource sender, and the resource sender may perform corresponding processing according to the feedback information, for example, the resource sender may recharge an account balance and re-trigger the task. The form of the feedback information may include a short message, an email, an application message, and the like, and the specific form and content of the feedback information may be set according to actual requirements, where the content is not specifically limited, as long as the resource sender can clearly know that the original source of the resource transfer failure is caused by insufficient account remaining resources.

The resource conversion rate in the method for triggering the resource transfer task provided in the embodiment of the present specification may be changed, and based on the method shown in fig. 2, an embodiment of the present specification further provides a method for triggering the resource transfer task, as shown in fig. 7, where the method for triggering the resource transfer task provided in the embodiment of the present specification may further include:

step 700: acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

step 702: judging whether a change value between the second resource conversion rate and the first resource conversion rate is larger than a preset change value or not on the basis of the second resource conversion rate and the first resource conversion rate to obtain a first judgment result;

step 704: when the first judgment result shows that the change value is not larger than the preset change value, triggering a task of adding the first resource of the first resource quantity to an account of the resource receiver;

step 706: the second resource of the second resource quantity is reduced from the account of the resource sender.

Since the resource conversion rate may be variable, in this embodiment, it may exist that the resource conversion rate when the server obtains the resource transfer request is not consistent with the resource conversion rate when the resource transfer task is triggered, so that, to improve the user experience and reduce the influence on the user due to the fluctuation of the resource conversion rate, the user may determine whether to continue the operation of the resource transfer task according to the variation value of the resource conversion rate. The preset variation value may be set according to actual needs, for example, the preset variation value may be set to 3% for a task whose resource transfer amount is not large, where the preset variation value is 3% — the (second resource conversion rate b — first resource conversion rate a)/the first resource conversion rate a.

Further, the method in the embodiment of the present specification may further include:

step 708: when the first judgment result shows that the change value is larger than the preset change value, generating prompt information for inquiring whether the resource sender continues to execute resource transfer;

step 710: after the confirmation operation that the resource sender confirms to continue executing the resource transfer is obtained, a task of adding the first resource with the first resource quantity to the account of the resource receiver is triggered;

step 712: the second resource of the second resource quantity is reduced from the account of the resource sender.

In practical applications, the preset variation value may be set according to actual needs, for example, the resource sender may set a preset value in the terminal according to personal conditions, and the server may also provide the preset value for the resource sender, and so on. The specific data and the setting mode of the preset value are not limited, and the actual requirements can be met.

Corresponding to the change value of the resource conversion rate, whether to perform an operation of a resource transfer task may also be determined according to a resource loss value caused by a change of the resource conversion rate, specifically, based on the method shown in fig. 2, an embodiment of the present specification further provides a method for triggering the resource transfer task, and as shown in fig. 8, the method for triggering the resource transfer task provided in the embodiment of the present specification may further include:

step 800: acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

step 802: determining a loss value corresponding to the second resource based on the second resource conversion rate and the first resource conversion rate;

step 804: judging whether the loss value is larger than a preset value or not to obtain a second judgment result;

step 806: when the second judgment result shows that the loss value is not greater than the preset value, triggering a task of adding the first resource with the first resource quantity to an account of the resource receiver;

step 808: the second resource of the second resource quantity is reduced from the account of the resource sender.

The loss value may indicate the amount of the first resource that the resource receiver receives less or the amount of the first resource that the resource sender needs to remit more after the second resource of the resource sender is exchanged into the first resource of the resource receiver due to the change of the resource conversion rate. For example, a resource sender a performs resource transfer to a resource receiver B in the united states in china, a second conversion rate when a server acquires a resource transfer request sent by a resource management device of the resource sender is a1, the resource sender a triggers a resource transfer task after a predetermined time of three months, the first conversion rate is assumed to be a2 and a2 is greater than a1 after the time of three months, the resource sender a is assumed to expect to transfer to a first resource with a first resource quantity of B of the resource receiver B, the resource sender a needs to pay more than (a2-a1) B of a second resource, and the resource sender a pays more than the second resource as a loss value of resource transfer assuming that other expenses required for handling the resource transfer task are the same.

step 810: when the second judgment result shows that the loss value is larger than the preset value, generating prompt information for inquiring whether the resource sender continues to execute resource transfer;

step 812: after the confirmation operation that the resource sender confirms to continue executing the resource transfer is obtained, a task of adding the first resource with the first resource quantity to the account of the resource receiver is triggered;

step 814: the second resource of the second resource quantity is reduced from the account of the resource sender.

In practical application, the preset value corresponding to the loss value may be set according to actual needs, for example, the resource sender may set the preset value in the terminal according to personal conditions, and the server may also provide the preset value for the resource sender, and so on. The specific data and the setting mode of the preset value are not limited, and the actual requirements can be met.

In the method for triggering the resource transfer task provided in the embodiments of the present specification, in consideration of the influence of the conversion rate fluctuation on the user, the user may be prompted whether to continue the remittance service when the preset condition is not satisfied, so that the loss of the user due to the remittance rate fluctuation may be reduced to a certain extent, and the benefit of the user may be protected.

It should be noted that, in the embodiment of the present specification, the resource sender and the resource receiver are only divided in a program angle, an account of the resource sender and an account of the resource receiver may belong to the same user, the corresponding resource sender and the corresponding resource receiver may be the same user, and the resource transfer task may be a resource transfer task performed between different accounts by the same user; the account of the resource sender and the account of the resource receiver may belong to different users, the corresponding resource sender and the corresponding resource receiver may be different users, and the resource transfer task may be a resource transfer task performed between different accounts by different users.

Based on the same idea, an apparatus corresponding to the method shown in fig. 2 is further provided in this embodiment of the present specification, as shown in fig. 9, fig. 9 is a schematic structural diagram of a triggering apparatus for a resource transfer task provided in this embodiment of the present specification, where the apparatus may include:

a request obtaining module 900, configured to obtain a resource transfer request; the resource transfer request at least comprises first quantity information of a first resource to be transferred and preset time period information for transferring the first resource; the first quantity information is used for representing a first resource quantity of a first resource which is expected to be transferred to a resource receiver in a preset time period;

a period determining module 902, configured to determine a period triggering condition based on the predetermined time period information;

a conversion rate obtaining module 904, configured to obtain a first resource conversion rate when the period trigger condition is met; the first resource conversion rate represents a resource conversion rate between the first resource and a second resource when the periodic trigger condition is satisfied; the resource conversion rate is used for expressing the resource quantity of the second resource corresponding to the first resource with unit quantity;

a resource quantity determining module 906, configured to determine, based on the resource conversion rate, a second resource quantity of the second resources corresponding to the first resource of the first resource quantity;

a task triggering module 908, configured to trigger a task of adding the first resource of the first resource amount to an account of the resource recipient;

a resource management module 910, configured to reduce the second resource of the second resource amount from the account of the resource sender.

The request obtaining module may be specifically configured to:

The preset time period information at least comprises period interval information and time information;

the time information is used for representing the starting time of each period.

Based on the apparatus shown in fig. 9, the triggering apparatus for a resource transfer task provided in this embodiment of the present specification may further include a money freezing module, configured to:

The triggering apparatus for a resource transfer task provided in an embodiment of this specification may further include a first determining module, configured to:

acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

judging whether a change value between the second resource conversion rate and the first resource conversion rate is larger than a preset change value or not on the basis of the second resource conversion rate and the first resource conversion rate to obtain a first judgment result;

when the first judgment result shows that the change value is not larger than the preset change value, triggering a task of adding the first resource of the first resource quantity to an account of the resource receiver;

The triggering apparatus for a resource transfer task provided in an embodiment of this specification may further include a second determining module, configured to:

determining a loss value corresponding to the second resource based on the second resource conversion rate and the first resource conversion rate;

judging whether the loss value is larger than a preset value or not to obtain a second judgment result;

when the second judgment result shows that the loss value is not greater than the preset value, triggering a task of adding the first resource with the first resource quantity to an account of the resource receiver;

Based on the same idea, in this embodiment of the present specification, a triggering device for a resource transfer task corresponding to the method shown in fig. 2 is further provided, as shown in fig. 10, fig. 10 is a schematic structural diagram of the triggering device for a resource transfer task provided in this embodiment of the present specification, and the device 1000 may include:

at least one processor 1010; and the number of the first and second groups,

a memory 1030 communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory 1030 stores instructions 1020 executable by the at least one processor 1010 to enable the at least one processor 1010 to:

Embodiments of the present specification may also provide a computer readable medium, on which computer readable instructions are stored, the computer readable instructions being executable by a processor to implement the method for triggering a resource transfer task corresponding to the method shown in fig. 2.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The apparatus, the device, the nonvolatile computer storage medium, and the method provided in the embodiments of the present specification correspond to each other, and therefore, the apparatus, the device, and the nonvolatile computer storage medium also have advantageous technical effects similar to those of the corresponding method.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Language Description Language), traffic, pl (core unified Programming Language), HDCal, JHDL (Java Hardware Description Language), langue, Lola, HDL, laspam, hardsradware (Hardware Description Language), vhjhd (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape disk storage or other magnetic storage devices, or any other non-transmission medium which can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

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

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method of triggering a resource transfer task, the method comprising:

2. The method according to claim 1, wherein the obtaining the resource transfer request specifically includes:

3. The method according to claim 2, wherein generating the resource transfer request based on the target historical resource transfer order specifically comprises:

4. The method of claim 1, prior to determining the periodic trigger condition, further comprising:

feeding back a resource transfer protocol to a terminal of the resource sender;

and acquiring the confirmation information of the terminal to the resource transfer protocol.

5. The method of claim 1, prior to determining the periodic trigger condition, further comprising:

6. The method of claim 1 or 5, further comprising:

7. The method of claim 1, the predetermined time period information comprising at least cycle interval information and time of day information;

the time information is used for representing the starting time of each period.

8. The method of claim 1, prior to determining the periodic trigger condition, further comprising:

9. The method of claim 1, prior to the triggering the task of adding the first resource of the first resource amount to the account of the resource recipient, further comprising:

10. The method of claim 1, further comprising:

11. The method of claim 10, further comprising:

when the first judgment result shows that the change value is larger than the preset change value, generating prompt information for inquiring whether the resource sender continues to execute resource transfer;

after the confirmation operation that the resource sender confirms to continue executing the resource transfer is obtained, a task of adding the first resource with the first resource quantity to the account of the resource receiver is triggered;

12. The method of claim 1, further comprising:

13. The method of claim 12, further comprising:

when the second judgment result shows that the loss value is larger than the preset value, generating prompt information for inquiring whether the resource sender continues to execute resource transfer;

14. A triggering apparatus of a resource transfer task, the apparatus comprising:

15. The apparatus according to claim 14, wherein the request obtaining module is specifically configured to:

16. The apparatus of claim 14, the predetermined time period information comprising at least cycle interval information and time of day information;

the time information is used for representing the starting time of each period.

17. The apparatus of claim 14, further comprising a monetary freezing module to:

18. The apparatus of claim 14, further comprising a first determining module configured to:

19. The apparatus of claim 14, further comprising a second determining module configured to:

20. A triggering device of a resource transfer task, comprising:

at least one processor; and the number of the first and second groups,