CN112258310B - Resource processing method, device and system - Google Patents

Resource processing method, device and system Download PDF

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Publication number
CN112258310B
CN112258310B CN202011069441.9A CN202011069441A CN112258310B CN 112258310 B CN112258310 B CN 112258310B CN 202011069441 A CN202011069441 A CN 202011069441A CN 112258310 B CN112258310 B CN 112258310B
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resource
account
request
type
processing system
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CN112258310A (en
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周忠恳
从波涛
范群山
李乐
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Shanghai I2finance Software Co ltd
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Shanghai I2finance Software Co ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Abstract

The specification discloses a resource processing method, a resource processing device and a resource processing system, which are used for solving the problems of poor timeliness, disordered processing, difficulty in tracing and the like in the conventional resource processing mode. The method comprises the following steps: the management system receives a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted; judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request; summarizing the resource extraction requests meeting the batch processing conditions; and sending the aggregated resource extraction requests to a corresponding resource processing system in batch for processing based on the carried information of the transferred account and the resources to be extracted.

Description

Resource processing method, device and system
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a resource processing method, device, and system.
Background
In the conventional resource management method, different processing systems, processing links, service modes, and the like are generally used for different resource processing services to manage resource accounts, for example, operations such as extracting and transferring resources among a plurality of resource accounts are performed. Under the highly concurrent resource processing service, different resource accounts may relate to different processing links and processing systems, so that the complexity of the resource processing process is high, and further, the problems of poor timeliness, disordered processing, difficulty in tracing and the like of the resource processing service are caused.
Taking the example of drawing funds from a virtual account of a designated public-real account to a required transferred account in a bank public service scene, under a highly concurrent cash-out request, different processing systems and processing links may be adopted for different transferred accounts and fund cash-out services, so that the complexity of the cash-out processing process is high, and further, the problems of poor timeliness, transaction confusion, difficulty in tracing and the like of the cash-out service are solved.
Disclosure of Invention
One or more embodiments of the present disclosure provide a resource processing method, device, and system, so as to solve the problems of poor timeliness, processing confusion, and difficulty in tracing existing in the conventional resource processing method.
In order to solve the technical problems, one or more embodiments of the present specification are implemented as follows:
in one aspect, an embodiment of the present specification provides a resource processing method, including:
the management system receives a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted;
judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request;
summarizing the resource extraction requests meeting the batch processing conditions;
and sending the summarized resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted.
Optionally, the batch processing condition includes that a resource transfer mode is to extract resources through an internal intermediate account of a resource manager to which the specified resource account belongs or a type of the transferred account is a preset account type;
the summarizing of the resource extraction requests meeting the batch processing conditions comprises the following steps:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for extracting resources through the internal intermediate account in a resource transfer mode;
the method for processing the resource extraction requests comprises the following steps of sending the aggregated resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted, and comprises the following steps:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
and based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, forwarding all the first-class resource extraction requests to the corresponding resource processing system in parallel to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account, wherein the resource processing system comprises an internal processing system and an external processing system.
Optionally, the summarizing the resource extraction requests meeting the batch processing condition further includes:
summarizing a second type of resource extraction request, wherein the second type of resource extraction request refers to that the carried type of the transferred account is a preset account type;
the method comprises the following steps of sending aggregated resource extraction requests to corresponding resource processing systems in batch for processing based on carried information of transferred accounts and resources to be extracted, and further comprises the following steps:
and forwarding the aggregated second-class resource extraction requests to the external processing system in batch to instruct the external processing system to transfer the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account.
Optionally, the method further comprises:
if the resource extraction request does not meet the batch processing condition, based on a resource manager to which a transfer account belongs in the resource extraction request, forwarding the resource extraction request to a corresponding resource processing system to instruct the corresponding resource processing system to transfer the resource in the specified resource account to the corresponding transfer account based on the information of the resource to be extracted in the resource extraction request.
Optionally, the management system is a corporate system of a bank, the resource processing system is a cash-out processing system of the bank, the specified resource account is a virtual account under a specified corporate-real account of the bank, the resource withdrawal request is a fund withdrawal request, the resource transfer mode is an posting mode, the posting mode is used for indicating whether to withdraw funds through an internal intermediate account of the bank, and the information of the resources to be withdrawn is information of funds to be withdrawn.
Optionally, the batch processing condition includes that an posting mode is that funds are withdrawn through an internal intermediate account of the bank or a type of account transferred into the bank is a private account;
the summarizing of the resource extraction requests meeting the batch processing conditions comprises the following steps:
summarizing the information of funds to be withdrawn in the first-class fund withdrawal requests to obtain the information of target withdrawal funds, wherein the first-class fund withdrawal requests comprise fund withdrawal requests for withdrawing funds through internal intermediate accounts of the bank in an posting mode;
the method for processing the resource extraction requests comprises the following steps of sending the aggregated resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted, and comprises the following steps:
sending information of the target withdrawal funds to a core system of the bank to instruct the core system to transfer the target withdrawal funds from the virtual account to the internal intermediate account;
based on the type of the transfer-in account in each first-class fund withdrawal request and the bank to which the first-class fund withdrawal request belongs, parallelly forwarding each first-class fund withdrawal request to the corresponding withdrawal processing system so as to instruct the corresponding withdrawal processing system to transfer the corresponding fund to be withdrawn from the internal intermediate account to the corresponding transfer-in account;
the transfer account type comprises a private account and a public account, the cash withdrawal processing system comprises a core system, a first external payment platform and a second external payment platform of the bank, the core system is used for processing a cash withdrawal request of the transferred account which belongs to the bank, the first external payment platform is used for processing a cash withdrawal request of the transferred account which belongs to the public account and does not belong to the bank, and the second external payment platform is used for processing a cash withdrawal request of the transferred account which belongs to the private account.
Optionally, the aggregating the resource extraction requests meeting the batch processing condition further includes:
summarizing second-type fund withdrawal requests, wherein the second-type fund withdrawal requests comprise fund withdrawal requests transferred into an account as a private account;
the method comprises the following steps of sending aggregated resource extraction requests to corresponding resource processing systems in batch for processing based on carried information of transferred accounts and resources to be extracted, and further comprises the following steps:
and forwarding the aggregated second-type fund withdrawal requests to the second external payment platform in batch to instruct the second external payment platform to transfer the corresponding funds to be withdrawn from the virtual account to the corresponding transfer account.
Optionally, the method further comprises:
if the type of the transferred account in the fund withdrawal request is a public account and belongs to the bank, forwarding the fund withdrawal request to the core system so as to instruct the core system to transfer the fund in the virtual account to the corresponding transferred account based on the information of the fund to be withdrawn in the fund withdrawal request; alternatively, the first and second electrodes may be,
and if the type of the transferred-in account in the fund withdrawal request is a public account and does not belong to the bank, forwarding the fund withdrawal request to the first pair of external payment platforms to instruct the first pair of external payment platforms to transfer the fund in the virtual account to the corresponding transferred-in account based on the information of the fund to be withdrawn in the fund withdrawal request.
On the other hand, an embodiment of the present specification further provides a resource processing apparatus, which is applied to a management system, and includes:
the system comprises a receiving module, a resource extracting module and a resource transferring module, wherein the receiving module is used for receiving a resource extracting request, the resource extracting request is used for extracting resources from a specified resource account, and the resource extracting request carries information of transferred accounts, resource transferring modes and resources to be extracted;
the identification module is used for judging whether the resource extraction request meets batch processing conditions or not based on the information of the transferred account and the resource transfer mode in the resource extraction request;
the summarizing module is used for summarizing the resource extraction requests meeting the batch processing conditions;
and the first processing module is used for sending the aggregated resource extraction requests to the corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted.
Optionally, the batch processing condition includes that the resource transfer mode is resource extraction through an internal intermediate account of a resource manager to which the specified resource account belongs or the type of the transferred account is a preset account type;
the summarization module is specifically configured to:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for resource extraction through the internal intermediate account in a resource transfer mode;
the first processing module is specifically configured to:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
and based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, forwarding all the first-class resource extraction requests to the corresponding resource processing system in parallel to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account, wherein the resource processing system comprises an internal processing system and an external processing system.
Optionally, the summarizing module is further specifically configured to:
summarizing a second type of resource extraction request, wherein the second type of resource extraction request refers to that the carried type of the transferred account is a preset account type;
the first processing module is further specifically configured to:
and forwarding the aggregated second-class resource extraction requests to the external processing system in batch to instruct the external processing system to transfer the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account.
Optionally, the apparatus further comprises:
and the second processing module is used for forwarding the resource extraction request to a corresponding resource processing system based on a resource management party to which a transfer-in account belongs in the resource extraction request if the resource extraction request does not meet the batch processing condition, so as to instruct the corresponding resource processing system to transfer the resources in the specified resource account to the corresponding transfer-in account based on the information of the resources to be extracted in the resource extraction request.
Optionally, the management system is a public system of a bank, the resource processing system is a cash withdrawal processing system of the bank, the specified resource account is a virtual account under a specified public-real account of the bank, the resource withdrawal request is a fund withdrawal request, the resource transfer mode is an posting mode, the posting mode is used for indicating whether to withdraw funds through an internal intermediate account of the bank, and the information of the resources to be withdrawn is information of funds to be withdrawn.
Optionally, the batch processing condition includes that an posting mode is that funds are withdrawn through an internal intermediate account of the bank or a type of account transferred into the bank is a private account;
the summarization module is specifically configured to:
summarizing information of funds to be withdrawn in first-class fund withdrawal requests to obtain information of target withdrawn funds, wherein the first-class fund withdrawal requests comprise fund withdrawal requests for withdrawing funds through internal intermediate accounts of the bank in an posting manner;
the first processing module is specifically configured to:
sending information of the target withdrawal funds to a core system of the bank to instruct the core system to transfer the target withdrawal funds from the virtual account to the internal intermediate account;
based on the type of the transfer-in account in each first-class fund withdrawal request and the bank to which the first-class fund withdrawal request belongs, parallelly forwarding each first-class fund withdrawal request to the corresponding withdrawal processing system so as to instruct the corresponding withdrawal processing system to transfer the corresponding fund to be withdrawn from the internal intermediate account to the corresponding transfer-in account;
the transfer account type comprises a private account and a public account, the cash withdrawal processing system comprises a core system, a first external payment platform and a second external payment platform of the bank, the core system is used for processing a cash withdrawal request of the transferred account which belongs to the bank, the first external payment platform is used for processing a cash withdrawal request of the transferred account which belongs to the public account and does not belong to the bank, and the second external payment platform is used for processing a cash withdrawal request of the transferred account which belongs to the private account.
Optionally, the summarizing module is further specifically configured to:
summarizing second-type fund withdrawal requests, wherein the second-type fund withdrawal requests comprise fund withdrawal requests transferred into an account as a private account;
optionally, the first processing module is further specifically configured to:
and forwarding the aggregated second-type fund withdrawal requests to the second external payment platform in batch to instruct the second external payment platform to transfer the corresponding funds to be withdrawn from the virtual account to the corresponding transfer account.
Optionally, the apparatus further comprises:
the third processing module is used for forwarding the fund withdrawal request to the core system if the type of the transferred account in the fund withdrawal request is a public account and belongs to the bank, so as to instruct the core system to transfer the fund in the virtual account to the corresponding transferred account based on the information of the fund to be withdrawn in the fund withdrawal request; or if the type of the transferred-in account in the fund withdrawal request is a public account and does not belong to the bank, forwarding the fund withdrawal request to the first pair of external payment platforms to instruct the first pair of external payment platforms to transfer the fund in the virtual account to the corresponding transferred-in account based on the information of the fund to be withdrawn in the fund withdrawal request.
In another aspect, an embodiment of the present specification further provides a resource processing system, including: a management system and a plurality of resource handling systems;
the management system is used for receiving a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted; judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request; summarizing the resource extraction requests meeting the batch processing conditions; based on the carried information of the transferred account and the resources to be extracted, the aggregated resource extraction requests are sent to the corresponding resource processing systems in batches for processing;
and the resource management system is used for transferring the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account based on the information carried in the received resource extraction request.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects: the management system collects the resource processing requests meeting the batch processing conditions and sends the resource processing requests to the corresponding resource management system in batches for processing, so that the resource processing process can be simplified, the processing timeliness under high concurrent resource processing requests is improved, and the processing process is easy to trace.
Drawings
The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the principles of the specification and not to limit the specification in a limiting sense. In the drawings:
FIG. 1 is a schematic flow chart diagram of a resource handling method in accordance with one embodiment of the present description;
FIG. 2 is a schematic flow chart diagram of another resource handling method in accordance with an embodiment of the present description;
FIG. 3 is a schematic flow chart diagram of yet another resource handling method in accordance with an embodiment of the present description;
FIG. 4 is a schematic flow chart diagram of a method of funding according to one embodiment of the present description;
FIG. 5 is a schematic flow chart diagram of another method of funding according to an embodiment of the present description;
FIG. 6 is a schematic flow chart diagram of yet another method of funding according to an embodiment of the present description;
FIG. 7 is a block diagram of a resource processing apparatus according to one embodiment of the present description;
FIG. 8 is a block diagram of another resource processing device according to one embodiment of the present description;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Referring to fig. 1, fig. 1 is a schematic flow chart of a resource processing method according to an embodiment of the present disclosure, as shown in fig. 1, the method includes:
s102, the management system receives a resource extraction request, and the resource extraction request is used for extracting resources from a specified resource account.
In the embodiment of the present specification, the resource extraction request carries information about the transfer to an account, the resource transfer mode, and the resource to be extracted. The information transferred to the account may include, but is not limited to, a type of the transferred account, a resource manager to which the transferred account belongs, and an account identifier, for example, a bank transfer scenario is taken as an example, the type of the transferred account may include a public account and a private account, and the account identifier may include a bank account number and the like.
The resource transfer mode is used for indicating whether to extract the resources through the internal intermediate account of the resource manager to which the specified resource account belongs.
The information of the resource to be extracted may include the number of the resource to be extracted, an identifier of the resource, and the like, where the identifier of the resource is used to uniquely identify the resource.
And S104, judging whether the resource extraction request meets the batch processing condition or not based on the information of the transferred account and the resource transfer mode in the resource extraction request.
In this embodiment of the present specification, the batch processing condition may include that the resource transfer mode is resource extraction performed by specifying an internal intermediate account of a resource manager to which the resource account belongs, or the type of the transferred account is a preset account type. The internal intermediate account of the resource management party refers to an account which is used for caching and transferring the resource to be extracted and is internal to the resource management party.
The preset account can be set in a user-defined manner according to actual business needs, for example, the type of the transferred account includes a public account and a private account, and the type of the preset account can be set as the private account.
And S106, summarizing the resource extraction requests meeting the batch processing conditions.
When the management system receives a resource extraction request meeting the batch processing condition, the management system can cache the resource extraction request to wait for subsequent uniform batch processing.
And S108, sending the aggregated resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted.
In this embodiment, the management system may forward the aggregated resource extraction request to the corresponding resource processing system in parallel based on the type of the carried transfer-in account and the resource management party to which the resource management party belongs, so as to instruct the corresponding resource processing system to extract the corresponding resource to be extracted from the specified resource account and transfer the extracted resource to the corresponding transfer-in account.
Specifically, the resource processing system may include an internal processing system and an external processing system, where the resource extraction request that can be processed by the internal processing system includes a resource extraction request that is not a preset account type and that belongs to a resource manager that is the same as a resource manager to which the specified resource account belongs, the external processing system may include a first external processing system and a second external processing system, the resource extraction request that can be processed by the first external processing system includes a resource extraction request that is not a preset account type and that belongs to a resource manager that is different from the resource manager to which the specified resource account belongs, and the resource extraction request that can be processed by the second external processing system includes a resource extraction request that is a preset account type and that is a transferred account.
By adopting the resource processing method provided by the embodiment, the management system collects the resource processing requests meeting the batch processing conditions and sends the resource processing requests to the corresponding resource management system in batches for processing, so that the resource processing process can be simplified, the processing timeliness under the condition of high concurrent resource processing requests can be improved, and the processing process can be traced easily.
The following explains the implementation of the above resource processing method in detail.
In an alternative embodiment, as shown in fig. 2, the step S106 may include: s1061, summarizing the information of the resources to be extracted in the first-class resource extraction request to obtain the information of the target extracted resources, wherein the first-class resource extraction request comprises a resource transfer mode which is a resource extraction request for extracting resources through the internal intermediate account. Accordingly, the step S108 may include: s1081, sending the information of the target extraction resource to the internal processing system to instruct the internal processing system to transfer the target extraction resource from the specified resource account to an internal intermediate account of a resource manager to which the specified resource account belongs. S1082, based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, the first-class resource extraction requests are parallelly forwarded to the corresponding resource processing system, so that the corresponding resource processing system is instructed to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account.
For example, as shown in fig. 3, the management system receives a resource extraction request for extracting resources from a specified resource account, and if the resource extraction request is a first type of resource extraction request, that is, the resource transfer manner carried by the first type of resource extraction request is to extract resources through an internal intermediate account of a resource management party to which the specified resource account belongs, records information of resources to be extracted carried by the first type of resource extraction request, and waits for batch processing. And then, when the preset trigger condition is met (if the current time reaches the set batch processing time or the number of the received resource extraction requests reaches the preset number), summarizing the information of the resources to be extracted carried in all the first resource extraction requests to obtain the information of the target extraction resources. Further, the management system sends the information of the target extraction resource to the internal processing system, and the internal processing system transfers the target extraction resource from the specified resource account to the internal intermediate account. Then, for each first-class resource extraction request, if the type of the transferred account in the first-class resource extraction request is not a preset account type and belongs to the same resource manager as the specified resource account, the management system forwards the first-class resource extraction request to an internal processing system, and the internal processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first-class resource extraction request; if the type of the transferred account in the first type of resource extraction request is not a preset account type and does not belong to the same management party as the specified resource account, the management system forwards the first type of resource extraction request to a first external processing system, and the first external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request; if the type of the transferred account in the first type of resource extraction request is a preset account type, the management system forwards the first type of resource extraction request to a second external-to-external processing system, and the second external-to-external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request.
It can be understood that, in this embodiment, the management system caches and summarizes the information of the resources to be extracted in all the first-class resource extraction requests into the internal intermediate account of the resource management party, and then distributes the information to the corresponding transfer accounts in parallel through the internal intermediate account, so that the processing timeliness under the condition of high concurrent resource processing requests can be further improved, and compared with directly transferring the extracted resources in the specified resource account to each transfer account, the resource processing process can be simplified, resource processing confusion is avoided, and then the processing process of each resource processing request can be traced conveniently.
In another alternative embodiment, as shown in fig. 2, the step S106 may further include: and S1062, summarizing second-class resource extraction requests meeting batch processing conditions, wherein the second-class resource extraction requests refer to resource extraction requests carried by transferred accounts and having preset account types. Correspondingly, the step S108 may further include: and S1083, the aggregated second-class resource extraction requests are parallelly forwarded to the resource processing systems corresponding to the preset account types, so that the corresponding resource processing systems are instructed to transfer the corresponding resources to be extracted from the specified resource accounts to the corresponding transfer accounts.
For example, as shown in fig. 3, if the resource extraction request received by the management system is a second type of resource extraction request, that is, the type of the transferred account is a preset account type, the management system caches the second type of resource extraction request and waits for batch processing. And then, when a preset trigger condition is met (for example, the current time reaches the set batch processing time or the number of the received resource extraction requests reaches a preset number), all the cached second-class resource extraction requests are sent to a second external processing system in parallel, and the second external processing system transfers the corresponding resources to be extracted from the specified resource account to the corresponding transferred account based on the information of the transferred account and the resources to be extracted carried in the received second-class resource extraction requests.
It can be understood that, in this embodiment, for a resource extraction request that does not need to be extracted from an internal intermediate account and is transferred to an account and is of a preset account type, because such a resource extraction request generally needs to interact with an external service system, the management system collects such resource extraction requests and then sends the collected resource extraction requests to a corresponding external processing system in batch for uniform processing, and thus the problems of poor timeliness and easy error caused by frequent interaction with the external service system can be avoided.
Further, as shown in fig. 2, the resource processing method may further include:
and S110, if the received resource extraction request does not meet the batch processing condition, forwarding the resource extraction request to the corresponding resource processing system based on the resource management party to which the transferred account belongs in the resource extraction request so as to instruct the corresponding resource processing system to transfer the resource in the specified resource account to the transferred account based on the information of the resource to be extracted carried in the resource extraction request.
For example, as shown in fig. 3, each time the management system receives a resource extraction request, if the type of the transferred account carried in the resource extraction request is not the preset account type and the resource extraction manner indicates that the resource extraction is not performed through the internal intermediate account of the resource management party to which the specified resource account belongs, the resource extraction request is sent to the second external-to-external processing system, and the second external-to-external processing system transfers the corresponding resource to be extracted from the specified resource account to the corresponding transferred account based on the information of the transferred account and the resource to be extracted carried in the resource extraction request.
It can be understood that, in this embodiment, for a resource extraction request that does not satisfy a batch processing condition, the management system performs processing in an immediate processing manner, which can improve processing timeliness of such resource extraction requests on one hand, and can enhance flexibility and diversity of resource processing manners on the other hand.
The implementation process of the resource processing method is exemplified above, including interaction between the management system and various resource processing systems. In order to more intuitively explain the design concept and technical effect of the embodiment of the present specification, the following describes the implementation process of the embodiment of the present specification by taking a scenario that the above resource processing method is applied to fund raising from a bank to a virtual account under a public account as an example. Specifically, the resource processing method is embodied as a fund withdrawal method, the management system is embodied as a bank public system, the designated resource account is embodied as a virtual account of the bank under the designated public account, the resource withdrawal request is embodied as a fund withdrawal request, the resource transfer mode is embodied as an posting mode, and the information of the resource to be withdrawn is embodied as the information of the fund to be withdrawn. The posting mode is used for indicating whether to cash out funds through an internal intermediate account of the bank, the internal intermediate account of the bank is a special account for posting in the bank, and the daily end balance of the account is usually zero. The above explanation and description of the resource processing method can be applied to the following specific application scenario of the fund presentation method, and the content is repeated or not repeated.
It should be noted that, except the following application scenario of raising funds from a bank to a virtual account under a public account, the resource processing method provided in the embodiment of the present specification may also be applied to an application scenario of transferring internet resource information such as software and hardware resources, and is not described herein again.
Fig. 4 is a schematic flow chart of a fund withdrawal method provided in an embodiment of the present specification, where the method specifically includes the following steps:
s202, the bank receives a fund withdrawal request to the public system, and the fund withdrawal request is used for withdrawing funds from the virtual account under the designated public account.
In the embodiment of the present specification, the fund withdrawal request carries information of the transfer-in account, the posting mode and the fund to be withdrawn. The information transferred to the account may include the type of the transferred account, the bank to which the transferred account belongs, an account identifier, and the like, the account identifier may include, for example, a bank account number, and the type of the transferred account may include a public account and a private account.
The posting mode is used for indicating whether to cash up through an internal intermediate account of the bank.
The information of the funds to be presented may for example comprise the amount, currency, etc. of the funds to be presented.
S204, judging whether the fund withdrawal request meets the batch processing condition or not based on the information of the account transfer and posting mode in the fund withdrawal request.
Wherein the batch processing conditions include: the posting mode is that the fund withdrawal is carried out through an internal intermediate account of the bank or the type of the transferred account is a private account.
S206, summarizing the fund withdrawal requests meeting the batch processing conditions.
And S208, sending the summarized fund withdrawal request to the corresponding withdrawal processing system in batches for batch processing based on the carried information of the transferred account and the fund to be withdrawn.
In an alternative embodiment, as shown in fig. 5, the step S206 may include: s2061, regarding the first-class fund withdrawal requests, namely the fund withdrawal requests with the posting mode of withdrawing funds through the internal intermediate accounts of the bank, the information of the funds to be withdrawn carried in all the first-class fund withdrawal requests can be summarized to obtain the information of the target withdrawal funds. Accordingly, the step S208 may include: s2081, sending the information of the target cash-out fund to a core system of a bank to instruct the core system to transfer the target cash-out fund from the virtual account under the designated public account to an internal intermediate account; and S2082, based on the type of the transferred account in each first-type fund withdrawal request and the bank to which the first-type fund withdrawal request belongs, parallelly forwarding each first-type fund withdrawal request to the corresponding resource processing system so as to instruct the corresponding resource processing system to transfer the corresponding fund to be withdrawn to the corresponding transferred account from the internal intermediate account.
The resource processing system of the bank comprises a core system, a first pair of external payment platforms and a second pair of external payment platforms, wherein the core system is used for processing a fund withdrawal request of a transferred account which is a public account and belongs to the bank, the first pair of external payment platforms are used for processing the fund withdrawal request of the transferred account which is the public account and does not belong to the bank, and the second pair of external payment platforms are used for processing the fund withdrawal request of the transferred account which is a private account.
In another alternative embodiment, as shown in fig. 5, the step S206 may further include: s2062, the fund withdrawal request of the second type is summarized, namely the fund withdrawal request transferred into the account to the private account is summarized. Accordingly, the step S208 may further include: and S2083, forwarding all the second-class fund withdrawal requests to a second external payment platform in parallel to instruct the second external payment platform to transfer the corresponding funds to be withdrawn from the virtual account under the appointed public account to the corresponding transfer account.
Further, as shown in fig. 5, the fund withdrawal method may further include:
and S210, if the type of the transferred account in the received fund withdrawal request is a public account and belongs to the bank, forwarding the fund withdrawal request to the core system to indicate the core system to transfer the fund in the virtual account appointed to the public account to the transferred account based on the information of the fund to be withdrawn carried in the fund withdrawal request.
And S212, if the type of the transferred account carried in the received fund withdrawal request is a public account and does not belong to the bank, forwarding the fund withdrawal request to the first pair of external payment platforms to instruct the first pair of external payment platforms to transfer the fund in the virtual account under the appointed public account to the transferred account based on the information of the fund to be withdrawn carried in the fund withdrawal request.
The fund withdrawal method provided by the above-mentioned embodiments of the present specification is described in detail below with reference to fig. 6. Since the fund withdrawal method is an application of the resource processing method in a specific scene, the related description about the fund processing method is applicable to the fund withdrawal method.
As shown in fig. 6, the client system of the bank sends a fund withdrawal request for withdrawing funds from a virtual account under a designated real account of the bank to the public system, and the public system determines whether the fund withdrawal request satisfies the batch processing condition after receiving the fund withdrawal request. If the fund withdrawal request meets the batch processing condition, namely the fund withdrawal request is a first-class fund withdrawal request (the carried posting mode indicates that the fund withdrawal is carried out through an internal intermediate account of the bank) or a second-class fund withdrawal request (the carried transfer account is a private account), caching the fund withdrawal request for a public system to wait for batch processing.
When the preset triggering conditions are met (if the current time reaches the set batch processing time or the number of the received fund withdrawal requests meeting the batch processing conditions reaches the preset number), for the cached first-class fund withdrawal requests, summarizing information of funds to be withdrawn in all the first-class fund withdrawal requests to the public system to obtain information of target withdrawal funds, sending the information of the target withdrawal funds to the core system, transferring the target withdrawal funds from the virtual account to an internal intermediate account by the core system, and returning a transaction processing result of the intermediate account to the public system. Further, aiming at each first-class fund withdrawal request cached by the public system, if the type of the transferred account in the first-class fund withdrawal request is a public account and belongs to the bank, sending the information of the fund to be withdrawn carried in the first-class fund withdrawal request and the information of the transferred account to the core system, and transferring the fund to be withdrawn to the transferred account from an internal intermediate account by the core system; if the type of the transferred account in the first type of fund withdrawal request is a public account and does not belong to the bank, sending the information of the fund to be withdrawn carried in the first type of fund withdrawal request and the information of the transferred account to a first payment platform, and transferring the fund to be withdrawn from an internal intermediate account to the transferred account by the first payment platform; and if the type of the transferred account in the first-class fund withdrawal request is a private account, sending the information of the fund to be withdrawn carried in the first-class fund withdrawal request and the information of the transferred account to a second payment platform, and transferring the fund to be withdrawn to the transferred account from an internal middle account by the second payment platform.
And for the cached second-class fund withdrawal requests, sending the information of the funds to be withdrawn carried in all the second-class fund withdrawal requests and the information of the transferred accounts to a second payment platform in batches for the public system, and transferring each fund to be withdrawn from the virtual account to the corresponding transferred account by the second payment platform.
If the fund withdrawal request received by the public system does not meet the batch processing condition, namely the type of the fund withdrawal request is a public account, the public system further judges whether a transfer-in account of the fund withdrawal request belongs to the bank or not, if so, the information of the fund to be withdrawn carried in the fund withdrawal request and the information of the transfer-in account are sent to a core system, and the core system transfers the fund to be withdrawn from a virtual account to the transfer-in account; and if not, sending the information of the funds to be found and the information of the transferred account carried in the fund withdrawal request to the first payment platform, and transferring the funds to be found from the virtual account to the transferred account by the first payment platform.
In the fund withdrawal method provided by the embodiment, the management system collects the fund withdrawal requests meeting the batch processing conditions and sends the collected fund withdrawal requests to the corresponding withdrawal processing systems in batches for processing, so that the processing process of withdrawal business can be simplified, the processing timeliness of high-concurrence withdrawal business is improved, and the processing process of the withdrawal business is easy to trace. Moreover, a virtual account system is integrated in the public system, so that the whole cash withdrawal processing process is not completely dependent on a core system, and the flexibility of cash withdrawal processing is improved.
It should be noted that all execution subjects of the steps of the method provided in the embodiments of the present specification may be the same device, or the method may also be executed by different devices. The resource processing method and the fund withdrawal method provided by the embodiments of the present specification are explained above. Correspondingly, the embodiment of the present specification further provides a corresponding apparatus, which specifically includes:
a resource processing apparatus shown in fig. 7 is applied to a management system of a resource manager, and includes:
the receiving module 710 is configured to receive a resource extraction request, where the resource extraction request is used to extract a resource from an assigned resource account, and the resource extraction request carries information about an account to be transferred, a resource transfer mode, and a resource to be extracted.
And the identifying module 720 is configured to determine whether the resource extraction request meets the batch processing condition based on the information about the account transfer and the resource transfer mode in the resource extraction request.
And the summarizing module 730 is used for summarizing the resource extraction requests meeting the batch processing conditions.
The first processing module 740 is configured to send the aggregated resource extraction requests to the corresponding resource processing systems in batch for processing based on the carried information of the transferred account and the resource to be extracted.
Optionally, the batch processing condition includes that a resource transfer mode is to extract resources through an internal intermediate account of a resource manager to which the specified resource account belongs or a type of the transferred account is a preset account type;
the summarizing module 730 is specifically configured to:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for extracting resources through the internal intermediate account in a resource transfer mode;
the first processing module 740 is specifically configured to:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
and based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, forwarding all the first-class resource extraction requests to the corresponding resource processing system in parallel to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account, wherein the resource processing system comprises an internal processing system and an external processing system.
Optionally, the summarizing module 730 is further specifically configured to:
summarizing a second type of resource extraction request, wherein the second type of resource extraction request refers to that the carried transferred account type is a preset account type;
the first processing module 740 is further specifically configured to:
and forwarding the aggregated second-class resource extraction requests to the external processing system in batch to instruct the external processing system to transfer the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account.
Optionally, as shown in fig. 8, the apparatus 700 further includes:
a second processing module 750, configured to forward the resource extraction request to a corresponding resource processing system based on a resource manager to which a transfer-in account belongs in the resource extraction request if the resource extraction request does not satisfy the batch processing condition, so as to instruct the corresponding resource processing system to transfer the resource in the specified resource account to the corresponding transfer-in account based on the information of the resource to be extracted in the resource extraction request.
Optionally, the management system is a public system of a bank, the resource processing system is a cash withdrawal processing system of the bank, the specified resource account is a virtual account under a specified public-real account of the bank, the resource withdrawal request is a fund withdrawal request, the resource transfer mode is an posting mode, the posting mode is used for indicating whether to withdraw funds through an internal intermediate account of the bank, and the information of the resources to be withdrawn is information of funds to be withdrawn.
Optionally, the batch processing condition includes that an posting mode is that funds are withdrawn through an internal intermediate account of the bank or a type of transfer account is a private-to-private account;
the summarizing module 730 is specifically configured to:
summarizing information of funds to be withdrawn in first-class fund withdrawal requests to obtain information of target withdrawn funds, wherein the first-class fund withdrawal requests comprise fund withdrawal requests for withdrawing funds through internal intermediate accounts of the bank in an posting manner;
the first processing module 740 is specifically configured to:
sending the information of the target cash-out fund to a core system of the bank to instruct the core system to transfer the target cash-out fund from the virtual account to the internal intermediate account;
based on the type of the transfer-in account in each first-class fund withdrawal request and the bank to which the first-class fund withdrawal request belongs, parallelly forwarding each first-class fund withdrawal request to the corresponding withdrawal processing system so as to instruct the corresponding withdrawal processing system to transfer the corresponding fund to be withdrawn from the internal intermediate account to the corresponding transfer-in account;
the transfer account type comprises a private account and a public account, the cash withdrawal processing system comprises a core system, a first external payment platform and a second external payment platform of the bank, the core system is used for processing a cash withdrawal request of the transfer account, wherein the fund withdrawal request belongs to the bank, the first external payment platform is used for processing the cash withdrawal request of the transfer account, and the second external payment platform is used for processing the cash withdrawal request of the transfer account, wherein the first external payment platform is used for processing the cash withdrawal request of the transfer account, and the second external payment platform is used for processing the cash withdrawal request of the transfer account.
Optionally, the summarizing module 730 is further specifically configured to:
summarizing second-type fund withdrawal requests, wherein the second-type fund withdrawal requests comprise fund withdrawal requests transferred into an account as a private account;
optionally, the first processing module 740 is further specifically configured to:
and forwarding the summarized second-type fund withdrawal request to the second pair of external payment platforms in batch to instruct the second pair of external payment platforms to transfer the corresponding funds to be withdrawn from the virtual account to the corresponding transfer account.
Optionally, as shown in fig. 8, the apparatus 700 further includes:
a third processing module 760, configured to forward the fund withdrawal request to the core system if the type of the transfer-in account in the fund withdrawal request is a public account and belongs to the bank, so as to instruct the core system to transfer the fund in the virtual account to the corresponding transfer-in account based on the information of the fund to be withdrawn in the fund withdrawal request; or if the type of the transferred-in account in the fund withdrawal request is a public account and does not belong to the bank, forwarding the fund withdrawal request to the first pair of external payment platforms to instruct the first pair of external payment platforms to transfer the fund in the virtual account to the corresponding transferred-in account based on the information of the fund to be withdrawn in the fund withdrawal request.
Fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 9, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 9, but this does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the resource processing device on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:
the management system receives a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted;
judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request;
summarizing the resource extraction requests meeting the batch processing conditions;
and sending the aggregated resource extraction requests to a corresponding resource processing system in batch for processing based on the carried information of the transferred account and the resources to be extracted.
The method executed by the resource processing device according to the embodiment shown in fig. 1 in this specification can be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
The electronic device may further execute the method in fig. 1 and implement the functions of the resource processing apparatus in the embodiments shown in fig. 1 to fig. 3, which are not described herein again in this specification.
Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.
Embodiments of the present specification also propose a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiment shown in fig. 1, and in particular to perform the following:
the management system receives a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted;
judging whether the resource extraction request meets batch processing conditions or not based on information of transferred accounts and resource transfer modes in the resource extraction request;
summarizing the resource extraction requests meeting the batch processing conditions;
and sending the aggregated resource extraction requests to a corresponding resource processing system in batch for processing based on the carried information of the transferred account and the resources to be extracted.
Correspondingly, an embodiment of the present specification further provides a resource processing system, including: a management system and a plurality of resource processing systems;
the management system is used for receiving a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted; judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request; summarizing the resource extraction requests meeting the batch processing conditions; based on the carried information of the transferred account and the resources to be extracted, the aggregated resource extraction requests are sent to the corresponding resource processing systems in batches for processing;
and the resource management system is used for transferring the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account based on the information carried in the received resource extraction request.
In particular, the resource processing system may include an internal processing system, a first external processing system, and a second external processing system.
The system comprises an internal processing system, a first external processing system and a second external processing system, wherein the internal processing system is used for processing a first type of resource extraction request which is not a preset account type and belongs to the same resource management party with the specified resource account, the first external processing system is used for processing the first type of resource extraction request which is not a preset account type and does not belong to the same resource management party with the specified resource account, and the first type of resource extraction request comprises a resource extraction request which carries a resource extraction mode of resource extraction through an internal intermediate account of the resource management party to which the specified resource account belongs. The second external processing system is used for processing a second resource extraction request with the type of the transferred account being a preset account type. The interaction process between the management system and the resource processing system may refer to the resource processing method described in fig. 1 to 3.
Illustratively, the management system may be embodied as a bank-to-public system, the specified resource account is embodied as a virtual account of the bank under the specified to-public account, the resource extraction request is embodied as a fund withdrawal request, the resource transfer mode is embodied as an posting mode, and the information of the resource to be extracted is embodied as the information of the fund to be withdrawn. The posting mode is used for indicating whether fund withdrawal is carried out through an internal intermediate account of the bank, the internal intermediate account of the bank is a special account for posting in the bank, and the daily end balance of the account is usually zero. Accordingly, the internal processing system may be embodied as a core system of a bank, the first external processing system may be embodied as a first external payment platform of the bank, and the second external processing system may be embodied as a second external payment platform of the bank. The interaction process among the bank's official system, the core system, the first offside payment platform and the second offside payment platform can be seen in the fund withdrawal method shown in fig. 3.
It should be noted that, in practical applications, taking a scenario of giving a virtual account under a public account from a bank as an example, corresponding functional modules may be configured for the management system, the core system, and each payment platform according to specific business needs, so as to implement one or more of the following functions: paying out money from the balance of the specified type, verifying a verification code, collecting and withdrawing cash, displaying virtual account information through an electronic receipt, moving account notification and the like. In addition, the transfer flow of each step executed by each system can be recorded and correlated, so that the subsequent account checking and tracing can be facilitated, and the ordered processing of the whole fund withdrawal business can be ensured.
In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present specification shall be included in the protection scope of the present specification.
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.
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 magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that 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 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.

Claims (8)

1. A method for processing resources, comprising:
the management system receives a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted;
judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request;
summarizing the resource extraction requests meeting the batch processing conditions;
based on the carried information of the transferred account and the resource to be extracted, the aggregated resource extraction requests are sent to the corresponding resource processing systems in batches for processing;
the resource processing system comprises an internal processing system and an external processing system, wherein the resource extraction request which can be processed by the internal processing system comprises a resource extraction request which is not transferred to an account and is of a type which is not a preset account type and belongs to a resource management party which is the same as the resource management party to which the specified resource account belongs, the external processing system comprises a first external processing system and a second external processing system, the resource extraction request which can be processed by the first external processing system comprises a resource extraction request which is not transferred to the account and is of a type which is not the preset account type and belongs to a resource management party which is different from the resource management party to which the specified resource account belongs, and the resource extraction request which can be processed by the second external processing system comprises a resource extraction request which is transferred to the account and is of the preset account type;
if the resource extraction request does not meet the batch processing condition, based on a resource manager to which a transfer account belongs in the resource extraction request, forwarding the resource extraction request to a corresponding resource processing system to instruct the corresponding resource processing system to transfer the resources in the specified resource account to the corresponding transfer account based on the information of the resources to be extracted in the resource extraction request;
when the management system receives a resource extraction request, if the type of a transferred account carried in the resource extraction request is not a preset account type and the resource extraction mode indicates that the resource extraction is not performed through an internal intermediate account of a resource management party to which the specified resource account belongs, the resource extraction request is sent to a second external processing system, and the second external processing system transfers the corresponding resource to be extracted from the specified resource account to the corresponding transferred account based on the information of the transferred account and the resource to be extracted carried in the resource extraction request;
the batch processing condition comprises a resource transfer mode, namely resource extraction is carried out through an internal intermediate account of a resource manager to which the specified resource account belongs or the type of a transferred account is a preset account type;
the summarizing of the resource extraction requests meeting the batch processing conditions comprises the following steps:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for extracting resources through the internal intermediate account in a resource transfer mode;
the method for processing the resource extraction requests comprises the following steps of sending the aggregated resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted, and comprises the following steps:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, parallelly forwarding all the first-class resource extraction requests to the corresponding resource processing system so as to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account;
the management system receives a resource extraction request for extracting resources from a specified resource account, and if the resource extraction request is a first-class resource extraction request, namely the resource transfer mode is to extract resources through an internal intermediate account of a resource management party to which the specified resource account belongs, information of resources to be extracted carried by the first-class resource extraction request is recorded, and batch processing is waited; when the preset trigger condition is met, summarizing the information of the resources to be extracted carried in all the first-class resource extraction requests to obtain the information of the target extracted resources; the management system sends the information of the target extraction resources to the internal processing system, and the internal processing system transfers the target extraction resources from the specified resource account to the internal intermediate account; for each first-class resource extraction request, if the type of the transferred account in the first-class resource extraction request is not a preset account type and belongs to the same resource management party as the specified resource account, the management system forwards the first-class resource extraction request to an internal processing system, and the internal processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first-class resource extraction request; if the type of the transferred account in the first type of resource extraction request is not a preset account type and does not belong to the same management party as the specified resource account, the management system forwards the first type of resource extraction request to a first external processing system, and the first external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request; if the type of the transferred account in the first type of resource extraction request is a preset account type, the management system forwards the first type of resource extraction request to a second external-to-external processing system, and the second external-to-external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request.
2. The method of claim 1, wherein aggregating resource extraction requests that satisfy the batch processing condition further comprises:
summarizing a second type of resource extraction request, wherein the second type of resource extraction request refers to that the carried type of the transferred account is a preset account type;
the method comprises the following steps of sending aggregated resource extraction requests to corresponding resource processing systems in batch for processing based on carried information of transferred accounts and resources to be extracted, and further comprises the following steps:
and forwarding the aggregated second-class resource extraction requests to the external processing system in batch to instruct the external processing system to transfer the corresponding resources to be extracted from the specified resource account to the corresponding transfer-in account.
3. The method according to claim 1 or 2, wherein the management system is a bank's register system, the resource processing system is a cash-out processing system of the bank, the specified resource account is a virtual account of the bank under a specified register account, the resource withdrawal request is a cash-out request, the resource transfer mode is an posting mode, the posting mode is used for indicating whether to withdraw funds through an internal intermediate account of the bank, and the information of the resources to be withdrawn is information of the funds to be withdrawn.
4. The method according to claim 3, wherein the batch processing condition comprises an posting mode of withdrawal of funds through an internal intermediate account of the bank or transfer of the funds into the account being a private account;
the summarizing of the resource extraction requests meeting the batch processing conditions comprises the following steps:
summarizing information of funds to be withdrawn in first-class fund withdrawal requests to obtain information of target withdrawn funds, wherein the first-class fund withdrawal requests comprise fund withdrawal requests for withdrawing funds through internal intermediate accounts of the bank in an posting manner;
the method for processing the collected resource extraction requests in batches based on the carried information of the transferred accounts and the resources to be extracted comprises the following steps:
sending information of the target withdrawal funds to a core system of the bank to instruct the core system to transfer the target withdrawal funds from the virtual account to the internal intermediate account;
based on the type of the transfer-in account in each first-class fund withdrawal request and the bank to which the first-class fund withdrawal request belongs, parallelly forwarding each first-class fund withdrawal request to the corresponding withdrawal processing system so as to instruct the corresponding withdrawal processing system to transfer the corresponding fund to be withdrawn from the internal intermediate account to the corresponding transfer-in account;
the transfer account type comprises a private account and a public account, the cash withdrawal processing system comprises a core system, a first external payment platform and a second external payment platform of the bank, the core system is used for processing a cash withdrawal request of the transfer account, wherein the fund withdrawal request belongs to the bank, the first external payment platform is used for processing the cash withdrawal request of the transfer account, and the second external payment platform is used for processing the cash withdrawal request of the transfer account, wherein the first external payment platform is used for processing the cash withdrawal request of the transfer account, and the second external payment platform is used for processing the cash withdrawal request of the transfer account.
5. The method of claim 4, wherein aggregating resource extraction requests that satisfy the batch processing condition further comprises:
summarizing second-type fund withdrawal requests, wherein the second-type fund withdrawal requests comprise fund withdrawal requests transferred into an account as a private account;
the method comprises the following steps of sending aggregated resource extraction requests to corresponding resource processing systems in batch for processing based on carried information of transferred accounts and resources to be extracted, and further comprises the following steps:
and forwarding the summarized second-type fund withdrawal request to the second pair of external payment platforms in batch to instruct the second pair of external payment platforms to transfer the corresponding funds to be withdrawn from the virtual account to the corresponding transfer account.
6. The method of claim 4, further comprising:
if the type of the transferred account in the fund withdrawal request is a public account and belongs to the bank, forwarding the fund withdrawal request to the core system so as to instruct the core system to transfer the fund in the virtual account to the corresponding transferred account based on the information of the fund to be withdrawn in the fund withdrawal request; alternatively, the first and second electrodes may be,
and if the type of the transferred-in account in the fund withdrawal request is a public account and does not belong to the bank, forwarding the fund withdrawal request to the first pair of external payment platforms to instruct the first pair of external payment platforms to transfer the fund in the virtual account to the corresponding transferred-in account based on the information of the fund to be withdrawn in the fund withdrawal request.
7. A resource processing apparatus applied to a management system includes:
the resource extraction module is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted;
the identification module is used for judging whether the resource extraction request meets batch processing conditions or not based on the information of the transferred account and the resource transfer mode in the resource extraction request;
the summarizing module is used for summarizing the resource extraction requests meeting the batch processing conditions;
the first processing module is used for sending the aggregated resource extraction requests to the corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted;
the resource processing system comprises an internal processing system and an external processing system, wherein the resource extraction request which can be processed by the internal processing system comprises a resource extraction request which is not transferred to an account and is of a type which is not a preset account type and belongs to a resource management party which is the same as the resource management party to which the specified resource account belongs, the external processing system comprises a first external processing system and a second external processing system, the resource extraction request which can be processed by the first external processing system comprises a resource extraction request which is not transferred to the account and is of a type which is not the preset account type and belongs to a resource management party which is different from the resource management party to which the specified resource account belongs, and the resource extraction request which can be processed by the second external processing system comprises a resource extraction request which is transferred to the account and is of the preset account type;
the second processing module is used for forwarding the resource extraction request to a corresponding resource processing system based on a resource management party to which a transfer-in account belongs in the resource extraction request if the resource extraction request does not meet the batch processing condition so as to instruct the corresponding resource processing system to transfer the resources in the specified resource account to the corresponding transfer-in account based on the information of the resources to be extracted in the resource extraction request;
when the management system receives a resource extraction request, if the type of a transferred account carried by the resource extraction request is not a preset account type and the resource extraction mode indicates that the resource extraction is not performed through an internal intermediate account of a resource management party to which the specified resource account belongs, the resource extraction request is sent to a second external processing system, and the second external processing system transfers the corresponding resources to be extracted from the specified resource account to the corresponding transferred account based on the information of the transferred account and the resources to be extracted carried by the resource extraction request;
the batch processing condition comprises a resource transfer mode, namely resource extraction is carried out through an internal intermediate account of a resource manager to which the specified resource account belongs or the type of the transferred account is a preset account type;
the summarization module is specifically configured to:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for extracting resources through the internal intermediate account in a resource transfer mode;
the first processing module is specifically configured to:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, parallelly forwarding all the first-class resource extraction requests to the corresponding resource processing system so as to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account;
the management system receives a resource extraction request for extracting resources from a specified resource account, and if the resource extraction request is a first-class resource extraction request, namely the resource transfer mode is to extract resources through an internal intermediate account of a resource management party to which the specified resource account belongs, information of resources to be extracted carried by the first-class resource extraction request is recorded, and batch processing is waited; when the preset trigger condition is met, summarizing the information of the resources to be extracted carried in all the first-class resource extraction requests to obtain the information of the target extracted resources; the management system sends the information of the target extraction resources to the internal processing system, and the internal processing system transfers the target extraction resources from the specified resource account to the internal intermediate account; for each first-class resource extraction request, if the type of the transferred account in the first-class resource extraction request is not a preset account type and belongs to the same resource management party as the specified resource account, the management system forwards the first-class resource extraction request to an internal processing system, and the internal processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first-class resource extraction request; if the type of the transferred account in the first type of resource extraction request is not a preset account type and does not belong to the same management party as the specified resource account, the management system forwards the first type of resource extraction request to a first external processing system, and the first external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request; if the type of the transferred account in the first type of resource extraction request is a preset account type, the management system forwards the first type of resource extraction request to a second external-to-external processing system, and the second external-to-external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request.
8. A resource processing system, comprising: a management system and a plurality of resource handling systems;
the management system is used for receiving a resource extraction request, wherein the resource extraction request is used for extracting resources from a specified resource account, and the resource extraction request carries information of transferred accounts, resource transfer modes and resources to be extracted; judging whether the resource extraction request meets batch processing conditions or not based on information of account transfer and resource transfer modes in the resource extraction request; summarizing the resource extraction requests meeting the batch processing conditions; based on the carried information of the transferred account and the resources to be extracted, the aggregated resource extraction requests are sent to the corresponding resource processing systems in batches for processing; if the resource extraction request does not meet the batch processing condition, based on a resource manager to which a transfer account belongs in the resource extraction request, forwarding the resource extraction request to a corresponding resource processing system to instruct the corresponding resource processing system to transfer the resources in the specified resource account to the corresponding transfer account based on the information of the resources to be extracted in the resource extraction request;
the resource processing system is used for transferring the corresponding resource to be extracted from the specified resource account to the corresponding transfer-in account based on the information carried in the received resource extraction request;
the resource processing system comprises an internal processing system, a first external processing system and a second external processing system, wherein the internal processing system is used for processing a first type of resource extraction request which is transferred to an account and is not a preset account type and belongs to the same resource management party with the specified resource account, the first external processing system is used for processing a first type of resource extraction request which is transferred to an account and is not a preset account type and not belongs to the same resource management party with the specified resource account, and the first type of resource extraction request comprises a resource extraction request which carries a resource extraction mode of extracting resources through an internal intermediate account of the resource management party to which the specified resource account belongs; the second external processing system is used for processing a second resource extraction request with the type of the transferred account being a preset account type;
when the management system receives a resource extraction request, if the type of a transferred account carried by the resource extraction request is not a preset account type and the resource extraction mode indicates that the resource extraction is not performed through an internal intermediate account of a resource management party to which the specified resource account belongs, the resource extraction request is sent to a second external processing system, and the second external processing system transfers the corresponding resources to be extracted from the specified resource account to the corresponding transferred account based on the information of the transferred account and the resources to be extracted carried by the resource extraction request;
the batch processing condition comprises a resource transfer mode, namely resource extraction is carried out through an internal intermediate account of a resource manager to which the specified resource account belongs or the type of the transferred account is a preset account type;
the summarizing of the resource extraction requests meeting the batch processing conditions comprises the following steps:
summarizing information of resources to be extracted in first-class resource extraction requests to obtain information of target extraction resources, wherein the first-class resource extraction requests comprise resource extraction requests for extracting resources through the internal intermediate account in a resource transfer mode;
the method for processing the resource extraction requests comprises the following steps of sending the aggregated resource extraction requests to corresponding resource processing systems in batches for processing based on the carried information of the transferred accounts and the resources to be extracted, and comprises the following steps:
sending information of the target extraction resource to an internal processing system to instruct the internal processing system to transfer the target extraction resource from the designated resource account to the internal intermediate account;
based on the type of the transferred account in each first-class resource extraction request and the resource management party to which the first-class resource extraction request belongs, parallelly forwarding all the first-class resource extraction requests to the corresponding resource processing system so as to instruct the corresponding resource processing system to transfer the corresponding resource to be extracted from the internal intermediate account to the corresponding transferred account;
the management system receives a resource extraction request for extracting resources from a specified resource account, and if the resource extraction request is a first-class resource extraction request, namely the resource transfer mode is to extract resources through an internal intermediate account of a resource management party to which the specified resource account belongs, information of resources to be extracted carried by the first-class resource extraction request is recorded, and batch processing is waited; when the preset trigger condition is met, summarizing the information of the resources to be extracted carried in all the first-class resource extraction requests to obtain the information of the target extracted resources; the management system sends the information of the target extraction resources to the internal processing system, and the internal processing system transfers the target extraction resources from the specified resource account to the internal intermediate account; for each first-class resource extraction request, if the type of the transferred account in the first-class resource extraction request is not a preset account type and belongs to the same resource management party as the specified resource account, the management system forwards the first-class resource extraction request to an internal processing system, and the internal processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first-class resource extraction request; if the type of the transferred account in the first type of resource extraction request is not a preset account type and does not belong to the same management party as the specified resource account, the management system forwards the first type of resource extraction request to a first external processing system, and the first external processing system transfers the resources to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resources to be extracted carried in the first type of resource extraction request; if the type of the transferred account in the first type of resource extraction request is a preset account type, the management system forwards the first type of resource extraction request to a second external-to-external processing system, and the second external-to-external processing system transfers the resource to be extracted from an internal intermediate account to the transferred account based on the information of the transferred account and the resource to be extracted carried in the first type of resource extraction request.
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