CN113535372A

CN113535372A - Data processing and payment method, device, equipment and medium

Info

Publication number: CN113535372A
Application number: CN202010291674.7A
Authority: CN
Inventors: 刘晖
Original assignee: Alipay Labs Singapore Pte Ltd
Current assignee: Advanced Nova Technology Singapore Holdings Ltd
Priority date: 2020-04-14
Filing date: 2020-04-14
Publication date: 2021-10-22
Also published as: WO2021208755A1

Abstract

An embodiment of the specification provides a data processing method, a data processing device, a data payment device, equipment and a medium, and the method comprises the following steps: receiving a second resource transfer request which is sent by a second server and comprises a second amount and a second account; if the second resource transfer request triggers the resource supplement condition, sending resource supplement data to the first client to display a resource supplement mode; receiving first feedback data, and sending a first resource transfer request comprising a first amount and a first account to the target server so as to reduce the resource of the resource source account on the target server by the first amount; the first account is used for transferring the resource to the second account; receiving second feedback data, if the resources of the resource source account are reduced by a first amount according to the second feedback data, increasing the first amount of the resources of the first account, and reducing the second amount of the resources of the first account; sending execution feedback data to the second server to cause the second server to increase the resource of the second account by a second amount.

Description

Data processing and payment method, device, equipment and medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a data processing method, a data processing apparatus, a data payment method, a data payment apparatus, and a data payment medium.

Background

In the prior art, data processing is required under many situations to meet the requirement of resource transfer.

In view of the above, there is a need for an efficient data processing scheme.

Disclosure of Invention

Embodiments of the present specification provide a data processing method, a data payment method, an apparatus, a device, and a medium, so as to solve a technical problem of how to perform resource transfer more efficiently.

In order to solve the above technical problem, the embodiments of the present specification provide the following technical solutions:

an embodiment of the present specification provides a first data processing method, applied to a first server, including:

receiving a second resource transfer request which is sent by a second server and comprises a second amount and account data of a second account;

if the second resource transfer request triggers a resource supplement condition, sending resource supplement data to a first client corresponding to the first server to enable the first client to display a resource supplement mode;

receiving first feedback data sent by the first client, and sending a first resource transfer request comprising a first amount and account data of a first account to a target server corresponding to the first feedback data, so that resources of a resource source account on the target server are reduced by the first amount; the first account is used for transferring resources to the second account;

receiving second feedback data corresponding to the first resource transfer request, if the resources of the resource source account are judged to be reduced by the first amount according to the second feedback data, increasing the first amount of the resources of the first account, and reducing the second amount of the resources of the first account;

sending execution feedback data corresponding to the second resource transfer request to the second server to enable the second server to increase the resources of the second account by the second amount.

An embodiment of the present specification provides a second data processing method, which is applied to a second server, and includes:

after the resource transfer consultation condition is triggered, sending a resource transfer consultation request comprising a second amount to each associated resource transfer server;

receiving consultation feedback data which are sent by each resource transfer server and correspond to the resource transfer consultation request, and sending resource transfer mode data to a second client corresponding to the second server according to the consultation feedback data so that the second client can display the resource transfer mode corresponding to each resource transfer server; if the consultation feedback data sent by any resource transfer server comprises resource supplement prompt data, the resource transfer mode data is also used for enabling the resource transfer mode corresponding to the resource transfer server to comprise resource supplement prompt information;

receiving a selected resource transfer mode sent by the second client, and if consultation feedback data sent by a selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, sending a second resource transfer request including the second amount and account data of a second account to the selected server, so that the selected server reduces the resources of the first account by the second amount after performing resource supplement on the first account for transferring the resources;

and receiving execution feedback data corresponding to the second resource transfer request, and if the resources of the first account are judged to be reduced by the second amount according to the execution feedback data, increasing the resources of the second account by the second amount.

The embodiment of the present specification provides a first payment method, which is applied to a third server, and includes:

receiving a payment request comprising a fourth amount and account data of a fourth account sent by a fourth server;

if the payment request triggers a recharging condition, recharging data is sent to a third client corresponding to the third server, so that the third client displays a recharging mode;

receiving third feedback data sent by the third client, and sending a recharging request comprising a third amount and account data of a third account to a target server corresponding to the third feedback data so as to reduce the balance of a recharging account on the target server by the third amount; the third account is used for making payment to the fourth account;

receiving fourth feedback data corresponding to the recharging request, if the balance of the recharging account is judged to be reduced by the third amount according to the fourth feedback data, increasing the balance of the third account by the third amount, and reducing the balance of the third account by the fourth amount;

sending execution feedback data corresponding to the payment request to the fourth server to cause the fourth server to increase the balance of the fourth account by the fourth amount.

The embodiment of the present specification provides a second payment method, which is applied to a fourth server, and includes:

after the payment consultation condition is triggered, sending a payment consultation request comprising a fourth amount to each associated payment server;

receiving consultation feedback data which are sent by each payment server and correspond to the payment consultation request, and sending payment mode data to a fourth client corresponding to the fourth server according to the consultation feedback data so that the fourth client can display the payment mode corresponding to each payment server; if the consultation feedback data sent by any one of the payment servers comprises recharge prompting data, the payment mode data is also used for enabling the payment mode corresponding to the payment server to comprise recharge prompting information;

receiving a selected payment mode sent by the fourth client, and if consultation feedback data sent by a selected payment server corresponding to the selected payment mode includes the resource supplement prompt data, sending a payment request including the fourth amount and account data of a fourth account to the selected payment server, so that the balance of the third account is reduced by the fourth amount after the selected payment server recharges a third account for payment;

and receiving execution feedback data corresponding to the payment request, and if the balance of the third account is reduced by the fourth amount according to the execution feedback data, increasing the balance of the fourth account by the fourth amount.

An embodiment of the present specification provides a data processing apparatus, including:

the resource transfer receiving module is used for receiving a second resource transfer request which is sent by the second server and comprises a second amount and account data of a second account;

a resource transfer module, configured to send resource supplementary data to a first client corresponding to the device if the second resource transfer request triggers a resource supplementary condition, so that the first client displays a resource supplementary manner; receiving first feedback data sent by the first client, and sending a first resource transfer request comprising a first amount and account data of a first account to a target server corresponding to the first feedback data, so that resources of a resource source account on the target server are reduced by the first amount; the first account is used for transferring resources to the second account; receiving second feedback data corresponding to the first resource transfer request, if the resources of the resource source account are reduced by the first amount according to the second feedback data, increasing the resources of the first account by the first amount, and reducing the resources of the first account by the second amount;

and the resource transfer feedback module is used for sending execution feedback data corresponding to the second resource transfer request to the second server so that the second server increases the resource of the second account by the second amount.

the resource transfer consultation module is used for sending a resource transfer consultation request comprising a second amount to each associated resource transfer server after the resource transfer consultation condition is triggered; receiving consultation feedback data which are sent by each resource transfer server and correspond to the resource transfer consultation request, and sending resource transfer mode data to a second client corresponding to the device according to the consultation feedback data so that the second client can display the resource transfer mode corresponding to each resource transfer server; if the consultation feedback data sent by any resource transfer server comprises resource supplement prompt data, the resource transfer mode data is also used for enabling the resource transfer mode corresponding to the resource transfer server to comprise resource supplement prompt information;

a resource transfer initiating module, configured to receive a selected resource transfer mode sent by the second client, and if consultation feedback data sent by a selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, send a second resource transfer request including the second amount and account data of a second account to the selected server, so that the selected server performs resource supplement on a first account for transferring resources and then reduces resources of the first account by the second amount;

and the resource transfer module is used for receiving execution feedback data corresponding to the second resource transfer request, and if the resource of the first account is judged to be reduced by the second amount according to the execution feedback data, the resource of the second account is increased by the second amount.

An embodiment of the present specification provides a payment device, including:

the payment receiving module is used for receiving a payment request which is sent by the fourth server and comprises a fourth amount and account data of a fourth account;

the payment module is used for sending recharging data to a third client corresponding to the device if the payment request triggers a resource supplementing condition so as to enable the third client to display a recharging mode; receiving third feedback data sent by the third client, and sending a recharging request comprising a third amount and account data of a third account to a target server corresponding to the third feedback data so as to reduce the balance of a recharging account on the target server by the third amount; the third account is used for making payment to the fourth account; receiving fourth feedback data corresponding to the recharging request, if the balance of the recharging account is judged to be reduced by the third amount according to the fourth feedback data, increasing the balance of the third account by the third amount, and reducing the balance of the third account by the fourth amount;

and the payment feedback module is used for sending execution feedback data corresponding to the payment request to the fourth server so as to enable the fourth server to increase the balance of the fourth account by the fourth amount.

the payment consultation module is used for sending a payment consultation request comprising a fourth amount to each associated payment server after the payment consultation condition is triggered; and receiving consultation feedback data which are sent by each payment server and correspond to the payment consultation request, and sending payment mode data to a fourth client corresponding to the device according to the consultation feedback data so that the fourth client can display the payment mode corresponding to each payment server; if the consultation feedback data sent by any one of the payment servers comprises recharge prompting data, the payment mode data is also used for enabling the payment mode corresponding to the payment server to comprise recharge prompting information;

a payment initiating module, configured to receive a selected payment method sent by the fourth client, and send, if consultation feedback data sent by a selected payment server corresponding to the selected payment method includes the resource supplement prompt data, a payment request including the fourth amount and account data of a fourth account to the selected payment server, so that the selected payment server charges a third account for payment and then reduces a balance of the third account by the fourth amount;

and the payment module is used for receiving execution feedback data corresponding to the payment request, and if the balance of the third account is reduced by the fourth amount according to the execution feedback data, the balance of the fourth account is increased by the fourth amount.

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the first data processing method described above.

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the second data processing method described above.

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the first payment method described above.

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the second payment method described above.

Embodiments of the present specification provide a computer-readable storage medium, which stores computer-executable instructions, and when executed by a processor, the computer-executable instructions implement the first data processing method described above.

Embodiments of the present specification provide a computer-readable storage medium, which stores computer-executable instructions, and when executed by a processor, the computer-executable instructions implement the second data processing method described above.

Embodiments of the present description provide a computer-readable storage medium storing computer-executable instructions, which when executed by a processor implement the first payment method described above.

Embodiments of the present description provide a computer-readable storage medium, which stores computer-executable instructions, and when executed by a processor, the computer-executable instructions implement the second payment method described above.

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

when resource transfer is carried out, if the resource balance of the account is lower than the amount to be transferred, the resource balance can be supplemented and transferred in the same application program, and the data processing efficiency and the success rate related to the resource transfer are improved.

Drawings

In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments of the present specification or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive labor.

Fig. 1 is a schematic diagram of an execution main body of a data processing method in the first embodiment of the present specification.

Fig. 2 is a flowchart illustrating a data processing method in the first embodiment of the present specification.

Fig. 3 is a schematic diagram of a data processing procedure in the first and/or second embodiment of the present specification.

Fig. 4 is a schematic view of a page in the first and/or second embodiment of the present description.

Fig. 5 is a schematic view of another page in the first and/or second embodiment of the present specification.

Fig. 6 is a schematic view of another page in the first and/or second embodiment of the present specification.

Fig. 7 is a schematic view of another page in the first and/or second embodiment of the present specification.

Fig. 8 is a flowchart illustrating a data processing method in the second embodiment of the present specification.

Fig. 9 is a flowchart illustrating a payment method in the third embodiment of the present specification.

Fig. 10 is a schematic view of a payment process in the third and/or fourth embodiment of the present specification.

Fig. 11 is a schematic view of a page in the third and/or fourth embodiment of the present specification.

Fig. 12 is a schematic view of another page in the third and/or fourth embodiment of the present specification.

Fig. 13 is another schematic view of a page in the third and/or fourth embodiment of the present specification.

Fig. 14 is a flowchart illustrating a payment method in the fourth embodiment of the present specification.

Fig. 15 is a schematic view of another page in the third and/or fourth embodiment of the present specification.

Fig. 16 is a schematic configuration diagram of a data processing apparatus in a fifth embodiment of the present specification.

Fig. 17 is a schematic configuration diagram of a data processing apparatus in a sixth embodiment of the present specification.

Fig. 18 is a schematic structural diagram of a payment device in a seventh embodiment of the present specification.

Fig. 19 is a schematic structural view of a payment apparatus in an eighth embodiment of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any inventive step based on the embodiments of the present disclosure, shall fall within the scope of protection of the present application.

In the prior art, data processing is required under many situations to meet the requirement of resource transfer. In particular, one or more servers may effect the transfer of resources based on the user's operation of an application on their terminal. Since resources are typically owned by internet accounts, one or more servers may enable resources to be transferred between internet accounts. It is often the case that the resource quota of the roll-out account of the resource is not sufficient to complete the resource transfer process. In this case, the user needs to quit the certain application program, use another application program to perform resource replenishment on the resource transfer-out account, and then use the certain application program to perform the resource transfer process, that is, the resource transfer needs to be completed through multiple application programs and multiple steps. Therefore, the data processing efficiency related to resources in the prior art is low.

A first embodiment of this specification provides a data processing method, where an execution main body of this embodiment may be a terminal (including but not limited to a mobile phone, a computer, a pad, a television, an intelligent device, the following) or a server or a platform or an (operating) system, and the like, that is, the execution main body may be various, and may be set, used, or transformed as needed. In addition, a third party application may assist the execution subject in executing the present embodiment. For example, as shown in fig. 1, the data processing method in this embodiment may be executed by a server, and an application program (corresponding to the server) may be installed on a terminal (held by a user), and data transmission may be performed between the terminal or the application program and the server, and data collection or input or output or page or information presentation (to the user) may be performed by the terminal or the application program, so as to assist the server in executing the data processing method in this embodiment.

As shown in fig. 2 and fig. 3, the data processing method applied to the first server (i.e. the execution subject may be the first server) includes:

s101: receiving (the first server) a second resource transfer request sent by the second server comprising a second amount and account data of a second account;

in this embodiment, the first server may receive a second resource transfer request including a second amount and account data of a second account sent by the second server. And executing the resource transfer process after the first server receives the second resource transfer request.

In this embodiment, before the first server receives the second resource transfer request sent by the second server, the resource transfer consultation request sent by the second server may be received first, that is, before the second server sends the second resource transfer request to the first server, the resource transfer consultation request may be sent to the first server first. The resource transfer consultation request is a pre-consultation initiated by the second server for the resource transfer request, and may be used to consult whether the first server can accept or complete the resource transfer request or the resource transfer service initiated by the second server (next), or to consult whether the resource transfer request initiated by the second server (next) meets the resource transfer condition of the first server, so that each resource transfer consultation request may correspond to at least one resource transfer request. As can be seen, before the second server sends the second resource transfer request to the first server, the second server may send a resource transfer consultation request corresponding to the second resource transfer request to the first server.

In this embodiment, a resource transfer consultation condition may be set, and when the resource transfer consultation condition is triggered, the second server sends a resource transfer consultation request. In general, a user may register and log in an account on a second server through a terminal and/or an application client corresponding to the second server on the terminal (the application client corresponding to the second server on the terminal is referred to as a second client), so that terminal data of a terminal used by the user (the terminal data includes but is not limited to a terminal identifier including but not limited to a terminal ID, Mac, the same below), the second client, account data of an account registered by the user on the second server, registration data provided by the user when registering the account (including but not limited to an account name, an account password, user identification data, etc., which may be used as a user identifier), etc. are stored on the second server and correspond to each other on the second server, and the second server may lock any one of the terminal, the second client, the registered account, the registration data, the other three may be locked according to any one of the terminal, the second client, the account data, and the registration data. For any user A, the user A can operate the terminal and/or the second client, and the terminal and/or the second client sends data corresponding to the operation of the user A to the second server, and the resource transfer consultation condition is triggered in the series of processes. On one hand, whether the resource transfer consultation condition is triggered or not can be judged by the terminal or the second client, and the terminal or the second client sends data to the second server so that the second server determines that the resource transfer consultation condition is triggered, the terminal triggered by the judgment condition is a trigger terminal, and the client triggered by the judgment condition is a trigger client; on the other hand, the second server receives data sent by the terminal or the second client, the second server judges whether the resource transfer consultation condition is triggered or not according to the received data, if the data sent by a certain terminal or a certain second client enable the second server to judge that the resource transfer consultation condition is triggered, the terminal is a trigger terminal, and the second client is a trigger client.

When the resource transfer consultation condition is triggered, the second server can determine the trigger terminal, the trigger client, the registered account (called trigger account) of the trigger (namely, the user A), the registered data of the trigger and the like, and other data.

In this embodiment, the resource transfer consultation condition trigger may include that the target application is opened and/or a target page is opened and/or a target button is clicked, the target application may be the second client, the target page may be a designated page on the target application and/or a designated page on the terminal, and the target button may be a designated button on the page of the target application and/or a designated button on the terminal.

The second server may have a plurality of associated resource transfer servers, that is, servers capable of transferring resources to the second server, and further, the resource transfer server may be a server capable of transferring resources to and from the second server. The association process of the second server with each resource transfer server may be initiated by a user operation, for example, through a user operation (including but not limited to an input and/or selection on a terminal and/or an application program, and the like), the second server determines a server capable of resource transfer, and performs data interaction with the determined server to complete association or binding between the second server and the determined server. In this embodiment, the first server is a resource transfer server associated with the second server.

In this embodiment, after the resource transfer consultation condition of the second server is triggered, the second server may send the resource transfer consultation request to each associated resource transfer server.

In this embodiment, the resource transfer consultation request may include: (1) the second amount is the resource transfer amount of the second resource transfer request corresponding to the resource transfer consultation request; and/or, (2) account data of a second account (the account data of the second account includes but is not limited to an account number of the second account), the second account, i.e. a resource of a second resource transfer request corresponding to the resource transfer consultation request, is transferred to the account, and the second account is generally registered or opened on a second server; and/or, (3) trigger account and/or trigger registration data and/or trigger terminal and/or trigger client; (4) the resource transfer type and/or the resource transfer (event) identifier of a second resource transfer request corresponding to the resource transfer consultation request; and/or, (5) other data. The present embodiment does not limit the specific content of the resource transfer consultation request.

In this embodiment, the second amount may be determined by the trigger terminal and/or the trigger client according to "existing data on the trigger terminal and/or the trigger client" when the resource transfer consultation condition is triggered, or may be determined by the second server according to "data received by the second server from the trigger terminal and/or the trigger client" when the resource transfer consultation condition is triggered.

The first server may determine a first account for transferring the resource to the second account from the received resource transfer consultation request, the first account being registered on the first server. For example, user a registers a first account (with a resource transfer function) on a first server, user a logs in the above trigger account on a second server, and the first account is bound to the trigger account, and the first server may determine, through the trigger account in the resource transfer consultation request, the first account corresponding to the trigger account; for another example, the user a registers a first account (with a resource transfer function) on the first server, and also provides registration data when registering the first account, and the first server may determine, through the registration data of the trigger account in the resource transfer consultation request, the first account corresponding to the registration data of the trigger account; for another example, if the user a registers a first account (having a resource transfer function) on the first server, the user a has the trigger account on the second server, and the user a logs in the first account and the trigger account with the same terminal, the first server may determine the first account corresponding to the terminal data of the trigger terminal through the terminal data of the trigger terminal in the resource transfer consultation request.

In this embodiment, the "resource transfer server associated with the second server" other than the first server may also determine the respective account for transferring the resource. From the perspective of resource transfer, each resource transfer server associated with a second server is equivalent to a resource roll-out server (or a candidate resource roll-out server), and the second server is equivalent to a resource roll-in server; the account for transferring the resource determined by each resource transfer server associated with the second server corresponds to a resource transfer-out account (or a candidate resource transfer-out account), and the second account corresponds to a resource transfer-in account.

According to the above content, the second server sends the resource transfer consultation request to each associated resource transfer server, and accordingly, can receive consultation feedback data corresponding to the resource transfer consultation request sent by each associated resource transfer server.

For the first server, after receiving the resource transfer consultation request, the first server may send consultation feedback data corresponding to the resource transfer consultation request to the second server. If the first server cannot accept the second resource transfer request corresponding to the resource transfer consultation request (for example, the first account is abnormal, for example, the resource transfer type of the second resource transfer request is not an acceptable type of the first server, which may be referred to as a resource transfer non-acceptable condition), the consultation feedback data may be used to indicate to the second server that the resource transfer is not supported or the like. If the first server is capable of accepting a second resource transfer request corresponding to the resource transfer advisory request, the advisory feedback data may be used to indicate to the second server that resource transfer is supported or the like.

After the first server receives the resource transfer consultation request, the first server can determine whether the resource transfer consultation request triggers a resource supplement condition. Specifically, the resource supplement condition may be that the resource balance of the first account is lower than a second amount, and if the first server determines that the resource balance of the first account is lower than the second amount, the resource transfer consultation request triggers the resource supplement condition. If the resource balance (or the resource transferable amount) of the first account is lower than the second amount, it indicates that the resource balance of the first account is insufficient to complete a second resource transfer request (that is, the resource of the first account needs to be replenished) corresponding to the resource transfer consultation request, which is not a case of not accepting or not accepting resource transfer, and the first server does not need to feed back the data that does not accept or accept resource transfer or the like to the second server, but sends consultation feedback data including "resource replenishment prompt data" to the second server, and the resource replenishment prompt data can be used for prompting replenishment of the resource.

According to the above, the advisory feedback data of each associated resource transfer server of the second server may comprise the acceptance or non-acceptance (support or non-support) of the second resource transfer request corresponding to the resource transfer advisory request.

And the second server determines the resource transfer mode data according to the received consultation feedback data of each associated resource transfer server and sends the resource transfer mode data to the trigger terminal and/or the trigger client. In this embodiment, the resource transfer mode data may at least perform the functions as described in 1.1 and/or 1.2 and/or 1.3 (not limited to 1.1 and/or 1.2 and/or 1.3):

1.1 method for enabling trigger terminal and/or trigger client to display resource transfer

The resource transfer mode data can enable the trigger terminal and/or the trigger client to display the resource transfer modes corresponding to the resource transfer servers, namely, each resource transfer server can correspond to one resource transfer mode. For any resource transfer mode, the resource transfer mode may include a name and/or a resource transfer-out account on the resource transfer server corresponding to the resource transfer mode (in the association process between the second server and the resource transfer server, through operations such as user input, the second server already stores the resource transfer-out account on each resource transfer server, so that the resource transfer mode may include the resource transfer-out account even if the resource transfer consultation request is not sent), thereby indicating the source of the resource. For example, the resource transfer server associated with the second server includes server 1, server 2, server 3 and server 4, and the trigger terminal and/or the trigger client may display resource transfer mode 1 corresponding to server 1, resource transfer mode 2 corresponding to server 2, resource transfer mode 3 corresponding to server 3 and resource transfer mode 4 corresponding to server 4, as shown in fig. 4.

1.2, the method is used for enabling the trigger terminal and/or the trigger client to display the resource supplement prompt information

If the advisory feedback data sent by any resource transfer server to the second server includes the resource supplement prompt data, the resource transfer manner data is also used to make the "resource transfer manner corresponding to the resource transfer server" include the "resource supplement prompt information" for prompting the supplement of the resource, for example, if the advisory feedback data sent by the server 1 includes the resource supplement prompt data, the resource transfer manner 1 corresponding to the server 1 includes the resource supplement prompt information, as shown in fig. 4.

1.3, arranging sequence for displaying resource transfer modes by the trigger terminal and/or the trigger client

The resource transfer mode data can enable the trigger terminal and/or the trigger client to display the resource transfer modes corresponding to the resource transfer servers, and can enable the trigger terminal and/or the trigger client to display the arrangement sequence of the resource transfer modes. Specifically, the resource transfer modes corresponding to the resource transfer servers that do not support the second resource transfer request may be ranked later, and may be different from the display states of the resource transfer modes corresponding to the other resource transfer servers. For example, the resource transfer server associated with the second server includes the server 1, the server 2, the server 3, and the server 4, if the second server determines, according to the advisory feedback data sent by the server 2, that the server 2 does not support the second resource transfer request, the resource transfer manners corresponding to the server 2 may be ranked later, and the resource transfer manners corresponding to the server 2 may be different from the display states of the resource transfer manners corresponding to the other 3 servers, for example, the resource transfer manner corresponding to the server 2 is in an unselected state (i.e., the server 2 is unavailable or the resource transfer manner corresponding to the server 2 is unavailable), and the resource transfer manners corresponding to the other 3 servers are in an optional state (i.e., the other 3 servers are available or the resource transfer manners corresponding to the other 3 servers are available).

After the triggering terminal and/or the triggering client displays the resource transfer mode, the selection of the user on the resource transfer mode may be received (some resource transfer modes may not be selectable according to the above contents), and the selection data of the user on the resource transfer mode is sent to the second server, where the selection data includes the selected resource transfer mode. And the second server takes the resource transfer server corresponding to the selected resource transfer mode as the selected server.

Depending on the selected resource transfer, situations as described in 2.1 or 2.2 (not limited to 2.1 or 2.2) may occur:

2.1, the consultation feedback data sent by the selected server does not include the prompt data

As previously described, each resource transfer server associated with the second server may determine an account for transferring the resource. If the consultation feedback data sent by the selected server to the second server does not include the prompt data (which indicates that the balance of the resources in the account for transferring the resources determined by the selected server is not lower than the second amount), the second server sends a second resource transfer request including the second amount and the account data of the second account to the selected server, so that the selected server reduces the resources in the account for transferring the resources determined by the selected server by the second amount.

2.2 the consultation feedback data sent by the selected server comprises the prompt data

If the selected server is the first server and the balance of the resources in the account for transferring the resources determined by the selected server is lower than the second amount, the consulting feedback data sent by the selected server includes the prompt data. In this case, the second server sends a second resource transfer request including the second amount and account data of the second account to the selected server, so that the selected server reduces the resource of the first account by the second amount after resource supplementation of the first account for transferring the resource.

It should be emphasized that, the above-mentioned process of sending the resource transfer consultation request is not necessary, and the second server may set a resource transfer condition, and after triggering the resource transfer condition, the second server sends the resource transfer mode data to the triggering terminal and/or the triggering client of the resource transfer condition by itself, so that the terminal displays the resource transfer mode corresponding to each resource transfer server and the arrangement sequence of each resource transfer mode, for the user to select the resource transfer mode. For example, the second server may determine whether the resource transfer server or the resource transfer method corresponding to the resource transfer server is available according to existing interactive data (interactive data includes but is not limited to resource transfer data) of the second server and any associated resource transfer server, and enable the trigger terminal and/or the trigger client of the resource transfer condition to display different states of the available and unavailable resource transfer methods through the resource transfer method data, so as to select the available and unavailable resource transfer methods. The rest is as described above. Thus, if the second server does not send the resource transfer consultation request and the first server is the selected server, the first server may determine the first account and determine whether the resource balance of the first account is lower than the second amount after receiving the second resource transfer request.

S103: if the second resource transfer request triggers a resource supplement condition, sending resource supplement data to a first client corresponding to the first server to enable the terminal to display a resource supplement mode;

if the second server sends the resource transfer consultation request and the first server receives a second resource transfer request which is sent by the second server and comprises a second amount and account data of a second account, under the condition that the resource transfer consultation request triggers the resource supplement condition, the second resource transfer request also triggers the resource supplement condition as the second resource transfer request also comprises the second amount, and the first server sends the resource supplement data to a client corresponding to the first server (the client corresponding to the first server is called as a first client) so that the first client can display the resource supplement mode.

If the second server does not send the resource transfer consultation request and the first server receives a second resource transfer request which is sent by the second server and comprises a second amount and account data of a second account, the first server can judge whether the second resource transfer request triggers a resource supplement condition (refer to the judgment whether the resource transfer consultation request triggers the resource supplement condition). If the second resource transfer request triggers the resource supplement condition, the first server sends resource supplement data to a client corresponding to the first server (the client corresponding to the first server is called as a first client), so that the first client displays a resource supplement mode.

It should be noted that the first client and the trigger client may be the same client, and the client may correspond to the first server and the second server at the same time. For example, the first server is a payment service server, the second server is an e-commerce service server, and the user registers the first account and the trigger account on the first server and the second server respectively and binds the first account and the trigger account through kyc (knour customer) policy. The user only needs to log in one account of the first account and the trigger account on the first client, and the first client can respectively perform data interaction with the first server and the second server, so that commodity buying and selling and payment can be performed. If the first client and the trigger client are not the same client, the terminal presents a page of the trigger client before the first server enables the first client to display the resource supplement mode; and after the first server enables the first client to display the resource supplement mode, the first client of the terminal is started, and the terminal presents the page of the first client. Of course, after the first client is started, the screen of the terminal may simultaneously display the pages of the trigger client and the first client, for example, split screen display.

In this embodiment, the first server may have a plurality of associated resource source servers, where a resource source server is a server capable of transferring resources to the first server, and further, the resource source server may be a server capable of transferring resources to and from the first server. The association process between the first server and each resource source server may also be initiated by the operation of the user, and specifically, refer to the association process between the second server and each resource transfer server. If the first account has the resource supplement record, a server which is used for supplementing the resource to the first account in the past can be used as the resource source server.

Before sending the resource supplement data to the first client, the first server may also send a resource supplement consultation request including a first amount to each associated resource source server, receive consultation feedback data corresponding to the resource supplement consultation request sent by each resource source server, and determine the resource supplement data according to the consultation feedback data. The sending and feedback of the resource supplement consultation request can refer to the resource transfer consultation request, and the details are not repeated in this embodiment.

In this embodiment, each resource source server may correspond to one resource supplementing manner. Similar to the resource transferring manner, there may be a plurality of resource supplementing manners, and for any resource supplementing manner, the resource supplementing manner may include a name and/or a resource transferring account determined by the resource source server corresponding to the resource supplementing manner (in the associating process of the first server and the resource source server, through an operation such as an input by a user, the first server already stores the resource transferring account on each resource transferring server, so that even if a resource supplementing consultation request is not sent, the resource supplementing manner may also include the resource transferring account), so that a resource source side, that is, a resource supplementing manner includes the resource source side, may be indicated, as shown in fig. 5.

In this embodiment, the first server may determine an optimal resource source, that is, an optimal resource source server, and the resource transfer manner corresponding to the optimal resource source may be highlighted and/or may be labeled (for example, "recommendation" may be labeled on the resource transfer manner corresponding to the optimal resource source, as shown in fig. 5), that is, the resource supplement manner includes the optimal resource source.

As can be seen from the above, each Source Server can be a candidate Source. If the first server receives the resource supplement data sent by the second server and determines that the balance of the first account resource is lower than the second amount, the first server can also determine the optimal resource source party from the candidate resource source parties before sending the resource supplement data to the first client, so that after the resource supplement data are sent to the client corresponding to the first server, the resource supplement data are further used for enabling the first client to display an optimal resource supplement mode, namely the resource supplement mode corresponding to the optimal resource source party (or the optimal resource source server).

Determining an optimal resource source from the candidate resource sources comprises: and determining the optimal resource source party according to the existing interactive data of the server of each candidate resource source party (namely, each resource source server) and the first server. The interactive data includes resource transfer data, for example, if there are three candidate resource source servers, the resource source server having the most resource transfer times with the first server may be used as the optimal resource source and/or the resource source server having the most recent resource transfer with the first server may be used as the optimal resource source. The process of determining the optimal resource source may be performed by a model, such as dnn (deep Neural networks).

S105: receiving first feedback data sent by the first client, and sending a first resource transfer request comprising a first amount and account data of a first account to a target server corresponding to the first feedback data, so that resources of a resource source account on the target server are reduced by the first amount; the first account is used for transferring resources to the second account;

referring to the resource transfer mode, after the first client (or the terminal where the first client is located) displays the resource supplement mode, the first client may receive a selection of the resource supplement mode by the user (some resource supplement modes may not be selectable, and the optimal resource supplement mode is a selectable resource supplement mode), form first feedback data corresponding to the resource supplement data according to the selection of the user (the first feedback data may include the selected resource supplement mode, that is, the selected resource source side), and send the first feedback data to the first server.

The first server determines a resource source server corresponding to the selected resource source party according to the first feedback data and uses the resource source server as a target server, and sends a first resource transfer request comprising the first amount and account data of the first account (the account data of the first account includes but is not limited to the account number of the first account) to the target server.

The first server may determine the first amount according to 3.1 or 3.2 (the embodiment is not limited to 3.1 or 3.2):

3.1 the first Server determines the first amount by itself

The first server may determine the first amount based on the second amount and the resource balance of the first account. In particular, the difference between the second amount and the resource balance of the first account may be taken as the first amount.

3.2 the first server determines the first amount based on the first feedback data

The resource replenishment data is also used to cause the first client to display resource replenishment amount information, which may be in the form of options and/or input boxes for selecting and/or inputting amounts. The amount selected and/or entered by the user is included in the first feedback data and the first server takes the amount selected and/or entered by the user as the first amount, as shown in fig. 6.

If the first server sends a resource replenishment consultation request to each resource source server, each resource source server (including the target server) may determine a respective resource source account according to the resource replenishment consultation request. If the first server does not send the resource supplement consultation request to each resource source server, the first server sends a first resource transfer request to the target server so that the target server determines a resource source account, and the resource source account determined by the target server is not called a target source account. The process of the resource source server determining the target resource source account refers to the process of the resource transfer server determining the resource transfer-out account thereon, and both the resource source account and the resource transfer-out account can be used for transferring out the resource.

The target server is caused to decrement the resources (i.e., resource balances) of the target source account by a first amount via a first resource transfer request. From the resource transfer angle, the target server is equivalent to a resource transfer-out server, and the first server is equivalent to a resource transfer-in server; the target source account is equivalent to a resource transfer-out account, and the first account is equivalent to a resource transfer-in account.

S107: receiving second feedback data corresponding to the first resource transfer request, if the resources of the resource source account are judged to be reduced by the first amount according to the second feedback data, increasing the first amount of the resources of the first account, and reducing the second amount of the resources of the first account;

the first server may receive second feedback data corresponding to the first resource transfer request, and the second feedback data may be transmitted by the target server or transmitted by the resource transfer clearing server. If the first server determines that the target server has reduced the resources of the target source account by the first amount according to the second feedback data, the first server increases the resources (balance) of the first account by the first amount. Some ways of determining the first amount have been listed above, and if the way of 3.1 is adopted, the resource of the first account increases the first amount and then becomes the second amount; if the method of 3.2 is adopted, the resource replenishment amount information may set the lowest selectable amount or the lowest inputtable amount as the difference between the second amount and the resource balance of the first account, so that the resource of the first account is increased by the first amount and then is greater than or equal to the second amount, as shown in fig. 7.

Therefore, the resources of the resource source account are reduced by the first amount, and the resources of the first account are increased by the first amount, so that the transfer of the resources of the first amount from the resource source account to the first account is realized.

After the first server increases the resource of the first account by the first amount, the resource of the first account is not lower than the second amount, so the first server reduces the resource of the first account by the second amount, namely the first account is reduced by the second amount after resource supplement.

In this embodiment, after the first server receives the second resource transfer request sent by the second server, if the first server determines that the resource balance of the first account is not lower than the second amount, the resource of the first account is decreased by the second amount, that is, the first account may decrease the second amount without resource replenishment.

S109: sending execution feedback data corresponding to the second resource transfer request to the second server to enable the second server to increase the resources of the second account by the second amount.

Regardless of whether the first account performs the resource replenishment process, after reducing the resource of the first account by the second amount, the first server may send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server determines whether the first account has been reduced by the second amount, that is, so that the second server determines an execution result of the second resource transfer request. And if the second server judges that the resources of the first account are reduced by the second amount according to the execution feedback data, the second server increases the resources (balance) of the second account by the second amount.

The first server may send execution result data corresponding to the first resource transfer request to the first client, so that the first client displays an execution result of the first resource transfer request; and/or the first server may send execution result data corresponding to the second resource transfer request to the first client, so that the first client displays an execution result of the second resource transfer request.

Therefore, the resource of the first account is reduced by the second amount, and the resource of the second account is increased by the second amount, so that the transfer of the resource of the second amount from the first account to the second account is realized.

Through the resource transfer consultation, the second resource transfer request, the first resource transfer request/the resource supplement and the resource transfer process, the resource transfer from the resource source account to the first account and the resource transfer from the first account to the second account are realized.

In this embodiment, the resource replenishment condition may be updated in an adjustable manner, for example, the resource replenishment condition may be updated according to the execution feedback data. The execution feedback data may represent a successful resource transfer, and if the execution feedback data indicates that the resource of the first account is successfully reduced by the second amount, the resource transfer may be successfully performed. If the success rate of the resource transfer in a certain time period or in certain times is higher than a certain threshold value, the resource supplement condition can be maintained; if not, the update resource replenishment condition can be adjusted.

In this embodiment, in the process of resource transfer between the first server and the second server in response to the operation of the user at the client, if transferable resources of the first account for resource transfer are insufficient, a resource supplementing process can be directly performed, and then the resource transfer process is performed, so that the data processing efficiency and the resource transfer success rate of resource transfer are improved; the triggering client and the first client can be the same client, so that the resource transfer and resource supplement processes do not need a user to jump out of the client, and the data processing efficiency and the success rate of the resource transfer and resource supplement are improved; when resource supplement is carried out, the first server can push an optimal resource supplement mode to a user for selection, so that the data processing efficiency and the success rate of resource supplement are improved, and the data processing efficiency and the success rate of resource transfer are improved; by updating the resource supplement conditions, the accuracy and the rationality of the resource supplement conditions can be improved, and the data processing efficiency and the success rate of resource transfer are improved.

A second embodiment of the present disclosure provides a data processing method corresponding to the data processing method in the first embodiment, where the execution main body of this embodiment may be a terminal (including but not limited to a mobile phone, a computer, a pad, a television, an intelligent device, the following paragraphs) or a server or a platform or an (operating) system, and the like, that is, the execution main body may be various, and may be configured, used, or changed as needed. In addition, a third party application may assist the execution subject in executing the present embodiment. For example, as shown in fig. 1, the data processing method in this embodiment may be executed by a server, and an application program (corresponding to the server) may be installed on a terminal (held by a user), and data transmission may be performed between the terminal or the application program and the server, and data collection or input or output or page or information presentation (to the user) may be performed by the terminal or the application program, so as to assist the server in executing the data processing method in this embodiment.

As shown in fig. 8 and fig. 3, the data processing method provided in this embodiment, which is applied to the second server (i.e. the execution subject may be the second server), includes:

s202, after the resource transfer consultation condition is triggered, sending a resource transfer consultation request comprising a second amount to each associated resource transfer server;

see in particular the first embodiment.

S204: receiving consultation feedback data which are sent by each resource transfer server and correspond to the resource transfer consultation request, and sending resource transfer mode data to a second client corresponding to the second server according to the consultation feedback data so that the second client can display the resource transfer mode corresponding to each resource transfer server; if the consultation feedback data sent by any resource transfer server comprises resource supplement prompt data, the resource transfer mode data is also used for enabling the resource transfer mode corresponding to the resource transfer server to comprise resource supplement prompt information;

see in particular the first embodiment.

S206: receiving a selected resource transfer mode sent by the second client, and if consultation feedback data sent by a selected server corresponding to the selected resource transfer mode includes the resource supplement prompt data, sending a second resource transfer request including the second amount and account data of a second account to the selected server, so that the selected server reduces the resources of the first account by the second amount after performing resource supplement on the first account for transferring the resources;

see in particular the first embodiment.

S208: and receiving execution feedback data corresponding to the second resource transfer request, and if the resources of the first account are judged to be reduced by the second amount according to the execution feedback data, increasing the resources of the second account by the second amount.

See in particular the first embodiment. In particular, the feedback data may be sent by the first server and/or the clearing server of the resource transfer, and the clearing server in this embodiment may be the same server as the clearing server in the first embodiment.

In this embodiment, the second server may send the execution result data to the second client, so that the second client displays the execution result of the second resource transfer request, for example, if the second server increases the resource of the second account by a second amount, the execution result of the second resource transfer request may be successful, otherwise, the execution result is failure.

In this embodiment, in the process of resource transfer between the first server and the second server in response to the operation of the user at the client, if transferable resources of the first account for resource transfer are insufficient, a resource supplementing process can be directly performed, and then the resource transfer process is performed, so that the data processing efficiency and the resource transfer success rate of resource transfer are improved; the triggering client and the first client can be the same client, so that the resource transfer and resource supplement processes do not need a user to jump out of the client, and the data processing efficiency and the success rate of the resource transfer and resource supplement are improved.

The third embodiment of the present specification is an application of the first embodiment in a payment scenario. In the payment scenario, the fund is used as a virtual resource, and the fund payment process is a resource transfer process. The execution main body of this embodiment may be a terminal (including but not limited to a mobile phone, a computer, a pad, a television, a smart device, the following) or a server or a platform or an (operating) system, and the like, that is, the execution main body may be various, and may be set, used, or transformed as needed. In addition, a third party application may assist the execution subject in executing the present embodiment. For example, as shown in fig. 1, the payment method in this embodiment may be executed by a server, and an application program (corresponding to the server) may be installed on a terminal (held by a user), and data transmission may be performed between the terminal or the application program and the server, and data collection or input or output or page or information presentation (to the user) may be performed by the terminal or the application program, so as to assist the server in executing the payment method in this embodiment.

As shown in fig. 9 and 10, the payment method provided by the present embodiment, applied to the third server (i.e. the executing subject may be the third server), includes:

s301: receiving a payment request comprising a fourth amount and account data of a fourth account sent by a fourth server;

the third server corresponds to the first server in the first and second embodiments; the fourth server corresponds to the second server in the first and second embodiments; the fourth amount corresponds to the second amount in the first and second embodiments; the fourth account corresponds to the second account in the first and second embodiments; the payment request corresponds to the second resource transfer request in the first and second embodiments.

Specifically, the third server may be a payment service server, the fourth server may be an e-commerce server, the fourth amount may be an order amount and/or a settlement amount on the e-commerce client, and the fourth account may be an account of the e-commerce service provider or a merchant account corresponding to the user order.

S303: if the payment request triggers a recharging condition, recharging data is sent to a third client corresponding to the third server, so that the third client displays a recharging mode;

the charging condition is equivalent to the resource supplement condition in the first and second embodiments, the charging condition may be that the balance determined by the third server and the third account for payment (to the fourth account) is less than the fourth amount, and the charging condition may also be updated according to the payment success rate; the third account may be a payment account registered by the user on a third server, corresponding to the first account in the first and second embodiments; the balance of the third account may be a balance of funds in the third account or a credit line granted to the third account by the payment service server; the third client may be a client with a payment function corresponding to the third server, and may be the same client as the e-commerce client; the recharge mode may include a name and/or a recharge account, as shown in FIG. 11; as in the first embodiment, the optimal recharging method may be determined and labeled, for example, the optimal recharging method is labeled with "recommend", as shown in fig. 11; as in the first embodiment, the charge amount information may be displayed, and the charge amount information may be in the form of an option and/or an input box for selecting and/or inputting the amount, as shown in fig. 12; the lowest selectable or inputable amount may be set to the difference between the fourth amount and the balance of the third account, as shown in fig. 13.

S305: receiving third feedback data sent by the third client, and sending a recharging request comprising a third amount and account data of a third account to a target server corresponding to the third feedback data so as to reduce the balance of a recharging account on the target server by the third amount; the third account is used for making payment to the fourth account;

the third feedback data is equivalent to the first feedback data in the first and second embodiments, and may include the selected recharging mode, and may further include the recharging amount selected and/or input by the user; the target server can be a financial institution server such as a bank; the recharge request corresponds to the first resource transfer request in the first and second embodiments.

S307: receiving fourth feedback data corresponding to the recharging request, if the balance of the recharging account is judged to be reduced by the third amount according to the fourth feedback data, increasing the balance of the third account by the third amount, and reducing the balance of the third account by the fourth amount;

the fourth feedback data corresponds to the second feedback data in the first and second embodiments, which may be sent by the target server or by a payment clearing server (e.g. a silver or internet server).

S309: sending execution feedback data corresponding to the payment request to the fourth server to cause the fourth server to increase the balance of the fourth account by the fourth amount.

See in particular the first or second embodiment.

For further details of this embodiment, reference is made to the first and second embodiments.

In this embodiment, in the process of payment from the third server to the fourth server, if the amount payable of the third account for payment is insufficient, the charging process can be directly performed, and the payment process is further performed, so that the data processing efficiency and the payment success rate of payment are improved; the payment triggering client and the recharging third client can be the same client, so that the payment and recharging processes do not need to jump out of the client by a user, and the data processing efficiency and success rate of the payment and recharging are improved; when recharging is carried out, the third server can push an optimal recharging mode to the user for selection, so that the data processing efficiency and the success rate of recharging are improved, and the data processing efficiency and the success rate of payment are further improved; by updating the recharging conditions, the accuracy and rationality of the recharging conditions can be improved, and the data processing efficiency and success rate of payment can be improved.

A fourth embodiment of the present description is an application of the second embodiment in a payment scenario. In the payment scenario, the fund is used as a virtual resource, and the fund payment process is a resource transfer process. The execution main body of this embodiment may be a terminal (including but not limited to a mobile phone, a computer, a pad, a television, a smart device, the following) or a server or a platform or an (operating) system, and the like, that is, the execution main body may be various, and may be set, used, or transformed as needed. In addition, a third party application may assist the execution subject in executing the present embodiment. For example, as shown in fig. 1, the payment method in this embodiment may be executed by a server, and an application program (corresponding to the server) may be installed on a terminal (held by a user), and data transmission may be performed between the terminal or the application program and the server, and data collection or input or output or page or information presentation (to the user) may be performed by the terminal or the application program, so as to assist the server in executing the payment method in this embodiment.

As shown in fig. 14 and 10, the payment method provided by the present embodiment, applied to a fourth server (i.e. the executing subject may be the fourth server), includes:

s402: after the payment consultation condition is triggered, sending a payment consultation request comprising a fourth amount to each associated payment server;

the payment consultation condition is equivalent to the resource transfer consultation condition in the first and second embodiments, for example, in an actual payment scenario, when a user selects a commodity in an e-commerce client and clicks a "pay" or similar button, the payment consultation condition can be triggered and the user enters a payment page; the settlement amount is the fourth amount; the payment consultation request is equivalent to the resource transfer consultation request in the first and second embodiments.

The payment server corresponds to the resource transfer server in the first and second embodiments.

S404: receiving consultation feedback data which are sent by each payment server and correspond to the payment consultation request, and sending payment mode data to a fourth client corresponding to the fourth server according to the consultation feedback data so that the fourth client can display the payment mode corresponding to each payment server; if the consultation feedback data sent by any one of the payment servers comprises recharge prompting data, the payment mode data is also used for enabling the payment mode corresponding to the payment server to comprise recharge prompting information and prompting recharge;

the fourth client may be the client with the e-commerce function corresponding to the fourth server, and may be the same client as the third client; the payment method may be displayed on the payment page of the fourth client for the user to select, as shown in fig. 15; the charge prompt data is equivalent to the resource supplement prompt data in the first and second embodiments; the charge prompt information corresponds to the resource replenishment prompt information in the first and second embodiments, and the charge prompt information may be, for example, "charge and pay" as shown in fig. 15.

S406: receiving a selected payment mode sent by the fourth client, and if consultation feedback data sent by a selected payment server corresponding to the selected payment mode includes the resource supplement prompt data, sending a payment request including the fourth amount and account data of a fourth account to the selected payment server, so that the balance of the third account is reduced by the fourth amount after the selected payment server recharges a third account for payment;

the selected payment server corresponds to the selected server in the first and second embodiments, and the selected payment server may be the third server in the third embodiment.

S408: and receiving execution feedback data corresponding to the payment request, and if the balance of the third account is reduced by the fourth amount according to the execution feedback data, increasing the balance of the fourth account by the fourth amount.

In this embodiment, in the process of payment from the third server to the fourth server, if the amount payable of the third account for payment is insufficient, the charging process can be directly performed, and the payment process is further performed, so that the data processing efficiency and the payment success rate of payment are improved; the payment triggering client (the fourth client) and the recharging third client can be the same client, so that the payment and recharging processes do not need to be carried out by a user out of the client, and the data processing efficiency and the success rate of the payment and recharging are improved.

According to the third and fourth embodiments, in an actual scene, a user can select a commodity at a fourth client with an e-commerce function and enter a settlement page, a 'payment' button is clicked, a fourth server determines settlement amount and sends payment consultation requests including the settlement amount to related payment servers, and the payment servers receive the payment consultation requests and send consultation feedback data; the fourth server sends payment mode data to the fourth client according to the consultation feedback data so that the fourth client can display the payment modes, wherein certain or some payment modes can have recharging prompt data; if the user selects the payment mode with the recharge prompting data, the fourth server sends a payment request to a third server corresponding to the payment mode with the recharge prompting data; the third server sends recharging data to the fourth client so that the fourth client can display a recharging mode; after the user selects the recharging mode, the third server sends a recharging request to the target server to complete the recharging process; after recharging, the third server completes fund deduction and sends execution feedback data to the fourth server, and the third server can also send recharging result data to the fourth client after recharging; and the fourth server completes the increment and sends payment result data to the fourth client. This is a brief description of the payment process in the actual scenario, and specific reference is made to the first or second or third or fourth embodiment.

As shown in fig. 16, a fifth embodiment of the present specification provides a data processing apparatus including:

a resource transfer accepting module 501, configured to receive a second resource transfer request that includes a second amount and account data of a second account and is sent by a second server;

a resource transfer module 503, configured to send resource supplementary data to a first client corresponding to the apparatus if the second resource transfer request triggers a resource supplementary condition, so that the first client displays a resource supplementary manner; receiving first feedback data sent by the first client, and sending a first resource transfer request comprising a first amount and account data of a first account to a target server corresponding to the first feedback data, so that resources of a resource source account on the target server are reduced by the first amount; the first account is used for transferring resources to the second account; receiving second feedback data corresponding to the first resource transfer request, if the resources of the resource source account are reduced by the first amount according to the second feedback data, increasing the resources of the first account by the first amount, and reducing the resources of the first account by the second amount;

a resource transfer feedback module 505, configured to send execution feedback data corresponding to the second resource transfer request to the second server, so that the second server increases the resource of the second account by the second amount.

Optionally, the resource transfer accepting module 501 is further configured to: receiving a resource transfer consultation request which comprises a second amount and is sent by a second server; and sending consultation feedback data corresponding to the resource transfer consultation request to the second server.

Optionally, if the resource transfer consultation request triggers a resource supplement condition, the consultation feedback data includes resource supplement prompt data.

Optionally, the resource replenishment condition includes:

the device determines that a resource balance of a first account to transfer resources to a second account is less than the second amount.

Optionally, the resource transfer module 503 is further configured to: and updating the resource supplement condition according to the execution feedback data.

Optionally, the resource transfer module 503 is further configured to:

if the second resource transfer request triggers a resource supplement condition, sending a resource supplement consultation request including a first amount to each associated resource source server before sending resource supplement data to a first client corresponding to the device;

and receiving consultation feedback data which is sent by each resource source server and corresponds to the resource supplementary consultation request, and determining the resource supplementary data according to the consultation feedback data.

Optionally, the resource supplementing manner includes a resource source side;

and/or the presence of a gas in the gas,

the resource supplementing mode comprises an optimal resource source side.

Optionally, if the second resource transfer request triggers a resource supplement condition, before sending resource supplement data to the first client corresponding to the apparatus, the method further includes determining an optimal resource source party from the candidate resource source parties;

and after sending the resource supplementary data to the client corresponding to the device, the resource supplementary data is also used for enabling the first client to display the optimal resource supplementary mode.

Optionally, the determining an optimal resource source from the candidate resource sources includes:

and determining the optimal resource source party according to the existing interaction data of the server of each candidate resource source party and the device.

Optionally, the interaction data includes resource transfer data.

Optionally, determining the target server according to the first feedback data includes:

the first feedback data comprises a selected resource source party, and a server of the selected resource source party is used as a target server.

Optionally, determining the first amount according to the second amount and the resource balance of the first account;

and/or the presence of a gas in the gas,

taking the difference between the second amount and the resource balance as the first amount.

Optionally, the first amount is included in the first feedback data;

and/or the presence of a gas in the gas,

the resource replenishment data is further for causing the first client to display resource replenishment amount information, the resource replenishment amount information being for selecting and/or inputting an amount, the selected and/or inputted amount being included in the first feedback data as the first amount.

Optionally, the first client is a client corresponding to the second server.

Optionally, the second feedback data is sent by the target server and/or a clearing server of resource transfer.

Optionally, the resource transfer feedback module 505 is further configured to: after the resources of the first account are increased by the first amount, sending execution result data to the first client to enable the first client to display an execution result of the first resource transfer request; and/or sending execution result data to the first client so as to enable the first client to display the execution result of the second resource transfer request.

Optionally, the resource transfer module 503 is further configured to: after receiving a second resource transfer request which is sent by a second server and comprises a second amount and account data of a second account, if the second resource transfer request does not trigger a resource supplement condition, reducing the resource of the first account by the second amount.

As shown in fig. 17, a sixth embodiment of the present specification provides a data processing apparatus including:

a resource transfer consultation module 602, configured to send a resource transfer consultation request including a second amount to each associated resource transfer server after the resource transfer consultation condition is triggered; receiving consultation feedback data which are sent by each resource transfer server and correspond to the resource transfer consultation request, and sending resource transfer mode data to a second client corresponding to the device according to the consultation feedback data so that the second client can display the resource transfer mode corresponding to each resource transfer server; if the consultation feedback data sent by any resource transfer server comprises resource supplement prompt data, the resource transfer mode data is also used for enabling the resource transfer mode corresponding to the resource transfer server to comprise resource supplement prompt information;

a resource transfer initiating module 604, configured to receive a selected resource transfer manner sent by the second client, and send a second resource transfer request including the second amount and account data of a second account to the selected server if consultation feedback data sent by the selected server corresponding to the selected resource transfer manner includes the resource supplement prompt data, so that the selected server performs resource supplement on a first account used for transferring resources and then reduces resources of the first account by the second amount;

a resource transfer module 606, configured to receive execution feedback data corresponding to the second resource transfer request, and increase the resource of the second account by the second amount if it is determined that the resource of the first account decreases by the second amount according to the execution feedback data.

Optionally, the triggering of the resource transfer consultation condition includes:

the target application is opened and/or the target page is opened and/or the target button is clicked.

Optionally, the second amount is determined by the second client according to the existing data of the second client when the resource transfer consultation condition is triggered;

or,

the second amount is determined by the device based on data from the second client that the device has received when the resource transfer advisory condition is triggered.

Optionally, the resource transfer consultation request is further used for enabling each resource transfer server to determine an account for transferring the resource.

Optionally, the resource transfer manner data is further configured to enable the second client to display an arrangement order of the resource transfer manners corresponding to the resource transfer servers.

Optionally, the resource transfer initiating module 604 is further configured to: after receiving the selected resource transfer mode sent by the second client, if the consultation feedback data sent by the selected server does not include the prompt data, sending a second resource transfer request including the second amount and account data of a second account to the selected server, so that the selected server reduces the resources of the account for transferring the resources by the second amount.

Optionally, the execution feedback data is sent by the server corresponding to the selected resource transfer mode and/or the clearing server of resource transfer.

Optionally, the apparatus further comprises:

and the resource transfer feedback module is used for sending execution result data to the second client so as to enable the second client to display the execution result of the second resource transfer request.

As shown in fig. 18, a seventh embodiment of the present specification provides a payment apparatus including:

a payment acceptance module 701, configured to receive a payment request including a fourth amount and account data of a fourth account sent by a fourth server;

a payment module 703, configured to send recharge data to a third client corresponding to the device if the payment request triggers a resource replenishment condition, so that the third client displays a recharge mode; receiving third feedback data sent by the third client, and sending a recharging request comprising a third amount and account data of a third account to a target server corresponding to the third feedback data so as to reduce the balance of a recharging account on the target server by the third amount; the third account is used for making payment to the fourth account; receiving fourth feedback data corresponding to the recharging request, if the balance of the recharging account is judged to be reduced by the third amount according to the fourth feedback data, increasing the balance of the third account by the third amount, and reducing the balance of the third account by the fourth amount;

a payment feedback module 705, configured to send execution feedback data corresponding to the payment request to the fourth server, so that the fourth server increases the balance of the fourth account by the fourth amount.

As shown in fig. 19, an eighth embodiment of the present specification provides a payment apparatus including:

the payment consultation module 802 is configured to send a payment consultation request including a fourth amount to each associated payment server after the payment consultation condition is triggered; and receiving consultation feedback data which are sent by each payment server and correspond to the payment consultation request, and sending payment mode data to a fourth client corresponding to the device according to the consultation feedback data so that the fourth client can display the payment mode corresponding to each payment server; if the consultation feedback data sent by any one of the payment servers comprises recharge prompting data, the payment mode data is also used for enabling the payment mode corresponding to the payment server to comprise recharge prompting information;

a payment initiating module 804, configured to receive the selected payment method sent by the fourth client, and if the consultation feedback data sent by the selected payment server corresponding to the selected payment method includes the resource supplement prompt data, send a payment request including the fourth amount and account data of the fourth account to the selected payment server, so that the selected payment server charges a third account for payment and then reduces the balance of the third account by the fourth amount;

a payment module 806, configured to receive execution feedback data corresponding to the payment request, and if it is determined that the balance of the third account is decreased by the fourth amount according to the execution feedback data, increase the balance of the fourth account by the fourth amount.

A ninth embodiment of the present specification provides a data processing apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform the data processing method of the first embodiment.

A tenth embodiment of the present specification provides a data processing apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor, the instructions being executable by the at least one processor to enable the at least one processor to perform the data processing method of the second embodiment.

An eleventh embodiment of the present specification provides a payment apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment method of the third embodiment.

A twelfth embodiment of the present specification provides a payment apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment method of the fourth embodiment.

A thirteenth embodiment of the present specification provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the data processing method of the first embodiment.

A fourteenth embodiment of the present specification provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the data processing method of the second embodiment.

A fifteenth embodiment of the present specification provides a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement the payment method of the third embodiment.

A sixteenth embodiment of the present specification provides a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement the payment method of the fourth embodiment.

The above embodiments may be combined, and the modules with the same name may be the same or different between different embodiments.

While certain embodiments of the present disclosure have been described above, other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily have to be in the particular order shown or in sequential order to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

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 apparatus, device, and non-volatile computer-readable storage medium embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and in relation to the description, reference may be made to some portions of the description of the method embodiments.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims

1. A data processing method is applied to a first server and comprises the following steps:

2. The method of claim 1, prior to receiving the second resource transfer request, the method further comprising:

receiving a resource transfer consultation request which comprises a second amount and is sent by a second server;

and sending consultation feedback data corresponding to the resource transfer consultation request to the second server.

3. The method of claim 2, further comprising:

and if the resource transfer consultation request triggers a resource supplement condition, the consultation feedback data comprise resource supplement prompt data.

4. The method of claim 1, the resource replenishment condition comprising:

the resource balance of the first account determined by the first server to transfer the resource to the second account is less than the second amount.

5. The method of claim 1, further comprising:

and updating the resource supplement condition according to the execution feedback data.

6. The method of claim 1, wherein before sending the resource supplement data to the first client corresponding to the first server if the second resource transfer request triggers the resource supplement condition, the method further comprises:

sending a resource replenishment consultation request including a first amount to each associated resource source server;

7. The method of claim 1, wherein the resource replenishment means comprises a resource sourcing means.

8. The method of claim 1, wherein the resource replenishment means comprises an optimal resource sourcing means.

9. The method of claim 1, wherein before sending the resource supplement data to the first client corresponding to the first server if the second resource transfer request triggers the resource supplement condition, the method further comprises determining an optimal resource sourcing party from the candidate resource sourcing parties;

and after sending the resource supplementary data to the client corresponding to the first server, the resource supplementary data is also used for enabling the first client to display the optimal resource supplementary mode.

10. The method of claim 9, determining an optimal resource source from the candidate resource sources comprises:

and determining the optimal resource source party according to the existing interactive data of the server of each candidate resource source party and the first server.

11. The method of claim 10, the interaction data comprising resource transfer data.

12. The method of claim 1, determining a target server from the first feedback data, comprising:

13. The method of claim 1, determining the first amount as a function of the second amount and a resource balance of the first account;

or,

14. The method of claim 1, said first amount being included in said first feedback data;

or,

the resource replenishment data is further for causing the first client to display resource replenishment amount information, the resource replenishment amount information being for selecting or inputting an amount, the selected or input amount being included in the first feedback data as the first amount.

15. The method of claim 1, wherein the first client is a client corresponding to the second server.

16. The method of claim 1, the second feedback data being sent by the target server or a clearing server of a resource transfer.

17. The method of claim 1, after increasing the resource of the first account by the first amount, the method further comprising:

sending execution result data to the first client to enable the first client to display an execution result of the first resource transfer request; or sending execution result data to the first client to enable the first client to display the execution result of the second resource transfer request.

18. The method of claim 1, upon receiving a second resource transfer request sent by a second server that includes a second amount and account data for a second account, the method further comprising:

and if the second resource transfer request does not trigger a resource supplement condition, reducing the resource of the first account by the second amount.

19. A data processing method is applied to a second server and comprises the following steps:

20. The method of claim 19, the resource transfer advisory condition trigger comprising:

the target application is opened or the target page is opened or the target button is clicked.

21. The method of claim 19, wherein the second amount is determined by the second client based on existing data of the second client when triggered by a resource transfer advisory condition;

or,

the second amount is determined by data from the second client that the second server has received when triggered by the resource transfer advisory conditions.

22. The method of claim 19, the resource transfer advisory request further for each resource transfer server to determine an account for transferring resources.

23. The method according to claim 19, wherein the resource transfer manner data is further used for causing the second client to display an arrangement order of the resource transfer manners corresponding to the resource transfer servers.

24. The method of claim 19, upon receiving the selected resource transfer mode sent by the second client, the method further comprising:

and if the consultation feedback data sent by the selected server does not comprise the prompt data, sending a second resource transfer request comprising the second amount and account data of a second account to the selected server, so that the selected server reduces the resources of the account for transferring the resources by the second amount.

25. The method of claim 19, wherein the execution feedback data is sent by the server corresponding to the selected resource transfer mode or a clearing server of the resource transfer.

26. The method of claim 19, the method further comprising:

and sending execution result data to the second client so as to enable the second client to display the execution result of the second resource transfer request.

27. A payment method is applied to a third server and comprises the following steps:

28. A payment method is applied to a fourth server and comprises the following steps:

29. A data processing apparatus comprising:

30. A data processing apparatus comprising:

31. A payment device, comprising:

32. A payment device, comprising:

33. A data processing apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the data processing method of any one of claims 1 to 18.

34. A data processing apparatus comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the data processing method of any one of claims 19 to 26.

35. A payment device, comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment method of claim 27.

36. A payment device, comprising:

at least one processor;

and the number of the first and second groups,

a memory communicatively coupled to the at least one processor;

wherein,

the memory stores instructions executable by the at least one processor to enable the at least one processor to perform the payment method of claim 28.

37. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the data processing method of any one of claims 1 to 18.

38. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the data processing method of any one of claims 19 to 26.

39. A computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement the payment method of claim 27.

40. A computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement the payment method of claim 28.