CN113706133A - Resource supplementing method, device, server and storage medium - Google Patents

Resource supplementing method, device, server and storage medium Download PDF

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Publication number
CN113706133A
CN113706133A CN202111005869.1A CN202111005869A CN113706133A CN 113706133 A CN113706133 A CN 113706133A CN 202111005869 A CN202111005869 A CN 202111005869A CN 113706133 A CN113706133 A CN 113706133A
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resource
account
target
resource transfer
verification
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丁兰
孙豪杰
王可
付卫宁
王志俊
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Beijing Sankuai Online Technology Co Ltd
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Beijing Sankuai Online Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

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Abstract

The application discloses a resource supplementing method, a resource supplementing device, a server and a storage medium, and belongs to the technical field of internet. The method comprises the following steps: receiving a resource supplement request which is sent by a first application client and used for requesting to supplement resources of a first quantity to a balance account corresponding to a logged-in user identifier; responding to the resource supplement request, and sending a resource supplement notification message containing a target verification identifier to the first application client; under the condition that the resource transfer records containing the target verification identification, the resource transfer account and the transferred resource quantity are the first quantity, the resource quantity in the balance account is increased by the first quantity, the incidence relation between the resource account for resource supplement and the user identification is not limited, the user can conveniently supplement the resource to the balance account of the user identification in various modes, the flexibility is enhanced, and the resource account does not need to be bound for the user identification in advance.

Description

Resource supplementing method, device, server and storage medium
Technical Field
The present application relates to the field of internet technologies, and in particular, to a resource supplementing method, device, server, and storage medium.
Background
With the widespread use of online payments and transfers, application clients for managing resources have emerged. In the related art, a terminal logs in an application client based on a user identifier, and the user identifier has a corresponding balance account in the application client and can be bound with other resource accounts outside the application client. Usually, in order to facilitate the user to use the resource, the external resource account bound by the user identifier may be used to supplement the resource to the balance account, but the resource supplementing manner is single and the flexibility is poor.
Disclosure of Invention
The embodiment of the application provides a resource supplementing method, a resource supplementing device, a server and a storage medium, which can be used for supplementing resources to a balance account in an application client and improving the flexibility of a resource supplementing mode. The technical scheme is as follows:
in one aspect, a resource supplementing method is provided, and the method includes:
receiving a resource supplement request sent by a first application client, wherein the resource supplement request is used for requesting to supplement a first amount of resources to a balance account corresponding to a logged user identifier;
in response to the resource replenishment request, sending a resource replenishment notification message to the first application client, the resource replenishment notification message including a target validation identifier, the resource replenishment notification message indicating replenishment of the first quantity of resources to a target resource account based on the target validation identifier;
increasing the amount of the resource in the balance account by the first amount when detecting a resource transfer record meeting a verification condition, wherein the resource transfer record meeting the verification condition is that: the resource transfer record comprises the target verification identification, the transferred account of the resource in the resource transfer record is the target resource account, and the transferred resource quantity is the first quantity.
In one possible implementation, before increasing the amount of the resource in the balance account by the first amount in the case of detecting the resource transfer record satisfying the verification condition, the method further includes:
under the condition that the resource transfer operation aiming at the target resource account is detected, acquiring a verification identifier carried by the resource transfer operation;
generating a resource transfer record of the target resource account according to the verification identifier and the resource transfer-in operation, wherein the resource transfer record at least comprises the verification identifier, the resource transfer-in account and the resource transfer quantity;
and storing the resource transfer record.
In another possible implementation manner, after sending a resource supplement notification message to the first application client in response to the resource supplement request, the method further includes:
storing the corresponding relation between the user identification and the target verification identification;
the increasing the amount of the resource in the balance account by the first amount in the case of detecting the resource transfer record satisfying the verification condition includes:
under the condition that the resource transfer records meeting the verification conditions are detected, inquiring the corresponding relation according to the target verification identification, and determining the user identification;
and increasing the resource quantity in the balance account corresponding to the user identification by the first quantity.
In another possible implementation, the method further includes:
detecting a stored resource transfer record based on the target verification identification;
and under the condition that the verification identifier contained in any resource transfer record is detected to be the target verification identifier, the resource transfer account is detected to be the target resource account, and the transferred resource quantity is the first quantity, determining that the resource transfer record meets the verification condition.
In another possible implementation manner, before sending a resource supplement notification message to the first application client in response to the resource supplement request, the method further includes:
and under the condition that the first number is larger than a resource transfer number threshold value, responding to the resource supplement request, and sending the resource supplement notification message to the first application client.
In another possible implementation manner, after sending a resource supplement notification message to the first application client in response to the resource supplement request, the method further includes:
and for any resource transfer record of the target resource account, returning the resource transferred into the target resource account to the corresponding resource transfer-out account under the condition that the resource transfer record does not contain a verification identifier or a balance account corresponding to the verification identifier contained in the resource transfer record is not inquired.
In another possible implementation manner, in the case that the resource transfer record does not include a verification identifier or does not query a balance account corresponding to the verification identifier included in the resource transfer record, for any resource transfer record of the target resource account, after returning the resource transferred to the target resource account to the corresponding resource transfer-out account, the method further includes:
and sending a resource return notification to a terminal corresponding to the resource transfer-out account in the resource transfer record.
In another possible implementation manner, before increasing the amount of the resource in the balance account by the first amount in the case that the resource transfer record meeting the verification condition is detected, the method further includes:
obtaining a verification identifier sent by the first application client;
and under the condition that the verification identifier is the target verification identifier, detecting the stored resource transfer record.
In one aspect, an apparatus for resource replenishment is provided, the apparatus comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a resource supplement request sent by a first application client, and the resource supplement request is used for requesting to supplement a first amount of resources to a balance account corresponding to a logged user identifier;
a sending module, configured to send a resource replenishment notification message to the first application client in response to the resource replenishment request, where the resource replenishment notification message includes a target verification identifier, and the resource replenishment notification message indicates that the first amount of resources are replenished to a target resource account based on the target verification identifier;
a supplement module, configured to, when a resource transfer record that satisfies a verification condition is detected, increase the number of resources in the balance account by the first number, where the resource transfer record satisfies the verification condition is: the resource transfer record comprises the target verification identification, the transferred account of the resource in the resource transfer record is the target resource account, and the transferred resource quantity is the first quantity.
In one possible implementation, the apparatus further includes:
the acquisition module is used for acquiring a verification identifier carried by the resource transfer-in operation under the condition that the resource transfer-in operation aiming at the target resource account is detected;
the generation module is used for generating a resource transfer record of the target resource account according to the verification identifier and the resource transfer-in operation, wherein the resource transfer record at least comprises the verification identifier, the resource transfer-in account and the resource transfer quantity;
and the record storage module is used for storing the resource transfer record.
In another possible implementation manner, the apparatus further includes:
the relation storage module is used for storing the corresponding relation between the user identification and the target verification identification;
the supplementary module includes:
a determining unit, configured to, when a resource transfer record satisfying the verification condition is detected, query the corresponding relationship according to the target verification identifier, and determine the user identifier;
and the supplementing unit is used for increasing the resource quantity in the balance account corresponding to the user identification by the first quantity.
In another possible implementation manner, the apparatus further includes:
the detection module is used for detecting the stored resource transfer record based on the target verification identification;
and the determining module is used for determining that the resource transfer record meets the verification condition under the condition that the verification identifier contained in any resource transfer record is detected to be the target verification identifier, the resource transfer account is detected to be the target resource account, and the transferred resource quantity is the first quantity.
In another possible implementation manner, the sending module is further configured to send the resource replenishment notification message to the first application client in response to the resource replenishment request if the first number is greater than a resource transfer number threshold.
In another possible implementation manner, the apparatus further includes:
and the returning module is used for returning the resources transferred into the target resource account to the corresponding resource transferring account under the condition that the resource transferring record does not contain a verification identifier or a balance account corresponding to the verification identifier contained in the resource transferring record is not inquired.
In another possible implementation manner, the sending module is further configured to send a resource return notification to a terminal corresponding to the resource transfer-out account in the resource transfer record.
In another possible implementation, the method is characterized in that,
the obtaining module is further configured to obtain a verification identifier sent by the first application client;
the detection module is further configured to detect a stored resource transfer record when the verification identifier is the target verification identifier.
In one aspect, a server is provided that includes one or more processors and one or more memories having at least one instruction stored therein, the at least one instruction being loaded and executed by the one or more processors to implement the operations performed by the resource replenishment method of any one of the possible implementations described above.
In one aspect, a computer-readable storage medium is provided, in which at least one instruction is stored, and the at least one instruction is loaded and executed by a processor to implement the operations performed by the resource supplementing method according to any one of the above possible implementations.
The beneficial effects brought by the technical scheme provided by the embodiment of the application at least comprise:
according to the resource supplementing method, the resource supplementing device, the server and the storage medium, when the balance account of the first application client needs to be supplemented with resources, resources are supplemented for the balance account based on the verification identifier corresponding to the resource supplementing request, the association relation between the resource account for resource supplementing and the user identifier is not limited, a user can conveniently supplement the resources for the balance account of the user identifier in multiple modes, and flexibility is improved.
In addition, the resource supplementation based on the verification identifier adopted in the embodiment of the application cannot be performed under the condition that the verification identifier is not matched, so that the safety in the resource transfer process is ensured. In the embodiment of the application, the resource account used for transferring the resource to the target resource account can be a resource account which has no association relation with the user identifier, so that resource supplement of a balance account can be realized without binding the resource account for the user identifier in advance.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic illustration of an implementation environment provided by an embodiment of the present application;
FIG. 2 is a flowchart of a resource replenishment method provided in an embodiment of the present application;
FIG. 3 is a flow chart of another resource replenishment method provided by an embodiment of the present application;
FIG. 4 is a schematic diagram of an operation interface and a resource replenishment interface provided in an embodiment of the present application;
FIG. 5 is a flow chart of another resource replenishment method provided by an embodiment of the present application;
fig. 6 is a schematic structural diagram of a resource supplementing apparatus according to an embodiment of the present application;
FIG. 7 is a schematic structural diagram of another resource supplementing apparatus according to an embodiment of the present application;
fig. 8 is a schematic structural diagram of a server according to an embodiment of the present application.
Detailed Description
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
Fig. 1 is a schematic diagram of an implementation environment provided by an embodiment of the present application. Referring to fig. 1, the implementation environment includes at least one terminal 101 (1 is taken as an example in fig. 1) and a server 102. The terminal 101 and the server 102 are connected via a wireless or wired network. The terminal 101 has installed thereon a target application served by the server 102, through which the terminal 101 can implement functions such as data transmission, message interaction, and the like. Optionally, the terminal 101 is a computer, a mobile phone, a tablet computer, or other terminal. Optionally, the target application is a target application in an operating system of the terminal 101, or a target application provided by a third party. For example, the target application is a content sharing application, and the content sharing application has a content sharing function, but the content sharing application can also have other functions, such as a comment function, a shopping function, a navigation function, a game function, and the like. Optionally, the server 102 is a background server of the target application or a cloud server providing services such as cloud computing and cloud storage.
The terminal 101 is configured to run a first application client, log in the first application client based on a user identifier, send a resource supplementation request to the server 102 according to a detected resource supplementation operation, the server 102 generates a corresponding target authentication identifier and a resource supplementation notification message including the target authentication identifier in response to the received resource supplementation request, send the resource supplementation notification message to the terminal 101, and increase the amount of resources in a balance account of the user identifier when a resource transfer record meeting an authentication condition is detected, thereby implementing resource supplementation.
Fig. 2 is a flowchart of a resource supplementing method provided in an embodiment of the present application, where the resource supplementing method is executed by a server, and a first application client runs on a terminal and interacts with the server to implement resource supplementation, referring to fig. 2, the embodiment includes:
in step 201, the server receives a resource replenishment request sent by a first application client.
In the embodiment of the present application, a first application client is taken as an example, and a process of supplementing resources to a balance account corresponding to a user identifier of the first application client is described. The resource replenishment request is for requesting replenishment of the balance account with a first amount of resources.
In step 202, the server sends a resource replenishment notification message to the first application client in response to the resource replenishment request.
After receiving the resource supplement request, the server sends a resource supplement notification containing the target verification identification to the first application client in response to the resource supplement request, wherein the resource supplement notification is used for indicating that the first amount of resources are supplemented to the target resource account based on the target verification identification.
Wherein the target authentication identifier is generated by the server in response to the resource replenishment request.
For example, a first application client runs on a mobile phone, and the server responds to the resource supplement request to generate a target verification identifier "123456" which is sent to the mobile phone running the first application client in the form of a short message check code.
In step 203, the server increases the amount of the resource in the balance account by a first amount in case of detecting the resource transfer record satisfying the verification condition.
Wherein, the resource transfer record meeting the verification condition means: the resource transfer record comprises a target verification identifier, the transferred account of the resources in the resource transfer record is a target resource account, and the transferred resource quantity is a first quantity.
According to the resource supplementing method provided by the embodiment of the application, when the balance account of the first application client needs to be supplemented with resources, resources are supplemented for the balance account based on the verification identifier corresponding to the resource supplementing request, the association relation between the resource account for resource supplementation and the user identifier is not limited, a user can conveniently supplement resources for the balance account of the user identifier in multiple modes, and flexibility is enhanced.
In addition, the resource supplementation based on the verification identifier adopted in the embodiment of the application cannot be performed under the condition that the verification identifier is not matched, so that the safety in the resource transfer process is ensured. In the embodiment of the application, the resource account used for transferring the resource to the target resource account can be a resource account which has no association relation with the user identifier, so that resource supplement of a balance account can be realized without binding the resource account for the user identifier in advance.
Fig. 3 is a flowchart of another resource supplementing method provided in an embodiment of the present application, where the resource supplementing method is executed by a server. Referring to fig. 3, the embodiment includes:
301. the server receives a resource supplement request sent by the first application client.
With the wide application of online shopping, resource transfer forms of online payment and account transfer are increasingly favored by people, in order to meet daily requirements of people, an application client for managing resources is produced, the application client can provide online payment and account transfer functions for users, various articles are provided for users to choose to purchase, online payment and account transfer can be carried out based on the application client when the users shop online, the articles displayed online can be read based on the application client, and online ordering and shopping can be carried out on the articles of interest.
In this embodiment, taking the first application client as an example, the terminal runs the first application client, logs in the first application client based on the user identifier, where the user identifier has a corresponding balance account in the first application client, and the balance account has resources available for transfer, and when the user performs online shopping, online payment, or account transfer based on the first application client, the user can realize resource transfer through the balance account. Under the condition of online payment and account transfer based on the first application client, resources can be directly deducted from the balance account, and the resources in the balance account after deduction are reduced by corresponding quantity. When the first application client side is used for online ordering and ordering shopping, resources equivalent to the value of the selected article can be directly deducted from the balance account, and the resources in the balance account after deduction are reduced by the corresponding amount. However, the amount of resources in the balance account is limited, and in the case where the amount of resources in the balance account is insufficient, the resources need to be replenished to the balance account. Therefore, the embodiment of the application provides a resource supplementing method, which can supplement resources for a balance account corresponding to a user identifier of a first application client.
The user identifier may be a mobile phone number, an identification number, a code used for registration based on the first application client, or other unique user identifiers.
First, a first application client sends a resource supplement request to a server when detecting resource supplement operation on a balance account, wherein the resource supplement request is used for requesting the server to supplement a first amount of resources to the balance account corresponding to a logged-in user identifier, and the server receives the resource supplement request sent by the first application client.
In one possible implementation manner, the first application client displays a resource supplement option of the balance account, and sends a resource supplement request to the server in response to a triggering operation of the resource supplement option, and the server receives the resource supplement request sent by the first application client.
For example, the first application client displays an operation interface, the operation interface includes a resource supplement option of a balance account, the first application client displays the resource supplement interface in response to a trigger operation on the resource supplement option, the resource supplement interface includes a resource quantity input box and a determination option, a user can input any numerical value based on the resource quantity input box, in response to the trigger operation on the determination option, the first application client obtains the quantity input in the resource quantity input box as a first quantity, and sends a resource transfer request carrying the first quantity to the server.
The trigger operation may be a click operation, a double click operation, a long press operation, a slide operation, or the like, and may also be other forms of operations, which is not limited in this embodiment of the application.
For example, referring to fig. 4, a first application client logs in a user identifier 1, displays a corresponding operation interface, where the operation interface includes a "resource supplement" option, a "resource transfer in" option, a "resource transfer out" option, and an "exit" option, and displays a resource supplement interface in response to a click operation on the "resource supplement" option, where the resource supplement interface includes a resource supplement quantity input box and a "determination" option, and in response to a click operation on the "determination" option, obtains "200000" input by the resource supplement quantity input box as a first quantity, and sends a resource transfer request to a server, where the resource transfer request carries the first quantity "200000" and is used to request the server to supplement resources with the quantity of "200000" into a balance account of the user identifier 1.
In addition, the resource transfer operation may also be in other forms, which is not limited in this embodiment of the present application.
302. And the server responds to the resource supplement request and sends a resource supplement notification message to the first application client.
The first application client has a corresponding target resource account for resource transfer with resource accounts of a plurality of user identifications of the first application client: when the resource needs to be supplemented to the balance account corresponding to any user identifier, the resource is transferred from the resource account of the user identifier to the target resource account, and the server increases the corresponding amount of resources in the balance account of the user identifier. When the resource transfer is wrong or the resource needs to be transferred from the balance account of any user identifier to the resource account of the user identifier, the resource is transferred from the target resource account, and the server reduces the corresponding amount of resources in the balance account of the user identifier.
Because the first application client can register a plurality of user identifications, each user identification can correspond to a plurality of resource accounts, and any resource account corresponding to any user identification in the plurality of user identifications can transfer resources to the target resource account. In addition, when resource transfer is performed, resources can be transferred from the resource account corresponding to the user identifier to the target resource account, and resources can also be transferred from other resource accounts to the target resource account, that is, no association relation needs to be established between the resource account for transferring resources to the target resource account and the user identifier corresponding to the first application client. Therefore, after receiving the resource supplement request, the server generates a target verification identifier, and subsequently can perform resource transfer based on the target verification identifier, and according to the target verification identifier, it can be determined for which resource supplement request the resource transfer operation is performed.
Then, the server generates a resource supplement notification message based on the target verification identification, and sends the resource supplement notification message to the first application client. The resource supplement notification message not only contains the target verification identification, but also contains the target resource account and the first quantity, and the resource supplement notification message is used for indicating that the first quantity of resources are supplemented to the target resource account based on the target verification identification.
For example, when the client 1 logs in based on the user identifier a and the client 2 logs in based on the user identifier B, and the server receives the resource supplement request 1 sent by the client 1, the server generates the authentication identifier "175236", and sends the resource supplement notification message 1 carrying "175236" to the client 1. When the server receives the resource supplement request 2 sent by the client 2, the server generates a verification identifier "381497" and sends a resource supplement notification message 2 carrying "381497" to the client 2. Subsequently, in response to the resource transfer operation carrying "175236", it is determined that the resource transfer operation is performed for resource supplement request 1, and when the resource transfer operation carrying "381497" is acquired, it is determined that the resource transfer operation is performed for resource supplement request 2.
The user identification has a bound resource account, and when the balance account is supplemented with resources, resources can be directly transferred from the bound resource account to the target resource account. However, when the amount of the supplemented resource is large, the amount of the resource in the bound resource account may be insufficient, and therefore, the resource needs to be transferred from another resource account to the target resource account to implement resource supplementation of the balance account. Therefore, in another possible implementation manner, before sending the resource supplement notification message to the first application client in response to the resource supplement request, the method further includes: after receiving the resource supplement request, the server compares the first quantity carried in the resource supplement request with a resource transfer quantity threshold value, and sends a resource supplement notification message to the first application client in response to the resource supplement request under the condition that the first quantity is greater than the resource transfer quantity threshold value.
For example, when the obtained first quantity is "300000", and the first quantity "300000" carried in the resource supplement request received by the server is greater than the resource transfer quantity threshold "10000", at this time, the server generates a target verification identifier "123456" in response to the resource supplement request, generates a resource supplement notification message according to the target verification identifier "123456", and sends the resource supplement notification message to the first application client, where the resource supplement notification message includes the target verification identifier "123456", the target resource account "6217 xxxxxxxxxxxx" and the first quantity "300000", and indicates that the target resource account "6217 xxxxxxxxxxxxxxxx" is supplemented with the first quantity of resources "300000" based on the target verification identifier "123456".
In the embodiment of the application, under the condition that the quantity of the resources needing to be supplemented is large, the incidence relation between the resource account and the user identification is not required to be limited, and the resources can be supplemented for the balance account through other resource accounts, so that the defect of single resource supplementing mode is overcome, and the flexibility of the resource supplementing mode is improved.
Subsequently, after receiving the resource supplement notification message sent by the server, the first application client displays the resource supplement notification message for the user to check. After the user knows the resource supplement notification message, the user can transfer the resource in various ways, for example, in ways of the first application client, internet banking, offline counter transfer, and the like. In any way, the acquired target authentication information can be input in a remark, a comment or other information column, so that the server can perform user identification matching according to the authentication information attached during the resource transfer operation.
303. The server acquires the verification identifier carried by the resource transfer operation under the condition of detecting the resource transfer operation aiming at the target resource account.
And the first application client displays the resource supplement notification message after receiving the resource supplement notification message, and can transfer the first amount of resources from the resource account bound by the user identifier to the target resource account or transfer the first amount of resources from other resource accounts to the target resource account according to the resource supplement notification message.
According to the step 302, any resource account bound to any user identifier of the plurality of user identifiers of the first application client may transfer a resource to the target resource account, and in the case of a known target resource account, any resource account may also transfer a resource to the target resource account, and the target resource account may also transfer a resource to any resource account. Any of the above resource transfer-in operation and resource transfer-out operation may be executed according to the detected resource transfer request, resource replenishment request, payment request, or the like, or may be caused by a malfunction or the like.
Therefore, when detecting the resource transfer-in operation for the target resource account, the server obtains the verification identifier carried by the resource transfer-in operation, so as to determine which resource supplement request the resource transfer-in operation is performed for according to the verification identifier.
304. And the server generates a resource transfer record of the target resource account according to the verification identifier and the resource transfer operation.
And after detecting that each resource which is specific to the target resource account and carries the verification identifier is transferred into the operation, generating a resource transfer record of the target resource account according to the verification identifier and the resource transfer operation which are mutually corresponding, wherein the resource transfer record at least comprises the verification identifier, the resource transfer account and the resource transfer quantity. In the embodiment of the application, the resource transfer record of the target resource account includes the resource transfer-in account, the resource transfer-in accounts are all the target resource accounts, the resource transfer record further includes the verification identification and the resource transfer quantity, the verification identification and the resource transfer quantity are used for indicating that the resources with the quantity equal to the resource transfer quantity are transferred in the target resource accounts, and the resource transfer operation has the corresponding verification identification.
In a possible implementation manner, the resource transfer record of the target resource account includes the resource transfer-in account, and the resource transfer-in accounts are all target resource accounts, and the resource transfer record further includes a resource transfer-out account, a verification identifier, and a resource transfer quantity, which are used to indicate that resources with the quantity equal to the resource transfer quantity are transferred from the resource transfer-out account to the target resource account, and the resource transfer operation has a corresponding verification identifier.
Regarding the process of generating the resource transfer record, in one possible implementation manner, the server directly generates the resource transfer record which contains the verification identifier and the resource transfer account is the target resource account.
In another possible implementation manner, the server obtains all resource transfer operations related to the target resource account, including an operation of transferring resources into the target resource account and an operation of transferring resources out of the target resource account, and generates all resource transfer records of the target resource account according to all the obtained resource transfer operations. And screening out the resource transfer record which contains the verification identifier and takes the resource transfer account as the target resource account from all the resource transfer records of the target resource account, and taking the resource transfer record as the resource transfer record to be used in the embodiment of the application.
305. The server stores the resource transfer record.
After the resource transfer record which contains the verification identifier and takes the resource transfer account as the target resource account is obtained, the server stores the resource transfer record, and any stored resource transfer record can be called at any time subsequently.
306. The server detects the stored resource transfer records based on the target verification identification, and determines that the resource transfer records meet the verification condition under the condition that the verification identification contained in any one resource transfer record is detected to be the target verification identification, the resource transfer account is detected to be the target resource account, and the transferred resource quantity is the first quantity.
The server traverses a plurality of stored resource transfer records of the target resource account based on the target verification identifier according to the received resource supplement request sent by the first application client, and increases the resource quantity in the balance account of the user identifier by a first quantity under the condition of detecting the resource transfer record meeting the verification condition.
Wherein, the resource transfer record meeting the verification condition means: the verification mark contained in the resource transfer record is a target verification mark, the transferred account of the resource in the resource transfer record is a target resource account, and the transferred resource quantity is a first quantity.
In a possible implementation manner, the resource supplement operation detected by the first application client may be a misoperation, the first application client sends a resource supplement request to the server after detecting the resource supplement operation, and at this time, the server performs resource supplement based on the misoperation. Therefore, in order to avoid resource supplementation based on misoperation, the embodiment of the present application may perform reconfirmation of the resource supplementation request, that is, perform resource supplementation when acquiring the acknowledgement message sent by the first application client again. Therefore, after responding to the resource supplement request and sending the resource supplement notification message to the first application client, the server acquires the verification identifier sent by the first application client, detects the stored resource transfer record under the condition that the verification identifier is the target verification identifier so as to determine whether the resource transfer record meets the verification condition, and subsequently supplements the resource under the condition that the verification condition is met.
307. The server increases the amount of the resource in the balance account by a first amount in the case of detecting the resource transfer record satisfying the verification condition.
In a possible implementation manner, the resource transfer record does not include the resource transfer-out account, so that no matter whether there is a relationship between the resource transfer-out account and the user identifier, the balance account of the resource to be added cannot be determined. In another possible implementation manner, the resource transfer record includes a resource transfer-out account, but there is no association between the resource transfer-out account and the user identifier, so that the balance account of the resource to be added cannot be determined according to the resource transfer-out account.
Therefore, in the above two possible implementation manners, in order to increase the resource in the corresponding balance account according to the resource transfer record meeting the verification condition, in another possible implementation manner in this embodiment of the application, the resource supplement request sent by the first application client further includes the currently logged user identifier, the generated resource supplement notification message further includes the user identifier, and after "responding to the resource supplement request and sending the resource supplement notification message to the first application client" in step 302, not only the resource transfer record including the target verification identifier is stored, but also the corresponding relationship between the user identifier and the target verification identifier is stored. A process for increasing the amount of resources in a balance account by a first amount in the event that a resource transfer record satisfying a validation condition is detected, comprising: under the condition that the resource transfer records meeting the verification conditions are detected, the stored corresponding relation is inquired according to the target verification identification, the user identification corresponding to the target verification identification is determined, and the resource quantity in the balance account corresponding to the user identification is increased by a first quantity.
In another possible implementation manner, after the completion of resource supplementation, the server generates a resource supplementation completion notification, sends the resource supplementation completion notification to the first application client, and after the first application client receives the resource supplementation completion notification, displays the resource supplementation completion notification to prompt the user that the resource supplementation request for the balance account is completed and the number of resources is increased.
It should be noted that the resource transfer-in operation for the target resource account may be in various situations, and some operations may not carry the verification identifier, and since the verification identifier for determining the corresponding resource supplement request is generated when the resource is supplemented according to the resource supplement request in the embodiment of the present application, the verification identifier is also carried by the resource transfer-in operation when the resource is subsequently supplemented according to the resource supplement request. However, in addition to the resource transfer record including the verification identifier, the plurality of resource transfer records transferred to the resource account as the target resource account may not include the verification identifier or may have an error in the verification identifier.
Therefore, in another possible implementation manner, for any resource transfer record of the target resource account, in the case that the resource transfer record does not include the verification identifier or does not query the balance account corresponding to the verification identifier included in the resource transfer record, it indicates that the resource transfer operation does not have a corresponding resource replenishment request, and the server returns the resource transferred into the target resource account by the resource transfer operation to the corresponding resource transfer-out account.
Considering the delay of information transmission, in another possible implementation manner, for any resource transfer record of the target resource account, under the condition that the resource transfer record does not include the verification identifier or does not inquire a balance account corresponding to the verification identifier included in the resource transfer record, after the interval time threshold, updating a plurality of resource transfer records of the target resource account stored in the server, then detecting the plurality of resource transfer records again, and determining whether the updated resource transfer record has a resource transfer record meeting the verification condition.
If the resource transfer operation corresponding to the current resource transfer record is determined to be wrong, the transfer party is required to be reminded that the resource transfer operation is wrong when the resource transferred into the target resource account is returned in the original way.
According to the resource supplementing method provided by the embodiment of the application, when the balance account of the first application client needs to be supplemented with resources, resources are supplemented for the balance account based on the verification identifier corresponding to the resource supplementing request, the association relation between the resource account for resource supplementation and the user identifier is not limited, a user can conveniently supplement resources for the balance account of the user identifier in multiple modes, and flexibility is enhanced.
In addition, the resource supplementation based on the verification identifier adopted in the embodiment of the application cannot be performed under the condition that the verification identifier is not matched, so that the safety in the resource transfer process is ensured. In the embodiment of the application, the resource account used for transferring the resource to the target resource account can be a resource account which has no association relation with the user identifier, so that resource supplement of a balance account can be realized without binding the resource account for the user identifier in advance.
It should be noted that the initial resource amount of the balance account of any user identifier is zero, that is, when the terminal logs in the user identifier for the first time based on the first application client after running the first application client, the resource amount in the balance account of the user identifier is zero, at this time, the first application client may respond to any trigger operation to display a corresponding operation interface, and may also respond to different trigger operations to switch between different interfaces. However, since the amount of resources in the balance account is zero, online payment, transfer or online shopping cannot be performed through the currently logged-in balance account of the user identifier, and at this time, the amount of resources in the balance account can be increased by performing resource replenishment on the balance account in response to a resource replenishment operation on the balance account. Subsequently, online payment, account transfer or online shopping can be carried out through the balance account.
In another possible implementation manner, the user identifier has a bound external resource account, and when online payment, transfer or online shopping is required, resource transfer can be directly performed based on the external resource account without passing through the balance account.
The resource supplementing method provided by the embodiment of the application can be applied to scenes that the quantity of resources in balance accounts is insufficient or other resources need to be supplemented, such as online payment, account transfer, online shopping and the like. Taking a first application client as an example, a process of supplementing resources to a balance account corresponding to a user identifier is described, where a terminal 1 runs the first application client, the first application client logs in the user identifier, and both the terminal 1 and the terminal 2 interact with a server through a communication network, as shown in fig. 5, the specific process includes:
1. and displaying an operation interface containing the resource supplement option of the balance account based on the first application client, and responding to the click operation of the resource supplement option to switch to the resource transfer interface.
Wherein the resource transfer interface comprises a resource quantity input box and a 'determination' option.
2. The first application client obtains the first number "100000" input in the resource number input box in response to the click operation on the "determine" option.
3. The first application client compares the first number "100000" with the resource transfer number threshold "30000", generates a resource replenishment request when the first number "100000" is greater than the resource transfer number threshold "30000", and sends the resource replenishment request to the server.
Wherein the resource replenishment request carries a first number "100000".
4. The server receives a resource supplement request sent by the first application client.
5. The server generates a target authentication identifier "175236" in response to the resource replenishment request, and sends the target authentication identifier "175236" to the first application client.
6. The terminal 1 of the first application client receives the target authentication identifier '175236' sent by the server, and displays the target authentication identifier '175236', an authentication identifier input box and a 'confirm' option.
7. The first application client side responds to the click operation of the 'confirm' option, obtains the information input in the verification identifier input box, matches the information with the target verification identifier '175236', if the matching is successful, step 8 is executed, and if the matching is unsuccessful, step 15 is executed.
8. The first application client sends the target authentication identification "175236" and a matching success notification to the server.
9. When the server receives the target verification flag "175236" and the matching success notification, the server generates a resource replenishment notification based on the target verification flag "175236".
Wherein the resource replenishment notification comprises a target verification identification "175236", a target resource account "6217 XXXX XXXX XXXXX" and a first quantity "100000", and the resource replenishment notification message is for indicating replenishment of the target resource account with the first quantity "100000" of resources to the target resource account with an account number "6217 XXXXXX XXXX XXX XXX" based on the target verification identification "175236".
10. The server sends a resource supplement notification message to the first application client.
11. Any terminal 2 responds to the resource transfer operation carrying the verification identifier aiming at the target resource account, and sends a resource transfer notification to the server.
12. And the server responds to the received resource transfer-in notification and acquires the verification identifier carried by the resource transfer-in notification.
13. And the server generates a resource transfer record of the target resource account according to the resource transfer operation and verification identification aiming at the target resource account, and stores the resource transfer record.
The resource transfer record at least comprises a verification identifier, a resource transfer account and a resource transfer quantity. The server transfers the operation and verification identification according to a plurality of resources aiming at the target resource account, and can obtain a plurality of resource transfer records of the target resource account.
14. The server detects a plurality of resource transfer records of the stored target resource account based on the target verification identifier '175236', and increases the resource quantity in the balance account of the user identifier logged in by the first application client by a first quantity when detecting that any resource transfer record meets the verification condition.
Wherein the resource transfer record satisfies the verification condition that: the verification identification contained in the resource transfer record is a target verification identification, the resource transfer account is a target resource account, and the transferred resource quantity is a first quantity.
The resource supplementing method is applied to a scene of supplementing resources for the balance account of the first application client, under the condition that the quantity of the resources needing to be supplemented is large, the incidence relation between the resource account and the user identification is not required to be limited, and the resources can be supplemented for the balance account through other resource accounts, so that the defect of single resource supplementing mode is overcome, and the flexibility of the resource supplementing mode is improved.
Fig. 6 is a block diagram of a resource supplementing apparatus according to an embodiment of the present application. Referring to fig. 6, the apparatus includes: a receiving module 601, a sending module 602 and a supplementing module 603.
A receiving module 601, configured to receive a resource replenishment request sent by a first application client, where the resource replenishment request is used to request to replenish a balance account corresponding to a logged-in user identifier with a first amount of resources;
a sending module 602, configured to send a resource replenishment notification message to the first application client in response to the resource replenishment request, where the resource replenishment notification message includes a target verification identifier, and the resource replenishment notification message indicates that a first amount of resources are replenished to the target resource account based on the target verification identifier;
a supplementing module 603, configured to, when a resource transfer record meeting a verification condition is detected, increase the number of resources in the balance account by a first amount, where the resource transfer record meeting the verification condition is: the resource transfer record comprises a target verification identifier, the transferred account of the resources in the resource transfer record is a target resource account, and the transferred resource quantity is a first quantity.
In one possible implementation, referring to fig. 7, the apparatus further comprises:
an obtaining module 604, configured to obtain, when a resource transfer operation for a target resource account is detected, a verification identifier carried by the resource transfer operation;
a generating module 605, configured to generate a resource transfer record of the target resource account according to the verification identifier and the resource transfer-in operation, where the resource transfer record at least includes the verification identifier, the resource transfer-in account, and the resource transfer amount;
a record storage module 606 for storing resource transfer records.
In another possible implementation, referring to fig. 7, the apparatus further includes:
a relation storage module 607, configured to store a corresponding relation between the user identifier and the target verification identifier;
a supplementary module 603 comprising:
a determining unit 6031, configured to, when a resource transfer record satisfying a verification condition is detected, query a corresponding relationship according to a target verification identifier, and determine a user identifier;
a supplementing unit 6032, configured to increase the resource amount in the balance account corresponding to the user identifier by the first amount.
In another possible implementation, referring to fig. 7, the apparatus further includes:
a detection module 608, configured to detect a stored resource transfer record based on the target verification identifier;
the determining module 609 is configured to determine that the resource transfer record meets the verification condition when it is detected that the verification identifier included in any resource transfer record is the target verification identifier, the resource transfer account is the target resource account, and the transferred resource quantity is the first quantity.
In another possible implementation manner, referring to fig. 7, the sending module 602 is further configured to send a resource replenishment notification message to the first application client in response to the resource replenishment request if the first number is greater than the threshold number of resource transfers.
In another possible implementation, referring to fig. 7, the apparatus further includes:
the returning module 610 is configured to, for any resource transfer record of the target resource account, return the resource transferred into the target resource account to the corresponding resource transfer-out account when the resource transfer record does not include the verification identifier or does not query the balance account corresponding to the verification identifier included in the resource transfer record.
In another possible implementation manner, referring to fig. 7, the sending module 602 is further configured to send a resource return notification to a terminal corresponding to the resource transfer-out account in the resource transfer record.
In another possible implementation, see figure 7,
the obtaining module 604 is further configured to obtain a verification identifier sent by the first application client;
the detecting module 608 is further configured to detect the stored resource transfer record if the verification identifier is the target verification identifier.
It should be noted that: the resource supplementing device provided in the above embodiment is only illustrated by the division of the functional modules when supplementing resources, and in practical applications, the function allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the resource supplementing apparatus and the resource supplementing method provided by the above embodiments belong to the same concept, and specific implementation processes thereof are detailed in the method embodiments and are not described herein again.
Fig. 8 is a schematic structural diagram of a server according to an embodiment of the present application, where the server 800 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 801 and one or more memories 802, where the memory 802 stores at least one instruction, and the at least one instruction is loaded and executed by the processors 801 to implement the methods provided by the foregoing method embodiments. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.
In an exemplary embodiment, a computer-readable storage medium, such as a memory, is also provided that includes instructions executable by a processor in an electronic device to perform the resource replenishment method of the above embodiments. For example, the computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
In an exemplary embodiment, a computer program is also provided, which comprises at least one program code, which is loaded and executed by a processor to implement the resource replenishment method as in the above embodiments.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only exemplary of the present application and should not be taken as limiting, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims (15)

1. A method for resource replenishment, the method comprising:
receiving a resource supplement request sent by a first application client, wherein the resource supplement request is used for requesting to supplement a first amount of resources to a balance account corresponding to a logged user identifier;
in response to the resource replenishment request, sending a resource replenishment notification message to the first application client, the resource replenishment notification message including a target validation identifier, the resource replenishment notification message indicating replenishment of the first quantity of resources to a target resource account based on the target validation identifier;
increasing the amount of the resource in the balance account by the first amount when detecting a resource transfer record meeting a verification condition, wherein the resource transfer record meeting the verification condition is that: the resource transfer record comprises the target verification identification, the transferred account of the resource in the resource transfer record is the target resource account, and the transferred resource quantity is the first quantity.
2. The method of claim 1, wherein before increasing the amount of resources in the balance account by the first amount in the event that a resource transfer record satisfying a validation condition is detected, the method further comprises:
under the condition that the resource transfer operation aiming at the target resource account is detected, acquiring a verification identifier carried by the resource transfer operation;
generating a resource transfer record of the target resource account according to the verification identifier and the resource transfer-in operation, wherein the resource transfer record at least comprises the verification identifier, the resource transfer-in account and the resource transfer quantity;
and storing the resource transfer record.
3. The method of claim 1, wherein after sending a resource replenishment notification message to the first application client in response to the resource replenishment request, the method further comprises:
storing the corresponding relation between the user identification and the target verification identification;
the increasing the amount of the resource in the balance account by the first amount in the case of detecting the resource transfer record satisfying the verification condition includes:
under the condition that the resource transfer records meeting the verification conditions are detected, inquiring the corresponding relation according to the target verification identification, and determining the user identification;
and increasing the resource quantity in the balance account corresponding to the user identification by the first quantity.
4. The method of claim 1, further comprising:
detecting a stored resource transfer record based on the target verification identification;
and under the condition that the verification identifier contained in any resource transfer record is detected to be the target verification identifier, the resource transfer account is detected to be the target resource account, and the transferred resource quantity is the first quantity, determining that the resource transfer record meets the verification condition.
5. The method of claim 1, wherein prior to sending a resource replenishment notification message to the first application client in response to the resource replenishment request, the method further comprises:
and under the condition that the first number is larger than a resource transfer number threshold value, responding to the resource supplement request, and sending the resource supplement notification message to the first application client.
6. The method of claim 1, wherein after sending a resource replenishment notification message to the first application client in response to the resource replenishment request, the method further comprises:
and for any resource transfer record of the target resource account, returning the resource transferred into the target resource account to the corresponding resource transfer-out account under the condition that the resource transfer record does not contain a verification identifier or a balance account corresponding to the verification identifier contained in the resource transfer record is not inquired.
7. The method according to claim 6, wherein for any resource transfer record of the target resource account, after returning the resource transferred into the target resource account to the corresponding resource transfer-out account in the case that the resource transfer record does not contain a verification identifier or does not query a balance account corresponding to the verification identifier contained in the resource transfer record, the method further comprises:
and sending a resource return notification to a terminal corresponding to the resource transfer-out account in the resource transfer record.
8. The method of claim 1, wherein before increasing the amount of resources in the balance account by the first amount in the event that a resource transfer record satisfying a validation condition is detected, the method further comprises:
obtaining a verification identifier sent by the first application client;
and under the condition that the verification identifier is the target verification identifier, detecting the stored resource transfer record.
9. An apparatus for resource replenishment, the apparatus comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a resource supplement request sent by a first application client, and the resource supplement request is used for requesting to supplement a first amount of resources to a balance account corresponding to a logged user identifier;
a sending module, configured to send a resource replenishment notification message to the first application client in response to the resource replenishment request, where the resource replenishment notification message includes a target verification identifier, and the resource replenishment notification message indicates that the first amount of resources are replenished to a target resource account based on the target verification identifier;
a supplement module, configured to, when a resource transfer record that satisfies a verification condition is detected, increase the number of resources in the balance account by the first number, where the resource transfer record satisfies the verification condition is: the resource transfer record comprises the target verification identification, the transferred account of the resource in the resource transfer record is the target resource account, and the transferred resource quantity is the first quantity.
10. The apparatus of claim 9, further comprising:
the acquisition module is used for acquiring a verification identifier carried by the resource transfer-in operation under the condition that the resource transfer-in operation aiming at the target resource account is detected;
the generation module is used for generating a resource transfer record of the target resource account according to the verification identifier and the resource transfer-in operation, wherein the resource transfer record at least comprises the verification identifier, the resource transfer-in account and the resource transfer quantity;
and the record storage module is used for storing the resource transfer record.
11. The apparatus of claim 9, further comprising:
the relation storage module is used for storing the corresponding relation between the user identification and the target verification identification;
the supplementary module includes:
a determining unit, configured to, when a resource transfer record satisfying the verification condition is detected, query the corresponding relationship according to the target verification identifier, and determine the user identifier;
and the supplementing unit is used for increasing the resource quantity in the balance account corresponding to the user identification by the first quantity.
12. The apparatus of claim 9, further comprising:
the detection module is used for detecting the stored resource transfer record based on the target verification identification;
and the determining module is used for determining that the resource transfer record meets the verification condition under the condition that the verification identifier contained in any resource transfer record is detected to be the target verification identifier, the resource transfer account is detected to be the target resource account, and the transferred resource quantity is the first quantity.
13. The apparatus of claim 9, wherein the sending module is further configured to send the resource replenishment notification message to the first application client in response to the resource replenishment request if the first number is greater than a resource transfer number threshold.
14. A server, comprising one or more processors and one or more memories having stored therein at least one instruction, the at least one instruction being loaded and executed by the one or more processors to perform operations performed by the resource replenishment method of any one of claims 1 to 8.
15. A computer-readable storage medium having stored therein at least one instruction which is loaded and executed by a processor to perform operations performed by the resource replenishment method of any one of claims 1 to 8.
CN202111005869.1A 2021-08-30 2021-08-30 Resource supplementing method, device, server and storage medium Pending CN113706133A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115331412A (en) * 2022-08-10 2022-11-11 支付宝(杭州)信息技术有限公司 Resource processing method and device

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115331412A (en) * 2022-08-10 2022-11-11 支付宝(杭州)信息技术有限公司 Resource processing method and device
CN115331412B (en) * 2022-08-10 2024-04-05 支付宝（中国）网络技术有限公司 Resource processing method and device

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