CN115511605A

CN115511605A - Data resource processing method and device

Info

Publication number: CN115511605A
Application number: CN202211261522.8A
Authority: CN
Inventors: 王金华; 张宝龙; 汤涯云
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2022-10-14
Filing date: 2022-10-14
Publication date: 2022-12-23

Abstract

When a payment substituting request is received, because the payment substituting request comprises account identifications respectively corresponding to a plurality of target side accounts and data resource quantity to be transferred respectively corresponding to the plurality of target side accounts, the total quantity of the data resource to be transferred can be determined according to the data resource quantity to be transferred respectively corresponding to the plurality of target side accounts, and then the data resource transfer between an entrusting side account and a summary account is completed based on the total quantity of the data resource to be transferred. And for each target side account in the plurality of target side accounts, completing the data resource transfer between the summary account and the target side account according to the account identification corresponding to the target side account and the data resource amount to be transferred corresponding to the target side account, and generating a second detail flow between the summary account and each target side account. Therefore, the method and the device greatly reduce the detailed flow quantity of the account of the entrusting party, thereby simplifying the account checking complexity of the account of the entrusting party and improving the account checking efficiency.

Description

Data resource processing method and device

Technical Field

The present application relates to the field of finance, and in particular, to a data resource processing method and apparatus.

Background

With the development of economy, the intermediate business of banks develops, wherein the receiving and paying business of the generation develops vigorously, and the intermediate business relates to clothes and eating houses of people. For example: fixed telephone charges and mobile telephone charges such as mobile, unicom and telecommunication charges, internet charges, water charges, electric charges, gas charges, television charges, traffic violation charges, school charges, medical charges and the like are collected instead; surrogates wages, endowment insurance, medical insurance, dividend, social security, unemployment insurance, and the like.

At present, in a data resource processing mode aiming at the generation payment services, a large amount of detailed flow of fund payment and receipt is generated when a plurality of generation payment services are processed, the flow is too much, and the account checking of other funds of clients of consignors is influenced.

Disclosure of Invention

In order to solve the technical problem, the application provides a data resource processing method and device, and the detailed flow quantity of the account of the consignor is greatly reduced, so that the reconciliation complexity of the account of the consignor is simplified, and the reconciliation efficiency is improved.

In a first aspect, an embodiment of the present application provides a data resource processing method, where the method includes:

receiving a payment collection request, wherein the payment collection request comprises account identifications respectively corresponding to a plurality of target side accounts and data resource amounts to be transferred respectively corresponding to the plurality of target side accounts;

determining the total amount of the data resources to be transferred according to the amount of the data resources to be transferred respectively corresponding to the plurality of target party accounts;

finishing the data resource transfer between the account of the entrusting party and the summary account based on the total amount of the data resources to be transferred, and generating a first detail flow;

and for each target party account in the plurality of target party accounts, finishing the data resource transfer between the summary account and the target party account according to the account identification corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account, and generating a second detail flow between the summary account and each target party account.

In one possible implementation, after receiving the collect-pay request, the method further includes:

acquiring the state information of the delivery and payment request;

and if the state information is in an unprocessed state or a to-be-cleared state, executing a step of determining the total amount of the data resources to be transferred according to the amounts of the data resources to be transferred respectively corresponding to the plurality of target side accounts.

In a possible implementation manner, the completing the data resource transfer between the principal account and the summary account based on the total amount of the data resource to be transferred includes:

checking data resource control conditions of the entrusting party account and the target party accounts;

and if the check is passed, finishing the data resource transfer between the account of the principal and the summary account based on the total amount of the data resources to be transferred.

In a possible implementation manner, if the payment-instead request is a payment-instead request, the completing the data resource transfer between the consignor account and the summary account based on the total amount of the data resources to be transferred includes:

transferring the data resources of the total amount of the data resources to be transferred from the consignor account to the summary account;

the completing the data resource transfer between the summary account and the target party account according to the account identifier corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account includes:

and transferring the data resources of the data resource amount to be transferred from the summary account to the corresponding target account according to the account identification corresponding to the target account and the data resource amount to be transferred corresponding to the target account.

In a possible implementation manner, if the payment-for-delivery request is a payment-for-delivery request, the completing the data resource transfer between the consignor account and the summary account based on the total amount of the data resources to be transferred includes:

transferring the data resources of the total amount of the data resources to be transferred from the summary account to the trustee account;

and transferring the data resources of the data resource amount to be transferred from the corresponding target party account to the summary account according to the account identification corresponding to the target party account and the data resource amount to be transferred corresponding to the target party account.

In a second aspect, an embodiment of the present application provides a data resource processing apparatus, where the apparatus includes:

the receiving unit is used for receiving a payment collection request, wherein the payment collection request comprises account identifications respectively corresponding to a plurality of target side accounts and the amount of the data resources to be transferred respectively corresponding to the plurality of target side accounts;

the determining unit is used for determining the total amount of the data resources to be transferred according to the amounts of the data resources to be transferred respectively corresponding to the plurality of target side accounts;

the transfer unit is used for completing the data resource transfer between the consignor account and the summary account based on the total amount of the data resources to be transferred;

a generating unit for generating a first detail flow;

the transfer unit is further configured to, for each of the plurality of destination accounts, complete data resource transfer between the summary account and the destination account according to the account identifier corresponding to the destination account and the amount of the data resource to be transferred corresponding to the destination account;

the generating unit is further configured to generate a second detail flow between the aggregated account and each target party account.

In one possible implementation, the apparatus further includes:

an acquisition unit, configured to acquire status information of the receipt and payment request;

the determining unit is further configured to, if the status information is an unprocessed status or a to-be-cleared status, execute a step of determining a total amount of the data resources to be transferred according to the amounts of the data resources to be transferred respectively corresponding to the plurality of target side accounts.

In a possible implementation manner, the transfer unit is specifically configured to:

checking data resource control conditions of the principal account and the target accounts;

In a possible implementation manner, if the payment withholding request is a payment withholding request, the transfer unit is specifically configured to:

In a possible implementation manner, if the collect-and-pay request is a collect-and-forward request, the transfer unit is specifically configured to:

transferring the data resources of the total amount of the data resources to be transferred from the summary account to the entrusting party account;

According to the technical scheme, a summary account is established, when a payment substituting request is received, the payment substituting request comprises account identifications corresponding to a plurality of target side accounts respectively and data resource amounts to be transferred corresponding to the plurality of target side accounts respectively, so that the total amount of the data resources to be transferred can be determined according to the data resource amounts to be transferred corresponding to the plurality of target side accounts respectively, and then the data resource transfer between an entrusting party account and the summary account is completed based on the total amount of the data resources to be transferred. Because the consignor account and the summary account are used for transferring the data resources based on the total amount of the data resources to be transferred, the generated first detail flow is only one detail flow, and the total amount of the data resources to be consigned and received and paid at this time is reflected, so that the reconciliation complexity of the consignor account is simplified, and the reconciliation efficiency is improved. And for each target party account in the plurality of target party accounts, completing data resource transfer between the summary account and the target party account according to the account identification corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account, and generating a second detail flow between the summary account and each target party account, wherein the second detail flow is used for embodying specific details, so that the single account checking of the target party account is facilitated. Therefore, the method and the device greatly reduce the detailed flow quantity of the account of the entrusting party, thereby simplifying the account checking complexity of the account of the entrusting party and improving the account checking efficiency.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be 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 that other drawings can be obtained according to the drawings without inventive exercise.

Fig. 1 is a flowchart of a data resource processing method according to an embodiment of the present application;

fig. 2 is a block diagram of a delivery and payment system according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of a delivery and delivery contract according to an embodiment of the present application;

FIG. 4 is a schematic diagram illustrating a processing logic of a collect-pay client according to an embodiment of the present application;

FIG. 5 is a schematic diagram of a batch subcontract provided by an embodiment of the present application;

FIG. 6 is a schematic view of a batch state provided by an embodiment of the present application;

fig. 7 is a block diagram of a data resource processing apparatus according to an embodiment of the present application.

Detailed Description

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

In a data resource processing mode for a proxy payment service, a proxy payment request needs to be sent one by one, and when many (for example 1000) proxy payment services are processed, a plurality of (for example 1000) detailed flows are generated, which are too many, and account checking of other funds of clients of an entrustor is affected.

In order to solve the technical problem, the present application provides a data resource processing method, and specifically, when a payment-for-delivery request is received, because the payment-for-delivery request includes account identifiers corresponding to a plurality of target side accounts respectively and data resource amounts to be transferred corresponding to the plurality of target side accounts respectively, a total amount of the data resources to be transferred can be determined according to the data resource amounts to be transferred corresponding to the plurality of target side accounts respectively, and then data resource transfer between an entrusting side account and a summary account is completed based on the total amount of the data resources to be transferred. Because the consignor account and the summary account are used for transferring the data resources based on the total amount of the data resources to be transferred, the generated first detail flow is only one detail flow, and the total amount of the data resources to be consigned and received is reflected, so that the reconciliation complexity of the consignor account is simplified, and the reconciliation efficiency is improved. And for each target party account in the plurality of target party accounts, completing data resource transfer between the summary account and the target party account according to the account identification corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account, and generating a second detail flow between the summary account and each target party account, wherein the second detail flow is used for embodying specific details, so that the single account checking of the target party account is facilitated. Therefore, the method and the device greatly reduce the detailed flow quantity of the account of the entrusting party, thereby simplifying the account checking complexity of the account of the entrusting party and improving the account checking efficiency.

The method provided by the embodiment of the application can be applied to the financial field, such as the collection and payment service of banks. The method provided by the embodiment of the application can be executed by computer equipment, the computer equipment can be provided with a collection and payment system, and the computer equipment can be a terminal or a server.

Next, a data resource processing method provided by the present application will be described with reference to the drawings. Referring to fig. 1, the method comprises:

s101, receiving a collection and payment request, wherein the collection and payment request comprises account identifications respectively corresponding to a plurality of target side accounts and the amount of data resources to be transferred respectively corresponding to the plurality of target side accounts.

The client may request the bank to perform a payment agency service, so that the client transfers the data resource to the target or receives the data resource of the target, where the data resource may be funds. The client may refer to an enterprise client that clients proxy the bank to perform the fund proxy receipt and payment settlement. The target party may refer to a customer who has received funds by the agent. The agency receiving and paying settlement service can refer to a service that a bank receives a client's entrustment to deal with a matter of agency receiving and paying of a specified money by utilizing self settlement convenience.

In this embodiment, the collection and payment system of the computer device may include 5 modules, which are shown in fig. 2, and are a collection and payment service category management module 201, a client and target account subscription management module 202, a collection and payment service processing module 203, a collection and payment service checking and accounting processing module 204, and a collection and payment detail reconciliation module 205, respectively.

In order to implement data resource processing, firstly, the service type of the payment-for-delivery service needs to be defined according to the service type of the client, and this step can be implemented by the payment-for-delivery service type management module 201. The specific service types of the charging and paying service can be seen from table 1:

TABLE 1

Then, the client and target account subscription management is realized through the client and target account subscription management module 202. The entrusting party and the target party sign a contract and determine the business rules of the related collecting and paying business, which are as follows:

(1) And the consignor signs a contract and mainly determines the service type, the receipt and payment settlement type, the agreement name, the contract date and the like, and meanwhile, a summary account is established. The parameter information is explained as follows:

the service type is as follows: take the service type defined in table 1.

The receipt and payment settlement type: collection 01-generation and payment 02-generation.

(2) The target party signs a contract and mainly determines the account, the service type and the protocol content (the continuation mark, the period and the start and stop date) of the target party. The specific parameters are as follows:

the service type is as follows: the service type signed by the consignor is already signed by the consignor.

Renewal mark: yes and no.

And (3) period: the number of months.

Start and stop dates: the start and end dates of the target party contract.

Referring to fig. 3, fig. 3 shows a structure of a delivery and receipt contract, which takes a delivery and receipt service as an example, respectively, and if the delivery and receipt service is a delivery and receipt service, such as pay for wages, the delivery and receipt contract includes a pay for wages agreement, and pay for wages to a target party, and pay for wages through a card or a bankbook of the target party. If the service is a service, such as a service payment, the service payment contract includes a service payment agreement, and the service payment is collected from the target party through the card or the bankbook of the target party.

And then, processing the proxy payment service according to the received proxy payment request. In the process of processing the surrogated charging and paying service, the surrogated charging and paying client can be used for performing preliminary processing on the surrogated charging and paying service, and specifically, the surrogated charging and paying service can be realized by the surrogated charging and paying service processing module 203. The processing logic of the proxy payment client may be as shown in fig. 4, where in fig. 4, the proxy payment client receives a proxy payment request, where the proxy payment request may be embodied in the form of a proxy payment file. The collection and payment file can be transmitted through the internet or a special line, and the special line transmission is more convenient for providing collection and payment service for medium and small enterprises. The receipt-payment client may perform file processing according to the receipt-payment file sent by the client, for example, the receipt-payment client may import the receipt-payment confirmation data table according to the receipt-payment file sent by the client, and then forward the receipt-payment transaction to the fund of the client, and forward the transaction to the receipt-payment back end according to the accounting method, and then, the order of crediting the bank account and then debiting the customer account is adopted, and the receipt-payment back end performs subsequent processing on the receipt-payment request, that is, the processing of the receipt-payment account.

In this embodiment of the application, the collect-pay request may include account identifiers corresponding to a plurality of target side accounts and data resource amounts to be transferred corresponding to a plurality of target side accounts, so as to complete data resource transfer between the principal side account and the summary account, and data resource transfer between the summary account and each target side account.

S102, determining the total amount of the data resources to be transferred according to the amount of the data resources to be transferred respectively corresponding to the plurality of target side accounts.

S103, completing data resource transfer between the consignor account and the summary account based on the total amount of the data resources to be transferred, and generating a first detail flow.

In order to reduce detailed flow generated by data resource transfer between the entrusting party account and the summarizing account, in the embodiment of the application, for a plurality of data resource transfers required by one commission and payment request, the total amount of the data resources to be transferred can be determined according to the amounts of the data resources to be transferred respectively corresponding to a plurality of target party accounts, so that the data resource transfer between the entrusting party account and the summarizing account is completed based on the total amount of the data resources to be transferred. Because the consignor account and the summary account are used for transferring the data resources based on the total amount of the data resources to be transferred, the generated first detail flow is only one detail flow, and the total amount of the data resources to be consigned and received is reflected, so that the reconciliation complexity of the consignor account is simplified, and the reconciliation efficiency is improved. Each data resource transfer represents the data resource transfer between a client and a target, for example, a payment and receipt request is a payroll request, the client is a payroll issuing enterprise, the target is an employee of the enterprise, and a data resource transfer represents the client to issue payroll to an employee. The generation of the first detail flow may be implemented by the receipt and payment detail reconciliation module 205.

If the payment withholding request is a payment withholding request, the data resource transfer between the consignor account and the summary account is completed based on the total amount of the data resources to be transferred, which may be by transferring the data resources of the total amount of the data resources to be transferred from the consignor account to the summary account. If the charging and paying request is a charging request, the data resource transfer between the consignor account and the summary account is completed based on the total amount of the data resources to be transferred, which may be by transferring the data resources of the total amount of the data resources to be transferred from the summary account to the consignor account.

In the related art, when processing the proxy payment and receipt service, the entrusting party needs to send the proxy payment and receipt requests one by one, for example, 1000 target parties need to initiate 1000 proxy payment and receipt requests, and each proxy payment and receipt request is used for requesting data resource transfer with one target party. Thus, when a public account is processed with many (for example, 1000) collecting and paying services, 1000 detailed flows are generated, which are too much flowing, and account checking of other funds of clients of the client is affected. In the embodiment of the application, a proxy payment and receipt request is used for requesting data resource transfer with a plurality of target parties respectively (the target parties are in a batch), and after the total amount of the data resources to be transferred of the consignor for the target parties is obtained through calculation, the data resource transfer of the total amount of the data resources to be transferred can be completed at one time through a summary account and an account of the consignor, so that a detailed flow, namely a first detailed flow, is generated. For example, 1000 target parties are provided, the total amount of the data resources to be transferred (for example, 1 million) can be calculated according to the amount of the data resources to be transferred corresponding to each target party account requested, then the data resources with the value of 1 million can be transferred between the summary account and the entrusting party account at one time, and 1 detail stream is generated, so that the purpose of reducing the stream in the data resource details of the entrusting party client is achieved compared with the related technology, the specific details can be inquired and fed back through the receipt and payment contract details, the account checking complexity is greatly simplified, and the account checking efficiency is improved.

It should be noted that in the embodiment of the present application, it may be necessary to process the delivery requests of multiple batches, the delivery client may establish delivery batches, establish batch sub-contracts, then initiate each delivery service, and enter accounts according to the accounting method, and the established batch sub-contracts are shown in fig. 5 and include a client deposit contract, an agent delivery client service contract, a batch sub-contract (including batch sub-contract a, batch sub-contract b, \8230;, batch sub-contract z), a target service contract (including target service contract 1, target service contract 2, \8230;, target service contract N), and a target deposit contract (including target deposit contract 1, target deposit contract 2, \8230;, target deposit contract N).

It can be understood that the embodiment of the present application may register the generation and payment detail register, and since the batch subcontracts of generation and payment are designed for different batches, the batch register may also be established for different batches, so as to record the generation and payment status of the batch and the number of requested batches, the amount of money, and the number of successful batches and the amount of money. The data resources paid by the consignor are collected and paid by each consignor, and a detail register and a balance register are registered. Namely, each generation payment service through the generation payment system can be traced, and detailed flow can be provided for customers to check accounts.

The collection and payment state can include an unprocessed state, a to-be-cleared state and a cleared state, wherein the unprocessed state is an initial state, the to-be-cleared state is an intermediate state, and the cleared state is a final state. Referring to fig. 6, for a new batch of a receipt and payment request, the new batch is in an unprocessed state, and enters a settled state if batch posting is successful or settlement processing is successful, enters a pending state if batch posting is failed or batch posting is delayed for n days, and finally enters the settled state from the pending state if subsequent batch posting is successful or settlement processing is successful.

Since many surrogated payment requests may be received, that is, a plurality of batches of surrogated payment services need to be processed, but the received surrogated payment requests may be processed in real-time clearing or batch automatic clearing, and also may support delayed n-day clearing. This results in that each collect-pay request may be in a different state and the collect-pay requests for different states may be processed differently. Based on this, after receiving the collection and payment request, the state information of the collection and payment request can be further acquired, and if the state information is in an unprocessed state or a pending state, the step of determining the total amount of the data resources to be transferred according to the amount of the data resources to be transferred respectively corresponding to the plurality of target party accounts can be executed, so that the pending processing of the collection and payment request is completed.

In a possible implementation manner, the manner of completing the data resource transfer between the principal account and the summary account based on the total amount of the data resources to be transferred may be to check the data resource control conditions of the principal account and the multiple target accounts, and if the check is passed, complete the data resource transfer between the principal account and the summary account based on the total amount of the data resources to be transferred. If the check is not passed, an error is reported, so that the purpose of controlling the safety of the data resources under the account is achieved. The above process may be implemented by the proxy payment service checking and accounting processing module 204.

Through security verification, error phenomena such as wrong account generation, excessive or lack of data resources for collection and payment and the like are avoided.

The data resource control condition may include one or more of whether the accounts of the principal and the target are sealed, whether the available balance is sufficient, and a limit, which is not limited in the embodiment of the present application.

S104, aiming at each target party account in the target party accounts, completing the data resource transfer between the summary account and the target party account according to the account identification corresponding to the target party account and the data resource amount to be transferred corresponding to the target party account, and generating a second detail flow between the summary account and each target party account.

Then, for each target party account, according to the account identifier corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account, the data resource transfer between the summary account and the target party account is completed, and a second detail flow between the summary account and each target party account is generated. The second detail flow can embody the concrete details of each target party, each input and output data resource is registered with a detail register and a balance register, and the clear query and the account checking of the data resource transfer can be provided. The generation of the second detail flow may be implemented by the collect-pay detail reconciliation module 205.

It can be understood that, if the payment withholding request is a payment withholding request, the data resource transfer between the summary account and the target account can be completed according to the account identifier corresponding to the target account and the amount of the data resource to be transferred corresponding to the target account, in which the data resource of the amount of the data resource to be transferred is transferred from the summary account to the corresponding target account according to the account identifier corresponding to the target account and the amount of the data resource to be transferred corresponding to the target account. If the payment collection request is a collection request, the data resource transfer between the summary account and the target account is completed according to the account identifier corresponding to the target account and the amount of the data resource to be transferred corresponding to the target account.

In the embodiment of the present application, the reconciliation detail and the receipt detail can be derived according to the contract balance and the detail register of the entrusting party and the target party, including but not limited to the query result in the dimensions of business type, charging time, transaction channel, transaction code and the like.

According to the technical scheme, the summary account is established, when the surrogated payment request is received, the surrogated payment request comprises the account identifications respectively corresponding to the target side accounts and the data resource quantity to be transferred respectively corresponding to the target side accounts, so that the total quantity of the data resource to be transferred can be determined according to the data resource quantity to be transferred respectively corresponding to the target side accounts, and the data resource transfer between the entrusting party account and the summary account is completed based on the total quantity of the data resource to be transferred. Because the consignor account and the summary account are used for transferring the data resources based on the total amount of the data resources to be transferred, the generated first detail flow is only one detail flow, and the total amount of the data resources to be consigned and received is reflected, so that the reconciliation complexity of the consignor account is simplified, and the reconciliation efficiency is improved. And for each target party account in the plurality of target party accounts, completing data resource transfer between the summary account and the target party account according to the account identification corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account, and generating a second detail flow between the summary account and each target party account, wherein the second detail flow is used for embodying specific details, so that the single account checking of the target party account is facilitated. Therefore, the method and the device greatly reduce the detailed flow quantity of the account of the consignor, thereby simplifying the reconciliation complexity of the account of the consignor and improving the reconciliation efficiency.

The safety of the account is guaranteed by controlling the account of the client side and the account of the target side. The capital receiving and paying sequence is controlled, and the bank capital paying risk is prevented; the classification of the service types is clear, and the bank can conveniently count the service development conditions.

Based on the data resource processing method provided in the foregoing embodiment, an embodiment of the present application further provides a data resource processing apparatus, referring to fig. 7, where the apparatus includes:

a receiving unit 701, configured to receive a payment pickup request, where the payment pickup request includes account identifiers corresponding to a plurality of target side accounts respectively and data resource amounts to be transferred corresponding to the plurality of target side accounts respectively;

a determining unit 702, configured to determine a total amount of the data resources to be transferred according to the amounts of the data resources to be transferred respectively corresponding to the multiple target side accounts;

a transfer unit 703, configured to complete data resource transfer between the principal account and the summary account based on the total amount of the data resources to be transferred;

a generating unit 704, configured to generate a first detail flow;

the transfer unit 703 is further configured to, for each target party account of the multiple target party accounts, complete data resource transfer between the summary account and the target party account according to the account identifier corresponding to the target party account and the amount of the data resource to be transferred corresponding to the target party account;

the generating unit 704 is further configured to generate a second detail flow between the aggregated account and each target party account.

In one possible implementation, the apparatus further includes:

an obtaining unit, configured to obtain status information of the delivery/receipt request;

the determining unit is further configured to execute a step of determining a total amount of the data resources to be transferred according to the amounts of the data resources to be transferred respectively corresponding to the multiple target party accounts if the status information is an unprocessed status or a to-be-cleared status.

In a possible implementation manner, if the proxy payment receiving request is a proxy payment request, the transfer unit is specifically configured to:

According to the technical scheme, the summary account is established, when the surrogated payment request is received, the surrogated payment request comprises the account identifications respectively corresponding to the target side accounts and the data resource quantity to be transferred respectively corresponding to the target side accounts, so that the total quantity of the data resource to be transferred can be determined according to the data resource quantity to be transferred respectively corresponding to the target side accounts, and the data resource transfer between the entrusting party account and the summary account is completed based on the total quantity of the data resource to be transferred. Because the consignor account and the summary account are used for transferring the data resources based on the total amount of the data resources to be transferred, the generated first detail flow is only one detail flow, and the total amount of the data resources to be consigned and received is reflected, so that the reconciliation complexity of the consignor account is simplified, and the reconciliation efficiency is improved. And for each target side account in the plurality of target side accounts, according to the account identification corresponding to the target side account and the data resource amount to be transferred corresponding to the target side account, completing data resource transfer between the summary account and the target side account, and generating a second detail flow between the summary account and each target side account, wherein the second detail flow is used for embodying concrete details, so that the single account checking of the target side account is facilitated. Therefore, the method and the device greatly reduce the detailed flow quantity of the account of the entrusting party, thereby simplifying the account checking complexity of the account of the entrusting party and improving the account checking efficiency.

Those of ordinary skill in the art will understand that: all or part of the steps for realizing the method embodiments can be completed by hardware related to program instructions, the program can be stored in a computer readable storage medium, and the program executes the steps comprising the method embodiments when executed; and the aforementioned storage medium may be at least one of the following media: various media that can store program codes, such as a read-only memory (ROM), a RAM, a magnetic disk, or an optical disk.

It should be noted that, in this specification, each embodiment is described in a progressive manner, and the same and similar parts between the embodiments are referred to each other, and each embodiment focuses on differences from other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A method for processing data resources, the method comprising:

2. The method of claim 1, wherein after receiving the collect-and-pay request, the method further comprises:

acquiring the state information of the collection and payment request;

3. The method of claim 1, wherein the completing the data resource transfer between the principal account and the summary account based on the total amount of the data resource to be transferred comprises:

and if the data resources to be transferred pass the check, finishing the data resource transfer between the consignor account and the summary account based on the total amount of the data resources to be transferred.

4. The method according to claim 1 or 2, wherein if the collect-and-pay request is a collect-and-pay request, the completing the data resource transfer between the delegator account and the summary account based on the total amount of the data resources to be transferred comprises:

5. The method according to claim 1 or 2, wherein if the collect-and-pay request is a collect-and-pay request, the completing the data resource transfer between the delegator account and the summary account based on the total amount of the data resources to be transferred comprises:

6. A data resource processing apparatus, characterized in that the apparatus comprises:

a generating unit for generating a first detail flow;

7. The apparatus of claim 6, further comprising:

8. The device according to claim 6, characterized in that said transfer unit is in particular configured to:

9. The apparatus according to claim 6 or 7, wherein if the collect-pay request is a collect-pay request, the transfer unit is specifically configured to:

10. The apparatus according to claim 6 or 7, wherein if the proxy payment request is a proxy payment request, the transfer unit is specifically configured to: