CN117172769A - Resource transfer method, device, equipment and storage medium - Google Patents

Abstract

The embodiment of the application provides a resource transfer method, a device, equipment and a storage medium, which relate to the technical field of big data, and the method comprises the following steps: obtaining the credit rating of the target user, the account corresponding to the target user and the resources to be transferred of the target user; determining a resource transfer rule corresponding to the target user according to the credit rating and the account of the target user; determining a target account according to the resource transfer rule; performing resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result; and under the condition that the resource transfer result is an unknown result, waiting for obtaining an asynchronous notification result, calculating new resources to be transferred of the target user according to the asynchronous notification result, and returning to execute the steps of obtaining the credit grade of the target user, the account corresponding to the target user and the resources to be transferred of the target user until the resources to be transferred are equal to preset resources. According to the embodiment of the application, the transaction success rate of transferring the resources to the account of the target user can be improved.

Description

Resource transfer method, device, equipment and storage medium

Technical Field

The present application belongs to the technical field of big data, and in particular, relates to a method, an apparatus, a device, and a storage medium for transferring resources.

Background

With the rapid development of consumer financial services, people have also greatly transitioned and promoted the consumer level of consumer financial products. After the consumer uses the consumer financial product to consume, the consumer financial company will transfer the resources to the account bound under the user name according to the collection agreement signed with the user and the third party payment mechanism on the payment date of the user.

Because the consumption finance company can not know the balance detail of the user account, when the third party payment mechanism only supports full-amount resource transfer and the balance of each account of the user is smaller than the resources to be transferred, even if the total amount of the resources of each account is larger than the resources to be transferred, the resource transfer can not be completed for each account of the user, and the resource transfer operation is interrupted. In addition, in the case that the third party payment mechanism does not support online return, the consumption finance company cannot know the specific resource transfer result, which also causes interruption of the resource transfer operation. In the prior art, the resource transfer to the user account cannot be realized under the condition that the resource transfer operation is interrupted, so that the transaction success rate of the resource transfer is lowered.

Disclosure of Invention

The embodiment of the application provides a resource transfer method, a device, equipment and a storage medium, which can improve the transaction success rate of resource transfer to an account of a target user.

In a first aspect, an embodiment of the present application provides a resource transfer method, where the resource transfer method includes: acquiring the credit rating of a target user, at least one account corresponding to the target user and related to a target credit service, and resources to be transferred of the target user in the target credit service; determining a resource transfer rule corresponding to the target user according to the credit rating and the account of the target user; determining a target account from the accounts according to the resource transfer rule; performing resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result; and under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, the asynchronous notification result is waited to be acquired, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, the credit grade of the target user is returned to be acquired, at least one account corresponding to the target user and related to the target credit business, and the resources to be transferred of the target user in the target credit business are returned until the resources to be transferred are equal to preset resources.

According to an embodiment of the first aspect of the present application, the resource transfer rule includes a priority of the account, and determining the target account from the accounts according to the resource transfer rule includes: and determining the account with the highest priority from the accounts as a target account according to the priority of the accounts.

According to any one of the foregoing embodiments of the first aspect of the present application, the resource transfer rule includes a resource transfer ratio, and before performing a resource transfer operation on the target account according to a resource to be transferred, to obtain a resource transfer result, the resource transfer method further includes: and determining a target resource transfer proportion which needs to carry out resource transfer operation on the target account from the resource transfer proportion according to the resource transfer rule.

According to any of the foregoing embodiments of the first aspect of the present application, according to a resource transfer request, performing a resource transfer operation on a target account to obtain a resource transfer result, including: and carrying out resource transfer operation on the target account according to the transfer proportion of the resources to be transferred and the target resources to obtain a resource transfer result.

According to any of the foregoing embodiments of the first aspect of the present application, performing a resource transfer operation on a target account according to a ratio of resources to be transferred to target resources to obtain a resource transfer result, including: and under the condition that the target account is an account which does not support partial resource transfer or the target account is an account which supports partial resource transfer and the target resource transfer proportion is a preset resource transfer proportion, performing resource transfer operation on the target account according to the resource to be transferred and the target resource transfer proportion to obtain a resource transfer result.

According to any of the foregoing embodiments of the first aspect of the present application, when the target account is an account supporting partial resource transfer and the target resource transfer ratio is not a preset resource transfer ratio, returning to execute to determine the target account from the accounts according to the resource transfer rule.

According to any one of the foregoing embodiments of the first aspect of the present application, after performing a resource transfer operation on a target account according to a resource to be transferred to obtain a resource transfer result, the resource transfer method further includes: under the condition that the resource transfer result is that the resource transfer is successful or the resource transfer fails, calculating the residual resources to be transferred of the target user as new resources to be transferred; if the resources to be transferred are not equal to the preset resources, if an account with lower priority than the target account exists, returning to execute the process of determining the target account from the accounts according to the resource transfer rule; and if the resource transfer proportion of the resource transfer operation which is not performed on the target account exists under the condition that the account with lower priority than the target account does not exist, returning to execute the process of determining the target account from the accounts according to the resource transfer rule.

According to any of the foregoing embodiments of the first aspect of the present application, when the result of the resource transfer is an unknown result, the resource transfer operation is interrupted, waiting for obtaining an asynchronous notification result, and according to the asynchronous notification result, calculating remaining resources to be transferred of the target user as new resources to be transferred, and returning to execute the obtaining of the credit level of the target user, at least one account corresponding to the target user and related to the target credit service, and the resources to be transferred of the target user in the target credit service until the resources to be transferred are equal to preset resources, including: and under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, an asynchronous notification result of successful or failed resource transfer is waited to be obtained, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, the credit grade of the target user is returned to be obtained, at least one account corresponding to the target user and related to the target credit business and the resources to be transferred of the target user in the target credit business are returned until the resources to be transferred are equal to preset resources, or no account with lower priority than the target account exists, and no resource transfer proportion for performing the resource transfer operation on the target account does not exist.

In a second aspect, an embodiment of the present application provides a resource transfer device, where the resource transfer device includes: the acquisition module is used for acquiring the credit grade of the target user, at least one account corresponding to the target user and related to the target credit business, and resources to be transferred of the target user in the target credit business; the first determining module is used for determining a resource transfer rule corresponding to the target user according to the credit rating and the account of the target user; the second determining module is used for determining a target account from the accounts according to the resource transfer rule; the first resource transfer module is used for carrying out resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result; and the second resource transfer module is used for interrupting the resource transfer operation under the condition that the resource transfer result is an unknown result, waiting for obtaining an asynchronous notification result, calculating the residual resources to be transferred of the target user as new resources to be transferred according to the asynchronous notification result, and returning to execute the credit grade of the target user, at least one account corresponding to the target user and related to the target credit service, and the resources to be transferred of the target user in the target credit service until the resources to be transferred are equal to preset resources.

In a third aspect, an embodiment of the present application provides an electronic device, including: a processor, a memory and a computer program stored on the memory and executable on the processor, the computer program implementing the steps of the resource transfer method as provided in the first aspect when being executed by the processor.

In a fourth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the resource transfer method as provided in the first aspect.

The resource transfer method, the device, the equipment and the storage medium provided by the embodiment of the application can determine the resource transfer rule corresponding to the target user according to the credit grade of the target user and the account corresponding to the target user and related to the target credit service. Because the determination of the resource transfer rule is related to the account, when the target account is determined according to the resource transfer rule and the resource transfer operation is carried out on the target account, the probability of failure in resource transfer caused by incapability of carrying out the resource transfer on the account can be reduced as far as possible. And even if the resource transfer operation is interrupted because the resource transfer result is unknown, the resource transfer can be continuously carried out on the account of the target user after the asynchronous notification result is obtained. According to the embodiment of the application, the differentiated resource transfer of different target users can be realized, the probability of resource transfer failure can be reduced through flexible adjustment of the resource transfer rule, the transaction success rate of resource transfer of different accounts is effectively improved, and after the resource transfer operation is interrupted, the resource transfer of the accounts can be continuously carried out according to the asynchronous notification result, so that the influence of the resource transfer failure caused by the interruption of the resource transfer operation on the transaction success rate of the resource transfer is avoided.

Drawings

In order to more clearly illustrate the technical solution of the embodiments of the present application, the drawings that are needed to be used in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.

FIG. 1 is a schematic flow chart of a resource transfer method according to an embodiment of the present application;

FIG. 2 is a flow chart of another resource transfer method according to an embodiment of the present application;

FIG. 3 is a flow chart of another resource transfer method according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of a resource transferring device according to an embodiment of the present application;

fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described in further detail below with reference to the accompanying drawings and the detailed embodiments. It should be understood that the particular embodiments described herein are meant to be illustrative of the application only and not limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the application by showing examples of the application.

It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.

It should be understood that the term "and/or" as used herein is merely one relationship describing the association of the associated objects, meaning that there may be three relationships, e.g., a and/or B, may represent: a exists alone, A and B exist together, and B exists alone. In addition, the character "/" herein generally indicates that the front and rear associated objects are an "or" relationship.

It will be apparent to those skilled in the art that various modifications and variations can be made in the present application without departing from the spirit or scope of the application. Accordingly, it is intended that the present application covers the modifications and variations of this application provided they come within the scope of the appended claims (the claims) and their equivalents. The embodiments provided by the embodiments of the present application may be combined with each other without contradiction.

It should be noted that, in the embodiment of the present application, the acquisition, storage, use, processing, etc. of the data all conform to the relevant regulations of the national laws and regulations.

Before describing the technical solution provided by the embodiments of the present application, in order to facilitate understanding of the embodiments of the present application, the present application firstly specifically describes the problems existing in the prior art:

as described above, the inventor of the present application found that, in the case where the third party payment mechanism only supports full-amount resource transfer and the balance of each account of the user is smaller than the amount of resources to be transferred, even if the balance sum of each account is larger than the amount of resources to be transferred, the transfer of resources cannot be completed for each account of the user, resulting in interruption of the resource transfer operation. In addition, in the case that the third party payment mechanism does not support online return, the loan system will not continue to transfer resources to other accounts under the user name because the payment system of the consuming finance company cannot learn the specific resource transfer result, so the resource transfer operation will be interrupted. And the related technology cannot realize the resource transfer of the user account under the condition that the resource transfer operation is interrupted. And under the condition that the resource transfer fails, the related technology usually carries out one or more times of deduction on the user account in the same day, but the resource transfer fails with high probability, and the transaction success rate of the resource transfer is lowered due to the fact that the resource transfer frequency is too high.

In order to solve the problems in the prior art, the embodiment of the application provides a resource transfer method, a device, equipment and a storage medium.

The resource transfer method provided by the embodiment of the application is first described below.

Fig. 1 is a flow chart of a resource transfer method according to an embodiment of the present application. As shown in fig. 1, the method may include the following steps S101 to S105.

S101, obtaining the credit grade of a target user, at least one account corresponding to the target user and related to a target credit service, and transferring resources of the target user in the target credit service.

S102, determining a resource transfer rule corresponding to the target user according to the credit rating and the account of the target user.

S103, determining a target account from the accounts according to the resource transfer rule.

S104, performing resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result.

And S105, under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, the asynchronous notification result is waited for to be acquired, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, and the step S101 is executed until the resources to be transferred are equal to the preset resources.

The specific implementation of each of the above steps will be described in detail below.

The resource transfer method provided by the embodiment of the application can determine the resource transfer rule corresponding to the target user according to the credit grade of the target user and the account corresponding to the target user and related to the target credit service. Because the determination of the resource transfer rule is related to the account, when the target account is determined according to the resource transfer rule and the resource transfer operation is carried out on the target account, the probability of failure in resource transfer caused by incapability of carrying out the resource transfer on the account can be reduced as far as possible. And even if the resource transfer operation is interrupted because the resource transfer result is unknown, the resource transfer can be continuously carried out on the account of the target user after the asynchronous notification result is obtained. According to the embodiment of the application, the differentiated resource transfer of different target users can be realized, the probability of resource transfer failure can be reduced through flexible adjustment of the resource transfer rule, the transaction success rate of resource transfer of different accounts is effectively improved, and after the resource transfer operation is interrupted, the resource transfer of the accounts can be continuously carried out according to the asynchronous notification result, so that the influence of the resource transfer failure caused by the interruption of the resource transfer operation on the transaction success rate of the resource transfer is avoided.

A specific implementation of each of the above steps is described below.

In S101, the credit rating of the target user may be determined according to the number of overdue days of repayment of the target user, and the higher the number of overdue days of repayment is, the lower the credit rating of the target user is, and the corresponding relationship between the number of overdue days of repayment of the target user and the credit rating is preset, so that the credit rating of the target user may be determined by obtaining the number of overdue days of repayment of the target user. For example, a user with a refund overdue day of 90 days or less may be set to have a first credit rating, and a user with a refund overdue day of 90 days or more may be set to have a second credit rating.

At least one account corresponding to the target user and related to the target credit business can be at least one card number bound under the target user name, each account can respectively correspond to different payment channels, one part of the payment channels corresponding to the accounts can be payment channels supporting part of resource transfer, and the other part of the payment channels corresponding to the accounts can be payment channels only supporting full-amount resource transfer and not supporting part of resource transfer; the payment channels corresponding to one part of the accounts can be payment channels supporting online return, and the payment channels corresponding to the other part of the accounts can be payment channels not supporting online return.

In S102, a resource transfer rule uniquely corresponding to the target user is determined according to the credit rating of the target user and at least one account corresponding to the target user and associated with the target credit service.

For example, the resource transfer rule may include a resource transfer batch, that is, a batch job executed at multiple time points configured by the system, where multiple users may be subjected to a resource transfer operation under the same batch, and the resource transfer rule may further include an account corresponding to the target user, a priority of the account, a number of resource transfers, and a resource transfer proportion of each resource transfer.

As one example, the resource transfer rule may be determined as: batch 1; account A, account B, account C; transferring the resources for three times; 100%,50% and 25%. Wherein, the priority order of the accounts can be A > B > C, the accounts A and C can correspond to the payment channels supporting full-scale resource transfer, and the account B can correspond to the payment channels supporting partial resource transfer; the payment channels corresponding to account a and account B may be payment channels supporting online return, and the payment channel corresponding to account C may be a payment channel not supporting online return.

The above resource transfer rule may be resolved to, for the first time, transfer resources to account A, B, C at a resource transfer rate of 100%; performing resource transfer on the accounts A, B, C respectively at a resource transfer proportion of 50% for the second time; the account A, B, C was resource transferred a third time at a resource transfer rate of 25%. The configuration of the resource transfer rule is not limited in the embodiment of the application.

In S103, according to the resource transfer rule uniquely corresponding to the target user, a target account is determined from all accounts corresponding to the target user and related to the target credit service. The target account may be an account for which a resource transfer operation is currently required.

As an implementation manner of S103, S103 may specifically include: and determining the account with the highest priority from the accounts as a target account according to the priority of the accounts.

If the accounts which are not subjected to the resource transfer operation exist under the current resource transfer proportion, taking the account with the highest priority in the accounts which are not subjected to the resource transfer operation as a target account; if the accounts which are not executed with the resource transfer operation do not exist under the current resource transfer proportion, taking the account with the highest priority in all the accounts as the target account.

As an example, the above resource transfer rule is described as an example. If the current resource transfer proportion is 100%, determining that the account C is a target account at the condition that the priority of the account C which is not subjected to the resource transfer operation is higher than the priority of the account A by 50% under the condition that the resource transfer proportion is 100%; if the account A, B, C has been subjected to the resource transfer operation at a 100% resource transfer ratio, then account a is determined to be the target account.

As shown in fig. 2, the resource transfer method may further include the following step S201 before S104.

S201, determining a target resource transfer proportion which needs to carry out resource transfer operation on the target account from the resource transfer proportion according to the resource transfer rule.

And determining the target resource transfer proportion of the target account to be subjected to the resource transfer operation from all the resource transfer proportions according to the resource transfer proportion in the resource transfer rule. The target resource transfer proportion may be a resource transfer proportion that currently requires a resource transfer operation to the target account. Illustratively, the target resource transfer proportion of the first resource transfer may be 100%, the target resource transfer proportion of the second resource transfer may be 50%, and the target resource transfer proportion of the third resource transfer may be 25%.

In S104, according to the resource to be transferred, performing a resource transfer operation on the target account, to obtain a resource transfer result of successful resource transfer and failure resource transfer or an unknown resource transfer result.

As an implementation manner of S104, S104 may specifically include: and carrying out resource transfer operation on the target account according to the transfer proportion of the resources to be transferred and the target resources to obtain a resource transfer result.

And performing resource transfer operation on the target account by the product of the resource to be transferred and the target resource transfer proportion to obtain a resource transfer result.

As another implementation manner of S104, performing a resource transfer operation on the target account according to the ratio of the resources to be transferred to the target resource transfer, to obtain a resource transfer result may specifically include:

and under the condition that the target account is an account which does not support partial resource transfer or the target account is an account which supports partial resource transfer and the target resource transfer proportion is a preset resource transfer proportion, performing resource transfer operation on the target account according to the resource to be transferred and the target resource transfer proportion to obtain a resource transfer result.

Illustratively, the above resource transfer rule is described as an example. Since account B corresponds to a payment channel supporting partial resource transfer, account B is an account supporting partial resource transfer. In general, for an account supporting partial resource transfer, a resource transfer operation is generally performed only at a resource transfer ratio of 100%, and the resource transfer operation may cause the balance of the account B to be transferred, so that the resource transfer process for the account B is not required. Therefore, before the resource transfer operation is performed on the target account, whether the target account is the account which has been subjected to the resource transfer operation and supports part of the resource transfer can be confirmed, namely whether the target account is the account B or not is confirmed, and whether the target resource transfer proportion is 100%.

And under the condition that the target account is an account A or C which does not support partial resource transfer, or the target account is an account B which supports partial resource transfer and the target resource transfer proportion is 100% of the preset resource transfer proportion, performing resource transfer operation on the target account according to the resource to be transferred and the target resource transfer proportion to obtain a resource transfer result.

And under the condition that the target account is an account B supporting partial resource transfer and the target resource transfer proportion is not 100 percent (the target resource transfer proportion is 50 percent or 25 percent), the resource transfer operation is not carried out on the target account B according to the resource transfer proportion (50 percent or 25 percent) and the target account C is determined from the accounts according to the resource transfer rule.

As shown in fig. 3, after S104, the resource transfer method may further include the following step S301.

And S301, calculating the residual resources to be transferred of the target user as new resources to be transferred when the resource transfer result is that the resource transfer is successful or the resource transfer fails.

S302, if the resources to be transferred are not equal to the preset resources, if an account with lower priority than the target account exists, returning to the step S103.

For example, the preset resource may be set to 0, and in the case where the resources to be transferred are not equal to 0, it is indicated that the target user has not yet cleared the loan addition. If there is an account with a lower priority than the target account at the target resource transfer ratio, the process returns to step S103, and the account with the highest priority is determined from the accounts as the target account.

As an example, the above resource transfer rule is described as an example. If the target resource transfer proportion is 100%, the target account is account A. After the resource transfer operation is performed on the account a according to the resource transfer proportion of 100%, a resource transfer result is obtained, and the calculated resource transfer proportion is not equal to 0.

If there is no account with a lower priority than the target account, step S303 is executed if there is a resource transfer ratio for which a resource transfer operation has not been performed on the target account.

As an example, the above resource transfer rule is described as an example. If the target resource transfer proportion is 50%, the target account is account C. After the resource transfer operation is performed on the account C according to the resource transfer proportion of 50%, a resource transfer result is obtained, and the calculated resource transfer proportion is not equal to 0. At this time, the resource transfer operation is not performed on the account C at the resource transfer ratio of 25%, so step S103 is executed again to determine that the next target account is the account a.

And if the target resource transfer proportion is 25%, the target account is account C. After the account C is subjected to resource transfer operation according to the resource transfer proportion of 25%, a resource transfer result is obtained, and the calculated resource transfer is not equal to 0 at this time.

In S105, for a payment channel that does not support online return, when performing a resource transfer operation on a target account corresponding to the payment channel, a specific resource transfer result may not be obtained, that is, the resource transfer result is an unknown result. In order to avoid multi-deduction and error deduction of a target account, the consumption finance company can interrupt the resource transfer operation of the target user under the condition that the specific resource transfer result of the target account cannot be known until a payment system of the consumption finance company receives the specific resource transfer result fed back by the third-party payment mechanism or obtains the specific resource transfer result by sending a query request to the third-party payment mechanism. And in the process that the payment system waits for acquiring a specific resource transfer result, namely an asynchronous notification result, the third-party payment mechanism performs resource transfer operation on other users in the same batch.

When the payment system receives the asynchronous notification result including the specific resource transfer result, because the user data such as the credit level of the target user, the account corresponding to the target user, and the like, which are acquired previously, are lost, the current resources to be transferred can only be calculated according to the asynchronous notification result, so that the execution step S101 needs to be returned to, the relevant data of the target user is acquired again, and the resource transfer rule corresponding to the target user is redetermined, so that the resource transfer is continued on the account of the target user until the resources to be transferred are equal to the preset resources, and the target user still pays back the loan.

As another implementation manner of S105, S105 may specifically include: and under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, an asynchronous notification result of successful or failed resource transfer is waited to be obtained, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, the credit grade of the target user is returned to be obtained, at least one account corresponding to the target user and related to the target credit business and the resources to be transferred of the target user in the target credit business are returned until the resources to be transferred are equal to preset resources, or no account with lower priority than the target account exists, and no resource transfer proportion for performing the resource transfer operation on the target account does not exist.

Illustratively, the above resource transfer rule is described as an example. Because the payment channel corresponding to the account C is a payment channel which does not support online return, when the account C is subjected to resource transfer operation at a resource transfer proportion of 100%, the resource transfer operation is interrupted for the first time, the asynchronous notification result is waited to be acquired, after the asynchronous notification result is acquired, the current resources to be transferred are calculated according to the specific resource transfer result, the execution step S101 is returned, and the resource transfer rule is obtained again. At this time, since there is no account with a lower priority than the account C at the resource transfer ratio of 100%, the target account is determined to be the account a, and the resource transfer operation is performed on the account a according to the resource to be transferred and the resource transfer ratio of 50%, until the resource to be transferred is equal to the preset resource, or there is no account with a lower priority than the target account, and there is no resource transfer ratio at which the resource transfer operation is not performed on the target account, and the resource transfer operation on the target user is ended.

Based on the resource transfer method provided by the embodiment, correspondingly, the application further provides a specific implementation mode of the resource transfer device. Please refer to the following examples.

Referring first to fig. 4, a resource transferring apparatus 400 provided in an embodiment of the present application includes the following modules:

an obtaining module 401, configured to obtain a credit rating of a target user, at least one account corresponding to the target user and related to a target credit service, and resources to be transferred by the target user in the target credit service;

a first determining module 402, configured to determine a resource transfer rule corresponding to the target user according to the credit rating and the account of the target user;

a second determining module 403, configured to determine a target account from the accounts according to the resource transfer rule;

a first resource transfer module 404, configured to perform a resource transfer operation on the target account according to the transferred resource, so as to obtain a resource transfer result;

and the second resource transfer module 405 is configured to, if the resource transfer result is an unknown result, interrupt the resource transfer operation, wait for obtaining an asynchronous notification result, calculate, according to the asynchronous notification result, a remaining resources to be transferred of the target user as new resources to be transferred, return to executing and obtaining a credit level of the target user, at least one account corresponding to the target user and related to the target credit service, and the resources to be transferred of the target user in the target credit service until the resources to be transferred are equal to preset resources.

The resource transfer device provided by the embodiment of the application can determine the resource transfer rule corresponding to the target user according to the credit grade of the target user and the account corresponding to the target user and related to the target credit service. Because the determination of the resource transfer rule is related to the account, when the target account is determined according to the resource transfer rule and the resource transfer operation is carried out on the target account, the probability of failure in resource transfer caused by incapability of carrying out the resource transfer on the account can be reduced as far as possible. And even if the resource transfer operation is interrupted because the resource transfer result is unknown, the resource transfer can be continuously carried out on the account of the target user after the asynchronous notification result is obtained. According to the embodiment of the application, the differentiated resource transfer of different target users can be realized, the probability of resource transfer failure can be reduced through flexible adjustment of the resource transfer rule, the transaction success rate of resource transfer of different accounts is effectively improved, and after the resource transfer operation is interrupted, the resource transfer of the accounts can be continuously carried out according to the asynchronous notification result, so that the influence of the resource transfer failure caused by the interruption of the resource transfer operation on the transaction success rate of the resource transfer is avoided.

In some embodiments, the second determining module 403 is specifically configured to determine, according to the priority of the accounts, an account with the highest priority from the accounts as the target account.

In some embodiments, the resource transferring apparatus 400 may further include a third determining module, configured to determine, according to a resource transferring rule, a target resource transferring ratio that needs to perform a resource transferring operation on the target account from the resource transferring ratios.

In some embodiments, the first resource transfer module 404 is specifically configured to perform a resource transfer operation on the target account according to the transfer-to-be-transferred resource and the target resource transfer ratio, so as to obtain a resource transfer result.

In some embodiments, the first resource transfer module 404 may be further configured to, when the target account is an account that does not support partial resource transfer, or the target account is an account that supports partial resource transfer, and the target resource transfer ratio is a preset resource transfer ratio, perform a resource transfer operation on the target account according to the to-be-transferred resource and the target resource transfer ratio, so as to obtain a resource transfer result.

In some embodiments, the first resource transfer module 404 may be further configured to, when the target account is an account supporting partial resource transfer and the target resource transfer ratio is not a preset resource transfer ratio, return to execute to determine the target account from the accounts according to the resource transfer rule.

In some embodiments, the above-mentioned resource transferring apparatus 400 may further include a fourth determining module, configured to calculate, as the new resources to be transferred, the remaining resources to be transferred of the target user, if the result of the resource transfer is that the resource transfer is successful or the resource transfer fails; if the resources to be transferred are not equal to the preset resources, if an account with lower priority than the target account exists, returning to execute the process of determining the target account from the accounts according to the resource transfer rule; and if the resource transfer proportion of the resource transfer operation which is not performed on the target account exists under the condition that the account with lower priority than the target account does not exist, returning to execute the process of determining the target account from the accounts according to the resource transfer rule.

In some embodiments, the second resource transfer module 405 is specifically configured to, when the result of the resource transfer is an unknown result, interrupt the resource transfer operation, wait for obtaining an asynchronous notification result of a successful resource transfer or a failure of the resource transfer, calculate, according to the asynchronous notification result, a remaining resource to be transferred of the target user as a new resource to be transferred, return to executing the credit level of the target user, at least one account corresponding to the target user and related to the target credit service, and the resource to be transferred of the target user in the target credit service until the resource to be transferred is equal to a preset resource, or there is no account with a priority lower than that of the target account, and there is no resource transfer proportion for which the resource transfer operation has not been performed on the target account.

Each module in the apparatus shown in fig. 4 has a function of implementing each step in fig. 1, and can achieve a corresponding technical effect, which is not described herein for brevity.

Based on the resource transfer method provided by the embodiment, correspondingly, the application further provides a specific implementation mode of the electronic equipment. Please refer to the following examples.

Fig. 5 shows a schematic hardware structure of an electronic device according to an embodiment of the present application.

The electronic device may include a processor 501 and a memory 502 storing computer program instructions.

In particular, the processor 501 may include a central processing unit (Central Processing Unit, CPU), or an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured as one or more integrated circuits implementing embodiments of the present application.

Memory 502 may include mass storage for data or instructions. By way of example, and not limitation, memory 502 may comprise a Hard Disk Drive (HDD), floppy Disk Drive, flash memory, optical Disk, magneto-optical Disk, magnetic tape, or universal serial bus (Universal Serial Bus, USB) Drive, or a combination of two or more of the foregoing. In one example, memory 502 may include removable or non-removable (or fixed) media, or memory 502 may be a non-volatile solid state memory. Memory 502 may be internal or external to the integrated gateway disaster recovery device.

In one example, memory 502 may be Read Only Memory (ROM). In one example, the ROM may be mask-programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically Erasable PROM (EEPROM), electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of these.

Memory 502 may include Read Only Memory (ROM), random Access Memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical/tangible memory storage devices. Thus, in general, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to a method in accordance with an aspect of the application.

The processor 501 reads and executes the computer program instructions stored in the memory 502 to implement the methods/steps S101 to S105 in the embodiment shown in fig. 1, and achieve the corresponding technical effects achieved by executing the methods/steps in the embodiment shown in fig. 1, which are not described herein for brevity.

In one example, the electronic device may also include a communication interface 503 and a bus 510. As shown in fig. 5, the processor 501, the memory 502, and the communication interface 503 are connected to each other by a bus 510 and perform communication with each other.

The communication interface 503 is mainly used to implement communication between each module, apparatus, unit and/or device in the embodiments of the present application.

Bus 510 includes hardware, software, or both that couple components of the electronic device to one another. By way of example, and not limitation, the buses may include an accelerated graphics port (Accelerated Graphics Port, AGP) or other graphics Bus, an enhanced industry standard architecture (Extended Industry Standard Architecture, EISA) Bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an industry standard architecture (Industry Standard Architecture, ISA) Bus, an infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a micro channel architecture (MCa) Bus, a Peripheral Component Interconnect (PCI) Bus, a PCI-Express (PCI-X) Bus, a Serial Advanced Technology Attachment (SATA) Bus, a video electronics standards association local (VLB) Bus, or other suitable Bus, or a combination of two or more of the above. Bus 510 may include one or more buses, where appropriate. Although embodiments of the application have been described and illustrated with respect to a particular bus, the application contemplates any suitable bus or interconnect.

In addition, in combination with the resource transfer method in the above embodiment, the embodiment of the present application may be implemented by providing a computer readable storage medium. The computer readable storage medium has stored thereon computer program instructions; the computer program instructions, when executed by a processor, implement any of the resource transfer methods of the above embodiments. Examples of computer readable storage media include non-transitory computer readable storage media such as electronic circuits, semiconductor memory devices, ROMs, random access memories, flash memories, erasable ROMs (EROM), floppy disks, CD-ROMs, optical disks, hard disks.

It should be understood that the application is not limited to the particular arrangements and instrumentality described above and shown in the drawings. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the present application are not limited to the specific steps described and shown, and those skilled in the art can make various changes, modifications and additions, or change the order between steps, after appreciating the spirit of the present application.

The functional blocks shown in the above-described structural block diagrams may be implemented in hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), suitable firmware, a plug-in, a function card, or the like. When implemented in software, the elements of the application are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine readable medium or transmitted over transmission media or communication links by a data signal carried in a carrier wave. A "machine-readable medium" may include any medium that can store or transfer information. Examples of machine-readable media include electronic circuitry, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio Frequency (RF) links, and the like. The code segments may be downloaded via computer networks such as the internet, intranets, etc.

It should also be noted that the exemplary embodiments mentioned in this disclosure describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, or may be performed in a different order from the order in the embodiments, or several steps may be performed simultaneously.

Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.

In the foregoing, only the specific embodiments of the present application are described, and it will be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the systems, modules and units described above may refer to the corresponding processes in the foregoing method embodiments, which are not repeated herein. It should be understood that the scope of the present application is not limited thereto, and any equivalent modifications or substitutions can be easily made by those skilled in the art within the technical scope of the present application, and they should be included in the scope of the present application.

Claims (10)

1. A method of resource transfer, the method comprising:

acquiring a credit rating of a target user, at least one account corresponding to the target user and related to a target credit service, and resources to be transferred by the target user in the target credit service;

determining a resource transfer rule corresponding to the target user according to the credit rating of the target user and the account;

determining a target account from the accounts according to the resource transfer rule;

performing resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result;

And under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, an asynchronous notification result is waited to be acquired, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, the credit grade of the acquired target user is returned to be executed, at least one account corresponding to the target user and related to a target credit service, and the resources to be transferred of the target user in the target credit service are returned until the resources to be transferred are equal to preset resources.

2. The method of claim 1, wherein the resource transfer rule includes a priority of the account, and wherein the determining a target account from the accounts according to the resource transfer rule includes:

and determining the account with the highest priority from the accounts as the target account according to the priority of the accounts.

3. The method of claim 2, wherein the resource transfer rule includes a resource transfer ratio, and wherein before the performing the resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result, the method further includes:

Determining a target resource transfer proportion of the target account to be subjected to resource transfer operation from the resource transfer proportion according to the resource transfer rule;

and performing resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result, wherein the resource transfer operation comprises the following steps:

and performing resource transfer operation on the target account according to the resource transfer proportion and the target resource transfer proportion to obtain a resource transfer result.

4. The method of claim 3, wherein performing a resource transfer operation on the target account according to the resource transfer proportion and the target resource transfer proportion to obtain a resource transfer result includes:

and carrying out resource transfer operation on the target account according to the resources to be transferred and the target resource transfer proportion under the condition that the target account is an account which does not support partial resource transfer or the target account is an account which supports partial resource transfer and the target resource transfer proportion is a preset resource transfer proportion, so as to obtain a resource transfer result.

5. The method of claim 3, wherein the determining the target account from the accounts according to the resource transfer rule is performed in a case where the target account is an account supporting partial resource transfer and the target resource transfer ratio is not a preset resource transfer ratio.

6. The method of claim 3, wherein after performing a resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result, the method further comprises:

under the condition that the resource transfer result is that the resource transfer is successful or the resource transfer fails, calculating the residual resources to be transferred of the target user as new resources to be transferred;

if the resources to be transferred are not equal to the preset resources, if an account with lower priority than the target account exists, returning to execute the process of determining the target account from the accounts according to the resource transfer rule;

and if the resource transfer proportion of the resource transfer operation not performed on the target account exists under the condition that the account with lower priority than the target account does not exist, returning to execute the process of determining the target account from the accounts according to the resource transfer rule.

7. The method according to claim 6, wherein in the case that the resource transfer result is an unknown result, the resource transfer operation is interrupted, waiting for obtaining an asynchronous notification result, and calculating remaining resources to be transferred of the target user as new resources to be transferred according to the asynchronous notification result, returning to execute the obtaining the credit level of the target user, at least one account corresponding to the target user and related to a target credit service, and resources to be transferred of the target user in the target credit service until the resources to be transferred are equal to preset resources, including:

And under the condition that the resource transfer result is an unknown result, the resource transfer operation is interrupted, an asynchronous notification result of successful resource transfer or failure resource transfer is waited to be obtained, the residual resources to be transferred of the target user are calculated as new resources to be transferred according to the asynchronous notification result, the credit grade of the obtained target user is returned to be executed, the at least one account corresponding to the target user and related to the target credit service and the resources to be transferred of the target user in the target credit service are returned until the resources to be transferred are equal to preset resources, or no account with lower priority than the target account exists, and no resource transfer proportion of the resource transfer operation is carried out on the target account.

8. A resource transfer device, the device comprising:

the acquisition module is used for acquiring the credit grade of a target user, at least one account corresponding to the target user and related to a target credit service, and resources to be transferred of the target user in the target credit service;

the first determining module is used for determining a resource transfer rule corresponding to the target user according to the credit rating of the target user and the account;

The second determining module is used for determining a target account from the accounts according to the resource transfer rule;

the first resource transfer module is used for carrying out resource transfer operation on the target account according to the resources to be transferred to obtain a resource transfer result;

and the second resource transfer module is used for interrupting the resource transfer operation under the condition that the resource transfer result is an unknown result, waiting for obtaining an asynchronous notification result, calculating the residual resources to be transferred of the target user as new resources to be transferred according to the asynchronous notification result, and returning to execute the credit grade of the obtained target user, at least one account corresponding to the target user and related to the target credit service, and the resources to be transferred of the target user in the target credit service until the resources to be transferred are equal to preset resources.

9. An electronic device, the electronic device comprising: a processor, a memory and a computer program stored on the memory and executable on the processor, which when executed by the processor performs the steps of the resource transfer method according to any of claims 1 to 7.

10. A computer readable storage medium, characterized in that the computer readable storage medium has stored thereon a computer program which, when executed by a processor, implements the steps of the resource transfer method according to any of claims 1 to 7.