CN117196598A

CN117196598A - Resource transfer method, device, computer equipment and storage medium

Info

Publication number: CN117196598A
Application number: CN202310911638.XA
Authority: CN
Inventors: 王娟
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2023-07-24
Filing date: 2023-07-24
Publication date: 2023-12-08

Abstract

The present application relates to a resource transfer method, apparatus, computer device, storage medium and computer program product. The method comprises the following steps: acquiring a living account of a target object, analyzing historical resource change data of the living account, and determining a resource transfer period and a minimum resource threshold of the living account; determining a transfer time node according to the resource transfer period; generating a resource transfer reminding message under the condition that the time interval between the current time and the transfer time node meets a time condition or the residual resource quantity of the living account is smaller than the minimum resource threshold value; and acquiring a feedback result of the target object aiming at the resource transfer reminding message, and transferring at least part of resources in the resource account of the target object to the living account under the condition that the feedback result represents agreement to transfer. The method can be applied to the technical field of big data. By adopting the method, the waste of computer resources can be avoided.

Description

Resource transfer method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of big data technology, and in particular, to a resource transfer method, a resource transfer device, a computer device, a storage medium, and a computer program product.

Background

The living account is an account for collecting resources that can guarantee normal use of basic services of people. Such as an electric charge account, a water charge account, a cell phone number, and the like. When the resource collection of the living account is carried out, the user automatically carries out resource transfer to the living account through the reserved transfer date. For example, setting number 1 of each month automatically charges the living account with resources, and when the specified date is reached, the resource transfer is automatically completed.

However, with the existing reserved resource transfer technology, if the user does not want to continue to transfer resources after setting reserved resource transfer, but forgets to cancel the reserved resource transfer setting set in the previous stage, the reserved resource transfer is still performed, which causes the user to spend more computer resources to retrieve the transferred resources, thereby wasting the computer resources.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource transfer method, apparatus, computer device, computer-readable storage medium, and computer program product that can avoid wasting computer resources.

In a first aspect, the present application provides a resource transfer method, the method comprising:

Acquiring a living account of a target object, analyzing historical resource change data of the living account, and determining a resource transfer period and a minimum resource threshold of the living account;

determining a transfer time node according to the resource transfer period;

generating a resource transfer reminding message under the condition that the time interval between the current time and the transfer time node meets a time condition or the residual resource quantity of the living account is smaller than the minimum resource threshold value;

and acquiring a feedback result of the target object aiming at the resource transfer reminding message, and transferring at least part of resources in the resource account of the target object to the living account under the condition that the feedback result represents agreement to transfer.

In one embodiment, the time interval between the transfer time node and the current time node meets a time condition, or the number of living accounts with the residual resource quantity of the living accounts smaller than the minimum resource threshold is a plurality;

the transferring at least a portion of the resources in the resource account of the target object to the living account includes:

acquiring respective residual resource amounts of each living account, and carrying out accumulation processing on the residual resource amounts to obtain total resource amounts;

Determining the weight of each living account based on the residual resource amount and the total resource amount of each living account under the condition that the existing resource amount of the resource account of the target object is smaller than the total resource amount;

and distributing the existing resource quantity in the resource account to each living account according to the weight of each living account.

In one embodiment, the time interval between the transfer time node and the current time node meets a time condition, or the number of living accounts with the residual resource quantity of the living accounts smaller than the resource threshold is a plurality;

acquiring respective residual resource amounts of each living account, and accumulating the residual resource amounts to obtain total resource amounts;

determining the daily average resource usage of each living account based on the historical resource change data of each living account under the condition that the existing resource amount of the resource account of the target object is smaller than the total resource amount;

determining the residual usable days corresponding to each living account based on the daily average resource usage amount and the residual resource amount corresponding to each living account;

Determining the weight of each living account based on the corresponding remaining usable days of each living account;

In one embodiment, the analyzing the historical resource change data of the living account to determine the resource transfer period of the living account includes:

determining an initial resource transfer period;

determining the resource consumption of the living account in the initial resource transfer period based on an analysis result obtained by analyzing the historical resource change data of the living account;

comparing the resource consumption with a preset resource transfer amount to obtain a first comparison result;

and updating the initial resource transfer period under the condition that the first comparison result indicates that the resource consumption is not matched with the preset resource transfer quantity, so as to obtain a resource transfer period.

In one embodiment, analyzing the historical resource change data of the living account, determining the lowest resource threshold of the living account includes:

determining an initial minimum resource threshold;

Determining the resource use time of the residual resource amount in the living account based on an analysis result obtained by analyzing the historical resource change data of the living account; the resource usage time is a usage time in the case that the value of the remaining resource amount is equal to the initial minimum resource threshold;

comparing the resource use time with a preset resource use time to obtain a second comparison result;

and under the condition that the second comparison result represents that the resource using time is not matched with the preset resource using time, updating the initial minimum resource threshold to obtain a minimum resource threshold.

In one embodiment, the method further comprises:

and under the condition that the living account finishes receiving the transfer resource quantity, generating a transfer completion prompt so that the target object determines that the transfer of the resource quantity is successful.

In a second aspect, the present application provides a resource transfer device, the device comprising:

the data analysis module is used for acquiring a living account of a target object, analyzing historical resource change data of the living account and determining a resource transfer period and a minimum resource threshold of the living account;

The time node determining module is used for determining a transfer time node according to the resource transfer period;

the message generation module is used for generating a resource transfer reminding message under the condition that the time interval between the current time and the transfer time node meets a time condition or the residual resource quantity of the living account is smaller than the minimum resource threshold value;

and the resource transfer module is used for acquiring a feedback result of the target object aiming at the resource transfer reminding message and transferring at least part of resources in the resource account of the target object to the living account under the condition that the feedback result represents agreement to transfer.

In a third aspect, the present application provides a computer device comprising a memory storing a computer program and a processor implementing the steps of the method described above when the processor executes the computer program.

In a fourth aspect, the present application provides a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of the method described above.

In a fifth aspect, the application provides a computer program product comprising a computer program which, when executed by a processor, implements the steps of the method described above.

According to the resource transfer method, the device, the computer equipment, the storage medium and the computer program product of the living account, through analyzing the historical resource change data of the living account of the target object, the resource transfer period and the minimum resource threshold of the living account can be reasonably set according to the resource use condition of the living account, so that the situation that the basic service corresponding to the living account cannot be normally used due to insufficient residual resource quantity of the living account is avoided; generating a resource transfer reminding message under the condition that the time interval between the transfer time node and the current time meets a time condition or the residual resource quantity of the living account is smaller than a minimum resource threshold value, so that whether the resource quantity transfer operation can be executed or not can be timely confirmed to a target object; the feedback result of the target object aiming at the resource transfer reminding message is obtained, and the resource transfer operation is executed under the condition that the feedback result represents the consent to transfer, so that the condition that the target object does not agree to transfer can be avoided, the resource transfer operation is executed continuously, the resource quantity of the resource account can be managed reliably, the condition that the target object needs to retrieve the transferred resource quantity can be avoided, and the waste of computer resources can be avoided.

Drawings

FIG. 1 is a diagram of an application environment for a resource transfer method in one embodiment;

FIG. 2 is a flow diagram of a method of resource transfer in one embodiment;

FIG. 3 is a flow chart of a method of transferring resources according to another embodiment;

FIG. 4 is a block diagram of a resource transfer device in one embodiment;

fig. 5 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The resource transfer method provided by the embodiment of the application can be applied to an application environment shown in figure 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. The server 104 obtains the living account of the target object, and analyzes the historical resource change data of the living account, so that the resource transfer period and the minimum resource threshold corresponding to the living account can be determined. The server 104 determines a transfer time node for transferring the resource according to the determined resource transfer period. The server 104 generates a resource transfer reminder message if the time interval between the current time and the transfer time node satisfies a time condition, or if the amount of remaining resources of the living account is less than a minimum resource threshold. The server 104 obtains a feedback result of the target object for the resource transfer reminding message, and transfers at least a part of resources in the resource account of the target object to the living account under the condition that the feedback result represents agreement to transfer. The server 104 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, etc. The terminal 102 may be implemented as a stand-alone terminal or as a cluster of terminals.

In one embodiment, as shown in fig. 2, a resource transfer method is provided, and the method is applied to the server in fig. 1 for illustration, and includes the following steps:

step 202, a living account of a target object is obtained, historical resource change data of the living account is analyzed, and a resource transfer period and a minimum resource threshold of the living account are determined.

The living account is an account for collecting resources which can guarantee normal use of basic services of people. Such as an electricity rate account, a water rate account, a cell phone number, a gas account, etc.

The specific householder to which the living account belongs can be the same as or different from the name of the target object, that is, the living account of the target object can be the account of the target object or the account of other added objects, the target object and the living account do not need to be matched, and the living account can be acquired or added by the target object as long as the living account is the living account of the target object.

The historical resource change data refers to historical resource usage of the living account. Based on analysis of historical resource change data, the range of use of the resource amount over a period of time can be known. For example, the usage amount of the resource in the daily account is X, which means that the usage amount of the resource in each week may be X in the future, and when setting the resource transfer period, if the set transfer resource amount, that is, the amount of the resource transferred into the daily account each time is X, the transfer period is transferred once a week. Based on the analysis of the historical resource change data, the daily resource consumption condition in the living account can be known.

The minimum resource threshold refers to the minimum criterion for the amount of resources remaining in the living account. For example, when the minimum resource threshold of the living account a is 30 and the amount of the remaining resources of the living account a is 29, the resource transfer reminding message can be generated immediately. The resource transfer period and the minimum resource threshold for each living account may be the same or different.

Optionally, after determining the living account added by the target object, the server determines a resource transfer period for transferring resources of the living account and a minimum standard of the residual resource quantity in the living account according to the historical resource use condition of the living account.

Step 204, determining a transfer time node according to the resource transfer period.

Wherein, the resource transfer period refers to the time interval of two adjacent resource transfers. The time node refers to a time node that performs resource transfer. For example, the resource transfer period is one month, that is, one month, and if the last time the resource transfer is performed is No. 1, the next time the resource transfer is performed is No. 1 of the next month.

Step 206, generating a resource transfer reminding message under the condition that the time interval between the current time and the transfer time node meets the time condition or the residual resource quantity of the living account is smaller than the minimum resource threshold value.

The time condition refers to a range of time intervals. For example, the resource transfer period indicates that the number 2 and the number 16 of each month are transfer time nodes for resource transfer, the time condition is 1 day, the current time is 1 to 2 and 15 to 16, and the time condition is satisfied for the time interval. For another example, the resource transfer period indicates that 10 points No. 2 and 10 points No. 16 of each month are transfer time nodes for performing resource transfer, the time condition is 12 hours, the current time node is 22 points No. 1 to 10 points No. 2, and 22 points No. 15 to 10 points No. 16, and the time condition is satisfied for the time interval.

Optionally, the server generates a resource transfer reminding message when the time interval between the current time and the transfer time node for transferring the resource indicated in the resource transfer period meets the time condition.

Optionally, the server generates a resource transfer reminder message if it detects that the amount of remaining resources in the living account is less than a minimum resource threshold.

Step 208, obtaining a feedback result of the target object for the resource transfer reminding message, and transferring at least a part of resources in the resource account of the target object to the living account under the condition that the feedback result represents agreement to transfer.

Wherein the feedback results include consent transfer and disagreement transfer. In the case that the target object does not agree to transfer the resource, the resource transfer operation is stopped.

Optionally, the server acquires a feedback result of the target object for the resource transfer reminding message, and transfers at least a part of the resources from the resource account of the target object to the living account of the target object under the condition that the feedback result of the target object for the resource transfer reminding message is detected to represent agreement to transfer.

In one embodiment, the time interval between the transfer time node and the current time node is met with a time condition, or the number of living accounts with a remaining amount of resources of the living account less than a minimum resource threshold is a plurality.

Transferring at least a portion of the resources in the resource account of the target object to the living account, comprising:

and acquiring the respective residual resource quantity of each living account, and carrying out accumulation processing on the residual resource quantities to obtain the total resource quantity.

And determining the weight of each living account based on the residual resource amount and the total resource amount of each living account when the existing resource amount of the resource account of the target object is smaller than the total resource amount.

Wherein the amount of remaining resources is the balance currently remaining for the living account. The accumulation processing refers to adding up the remaining resource amounts of the respective living accounts.

The weight of each living account is determined according to the ratio between the amount of remaining resources and the total amount of resources. For example, the total resource amount is M, and the remaining resource amount of the living account A is M ₁ The residual resource amount of the living account B is m ₂ The weight of the living account A is (M-M) ₁ ) and/M, the weight of the living account B is (M-M ₂ )/M。

The distribution of the resource amount according to the weight of each living account refers to the distribution according to the product of the weight of each living account and the existing resource amount in the resource account. In the example above, if the existing resource amount of the resource account is X, the resource is distributed to the living account AThe amount is X (M-M ₁ ) and/M, the amount of resources distributed to the living account B is X (M-M ₂ )/M。

Optionally, the server obtains the respective residual resource amount of each living account, and performs addition processing on the respective residual resource amount of each living account to obtain the total resource amount. And under the condition that the existing resource quantity of the resource account of the target object is detected to be smaller than the total resource quantity, the server acquires the difference value between the residual resource quantity and the total resource quantity of each living account, and takes the ratio result between the difference value corresponding to each living account and the total resource quantity as the weight of each living account. The server distributes the existing resource quantity in the resource account to each living account according to the product of the weight of each living account and the existing resource quantity in the resource account.

In this embodiment, the weight of each living account is determined according to the remaining resource amount of each living account, so that the importance degree of each living account for resource transfer can be reflected; and the reasonable distribution of the existing resource quantity can be realized by distributing the resources according to the weight of each living account and the existing resource quantity in the resource account.

In one embodiment, the time interval between the transfer time node and the current time node is met, or the number of living accounts for which the remaining amount of resources of the living account is less than the resource threshold is a plurality.

and acquiring the respective residual resource quantity of each living account, and accumulating the respective residual resource quantity to obtain the total resource quantity.

And under the condition that the existing resource quantity of the resource account of the target object is smaller than the total resource quantity, determining the daily average resource usage quantity of each living account based on the historical resource change data of each living account.

And determining the residual usable days corresponding to each living account based on the daily average resource usage amount and the residual resource amount corresponding to each living account.

And determining the weight of each living account based on the corresponding remaining usable days of each living account.

The daily resource usage is determined according to the total usage and the usage days in a period of time. For example, in the past n days, the total amount of resources used is m, and the daily average amount of resources used is m/n. The remaining number of days available is determined based on the ratio between the amount of remaining resources and the average daily resource usage.

The weight of each living account may be determined according to the remaining usable days and the total usable days obtained by accumulating the remaining usable days corresponding to each living account. For example, the total number of usable days obtained by accumulating the number of usable days remaining for each living account is N, and the number of usable days remaining for living account A is m ₃ The remaining usable days corresponding to the living account B are m ₄ The weight of the living account A is (N-m) ₃ ) and/N, the weight of the living account B is (N-m) ₃ )/N。

Optionally, the server obtains the respective residual resource amount of each living account, and performs addition processing on the respective residual resource amount of each living account to obtain the total resource amount. When the server detects that the current resource quantity of the resource account of the target object is smaller than the total resource quantity, the server determines the daily resource usage quantity corresponding to each living account according to the historical resource change data of each living account. And the server determines the residual usable days corresponding to the living accounts according to the ratio between the daily average resource usage amount corresponding to the living accounts and the residual resource amount. And the server adds the remaining usable days corresponding to each living account to obtain the total usable days. The server obtains the difference value between the residual usable days and the total usable days corresponding to each living account, and takes the ratio result between the difference value corresponding to each living account and the total usable days as the weight of each living account. The server distributes the existing resource quantity in the resource account to each living account according to the product of the weight of each living account and the existing resource quantity in the resource account.

In this embodiment, the weight of each living account is determined according to the remaining usable days corresponding to each living account, so that the importance degree of each living account for resource transfer can be reflected; and the reasonable distribution of the existing resource quantity can be realized by distributing the resources according to the weight of each living account and the existing resource quantity in the resource account.

In one embodiment, as shown in fig. 3, analyzing historical resource change data of a living account to determine a resource transfer period of the living account includes:

step 302, an initial resource transfer period is determined.

The initial resource transfer period may be a period preset by the target object, or may be a period set by the target object in real time.

Step 304, determining the resource consumption of the living account in the initial resource transfer period based on the analysis result obtained by analyzing the historical resource change data of the living account.

Where the amount of resources used in the initial resource transfer period refers to the total amount of resources consumed in the living account during that period of time. For example, the initial resource transfer period is 1 week, and then the total amount of resources consumed in the living account during this week is the amount of resources used during the initial resource transfer period.

Optionally, the server analyzes the historical resource change data of the living account to obtain an analysis result. And the server determines the resource usage of the living account in the initial resource transfer period according to the analysis result.

Step 306, comparing the resource usage with the preset resource transfer amount to obtain a first comparison result.

The comparison is mainly performed on the size between the resource consumption and the preset resource transfer amount.

Step 308, updating the initial resource transfer period to obtain a resource transfer period when the first comparison result indicates that the resource usage amount does not match the preset resource transfer amount.

Wherein, mismatch refers to a resource usage greater than a preset transfer resource usage. Updating refers to narrowing the duration of the initial resource transfer period. For example, the initial resource transfer period is 1 week and the resource usage is 70, and the preset transfer resource amount is 30, and the resource usage is far greater than the preset transfer resource amount, the initial resource transfer period should be updated to 3 days.

Optionally, the server shortens the duration of the initial resource transfer period to obtain an updated resource transfer period when detecting that the first comparison result indicates that the resource consumption is greater than the preset transfer resource consumption.

In this embodiment, the resource transfer period is adjusted according to the matching condition between the resource usage amount and the preset resource transfer amount, so that the adjusted resource transfer period is more reasonable, and the situation that the living account has insufficient resource amount when the resource transfer is performed according to the resource transfer period can be avoided.

In one embodiment, analyzing historical resource change data of a living account, determining a minimum resource threshold of the living account includes:

an initial minimum resource threshold is determined.

And determining the resource use time of the residual resource amount in the living account based on an analysis result obtained by analyzing the historical resource change data of the living account. The resource usage time is a usage time in the case where the value of the remaining resource amount is equal to the initial minimum resource threshold.

And comparing the resource use time with the preset resource use time to obtain a second comparison result.

And under the condition that the second comparison result represents that the resource using time is not matched with the preset resource using time, updating the initial minimum resource threshold value to obtain the minimum resource threshold value.

The initial minimum resource threshold may be a threshold preset by the target object, or may be a threshold set by the target object in real time.

The resource usage time of the remaining resource amount refers to a usage time in the case where the value of the remaining resource amount is equal to the initial minimum resource threshold. For example, in the analysis result of the historical resource change data, when the value of the remaining resource amount of the living account is equal to the initial minimum resource threshold value, the time used by the consumed remaining resource amount is the resource use time.

The second comparison result is a comparison result of the duration. I.e. comparing which of the resource usage time and the preset resource usage time is longer. Mismatch refers to a resource usage time less than a preset resource usage time. Updating refers to increasing the initial minimum resource threshold. For example, the initial minimum resource threshold is 70, the resource usage time of the remaining amount of resources in the living account equal to the initial minimum resource threshold is 7 days, the preset resource usage time is 8 days, and the resource usage time is less than the preset resource usage time, and the initial minimum resource threshold should be updated to 80.

Optionally, the server determines an initial minimum resource threshold set by the target object, and then determines a resource usage time in a case where the value of the remaining resource amount is equal to the initial minimum resource threshold according to an analysis result obtained by analyzing the historical resource change data of the living account. And the server compares the resource using time with the preset resource using time to obtain a second comparison result. And under the condition that the second comparison result is detected to represent that the resource using time is less than the preset resource using time, the server improves the initial minimum resource threshold value, so that the updated minimum resource threshold value is obtained.

In this embodiment, the minimum resource threshold is adjusted according to the matching condition between the resource usage time and the preset resource usage time, so that the adjusted minimum resource threshold is more reasonable, and the situation of insufficient resource quantity of the living account can be avoided when the resource transfer is performed according to the minimum resource threshold.

In one embodiment, the resource transfer method further comprises:

and under the condition that the living account finishes receiving the transferred resource quantity, generating a transfer completion prompt so that the target object determines that the resource quantity transfer is successful.

Optionally, the server generates a transfer completion reminder in real time when the living account completes receiving the transfer resource amount, so that the target object obtains a message that the transfer of the resource amount is successful.

In this embodiment, when the living account finishes receiving the transferred resource amount, a transfer completion reminder is generated, so that the target object can be informed that the transfer of the resource is completed, so that the target object can be prevented from transferring the resource again under the condition that whether the target object is successfully transferred is not known, the condition that the target object needs to retrieve the transferred resource amount can be further avoided, and the waste of computer resources is avoided.

The application also provides an application scene, and the application scene applies the resource transfer method. Specifically, the application of the resource transfer method in the application scene is as follows: after determining the living account added by the target object, the server determines an initial resource period, and then analyzes historical resource change data of the living account to obtain an analysis result. And the server determines the resource usage of the living account in the initial resource transfer period according to the analysis result. And the server compares the resource consumption with the preset resource transfer quantity to obtain a first comparison result. And under the condition that the server detects that the first comparison result represents that the resource consumption is larger than the preset transfer resource quantity, the server shortens the duration of the initial resource transfer period to obtain the updated resource transfer period. The server determines an initial minimum resource threshold set by the target object, and then determines a resource use time in the case that the value of the remaining resource amount is equal to the initial minimum resource threshold according to an analysis result obtained by analyzing the historical resource change data of the living account. And the server compares the resource using time with the preset resource using time to obtain a second comparison result. And under the condition that the second comparison result is detected to represent that the resource using time is less than the preset resource using time, the server improves the initial minimum resource threshold value, so that the updated minimum resource threshold value is obtained. And generating a resource transfer reminding message under the condition that the server detects that the residual resource amount in the living account is smaller than the minimum resource threshold value. The server acquires a feedback result of the target object aiming at the resource transfer reminding message, acquires respective residual resource quantity of each living account under the condition that the feedback result of the target object aiming at the resource transfer reminding message is detected to represent agreement to transfer, and performs addition processing on the respective residual resource quantity of each living account to acquire the total resource quantity. And under the condition that the existing resource quantity of the resource account of the target object is detected to be smaller than the total resource quantity, the server acquires the difference value between the residual resource quantity and the total resource quantity of each living account, and takes the ratio result between the difference value corresponding to each living account and the total resource quantity as the weight of each living account. The server distributes the existing resource quantity in the resource account to each living account according to the product of the weight of each living account and the existing resource quantity in the resource account.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource transfer device for realizing the above-mentioned related resource transfer method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation of one or more embodiments of the resource transfer device provided below may be referred to the limitation of the resource transfer method hereinabove, and will not be repeated here.

In one embodiment, as shown in fig. 4, there is provided a resource transfer device comprising:

the data analysis module 402 is configured to obtain a living account of the target object, analyze historical resource change data of the living account, and determine a resource transfer period and a minimum resource threshold of the living account.

A time node determining module 404, configured to determine a transfer time node according to the resource transfer period.

The message generating module 406 is configured to generate a resource transfer reminding message when a time interval between the current time and the transfer time node satisfies a time condition or a remaining resource amount of the living account is less than a minimum resource threshold.

The resource transfer module 408 is configured to obtain a feedback result of the target object for the resource transfer reminding message, and transfer at least a portion of resources in the resource account of the target object to the living account if the feedback result represents agreement to transfer.

In one embodiment, the time interval between the transfer time node and the current time node meets a time condition, or the number of living accounts with the remaining resource amount of the living account less than the minimum resource threshold is a plurality.

The resource transfer module comprises:

The first resource amount determining unit is used for obtaining the respective residual resource amount of each living account, and carrying out accumulation processing on the residual resource amounts to obtain the total resource amount.

And the first weight determining unit is used for determining the weight of each living account based on the residual resource amount and the total resource amount of each living account when the existing resource amount of the resource account of the target object is smaller than the total resource amount.

The first resource transfer unit is used for distributing the existing resource quantity in the resource accounts to each living account according to the weight of each living account.

In one embodiment, the time interval between the transfer time node and the current time node meets a time condition, or the number of living accounts with the remaining resource amount of the living account less than the resource threshold is a plurality.

The resource transfer module comprises:

the second resource amount determining unit is used for obtaining the respective residual resource amount of each living account and accumulating the residual resource amounts to obtain the total resource amount.

And the third resource amount determining unit is used for determining the daily average resource usage of each living account based on the historical resource change data of each living account under the condition that the existing resource amount of the resource account of the target object is smaller than the total resource amount.

The first time determining unit is used for determining the remaining usable days corresponding to each living account based on the daily average resource usage amount and the remaining resource amount corresponding to each living account.

And the second weight determining unit is used for determining the weight of each living account based on the remaining usable days corresponding to each living account.

And the second resource transfer unit is used for distributing the existing resource quantity in the resource account to each living account according to the weight of each living account.

In one embodiment, the data analysis module comprises:

and the period determining unit is used for determining an initial resource transfer period.

And the fourth resource amount determining unit is used for determining the resource consumption of the living account in the initial resource transfer period based on an analysis result obtained by analyzing the historical resource change data of the living account.

And the first comparison unit is used for comparing the resource consumption with the preset resource transfer quantity to obtain a first comparison result.

And the period updating unit is used for updating the initial resource transfer period to obtain the resource transfer period under the condition that the first comparison result indicates that the resource consumption is not matched with the preset resource transfer amount.

In one embodiment, the data analysis module comprises:

And the threshold value determining unit is used for determining an initial lowest resource threshold value.

And the second time determining unit is used for determining the resource use time of the residual resource quantity in the living account based on an analysis result obtained by analyzing the historical resource change data of the living account. The resource usage time is a usage time in the case where the value of the remaining resource amount is equal to the initial minimum resource threshold.

And the second comparison unit is used for comparing the resource use time with the preset resource use time to obtain a second comparison result.

And the threshold updating unit is used for updating the initial minimum resource threshold to obtain the minimum resource threshold under the condition that the second comparison result represents that the resource using time is not matched with the preset resource using time.

In one embodiment, the resource transfer device further comprises:

and the reminding unit is used for generating a transfer completion reminder under the condition that the living account completes receiving the transfer resource quantity so as to ensure that the target object determines that the resource quantity transfer is successful.

The various modules in the resource transfer device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing living accounts, historical resource change data, resource transfer periods, minimum resource thresholds, transfer time nodes, time conditions, resource transfer reminding messages and feedback result data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource transfer method.

It will be appreciated by those skilled in the art that the structure shown in FIG. 5 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.

In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of:

and acquiring a living account of the target object, analyzing historical resource change data of the living account, and determining a resource transfer period and a minimum resource threshold of the living account.

And determining a transfer time node according to the resource transfer period.

And generating a resource transfer reminding message under the condition that the time interval between the current time and the transfer time node meets a time condition or the residual resource quantity of the living account is smaller than the minimum resource threshold value.

In one embodiment, the processor when executing the computer program further performs the steps of:

the time interval between the transfer time node and the current time node meets the time condition, or the number of living accounts with the residual resource quantity of the living accounts smaller than the minimum resource threshold value is a plurality.

the time interval between the transfer time node and the current time node meets the time condition, or the number of living accounts with the residual resource quantity of the living accounts smaller than the resource threshold value is a plurality of living accounts.

an initial resource transfer period is determined.

And determining the resource consumption of the living account in the initial resource transfer period based on an analysis result obtained by analyzing the historical resource change data of the living account.

And comparing the resource consumption with a preset resource transfer amount to obtain a first comparison result.

And under the condition that the first comparison result represents that the resource consumption is not matched with the preset resource transfer quantity, updating the initial resource transfer period to obtain the resource transfer period.

an initial minimum resource threshold is determined.

In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:

And determining a transfer time node according to the resource transfer period.

an initial resource transfer period is determined.

an initial minimum resource threshold is determined.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of:

And determining a transfer time node according to the resource transfer period.

an initial resource transfer period is determined.

An initial minimum resource threshold is determined.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

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

determining a transfer time node according to the resource transfer period;

2. The method of claim 1, wherein a time interval between the transfer time node and a current time node is met or a number of living accounts for which a remaining amount of resources of the living account is less than the minimum resource threshold is a plurality;

3. The method of claim 1, wherein a time interval between the transfer time node and a current time node is met or a number of living accounts for which a remaining amount of resources of the living account is less than the resource threshold is a plurality;

4. The method of claim 1, wherein analyzing the historical resource change data of the living account to determine a resource transfer period of the living account comprises:

determining an initial resource transfer period;

5. The method of claim 1, wherein analyzing the historical resource change data of the living account to determine a minimum resource threshold for the living account comprises:

determining an initial minimum resource threshold;

6. The method according to claim 1, wherein the method further comprises:

7. A resource transfer device, the device comprising:

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.