WO2021218743A1

WO2021218743A1 - Resource transfer task triggering

Info

Publication number: WO2021218743A1
Application number: PCT/CN2021/088738
Authority: WO
Inventors: 孙健康
Original assignee: 支付宝实验室(新加坡)有限公司
Priority date: 2020-04-26
Filing date: 2021-04-21
Publication date: 2021-11-04
Also published as: CN111523903A

Abstract

A resource transfer task triggering method and apparatus, and a device. The solution comprises: obtaining a resource transfer request (S200), the resource transfer request at least comprising first quantity information of a first resource to be transferred and time schedule information for transferring the first resource; determining a time-based trigger condition based on the time schedule information (S202); when the time-based trigger condition is met, acquiring a first resource conversion rate (S204); determining, based on the first resource conversion rate, a second resource quantity of a second resource corresponding to the first resource of a first resource quantity (S206); triggering a task that adds the first resource of the first resource quantity to the account of a resource recipient (S208); and subtracting the second resource of the second resource quantity from the account of a resource sender (S210).

Description

Triggering of resource transfer tasks

Technical field

This application relates to the field of computer technology, and in particular to a method, device and equipment for triggering resource transfer tasks.

Background technique

With the development of computer technology, mobile terminals have more and more functions, which has also prompted more and more users to use mobile terminals to complete transaction processing.

In practical applications, users can complete resource processing through mobile terminals, for example, viewing resources owned by users through mobile phones, and completing resource exchange through terminal applications. In the prior art, when a user performs resource processing, usually after the user initiates a resource processing request, the resource processor will complete the resource processing as soon as possible according to the resource processor’s time. For the user, it is usually only possible to complete an immediate request. Resource processing request. However, with the increase in user needs, such instant resource processing services cannot meet the needs of users who need non-immediate resource processing. Therefore, it is necessary to provide more resource processing methods to meet user needs.

Summary of the invention

In view of this, the embodiments of the present application provide a method, device, and device for triggering a resource transfer task, which are used to meet the needs of users for resource processing.

In order to solve the above technical problems, the embodiments of this specification are implemented as follows:

A method for triggering a resource transfer task provided in an embodiment of this specification includes: obtaining a resource transfer request; the resource transfer request includes at least first quantity information of a first resource to be transferred and transferring the first resource The predetermined time information; the first quantity information is used to indicate the first resource quantity of the first resource that is expected to be transferred to the resource receiver; based on the predetermined time information, the time trigger condition is determined; when the time trigger condition is satisfied , Obtain the first resource conversion rate; the first resource conversion rate indicates the resource conversion rate between the first resource and the second resource when the time trigger condition is met; the resource conversion rate is used to indicate the unit The resource quantity of the second resource corresponding to the first resource of the quantity; based on the first resource conversion rate, determine the second resource quantity of the second resource corresponding to the first resource of the first resource quantity Triggering the task of adding the first resource of the first resource quantity to the account of the resource receiver; reducing the second resource of the second resource quantity from the account of the resource sender.

An apparatus for triggering a resource transfer task provided in an embodiment of this specification includes: a request obtaining module, configured to obtain a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and a reference to the resource transfer request; The predetermined time information for the transfer of the first resource; the first quantity information is used to indicate the first resource quantity of the first resource that is expected to be transferred to the resource receiver; the condition determination module is used to determine based on the predetermined time information Time trigger condition; a conversion rate acquisition module for acquiring a first resource conversion rate when the time trigger condition is met; the first resource conversion rate indicates that when the time trigger condition is met, the first resource and The resource conversion rate between the second resources; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource; the resource quantity determination module is used to based on the first resource conversion rate , Determining the second resource quantity of the second resource corresponding to the first resource of the first resource quantity; a task triggering module for triggering the increase of the first resource quantity to the account of the resource receiver The task of the first resource; a resource management module for reducing the number of the second resources of the second resource from the account of the resource sender.

The device for triggering a resource transfer task provided in an embodiment of this specification includes: at least one processor; and a memory communicatively connected with the at least one processor. Wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can: obtain a resource transfer request; the resource transfer The request includes at least first quantity information of the first resource to be transferred and information about the scheduled time for transferring the first resource; the first quantity information is used to indicate the first quantity of the first resource that is expected to be transferred to the resource receiver. Resource quantity; determine a time trigger condition based on the predetermined time information; when the time trigger condition is met, obtain a first resource conversion rate; the first resource conversion rate indicates that the time trigger condition is met, the The resource conversion rate between the first resource and the second resource; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource; and the resource conversion rate is determined based on the first resource conversion rate. The second resource quantity of the second resource corresponding to the first resource of the first resource quantity; trigger the task of adding the first resource of the first resource quantity to the account of the resource receiver; from The second resource in the account of the resource sender that reduces the amount of the second resource.

The above at least one technical solution adopted in the embodiments of this specification can achieve the following beneficial effects:

In the embodiment of this specification, when the resource transfer task is performed, the resource sender is allowed to input the scheduled time information for the resource transfer, and based on the scheduled time information, the time trigger condition for triggering the resource transfer task is determined, so that the resource sender can pass Set the time for resource transfer and make reservations for resource transfer tasks to meet the resource sender's demand for non-immediate resource transfer.

In addition, in the embodiment of the present specification, the transfer between two different resources can be completed according to the resource conversion rate, and the requirements of the resource sender for the transfer of different types of resources can also be met.

Description of the drawings

The drawings described here are used to provide a further understanding of the application and constitute a part of the application. The exemplary embodiments and descriptions of the application are used to explain the application, and do not constitute an improper limitation of the application. In the attached picture:

FIG. 1 is a schematic diagram of an application scenario of a method for triggering a resource transfer task provided in an embodiment of this specification;

2 is a schematic flowchart of a method for triggering a resource transfer task provided in an embodiment of this specification;

Figure 3 is a schematic diagram of a resource transfer information interface provided in an embodiment of the specification;

4 is a schematic diagram of a resource transfer information interface including predetermined time information provided in an embodiment of this specification;

5 is a schematic diagram of another resource transfer information interface including predetermined time information provided in an embodiment of this specification;

FIG. 6 is a schematic flowchart of a method for triggering resource transfer tasks based on FIG. 2 provided in an embodiment of this specification;

FIG. 7 is a schematic flowchart of another method for triggering a resource transfer task based on FIG. 2 provided in an embodiment of this specification;

FIG. 8 is a schematic structural diagram of a device for triggering a resource transfer task provided in an embodiment of this specification;

FIG. 9 is a schematic structural diagram of a triggering device for a resource transfer task provided in an embodiment of this specification.

Detailed ways

In order to make the purpose, technical solutions and advantages of the present application clearer, the technical solutions of the present application will be described clearly and completely in conjunction with specific embodiments of the present application and the corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of this application.

At present, in traditional resource transfer tasks, users generally only need to set the required resource quantity information, and then initiate a request. After receiving the user's request, the server processing the resource transfer task will complete the processing of the requested task in time, and the user cannot perform the resource. For the reservation of the transfer task, the trigger time of the resource transfer task cannot be specified. For example, when a remittance is required, the remitter usually completes the relevant documents through the terminal application or counter provided by the financial institution, and the server or counter staff perform corresponding processing as required, and then complete the remittance of the remitter. In the embodiment of this specification, the user can set the time information of the resource transfer to meet the user's demand for non-immediate resource transfer.

The technical solutions provided in the embodiments of the present application will be described in detail below with reference to the accompanying drawings.

FIG. 1 is a schematic diagram of an application scenario of a method for triggering a resource transfer task provided in an embodiment of this specification. As shown in Figure 1, the overall architecture mainly includes a resource sender 1, a terminal 2, and a server 3. Among them, the terminal 2 may be a mobile terminal such as a mobile phone or a computer, which may carry an APP (Application) with a resource transfer function, and the server 3 may be a cloud server corresponding to the APP with a resource transfer function, or at the same time. Back-end servers of institutions with resource transfer qualifications, etc. The server 3 may have the ability to trigger resource transfer tasks, and may be used to execute all or part of the steps of the method in the embodiment of this specification.

In the embodiment of this specification, the resource sender 1 uses an APP in the terminal 2 to perform resource transfer services, and fills in the resource transfer related information in the APP interface, such as the name and account number of the resource receiver, resource type, resource quantity and other information. The sender 1 sends a resource transfer request containing resource transfer information to the server 3 through the terminal 2. The server 3 can also review the resource sender 1, and after the review is passed, the corresponding resource transfer confirmation information will be returned for the resource sender 1 to request The transferred resource is confirmed. The resource transfer confirmation information returned by the server 3 can be displayed in the APP, or sent to the resource sender's terminal 2 in a short message or other form. The resource sender 1 can set a trigger after confirming the resource transfer confirmation information At the time of the remittance, the resource transfer confirmation information is information generated by the server according to the resource transfer information filled in by the user before the resource transfer task is triggered, and used by the user to confirm whether the filled resource transfer information is correct. When the time to trigger the resource transfer is reached, the server 3 triggers the resource transfer task based on the resource transfer request. Thereby, users can set the resource transfer time according to their needs, choose to perform non-immediate resource transfer, and meet user needs and improve user experience.

FIG. 2 is a schematic flowchart of a method for triggering a resource transfer task provided in an embodiment of this specification. From a program perspective, the execution subject of a process can be a program or an application client loaded on an application server. As shown in Figure 2, the method for triggering resource transfer tasks provided in the embodiment of this specification is mainly a method with a server as the execution subject, and the process may include the following steps:

Step 200: Obtain a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and information about the scheduled time for transferring the first resource; the first quantity information is used to indicate expected The first resource quantity of the first resource transferred to the resource receiver.

The resource transfer in the embodiments of this specification may include the transfer of resources in daily life such as the recharge of water and electricity cards and the recharge of telephone bills, and may also include the transfer of resources such as domestic remittance and overseas remittance.

The server obtains the resource transfer request sent by the resource management device of the resource sender, where the resource management device may be a terminal used by the resource sender. In practical applications, the resource sender can input information such as the first resource quantity, resource type, and estimated time of transfer of the first resource that is expected to be transferred to the resource receiver through the user service interface in the operating terminal, and the terminal generates information including the to-be-transferred The resource transfer request of the first quantity information of the first resource and the predetermined time information for transferring the first resource is sent to a server, where the server may be a server corresponding to a certain application in the terminal. For example, when a user purchases electricity in daily life, the user can purchase electricity through an application that purchases electricity. The purchased electricity is usually recharged by the electricity management server to a corresponding electricity management account, such as an electricity card. Among them, the resource transfer request can be a request to recharge an electric card; the power management account can be the resource receiver, and the user who purchases the power can be the resource sender; the first resource can refer to the power, and the first resource quantity can be the user's expected recharge. The amount of electricity in the power card, such as 100 kilowatt-hours; the predetermined time information can be the recharge time set by the user, for example, 1 month, assuming that the time for the user to fill in the recharge information in the terminal is April 2, and the user sets 1 If you recharge after a month, on May 2, the server can trigger the recharge task set by the user.

Step 202: Determine a time trigger condition based on the predetermined time information.

In the embodiment of this specification, the resource sender can reserve the time to trigger the resource transfer when it initiates the resource transfer request, and the server can trigger the resource transfer task according to the time reserved by the resource sender, so as to satisfy the non-immediate resource transfer by the resource sender. Service demand.

The reservation time information may include at least one of time period information and time information. After receiving the reservation time information set by the resource sender, the server may generate at least one of the time period trigger condition and the time trigger condition, for example, when the resource is sent If the resource transfer is triggered after ××hours, the resource transfer task can be triggered by the timer when the time is up; for example, when the resource sender is set to be ×year×month×day×hour×minute trigger For resource transfer, the local reference clock of the resource sender can be used for comparison, and the resource transfer task is triggered when the time set by the resource sender is reached. It should be noted that the embodiment of this specification does not limit the specific manner of determining the time trigger condition, as long as the server can accurately respond to the time trigger condition.

Step 204: When the time trigger condition is satisfied, obtain a first resource conversion rate; the first resource conversion rate indicates the resource conversion between the first resource and the second resource when the time trigger condition is satisfied Rate; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource.

The resource conversion task in the embodiment of this specification may be the conversion between two different resources. When the two resources are converted, the resource conversion rate may be used to calculate the corresponding quantitative relationship between the two. For example, when purchasing electricity, the second resource may be the RMB required by the user to purchase electricity, and the conversion rate may be the unit price of the electricity; for another example, in cross-border remittances between different currencies, the resource conversion rate may refer to The exchange rate between two countries or regions.

Considering that the conversion rate may change over time, in the embodiment of this specification, the server may obtain the first resource conversion rate corresponding to the first resource and the second resource when the resource transfer time set by the resource sender is reached. , Use the first resource conversion rate to perform the resource conversion task, which can avoid the confusion of the resource conversion, can effectively ensure the smooth progress of the triggered resource conversion task, and increase the probability of the resource conversion task being executed.

Step 206: Determine a second resource quantity of the second resource corresponding to the first resource of the first resource quantity based on the first resource conversion rate.

The server may calculate the quantity of the second resource corresponding to the first resource according to the first conversion rate when the time trigger condition is satisfied. For example, when the above-mentioned electric card is recharged, the server can obtain the current unit price of electricity when the time reserved by the user expires, and the amount of electricity purchased by the user previously set, and can calculate the total price corresponding to the purchase of these electricity.

Step 208: Trigger a task of adding the first resource of the first amount of resources to the account of the resource receiver.

In the embodiment of this specification, the implementation of resource transfer can be performed by a server with resource transfer qualification. When the time trigger condition is met, the server that receives the resource transfer request can send a transfer trigger corresponding to the resource transfer request to the server with resource transfer qualification. The request is used to trigger the task of adding the first resource of the first resource quantity to the account of the resource receiver.

It should be noted that the server receiving the resource transfer request and the server with the resource transfer qualification may be the same server or different servers. For example, when the server receiving the resource transfer request has the resource transfer qualification, the server receiving the resource transfer request The server and the server with resource transfer qualification may be the same server; for another example, the resource sender sends a resource transfer request through a terminal application, and the server receiving the resource transfer request may be the first server corresponding to the terminal application, and sends it to the resource receiver’s account. The server of the first resource with the increased number of the first resources may be a second server with resource transfer qualification that has contact with the above-mentioned first server.

Step 210: Decrease the second resource of the second resource quantity from the account of the resource sender.

In order to realize the transfer of resources, the server may also reduce the second resource by the second resource quantity from the account of the resource sender.

In the embodiment of this specification, the resource sender can use the terminal to perform the resource transfer task. When inputting the resource transfer information corresponding to the resource transfer request, each item of information can be manually input, or it can be selected from the historical information or the established contact list. Fill in the information. For example, the server or terminal can record the person or account that has transferred the resource with the resource sender in the historical information. The resource sender can select the resource receiver from the historical information for resource transfer, and there is no need to fill in the resource again. The receiver's information to simplify the operation of the resource sender.

In practical applications, the server can provide users with conversion services between different types of resources. In order to further simplify user operations, the server or terminal can also set the default resource type for the user. If the user does not input or select the information indicating the resource type , The server will perform related resource processing with the default resource type.

Further, users can also set default resource types according to their own needs to facilitate subsequent resource transfer tasks. The server or client can also recommend resource type information for the user according to the user’s historical information. For example, it can sort the first resource used in the historical information according to the frequency of use, and sort the used first resource according to the type of use. The frequency is recommended to users in descending order of frequency; it is also possible to recommend the type of the first resource to users in descending order of usage time according to the order of usage time, and so on.

The method for triggering resource transfer tasks provided in the embodiments of this specification can be applied to scenarios involving resource exchanges between different currencies. The resource conversion rate can also include exchange rates. The currency conversion of the resource recipient is equivalent to the above-mentioned first resource. , The currency of the resource sender is equivalent to the second resource mentioned above. The exchange rate can refer to the ratio of the currency of one country to the currency of another country. The exchange rate in the embodiment of this specification can represent the amount of the currency of the unit resource receiver to the currency of the resource sender. For example, the renminbi exchange rate is the ratio of renminbi to another country’s currency. The quotation of the renminbi exchange rate generally refers to the quotation of the U.S. dollar to the renminbi, that is, how much renminbi is exchanged for 1 U.S. dollar.

Figure 3 is a schematic diagram of a resource transfer information interface provided in an embodiment of this specification. As shown in FIG. 3, the resource transfer information input by the resource sender in the embodiment of this specification may include information such as the type and quantity of the first resource, and the account number of the resource receiver, and may also include the type and quantity of the second resource. When the resource is transferred, the corresponding information needs to be accurately filled in or input. When necessary, the resource transfer information may also include information such as the name and account number corresponding to the resource sender.

Figure 4 is a schematic diagram of a resource transfer information interface containing predetermined time information provided in an embodiment of this specification. As shown in Figure 4, the resource sender can input predetermined time information in the resource transfer operation interface of the terminal, and the predetermined time information can include Time period information. Assuming that the resource sender’s appointment is to trigger resource transfer after 5 hours, the resource sender can manually enter "5 hours" or select "5 hours" through the drop-down button (the small triangle in Figure 4), which means that the resource sender needs to be within 5 hours Then trigger the resource transfer business.

When inputting time period information, the terminal or server can also provide a default appointment start time. For example, the real-time time corresponding to the appointment time information can be entered as the appointment start time by default, assuming that the resource sender makes an appointment at 9 AM 5 After hours, the resource is transferred, and the actual time to trigger the resource transfer task corresponds to 2 pm.

In order to meet the needs of the resource sender, the resource sender can also be allowed to modify the default time, as shown in Figure 4, and the resource sender can also be allowed to set the appointment start time by itself. The time information can also be accurate to the day, hour, minute, second and other levels according to requirements. For example, when the time information is at the day level, the resource transfer task can be triggered by default when the zero point of the scheduled date is reached.

In practical applications, the resource sender can also directly enter the predetermined time to trigger the resource transfer task. As shown in Figure 5, the resource sender can enter the predetermined time to trigger the resource transfer task in the resource transfer reservation interface, such as 20* On *year**month**, when this time is up, the server triggers the resource transfer task. In order to simplify operations and provide filling examples, the server can set a default scheduled time to trigger the resource transfer task, or it can recommend the scheduled time to trigger the resource transfer task for the resource sender based on the historical remittance information of the resource sender. To facilitate the operation of the resource sender on the same interface, the predetermined time information and the resource transfer information in the embodiment of this specification may be located on the same interface, for example, may be located on the same display interface of the terminal.

It should be noted that the above are only examples, and the specific time information form and display position are not limited in this specification, as long as the user needs can be met.

In practical applications, resource transfer can include resource transfer due to resource transfer and resource transfer without cause, among which resource transfer due to resource transfer can refer to the resource transfer business that needs to fill in the reason for resource transfer, and resource transfer without cause can refer to the resource that does not need to fill in the reason for resource transfer. Transfer business. The method in the embodiment of this specification can be applied to the resource transfer service due to resource transfer. When filling in the resource transfer information, the user can choose to fill in the reason or purpose of the resource transfer, such as study abroad tuition, travel expenses, medical expenses, and so on. In practical applications, users can fill in according to actual needs. For example, when users need to pay the tuition for studying abroad for their children abroad, they can remit the tuition to the corresponding overseas account, and then they can choose to fill in the study abroad fee.

The methods in the embodiments of this specification can also be applied to domestic resource transfers and overseas resource transfers. Domestic resource transfers can refer to resource exchanges between resource senders and resource receivers within the country or across banks, and overseas resource transfers can refer to resource senders in China. Resource exchanges with overseas resource recipients, and overseas resource transfers can also be referred to as international resource transfers, which can be used for cross-border resource exchanges. The resource transfer in the embodiments of this specification may be in the financial field, involving the exchange of resources between different currencies. However, in practical applications, the methods in the embodiments of this specification can also be used for common resource transfer tasks that do not involve currency exchange.

The method provided in the embodiment of this specification, before determining the time trigger condition, may further include: generating resource transfer order information based on the resource transfer request; feeding back the resource transfer order information to the terminal of the resource sender; and obtaining the resource transfer order information; Confirmation information of the terminal for the resource transfer order information.

In order to ensure the accuracy of the resource transfer information, the server may also generate resource transfer order information for the resource sender to confirm the resource transfer information according to the resource transfer request before determining the time trigger condition. The resource transfer order information may include the information of the first resource. Quantity information, type information of the first resource, quantity information of the second resource corresponding to the first resource, resource receiver account information, scheduled time information, etc. The resource sender can send an order confirmation to the server after confirming that the order information is correct Information, the server determines the time trigger condition after obtaining the order confirmation information. When the server does not obtain the confirmation information sent by the resource sender within the preset time or obtains the information that indicates that the resource transfer order information sent by the resource sender is incorrect, the triggering of this resource transfer task can be terminated.

In order to improve the success rate of resource transfer, before determining the time trigger condition in the embodiment of this specification, it may further include: obtaining the estimated second resource quantity of the second resource corresponding to the first resource in the account of the resource sender ; Freeze the second resource of the estimated second resource quantity to obtain the frozen second resource. The reducing the second resource of the second resource quantity from the resource sender’s account specifically includes: reducing part or all of the frozen second resources from the resource sender’s account The second resource.

In practical applications, the number of second resources corresponding to the first resource in the resource sender’s account can be frozen when the resource is reserved, and the second resource corresponding to the first resource can be obtained according to the resource conversion rate when the resource is reserved. Estimate the second resource quantity. After the resource transfer task is triggered, the second resource with the estimated second resource quantity frozen can be used to execute the resource transfer task, so that it can be guaranteed to a certain extent that the resource transfer task will be executed when the scheduled time is up. The resource sender can provide the second resource, which can avoid resource transfer failure caused by insufficient second resources of the resource sender to a certain extent, and also reduce the workload of the server to a certain extent.

In the embodiment of this specification, part or all of the second resources in the frozen second resources may also be sent to a third-party server with resource transfer authority, so that the third-party server can increase the number of the first resources to the resource recipient’s account The first resource. Among them, the third-party server may be a server of a service organization that has the qualification to process resource transfer tasks, for example, a server of a bank.

In practical applications, the number of frozen second resources may be greater than the number of second resources corresponding to the first resource when the resource transfer task is triggered due to fluctuations in the resource conversion rate. After the resource transfer task is completed, the remaining frozen resources The second resource can be unfrozen after a preset time and can be returned to the remaining resources of the resource sender's account to facilitate the use of the resource sender.

Correspondingly, when the number of frozen second resources is less than the number of second resources corresponding to the first resource when the resource transfer task is triggered, the server may also send information to the resource sender prompting the resource sender to provide sufficient second resources, In order to obtain the second resource corresponding to the first resource of the first resource quantity to trigger the resource transfer task.

In practical applications, before determining the time trigger condition, the server may also: deduct the second resource quantity of the second resource corresponding to the first resource from the resource sender’s account; and deduct the second quantity of the second resource from the account The second resource is sent to a third-party server with resource transfer authority, so that the third-party server adds the first resource of the first resource quantity to the account of the resource receiver.

In the embodiment of this specification, before triggering the task of adding the first resource of the first resource amount to the resource receiver’s account, it may further include: querying the second resource on the resource sender’s account. The remaining quantity of resources; determining whether the remaining quantity is greater than or equal to the second resource quantity; if not, generating feedback information for prompting resource transfer failure.

In practical applications, when the resource transfer task is triggered by the scheduled time, due to some reasons, the remaining resource amount in the resource sender’s account cannot meet the expected amount of the first resource to be transferred. To ensure resources The transfer task can be executed. Before the server triggers the task of adding the first resource of the first resource quantity to the resource receiver’s account, it can first query whether there are sufficient number of second resources in the resource sender’s account. When the remaining amount in the account is less than the second resource amount, the server can generate feedback information about resource transfer failure and feed it back to the resource sender, and then the resource sender can make corresponding processing based on the feedback information. For example, the resource sender can recharge the account balance and restart Trigger the task. The form of feedback information can include text messages, emails, application messages, etc., and the specific form and content of the feedback information can also be set according to actual needs. This content is not specifically limited here, as long as the resource sender can clearly know the resource The original transfer failure is caused by insufficient remaining resources in the account.

In order to improve the feasibility of the resource transfer task, the method of the embodiment of the present specification may further include: obtaining user-related information of the resource sender; and judging whether the resource transfer task meets a set rule according to the user-related information.

In practical applications, after the resource sender submits a resource transfer request, the server can review the resource sender to determine whether the resource sender has the qualifications for resource transfer, and whether the resource transfer task to be handled meets the relevant set rules for resource transfer For example, the setting rule may indicate a rule for judging whether the resource source of the resource sender is legal.

The review of the resource sender and the resource transfer task in the embodiments of this specification can be performed when the resource sender sends a resource transfer request to schedule the resource transfer task, or it can be performed after the predetermined time is reached, before the resource transfer task is triggered, or it can be Respectively execute the above appointment and before triggering the resource transfer task, and so on. In the embodiments of this specification, the specific execution time is not specifically limited, as long as it can be judged whether the resource transfer task meets the set rules.

The method of the embodiment of the present specification may further include: obtaining user-related information of the resource sender; obtaining historical resource transfer information of the resource sender; and judging the user-related information and the historical resource transfer information Whether the resource transfer task has the risk of violation.

In the embodiments of this specification, it is possible to determine whether the resource transfer task has a risk of violation according to user-related information of the resource sender and historical transaction information of the resource sender. Among them, user-related information may include information such as the identity information of the resource sender, account information, and contacts in the terminal application of the resource sender; historical transaction information may include the account information of the resource receiver in the historical transaction, the country to which the account belongs, historical transaction frequency, Historical transaction amount and other information.

The resource conversion rate in the embodiment of this specification can be changed. Based on the method shown in Figure 2 above, the embodiment of this specification also provides a method for triggering resource transfer tasks. As shown in Figure 6, the embodiment of this specification provides A method for triggering a resource transfer task may also include:

Step 600: Obtain a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is obtained;

Step 602: Based on the second resource conversion rate and the first resource conversion rate, determine whether the change value between the second resource conversion rate and the first resource conversion rate is greater than a preset change value to obtain the first resource conversion rate. 1. Judgment result;

Step 604: When the first judgment result indicates that the change value is not greater than the preset change value, trigger a task of adding the first resource of the first resource amount to the resource receiver's account;

Step 606: Decrease the second resource of the second resource quantity from the account of the resource sender.

Since the resource conversion rate may be variable, in the embodiments of this specification, the resource conversion rate when the resource transfer task is reserved may be inconsistent with the resource conversion rate when the resource transfer task is triggered. Therefore, in order to improve the user experience, reduce the The impact of resource conversion rate fluctuations on users, users can determine whether to continue the operation of resource transfer tasks according to the change value of the resource conversion rate. Among them, the preset change value can be set according to actual needs. For example, for a task with a small number of resource transfers, the preset change value can be set to 5%, where the preset change value 5%=(second resource conversion rate b -First resource conversion rate a)/First resource conversion rate a.

Further, the method in the embodiment of this specification may also include:

Step 608: When the first judgment result indicates that the change value is greater than the preset change value, generate prompt information for asking the resource sender whether to continue the resource transfer;

Step 610: After obtaining the confirmation operation that the resource sender confirms to continue to perform the resource transfer, trigger a task of adding the first resource of the first resource amount to the resource receiver's account;

Step 612: Decrease the second resource of the second resource quantity from the account of the resource sender.

In practical applications, the preset change value can be set according to actual needs. For example, the resource sender can set the preset value in the terminal according to personal circumstances, the server can also provide the resource sender with the preset value, and so on. The specific data and setting methods of the preset values are not limited here, as long as the actual needs can be met.

Corresponding to the change value of the above resource conversion rate, the resource loss value caused by the change of the resource conversion rate can also be used to determine whether to perform the operation of the resource transfer task. Specifically, based on the method shown in Figure 2 above, this specification implements The example also provides a method for triggering a resource transfer task. As shown in FIG. 7, the method for triggering a resource transfer task provided in an embodiment of this specification may further include:

Step 700: Obtain a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is obtained;

Step 702: Determine a loss value corresponding to the second resource based on the second resource conversion rate and the first resource conversion rate;

Step 704: Determine whether the loss value is greater than a preset value, and obtain a second judgment result;

Step 706: When the second judgment result indicates that the loss value is not greater than the preset value, trigger a task of adding the first resource of the first resource amount to the resource receiver's account;

Step 708: Reduce the number of the second resources of the second resource from the account of the resource sender.

Among them, the loss value can indicate that due to the change of the resource conversion rate, after the second resource of the resource sender is converted into the first resource of the resource receiver, the resource receiver has less received the first resource or the resource sender needs to remit more The number of first resources. For example, when resource sender A transfers resources to resource receiver B in the United States in China, and the server obtains the resource transfer request sent by the resource management device of the resource sender, the second conversion rate is a1, and the resource sender A predetermined is Three months later, the resource transfer task is triggered. After three months, it is assumed that the first conversion rate is a2, and a2 is greater than a1. Assume that the resource sender A is expected to transfer to the resource receiver B. The first resource quantity is b. Resources. At this time, the resource sender A needs to pay (a2-a1)*b more of the second resource. Assuming that the other costs required for the resource transfer task are the same, the resource sender A pays the second resource more as the loss of the resource transfer value.

Further, the method in the embodiment of this specification may also include:

Step 710: When the second judgment result indicates that the loss value is greater than the preset value, generate prompt information for asking the resource sender whether to continue to perform resource transfer;

Step 712: After obtaining the confirmation operation that the resource sender confirms to continue to perform the resource transfer, trigger the task of adding the first resource of the first resource amount to the resource receiver's account;

Step 714: Decrease the second resource of the second resource quantity from the account of the resource sender.

In practical applications, the preset value corresponding to the loss value can be set according to actual needs. For example, the resource sender can set the preset value in the terminal according to personal circumstances, the server can also provide the resource sender with preset values, etc. . The specific data and setting methods of the preset values are not limited here, as long as the actual needs can be met.

In the method for triggering the resource transfer task provided in the embodiment of this specification, considering the impact of the fluctuation of the conversion rate on the user, the user can be prompted whether to continue the remittance business when the preset conditions are not met, which can reduce the impact of exchange rate fluctuations to a certain extent. The loss caused by the user protects the interests of the user.

It should be noted that the resource sender and resource receiver in the embodiments of this specification are only divided from a program perspective. The resource sender’s account and the resource receiver’s account can belong to the same user, and the corresponding resource sender and resource receiver can belong to the same user. The party can be the same user, and the resource transfer task can be a resource transfer task performed by the same user between different accounts; the resource sender’s account and the resource receiver’s account can belong to different users, the corresponding resource sender and resource receiver They can be different users, and the resource transfer task can be a resource transfer task performed by different users between different accounts.

Based on the same idea, the embodiment of this specification also provides a device corresponding to the method shown in FIG. 2, as shown in FIG. 8, which is an example of a resource transfer task trigger device provided in the embodiment of this specification. Structure diagram, the device may include:

The request obtaining module 800 is configured to obtain a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and information about a predetermined time for transferring the first resource; the first quantity information It is used to indicate the first resource quantity of the first resource that is expected to be transferred to the resource receiver;

The condition determination module 802 is configured to determine a time trigger condition based on the predetermined time information;

The conversion rate obtaining module 804 is configured to obtain a first resource conversion rate when the time trigger condition is satisfied; the first resource conversion rate indicates that when the time trigger condition is satisfied, the first resource and the second resource The resource conversion rate between the two; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource;

A resource quantity determining module 806, configured to determine a second resource quantity of the second resource corresponding to the first resource of the first resource quantity based on the first resource conversion rate;

A task triggering module 808, configured to trigger a task of adding the first resource of the first resource amount to the account of the resource receiver;

The resource management module 810 is configured to reduce the amount of the second resource of the second resource from the account of the resource sender.

Wherein, before the condition determination module, an information confirmation module may also be included, which is configured to: generate resource transfer order information based on the resource transfer request; feed back the resource transfer order information to the terminal of the resource sender; Confirmation information of the terminal for the resource transfer order information.

Based on the device shown in FIG. 8 above, the device for triggering resource transfer tasks provided in the embodiments of this specification may further include a first judging module, configured to: obtain a second resource conversion rate; At the time of the resource transfer request, the resource conversion rate between the first resource and the second resource; determine the second resource conversion based on the second resource conversion rate and the first resource conversion rate Whether the change value between the conversion rate and the first resource conversion rate is greater than the preset change value, a first judgment result is obtained; when the first judgment result indicates that the change value is not greater than the preset change value, trigger The task of adding the first resource of the first resource amount to the account of the resource receiver; and reducing the second resource of the second resource amount from the account of the resource sender.

In the same way, based on the device shown in FIG. 8 above, the device for triggering resource transfer tasks provided in the embodiment of this specification may further include a second judgment module configured to: obtain a second resource conversion rate; The rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is obtained; based on the second resource conversion rate and the first resource conversion rate, the first resource conversion rate is determined 2. The loss value corresponding to the resource; it is determined whether the loss value is greater than the preset value, and the second judgment result is obtained; when the second judgment result indicates that the loss value is not greater than the preset value, a trigger is sent to the resource The account of the receiver increases the task of the first resource of the first resource quantity; and the second resource of the second resource quantity is reduced from the account of the resource sender.

Based on the same idea, the embodiment of this specification also provides a resource transfer task trigger device corresponding to the method shown in FIG. 2, as shown in FIG. 9, which is a resource provided in the embodiment of this specification. A schematic structural diagram of a device for triggering a transfer task. The device 900 may include: at least one processor 910; and a memory 930 communicatively connected to the at least one processor.

The memory 930 stores instructions 920 that can be executed by the at least one processor 910, and the instructions are executed by the at least one processor 910, so that the at least one processor 910 can: obtain a resource transfer request The resource transfer request includes at least the first quantity information of the first resource to be transferred and the predetermined time information for the transfer of the first resource; the first quantity information is used to indicate the first quantity that is expected to be transferred to the resource receiver A first resource quantity of a resource; determine a time trigger condition based on the predetermined time information; when the time trigger condition is met, obtain a first resource conversion rate; the first resource conversion rate indicates that the time trigger condition is When satisfied, the resource conversion rate between the first resource and the second resource; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource; based on the first resource Conversion rate, determining the second resource quantity of the second resource corresponding to the first resource of the first resource quantity; triggering the increase of the first resource quantity of the first resource to the account of the resource receiver The task of the resource; the second resource that reduces the amount of the second resource from the account of the resource sender.

The embodiments of this specification may also provide a computer-readable medium on which computer-readable instructions are stored, and the computer-readable instructions can be executed by the processor to implement the above-mentioned remittance service corresponding to the method shown in FIG. 2 The trigger method.

The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims can be performed in a different order than in the embodiments and still achieve desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown in order to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

The apparatus, equipment, non-volatile computer storage medium and method provided in the embodiments of this specification correspond to each other. Therefore, the apparatus, equipment, and non-volatile computer storage medium also have beneficial technical effects similar to the corresponding method. The beneficial technical effects of the method are described in detail, therefore, the beneficial technical effects of the corresponding device, equipment, and non-volatile computer storage medium are not repeated here.

In the 1990s, the improvement of a technology can be clearly distinguished between hardware improvements (for example, improvements in circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements in method flow). However, with the development of technology, the improvement of many methods and processes of today can be regarded as a direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized by the hardware entity module. For example, a programmable logic device (Programmable Logic Device, PLD) (for example, a Field Programmable Gate Array (Field Programmable Gate Array, FPGA)) is such an integrated circuit whose logic function is determined by the user's programming of the device. It is programmed by the designer to "integrate" a digital system on a piece of PLD, without requiring chip manufacturers to design and manufacture dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly realized with "logic compiler" software, which is similar to the software compiler used in program development and writing, but before compilation The original code must also be written in a specific programming language, which is called Hardware Description Language (HDL), and there is not only one type of HDL, but many types, such as ABEL (Advanced Boolean Expression Language) , AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description), etc., currently most commonly used It is VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that just a little bit of logic programming of the method flow in the above-mentioned hardware description languages and programming into an integrated circuit can easily obtain the hardware circuit that implements the logic method flow.

The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers. Examples of controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as part of the memory control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded logic. The same function can be realized in the form of a microcontroller or the like. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.

The systems, devices, modules, or units illustrated in the above embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.

For the convenience of description, when describing the above device, the functions are divided into various units and described separately. Of course, when implementing this application, the functions of each unit can be implemented in the same or multiple software and/or hardware.

Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.

The present invention is described with reference to flowcharts and/or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and/or block in the flowchart and/or block diagram, and the combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing equipment to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing equipment are used to generate It is a device that realizes the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device. The device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment. The instructions provide steps for implementing the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.

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

The memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.

Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology. The information can be computer-readable instructions, data structures, program modules, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cartridges, magnetic tape storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or equipment including a series of elements includes not only those elements, but also Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity or equipment that includes the element.

This application may be described in the general context of computer-executable instructions executed by a computer, such as a program module. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. This application can also be practiced in distributed computing environments. In these distributed computing environments, tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

The various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the difference from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for related parts, please refer to the part of the description of the method embodiment.

The above descriptions are only examples of the present application, and are not used to limit the present application. For those skilled in the art, this application can have various modifications and changes. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application shall be included in the scope of the claims of this application.

Claims

A method for triggering resource transfer tasks, including:

Acquire a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and information about the scheduled time for transferring the first resource; the first quantity information is used to indicate the expected transfer to the resource The first resource quantity of the first resource of the receiver;

Determine a time trigger condition based on the predetermined time information;

When the time trigger condition is met, a first resource conversion rate is obtained; the first resource conversion rate indicates the resource conversion rate between the first resource and the second resource when the time trigger condition is met; The resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource;

Determine, based on the first resource conversion rate, a second resource quantity of the second resource corresponding to the first resource of the first resource quantity;

Triggering a task of adding the first resource of the first amount of resources to the account of the resource receiver;

The second resource of the second resource quantity is reduced from the resource sender's account.
The method according to claim 1, before the determining the time trigger condition, further comprising:

Based on the resource transfer request, generating resource transfer order information;

Feeding back the resource transfer order information to the terminal of the resource sender;

Acquire confirmation information of the terminal for the resource transfer order information.
The method according to claim 1, before the determining the time trigger condition, further comprising:

Acquiring the estimated second resource quantity of the second resource corresponding to the first resource in the account of the resource sender;

Freezing the second resource of the estimated second resource quantity to obtain the frozen second resource;

The second resource that reduces the amount of the second resource from the account of the resource sender specifically includes:

Reduce some or all of the second resources in the frozen second resources from the resource sender's account.
The method according to claim 1, before triggering the task of adding the first resource of the first amount of resources to the account of the resource receiver, further comprising:

Query the remaining quantity of the second resource in the account of the resource sender;

Judging whether the remaining quantity is greater than or equal to the second resource quantity;

If not, generate feedback information for prompting resource transfer failure.
The method according to claim 1, further comprising:

Obtaining user-related information of the resource sender;

According to the user-related information, it is determined whether the resource transfer task complies with a set rule.
The method according to claim 1, further comprising:

Obtaining user-related information of the resource sender;

Acquiring historical resource transfer information of the resource sender;

According to the user-related information and the historical resource transfer information, it is determined whether the resource transfer task has a risk of violation.
The method according to claim 1, further comprising:

Acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

Based on the second resource conversion rate and the first resource conversion rate, determine whether the change value between the second resource conversion rate and the first resource conversion rate is greater than a preset change value, and obtain a first determination result ；

When the first judgment result indicates that the change value is not greater than the preset change value, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
The method according to claim 7, further comprising:

When the first judgment result indicates that the change value is greater than the preset change value, generating prompt information for asking the resource sender whether to continue the resource transfer;

After obtaining the confirmation operation of the resource sender confirming to continue to perform the resource transfer, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
The method according to claim 1, after the obtaining the resource transfer request, further comprising:

Acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

Determine a loss value corresponding to the second resource based on the second resource conversion rate and the first resource conversion rate;

Judging whether the loss value is greater than a preset value, and obtaining a second judgment result;

When the second judgment result indicates that the loss value is not greater than the preset value, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
The method according to claim 9, further comprising:

When the second judgment result indicates that the loss value is greater than the preset value, generating prompt information for asking the resource sender whether to continue to perform resource transfer;

After obtaining the confirmation operation of the resource sender confirming to continue to perform the resource transfer, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
A triggering device for resource transfer tasks includes:

The request acquisition module is configured to acquire a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and information about a predetermined time for transferring the first resource; the first quantity information is used Yu represents the first resource quantity of the first resource that is expected to be transferred to the resource receiver;

A condition determination module, configured to determine a time trigger condition based on the predetermined time information;

The conversion rate obtaining module is configured to obtain a first resource conversion rate when the time trigger condition is satisfied; the first resource conversion rate indicates that when the time trigger condition is satisfied, the first resource and the second resource The resource conversion rate between the two; the resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource;

A resource quantity determining module, configured to determine a second resource quantity of the second resource corresponding to the first resource of the first resource quantity based on the first resource conversion rate;

A task triggering module, configured to trigger a task of adding the first resource of the first resource amount to the account of the resource receiver;

The resource management module is configured to reduce the second resource of the second resource quantity from the account of the resource sender.
The device according to claim 11, further comprising an information confirmation module, configured to:

Based on the resource transfer request, generating resource transfer order information;

Feeding back the resource transfer order information to the terminal of the resource sender;

Acquire confirmation information of the terminal for the resource transfer order information.
The device according to claim 11, further comprising a resource freezing module, configured to:

Acquiring the estimated second resource quantity of the second resource corresponding to the first resource in the account of the resource sender;

Freezing the second resource of the estimated second resource quantity to obtain the frozen second resource;

The resource management module is specifically used for:

Reduce some or all of the second resources in the frozen second resources from the resource sender's account.
The device according to claim 11, further comprising a first judgment module, configured to:

Acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

Based on the second resource conversion rate and the first resource conversion rate, determine whether the change value between the second resource conversion rate and the first resource conversion rate is greater than a preset change value, and obtain a first determination result ；

When the first judgment result indicates that the change value is not greater than the preset change value, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
The device according to claim 11, further comprising a second judgment module, configured to:

Acquiring a second resource conversion rate; the second resource conversion rate is the resource conversion rate between the first resource and the second resource when the resource transfer request is acquired;

Determine a loss value corresponding to the second resource based on the second resource conversion rate and the first resource conversion rate;

Judging whether the loss value is greater than a preset value, and obtaining a second judgment result;

When the second judgment result indicates that the loss value is not greater than the preset value, triggering the task of adding the first resource of the first resource amount to the resource receiver's account;

The second resource of the second resource quantity is reduced from the resource sender's account.
A triggering device for resource transfer tasks, including:

At least one processor; and,

A memory communicatively connected with the at least one processor; wherein,

The memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can:

Acquire a resource transfer request; the resource transfer request includes at least first quantity information of the first resource to be transferred and information about the scheduled time for transferring the first resource; the first quantity information is used to indicate the expected transfer to the resource The first resource quantity of the first resource of the receiver;

Determine a time trigger condition based on the predetermined time information;

When the time trigger condition is met, a first resource conversion rate is obtained; the first resource conversion rate indicates the resource conversion rate between the first resource and the second resource when the time trigger condition is met; The resource conversion rate is used to indicate the resource quantity of the second resource corresponding to the unit quantity of the first resource;

Determine, based on the first resource conversion rate, a second resource quantity of the second resource corresponding to the first resource of the first resource quantity;

Triggering a task of adding the first resource of the first amount of resources to the account of the resource receiver;

The second resource of the second resource quantity is reduced from the resource sender's account.