A data processing system, a data processing method and an electronic device

Abstract

This application relates to the field of computer technology, and particularly to a data processing system, a data processing method, and an electronic device for improving the flexibility of payment service settlement. The data acquisition module of the data processing system acquires transaction data of at least one target account and saves the acquired transaction data to a storage area; the summary processing module obtains the transaction data from the storage area and respectively determines the summary processing rules corresponding to each target account; performs summary processing according to the summary processing rules to obtain a summary result corresponding to each target account, and sends the summary result to the resource transfer module; the resource transfer module receives the summary result sent by the summary processing module and respectively determines the resource transfer rules corresponding to each target account; transfers electronic resources according to the summary results corresponding to each target account and the resource transfer rules. Since the resource transfer rules corresponding to each target account are different, the flexibility of payment service settlement can be improved.

Description

Background Art

[0002] With the continuous development of Internet technology, more and more merchants conduct electronic transactions, and the transaction methods also increase accordingly. To adapt to various transaction methods, the payment business platform should have a flexible way to process transaction data, which is convenient for providing a more flexible service experience based on the merchant's needs and for the settlement management of internal transaction data of the payment business platform.

[0003] Generally, the data processing system for payment business settlement is mainly used to provide corresponding settlement services for merchants of multiple business payment platforms. At present, the data processing system for payment business settlement has a relatively single way to process transaction data, and there is an urgent need for a data processing system that can flexibly process transaction data. Summary of the Invention

[0004] Embodiments of the present application provide a data processing system, a data processing method and an electronic device to improve the flexibility of transaction data processing.

[0005] In a first aspect, embodiments of the present application provide a data processing system, which includes a data acquisition module, a summary processing module and a resource transfer module;

[0006] The data acquisition module is used to acquire transaction data of at least one target account where a transaction occurs, and save the acquired transaction data of at least one target account to a storage area;

[0007] The summary processing module is used to obtain transaction data of at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account; respectively perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain a summary result corresponding to each target account; send the summary results corresponding to at least one target account to the resource transfer module;

[0008] The resource transfer module is used to receive the summary results corresponding to at least one target account sent by the summary processing module, and respectively determine the resource transfer rules corresponding to each target account; perform transfer processing on the electronic resources corresponding to each target account according to the summary results and resource transfer rules corresponding to each target account.

[0009] Optionally, the summary processing module is specifically used to: determine the summary processing rules corresponding to each target account according to the corresponding relationship between the account and the summary processing rules stored in advance;

[0010] The resource transfer module is specifically used to: determine the resource transfer rules corresponding to each target account according to the corresponding relationship between the account and the resource transfer rules stored in advance.

[0011] Second aspect, an embodiment of the present application provides a data processing method, which includes:

[0012] Collect transaction data of at least one target account where a transaction occurs, and save the collected transaction data of the at least one target account to a storage area;

[0013] Obtain the transaction data of at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account; perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain a summary result corresponding to each target account;

[0014] Respectively determine the resource transfer rules corresponding to each target account; perform transfer processing on the electronic resources corresponding to each target account according to the summary result and the resource transfer rules corresponding to each target account.

[0015] Optionally, collecting transaction data of at least one target account where a transaction occurs specifically includes:

[0016] According to a plurality of preset collection time points for collecting transaction data, after determining that a collection time point arrives, collect the transaction data generated by each account within a preset duration before the collection time point;

[0017] Saving the collected transaction data of at least one target account to the storage area specifically includes:

[0018] According to the corresponding relationship between the preset collection time point and the data storage location, determine the data storage location corresponding to the arrived collection time point, and save the transaction data of each account collected to the storage area corresponding to the determined data storage location.

[0019] Optionally, obtaining the transaction data of at least one target account from the storage area specifically includes:

[0020] According to a plurality of preset summary time points for summarizing transaction data, after determining that a summary time point arrives, according to the corresponding relationship between the preset summary time point and the data storage location, determine at least one data storage location corresponding to the arrived summary time point; obtain the transaction data of each account collected by the data collection module from the storage area corresponding to the at least one data storage location.

[0021] Optionally, respectively determining the summary processing rules corresponding to each target account specifically includes:

[0022] According to the corresponding relationship between the pre-stored accounts and the summary processing rules, determine the summary processing rules corresponding to each target account.

[0023] Optionally, determine the resource transfer rules corresponding to each target account respectively, specifically including:

[0024] According to multiple transfer time points for resource transfer preset, after determining that the transfer time point arrives, determine the resource transfer rules corresponding to each target account according to the corresponding relationship between the pre-stored accounts and the resource transfer rules.

[0025] Thirdly, an embodiment of the present application provides an electronic device, including:

[0026] At least one processor; and

[0027] A memory communicatively connected to the at least one processor; wherein,

[0028] 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 execute the data processing method in the embodiment of the present application.

[0029] Beneficial effects of the present application:

[0030] Based on the data processing system provided by the embodiment of the present application, the data acquisition module acquires transaction data of at least one target account of each payment service platform and saves the acquired transaction data of the at least one target account to the storage area; when the summary processing module summarizes the transaction data of each target account, it obtains the transaction data of the at least one target account from the storage area and respectively determines the summary processing rules corresponding to each target account; respectively perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain a summary result corresponding to each target account; send the summary results corresponding to the at least one target account to the resource transfer module; the resource transfer module receives the summary results corresponding to the at least one target account sent by the summary processing module and respectively determines the resource transfer rules corresponding to each target account; according to the summary results and resource transfer rules corresponding to each target account, perform transfer processing on the electronic resources corresponding to each target account. Since in the data processing system provided by the embodiment of the present application, the summary processing rules corresponding to different target accounts can be the same or different, the summary processing module determines the summary processing rules corresponding to each target account, and can uniformly process the transaction data of target accounts with the same summary processing rules. Moreover, the resource transfer rules corresponding to different target accounts can be the same or different, and the resource transfer module performs electronic resource transfer according to the summary results and resource transfer rules corresponding to each target account, improving the flexibility of transaction data processing. Description of the Drawings

[0031] To more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings.

[0032] Figure 1 It is a schematic diagram of an application scenario shown according to an exemplary embodiment;

[0033] Figure 2 It is a schematic diagram of the structure of a data processing system provided by an embodiment of the present application;

[0034] Figure 3 It is a display interface of a client shown according to an exemplary embodiment;

[0035] Figure 4 It is a schematic diagram of another optional application scenario exemplary of an embodiment of the present application;

[0036] Figure 5 It is a schematic diagram of the system disaster tolerance principle provided by an embodiment of the present application;

[0037] Figure 6 It is a schematic diagram of the structure of another data processing system provided by an embodiment of the present application;

[0038] Figure 7 It is a schematic diagram of the structure of another data processing system provided by an embodiment of the present application;

[0039] Figure 8 It is a schematic diagram of the process of electronic resource transfer provided by an embodiment of the present application;

[0040] Figure 9 It is a schematic diagram of the processing process of transaction data in a data processing system provided by an embodiment of the present application;

[0041] Figure 10 It is a flowchart of a data processing method provided by an embodiment of the present application;

[0042] Figure 11 It is a schematic diagram of the structure of an electronic device further provided by an embodiment of the present application;

[0043] Figure 12 It is a schematic diagram of the structure of a computing device provided by an embodiment of the present application. Detailed implementation manners

[0044] To make the objectives, technical solutions, and advantages of the present invention more clear and understandable, the following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the scope of protection of the present invention. Without conflict, the embodiments in the present invention and the features in the embodiments can be arbitrarily combined with each other. And although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0045] In the description and claims of the present invention and the above-mentioned accompanying drawings, the terms "first" and "second" are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device that includes a series of steps or units is not limited to the listed steps or units, but optionally further includes steps or units not listed, or optionally further includes other steps or units inherent to these processes, methods, products, or devices.

[0046] In the embodiments of the present invention, "a plurality of" may mean at least two, for example, it may be two, three, or more, and the embodiments of the present application do not make limitations.

[0047] The following explains some terms involved in the embodiments of the present application to facilitate the understanding of those skilled in the art.

[0048] Clearing and settlement: For the collection business, settle the transaction amount to the merchant according to the settlement contract rules agreed with the merchant, and issue a transaction bill and a settlement bill; for the charging business, settle the handling fee to the business income according to the settlement contract rules agreed with the merchant, and issue a handling fee bill.

[0049] Settlement and cash withdrawal: The link of delivering the funds to be settled by the merchant or the account balance to the merchant according to the settlement and cash withdrawal rules agreed in the signed contract agreement.

[0050] Business channels: Transactions on multiple payment platforms, for example, transactions through mobile applications and transactions through personal computer (PC) website platforms.

[0051] Payment services: Product information opened by merchants, such as clothing services and digital home appliance services.

[0052] Payment methods: Channels used by users when making payment transactions, such as online payment and payment on behalf of others.

[0053] Currently, the data processing system for payment business settlement is mainly used to provide corresponding settlement services for merchants on various business payment platforms. Currently, the transaction data processing method of the data processing system for payment business settlement is relatively single and cannot be flexibly processed according to user needs.

[0054] In the data processing system provided by the embodiments of the present application, the data acquisition module acquires transaction data of at least one target account on each payment business platform and saves the acquired transaction data of the at least one target account to the storage area. Since the number of target accounts is large and one target account can generate multiple orders of transaction data, the data acquisition module can save the acquired transaction data of the at least one target account to at least one storage area, reducing the storage pressure of the system and preventing the system from crashing and losing all transaction data; when the summary processing module summarizes the transaction data of each target account, it obtains the transaction data of the at least one target account from the storage area and respectively determines the summary processing rules corresponding to each target account, and respectively performs summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain the summary result corresponding to each target account, and sends the summary results corresponding to the at least one target account to the resource transfer module; wherein, the summary processing rules corresponding to different target accounts can be the same or different. The summary processing module determines the summary processing rules corresponding to each target account, can uniformly process the transaction data of the target accounts with the same summary processing rules, improving the summary efficiency, and can also obtain transaction data from the storage areas corresponding to the at least one target account, improving the efficiency of data acquisition; the resource transfer module receives the summary results corresponding to the at least one target account sent by the summary processing module and respectively determines the resource transfer rules corresponding to each target account, and performs transfer processing on the electronic resources corresponding to each target account according to the summary results corresponding to each target account and the resource transfer rules; wherein, the resource transfer rules corresponding to different target accounts can be the same or different. The resource transfer module performs electronic resource transfer according to the summary results corresponding to each target account and the resource transfer rules, improving the flexibility of payment business settlement and thereby enhancing the user experience.

[0055] As Figure 1 shown, it is a schematic diagram of an exemplary alternative application scenario of the embodiments of the present application, including multiple terminal devices 10 and a server 20;

[0056] For each terminal device 10, the target object logs in to the client installed on the terminal device 10 using the target account. Among them, the client installed on the terminal device 10 can be a client capable of performing electronic transactions; the target object can view transaction data through the client installed on the terminal device; wherein, the terminal device 10 can be a smart phone, a tablet, a computer, etc., and the terminal device 10 and the server 20 communicate through the Internet;

[0057] A data processing system is deployed in the server 20. The data processing system collects transaction data of multiple target accounts, and respectively determines the summary processing rules corresponding to each target account; respectively performs summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain the summary result corresponding to each target account; and respectively determines the resource transfer rules corresponding to each target account; according to the summary result corresponding to each target account and the resource transfer rules, performs transfer processing on the electronic resources corresponding to each target account.

[0058] Figure 2 It is a schematic structural diagram of the data processing system provided by the embodiment of the present application. The system includes a data acquisition module 101, a summary processing module 102, and a resource transfer module 103.

[0059] The data acquisition module 101 is used to collect transaction data of at least one target account where a transaction occurs, and save the collected transaction data of the at least one target account to the storage area;

[0060] The summary processing module 102 is used to obtain the transaction data of at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account; respectively perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain the summary result corresponding to each target account; and send the summary results corresponding to the at least one target account to the resource transfer module;

[0061] The resource transfer module 103 is used to receive the summary results corresponding to the at least one target account sent by the summary processing module, and respectively determine the resource transfer rules corresponding to each target account; according to the summary results corresponding to each target account and the resource transfer rules, perform transfer processing on the electronic resources corresponding to each target account.

[0062] Among them, the server 20 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms;

[0063] When the server 20 is an independent physical server, the acquisition module 101, the summary processing module 102, and the resource transfer module 103 in the data processing system can be integrated into the same physical server; when the server 20 is a server cluster or a distributed system composed of multiple physical servers, the acquisition module 101, the summary processing module 102, and the resource transfer module 103 can be located on different physical servers respectively.

[0064] It should be noted that after the target object logs in to the client installed on the terminal device 10 through the target account, the summary processing rule and the resource transfer rule corresponding to the target account can be set or modified in the display interface of the client.

[0065] Such as Figure 3 The display interface of the exemplary client is shown. Taking the setting of the resource transfer rule corresponding to the target account as an example, the display interface of the client shows a list of multiple optional resource transfer rules, and the target object can select the resource management rule corresponding to the target account from the multiple resource transfer rules in the list; for example, the merchant selects the resource transfer rule numbered "1000003000". Among them, the merchant can also create a resource transfer rule by touching "+", and delete a resource transfer rule by "-".

[0066] In addition, in order to improve the reliability of data processing in the embodiments of the present application, the data processing system can be deployed in multiple servers for system disaster tolerance; such as Figure 4 As shown, it is a schematic diagram of another optional application scenario exemplary in the embodiments of the present application, including multiple terminal devices (401-403), a server 41, and a server 42; among them, the server 41 can be the main server, and the server 42 can be the standby server.

[0067] The data processing system is deployed on both the main server 41 and the standby server 42. The main server 41 and the standby server 42 can be located in different geographical locations. The routing configuration center is responsible for configuring the main server and the standby server. The main server 41 and the standby server 42 can run simultaneously, or only the main server 41 can run. When the main server 41 fails, the standby server 42 is started; the data generated by the main server 41 and the standby server 42 are backed up with each other.

[0068] Such as Figure 5The schematic diagram of disaster tolerance for the primary server 41 and the standby server 42 shown in the figure. The rule table in the primary server 41 is backed up in the standby server 42. The primary server 41 contains a transaction table set1-DB1, and the transaction table set1-DB1 stores the data of each module in the data processing system deployed in the primary server 41, including the transaction data collected by the data acquisition module, the summary results of the summary processing module, etc.; and the data in the transaction table set1-DB1 of the primary server 41 is backed up in the standby server 42 to generate a standby transaction table set2-DB1; the data processing in the standby server 42 also contains a transaction table set2-DB2, and the transaction table set2-DB2 stores the data of each module in the data processing system deployed in the standby server 42, including the transaction data collected by the data acquisition module, the summary results of the summary processing module, etc.; and the data in the transaction table set2-DB2 of the standby server 42 is backed up in the primary server 41 to generate a standby transaction table set1-DB2; the primary server 41 and the standby server 42 display the transaction data transfer results, and the display method can be to send a prompt message to the user interface.

[0069] In the embodiments of the present application, the data in the data processing system mainly includes two parts of data. The first part of the data is the summary processing rules and resource transfer rules corresponding to each target account, which can be called configuration data, and the number of changes is small, about several thousand per day on average; the second part of the data is the summary results and resource transfer numbers of each target account, etc., and the data volume is large.

[0070] For the first part of the data, a unified external access layer is used. Generally, when a target account applies for registration, resource transfer rules and summary processing rules are created, or when a target account modifies the summary processing rules or resource transfer rules, the created rules or modified rules can be stored in the rule table, and at least one of the corresponding target account identifier, creation / modification time, and summary period is recorded. At the same time, the data table is stored in the settlement primary server and the settlement standby server; when storing the data table, an asynchronous storage method can be used, that is, the settlement primary server / settlement standby server first receives the storage request and then synchronously stores the data table;

[0071] For the second part of the data, the quantity is large. In order to prevent problems such as duplicate settlement, missed settlement, and multiple settlement caused by the switch between the settlement primary server and the settlement standby server after a failure recovery, the data in the standby transaction table of the settlement primary server / settlement standby server can be used to judge whether the target account has completed data summary, resource transfer, etc. If the transaction data of target account A is not queried, target account A can be frozen first until it is thawed after the failure recovery, and the settlement of other accounts is not affected during the freezing process.

[0072] In the embodiments of the present application, the electronic resources include transaction funds, designated retention amounts, handling fees, etc.

[0073] In the embodiments of the present application, the resource transfer rule may also be referred to as the settlement and cash withdrawal rule. The account types of merchants in different business channels are different.

[0074] The data processing system provided by the embodiments of the present application defines the electronic resource transfer method for a certain payment service, a certain business channel, and a certain payment method of the target account based on three parts: the resource transfer rule, the settlement and cash withdrawal disbursement account, and the settlement and cash withdrawal target account. The resource transfer disbursement account is the source account for the funds to be executed for settlement and cash withdrawal, which may be an account opened by the merchant on the payment platform. The resource transfer target account is the target account for the funds to be executed for settlement and cash withdrawal, which may be a bank card or an account opened by the merchant on the payment platform.

[0075] Among them, the resource transfer rule includes a resource transfer mode (full transfer, partial transfer, etc.) and a designated retention amount (including this account and the other party's account). Each resource transfer rule corresponds to a unique number; for example, Table 1 exemplarily shows several resource transfer rules provided by the embodiments of the present application. For the detailed description of each resource transfer rule, please refer to Table 1.

[0076] Table 1. Content of the settlement and cash withdrawal rule

[0077]

[0078]

[0079]

[0080] In the embodiments of the present application, according to at least one of the account ID, business channel, payment service, and payment method of the target account, the resource transfer rule corresponding to the target account can be uniquely determined. According to the resource transfer rule, at least one of the resource transfer disbursement account, resource transfer target account, resource transfer mode, and designated resource retention amount is determined.

[0081] In the embodiments of the present application, when the data acquisition module 101 acquires the transaction data of at least one target account where a transaction occurs, it can be acquired according to the following method:

[0082] According to multiple acquisition time points preset for acquiring transaction data, after determining that the acquisition time point has arrived, the transaction data generated by each account within a preset duration before the acquisition time point is acquired;

[0083] Among them, multiple acquisition time points for transaction data acquisition can be preset according to the number of target accounts of the payment service platform or the transaction data volume of the payment service platform. The intervals between the multiple acquisition time points can be the same or different. For example, if the transaction data generated by the payment service platform from 8:00 to 10:00 is less and the transaction data generated from 10:00 to 14:00 is more, 2 acquisition time points can be set between 8:00 and 10:00, and 8 acquisition time points can be set between 10:00 and 14:00. The data acquisition module 101 acquires the transaction data generated by each account within a preset duration before the acquisition time point after determining that the acquisition time point has arrived. Among them, the preset duration can be set according to the actual transaction situation. For example, 9:00 is the set acquisition time point, and the preset duration is 10 minutes. The data acquisition module 101 acquires the transaction data generated by each account from 8:50 to 9:00 at 9:00.

[0084] In an alternative embodiment, the embodiments of the present application can store the acquired data separately according to the types of target accounts. For example, the transaction data of each target account in payment service platform A is stored at location 1, and the transaction data of each target account in payment service platform B is stored at location 2.

[0085] In an alternative embodiment, the data acquisition module 101 records the transaction time of the last transaction data acquired within each preset duration, and acquires the transaction data according to the transaction time when the transaction data is generated. The next preset duration acquires the transaction data after the transaction time of the last transaction data acquired in the previous preset duration, avoiding the acquisition of duplicate transaction data within each preset duration and reducing data redundancy. For example, the first preset duration is from 9:50 to 10:00, and the second preset duration is from 10:00 to 10:10. The time when the data acquisition module 101 acquires and records the last transaction data acquired within the first preset duration from 9:50 to 10:00 is 9:59:59. When the data acquisition module 101 acquires the transaction data within the second preset duration from 10:00 to 10:10, it acquires the transaction data after 9:59:59 and records the transaction time of the last transaction data acquired within the second preset duration.

[0086] In an alternative embodiment, after the transaction data of each account is acquired, the data acquisition module 101 determines the data storage location corresponding to the arrived acquisition time point according to the corresponding relationship between the preset acquisition time point and the data storage location, and saves the acquired transaction data of each account to the storage area corresponding to the determined data storage location.

[0087] For example, the data storage area corresponding to the collection time point of 9 o'clock is storage location 1. When 9 o'clock arrives, the data collection module 101 saves the transaction data of each account collected to storage location 1.

[0088] When the summary processing module 102 obtains the transaction data of at least one target account from the storage area, it can obtain the transaction data of each account according to the following method:

[0089] According to multiple preset summary time points for summarizing transaction data, after determining that a summary time point has arrived, according to the corresponding relationship between the preset summary time point and the data storage location, determine at least one data storage location corresponding to the arrived summary time point; from the storage areas corresponding to at least one data storage location, obtain the transaction data of each account collected by the data collection module.

[0090] Among them, one summary time point can correspond to one or more data storage locations; for example, 24:00 on September 1st is the summary time point, and the data storage locations corresponding to this summary time point are location 1 and location 2. At 24:00 on September 1st, the summary processing module 102 obtains the transaction data of each account collected by the data collection module 101 from location 1 and location 2.

[0091] After the summary processing module 102 obtains the transaction data of each account, it respectively determines the summary processing rules corresponding to each target account; according to the summary processing rules corresponding to each target account, it respectively performs summary processing on the transaction data of each target account to obtain the summary result corresponding to each target account; sends the summary results corresponding to at least one target account to the resource transfer module;

[0092] In an alternative implementation manner, after obtaining the transaction data of at least one target account, the summary processing rules corresponding to each target account can be determined according to the corresponding relationship between the pre-stored accounts and the summary processing rules; among them, each target account can be uniquely identified by an account ID, the summary processing rules can be uniquely identified by a summary rule number, and the corresponding relationship between the account and the summary processing rules can be represented by the account ID and the summary rule number;

[0093] In an alternative embodiment, the summary processing rules corresponding to different target accounts may be the same or different. The summary processing module 102 can simultaneously perform summary processing on the transaction data of target accounts with the same summary processing rules, improving the efficiency of summary processing. Specifically, in implementation, the summary processing module 102 determines the summary processing rules corresponding to each target account, groups the target accounts according to the summary processing rules, and the summary processing rules corresponding to the target accounts in the same target account group are the same. Then, it respectively performs summary processing on the transaction data of the target accounts in each target account group to obtain the summary results corresponding to each target account in each target account group.

[0094] It should be noted that there is an association relationship between the summary processing rules corresponding to the target accounts in the embodiments of this application and the resource transfer rules. For example, when the resource transfer rules corresponding to different target accounts are different, the corresponding summary processing rules are also different. Suppose the resource transfer rule of target account A is that a part of the resources is transferred to a designated platform account and another part is transferred to a bank card account. Then, the summary processing rule corresponding to target account A is: summarize the summary results transferred to the designated platform account, the summary results transferred to the bank card account, and the summary results related to the handling fees that need to be deducted.

[0095] For example, the resource transfer rule of target account A is to withdraw 50 yuan to the designated platform account and withdraw the balance to the bound bank card account. Suppose the transaction data of target account A obtained by the summary processing module is 40 yuan and 60 yuan. Then, the transaction data of target account A is accumulated to obtain a total transaction data of 100 yuan, the handling fee to be deducted is summarized as 1 yuan, the summary result to be transferred to the designated platform account is summarized as 50 yuan, and the summary result to be transferred to the bank card account is summarized as 49 yuan.

[0096] In the embodiments of this application, the data collection module 101 and the summary processing module 102 can preset the storage format of the transaction data. The data collection module 102 stores the collected transaction data of each target account in the set format, facilitating the summary processing module 102 to perform summary.

[0097] After receiving the summary results corresponding to at least one target account sent by the summary processing module, the resource transfer module 103 can determine the resource transfer rules corresponding to each account according to the following methods:

[0098] Determine the resource transfer rules corresponding to each target account according to the corresponding relationship between the accounts and the resource transfer rules stored in advance;

[0099] Among them, each account can be uniquely identified by an account ID, the resource transfer rule can be uniquely identified by a resource transfer rule number, and the corresponding relationship between the account and the resource transfer rule can be represented by the account ID and the resource transfer rule number;

[0100] In an alternative embodiment, multiple transfer time points for resource transfer can be preset in advance. After determining that a transfer time point has arrived according to the multiple transfer time points, the resource transfer module 103 respectively determines the resource transfer rules corresponding to each account, and for the summary result corresponding to each account sent by the received summary processing module 102, according to the summary result corresponding to each account and the resource transfer rules, respectively performs transfer processing on the electronic resources corresponding to each account; for example, setting the transfer time point for resource transfer to 24:00 every day, after 24:00 arrives, transfer 1 yuan out of 100 yuan in the target account A to the revenue account of the payment service platform where the target A account is located, transfer 50 yuan to another account A' in the payment service platform, and transfer 49 yuan to the bank card account bound to the target account A.

[0101] Figure 6 The figure is a schematic structural diagram of the data processing system provided in the embodiment of the present application. The system includes a data acquisition module 101, a summary processing module 102, a resource transfer module 103, and a task overall control module 104;

[0102] The data acquisition module 101 is configured to receive a first scheduling instruction, collect transaction data generated by each account within a preset duration before receiving the first scheduling instruction, and save the collected transaction data of each account to a storage area corresponding to the data storage location included in the first scheduling instruction;

[0103] The summary processing module 102 receives a second scheduling instruction, and obtains the transaction data of each account collected by the data acquisition module from the storage areas corresponding to at least one data storage location;

[0104] The resource transfer module 103 is configured to, after receiving a third scheduling instruction, respectively determine the resource transfer rules corresponding to each account, and for the summary result corresponding to each account sent by the received summary processing module 102, according to the summary result corresponding to each account and the resource transfer rules, respectively perform transfer processing on the electronic resources corresponding to each account;

[0105] The task overall control module 104 is configured to, according to multiple acquisition time points for data acquisition preset, after determining that an acquisition time point has arrived, send a first scheduling instruction to the data acquisition module 101; according to multiple time points for data summary preset, after determining that a summary time point has arrived, determine at least one data storage location corresponding to the arrived summary time point according to the corresponding relationship between the preset summary time point and the data storage location; send a second scheduling instruction including at least one data storage location to the summary processing module; according to multiple transfer time points for resource transfer preset, after determining that a transfer time point has arrived, send a third scheduling instruction to the resource transfer module.

[0106] The task master control module 104 can determine the data storage location corresponding to the arrived collection time point according to the correspondence between the preset collection time point and the data storage location, and send the determined data storage location to the data collection module 101 through the first scheduling instruction. After the collection time point arrives, the first scheduling instruction is sent to the data collection module 101, and the first scheduling instruction carries the collection time point; the data collection module 101 collects the transaction data generated by each account within the preset duration before receiving the first scheduling instruction, and saves the collected transaction data of each account to the storage area corresponding to the data storage location included in the first scheduling instruction;

[0107] For example, 10 o'clock is a collection time point, the preset duration is 10 minutes. After 10 o'clock arrives, the task master control module 104 sends the first scheduling instruction to the data collection module 101. After receiving the first scheduling instruction, the data collection module 101 collects the transaction data generated by each account from 9:50 to 10:00, and stores the collected transaction data of each account in storage location 1;

[0108] Among them, the first scheduling instruction includes a collection identifier, a collection time point, and a data storage location. The collection identifier can be represented by an 11-bit binary number, which is used to indicate that the first scheduling instruction is sent to the data collection module 101. The data storage location can be represented by a 2-bit binary number. The format of the first scheduling instruction can be: collection identifier + yyyymmdd + HHMM + data storage location, where yyyymmdd is the year, month, and day, HHMM is the hour and minute, and yyyymmdd + HHMM is the time collection point; for example, the first scheduling instruction 00000000001 + 20200930 + 9:00 + 01 means that the data storage location corresponding to 9:00 am on September 30, 2020 is location 1; when the collection time point arrives, the task master control module 104 sends the first scheduling instruction to the data collection module 101, and the first scheduling instruction carries the data storage location. The data collection module 101 saves the collected transaction data of each account to location 1 according to the received first scheduling instruction;

[0109] In an alternative embodiment, the first scheduling instruction may further include a collection end time, and the format is collection identifier + yyyymmdd + HHMM + HHMM + data storage location, where the first HHMM is the start collection time point, and the second HHMM is the end collection time point. By setting the end collection time point, the collection duration of the data collection module 101 is ensured, the interruption of the data collection task is avoided, and the integrity of the data collected by the data collection module is improved.

[0110] In an embodiment of the present application, the summary processing module 102 may determine the summary processing rules corresponding to each target account in the following two ways:

[0111] Method 1: The summary processing module determines the summary processing rules corresponding to each account respectively according to the pre-stored correspondence between the accounts and the summary processing rules;

[0112] According to multiple preset time points for data summarization, after determining that the summarization time point has arrived, the task master control module 104 determines at least one data storage location corresponding to the arrived summarization time point according to the pre-set correspondence between the summarization time point and the data storage location; sends a second scheduling instruction including at least one data storage location to the summary processing module; the summary processing module 102 receives the second scheduling instruction, obtains the transaction data of each account collected by the data collection module 101 from the storage areas corresponding to at least one data storage location, and respectively determines the summary processing rules corresponding to each target account in the storage areas corresponding to at least one data storage location according to the pre-stored correspondence between the accounts and the summary processing rules;

[0113] Among them, one summarization time point may correspond to one or more data storage locations. The task master control module 104 may generate a second scheduling instruction according to the pre-set correspondence between the summarization time point and the data storage location. The second scheduling instruction includes a summarization identifier, a summarization time point, and at least one data storage location. The summarization identifier may be represented by an 11-bit binary number and is used to indicate that the second scheduling instruction is sent to the summary processing module 102. The data storage location may be represented by a 2-bit binary number. The format of the second scheduling instruction may be: summarization identifier + yyyymmdd + HHMM + data storage location 1 + data storage location 2 + … data storage location N, where N is an integer greater than 1. Among them, yyyymmdd is the year, month, and day, HHMM is the hour and minute, and yyyymmdd + HHMM is the summarization time point. For example, the second scheduling instruction 00000000010 + 20200930 + 24:00 + 01 + 02 means that the data storage locations corresponding to 9:00 am on September 30, 2020 are location 1 and location 2; when the summarization time point arrives, the task master control module 104 sends a second scheduling instruction to the summary processing module 102. The second scheduling instruction carries the data storage location. The summary processing module 102 obtains the transaction data of each account collected from location 1 and location 2 according to the received second scheduling instruction, and at the same time obtains the account identifier (such as account ID) of at least one target account in location 1 and location 2. According to the correspondence between the account ID and the summary processing rules, it determines the summary processing rules of at least one account in location 1 and location 2, and performs summary processing on the transaction data of at least one target account according to the summary processing rules;

[0114] Method 2: The summary processing module determines the summary processing rules corresponding to each account through the rule query module;

[0115] Figure 7 The data processing system shown further includes a rule query module 105;

[0116] The summary processing module 102 sends a first query instruction including the account identifiers of at least one target account to the rule query module 105, and receives the summary processing rules corresponding to each target account returned by the rule query module 105;

[0117] The rule query module 105 receives the first query instruction sent by the summary processing module 102; determines the summary processing rules corresponding to each target account according to the pre-stored correspondence between the accounts and the summary processing rules, and returns the summary processing rules corresponding to each target account to the summary processing module 102;

[0118] Among them, the account identifier can be the account ID. The rule query module 105 determines the summary processing rules corresponding to each account ID according to the received first query instruction, and returns the determined summary processing rules corresponding to each target account to the summary processing module 102, so that the summary processing module performs summary processing on the transaction data of each target account according to the summary processing rules;

[0119] Such as Figure 7 As shown, the rule query module 105 of the embodiment of the present application includes a control unit 1051 and at least one rule service unit 1052;

[0120] The control unit 1051 receives the first query instruction sent by the summary processing module 102, determines the rule service unit corresponding to each target account included in the first query instruction according to the correspondence between the account type and the rule service unit, and sends a first notification message for querying the summary processing rules corresponding to the target account to the rule service unit corresponding to each target account; after receiving the summary processing rules corresponding to each target account returned by the rule service unit, returns the summary processing rules corresponding to each target account to the summary processing module 102;

[0121] After receiving the first notification message sent by the control unit 1051, the rule service unit 1052 determines the summary processing rules corresponding to the target account included in the first notification message according to the pre-stored correspondence between the accounts and the summary processing rules, and returns the determined summary processing rules corresponding to the target account to the control unit 1051;

[0122] Among them, the rule query module 105 has connected to an OpenID Provider (OP). The OP provides a target account authentication function for determining the account type of the target account. The rule query module 105 can be deployed in different servers;

[0123] The rule query module 105 can be used to store summary processing rules. The account types of different payment business platforms are different, and different types of accounts can correspond to different summary processing rules. To improve system performance, a payment business platform can correspond to a rule service unit 1052. This rule service unit only responds to the first notification message of the summary processing rules corresponding to the target accounts signed with this payment business platform;

[0124] In the embodiments of this application, a rule service unit can provide at least one service interface, and each service interface provides different summary processing rule services;

[0125] For example, the first rule service unit includes a rule query interface, a rule creation interface, and a rule modification interface. The rule query interface is used to respond to the first notification message sent by the control unit and provide the service of querying the summary processing rules corresponding to each target account. The rule creation interface is used to create summary processing rules for the target account when the target account enters the payment business platform. The rule modification interface is used to provide the service of modifying the summary processing rules of the target account.

[0126] In the embodiments of this application, the resource transfer module 103 can determine the resource transfer rules corresponding to each target account in the following two ways;

[0127] Way 1: The resource transfer module determines the resource transfer rules corresponding to each account respectively according to the pre-stored correspondence between the accounts and the resource transfer rules;

[0128] The task master control module 104 sends a third scheduling instruction to the resource transfer module 103 after determining that the transfer time point has arrived according to a plurality of preset transfer time points for resource transfer;

[0129] After receiving the third scheduling instruction, the resource transfer module 103 determines the resource transfer rules corresponding to each account respectively according to the pre-stored correspondence between the accounts and the resource transfer rules, and transfers and processes the electronic resources corresponding to each account respectively according to the summary results corresponding to each account received by the received summary processing module 102 and the resource transfer rules;

[0130] Among them, the third scheduling instruction carries the transfer time point. After receiving the third scheduling instruction, the resource transfer module 103 can determine the resource transfer rules corresponding to each target account according to the pre-stored correspondence between the accounts and the resource transfer rules. For example, the account ID of each target account corresponds to a resource transfer rule number, and the resource transfer rules corresponding to each target account are determined according to the ID of each target account; according to the ID of each target account, the corresponding summary result is obtained from the summary processing module, and combined with the resource transfer rules, the electronic resources corresponding to each account are respectively transferred and processed;

[0131] In the embodiments of the present application, the process of transferring from the paying party (account B of the payment service platform where the target account C is located) to the receiving party (cash account of the target account C) is called the settlement transaction amount (B2C), and the process of transferring from the debiting party (cash account of the target account C) to the receiving party (income account B of the payment service platform) is called the settlement handling fee (C2B); it should be noted that when transferring electronic resources, the settlement transaction amount and the settlement handling fee need to be carried out under the same transaction to ensure that they succeed or fail simultaneously;

[0132] In the embodiments of the present application, the electronic resource transfer process includes transferring from the debiting party (cash account of the target account C) to the bank card account bound to the target account or another account of the payment service platform, and transferring from the debiting party (income account D of the payment service platform) to the bank card account bound to the income account of the payment service platform;

[0133] For each target account, the resource transfer module 103 determines the number of resources transferred to the resource account according to the electronic resource transfer corresponding to the target account. The resource account includes the bank card account bound to the target account and the account opened by the payment service platform. According to the resource transfer rules, the number of resources determined by the electronic resource transfer of the target account is transferred to the corresponding resource account; for example, the resource transfer rule corresponding to the target account C is to transfer the full amount of the transaction amount to the bank card. The electronic resource transfer process of the target account C is as Figure 8 shown. The summary result of the target account C is 100 yuan for the settlement transaction amount and 1 yuan for the settlement handling fee. When transferring the electronic resources of the target account C, 1 yuan of the handling fee is transferred from the cash account of the target account C to the income account of the payment service platform, and the handling fee is transferred from the income account to the bank card account bound to the income account. 99 yuan after deducting the handling fee is all transferred to the bank card account bound to the target account C;

[0134] Method 2: The resource transfer module determines the resource transfer rules corresponding to each account through the rule query module;

[0135] The resource transfer module 103 sends a second query instruction containing the account identifiers of at least one target account to the rule query module 105, and receives the resource transfer rules corresponding to each target account returned by the rule query module 105;

[0136] The rule query module 105 receives the second query instruction sent by the resource transfer module, determines the resource transfer rules corresponding to each target account according to the pre-stored correspondence between accounts and resource transfer rules, and returns the resource transfer rules corresponding to each target account to the resource transfer module;

[0137] The rule query module 105 can be used to store resource transfer rules. The account types of different payment service platforms are different, and different types of accounts can correspond to different resource transfer rules. Each payment service platform corresponds to a rule service unit 1052, and this rule service unit only responds to the second notification message of the resource transfer rules corresponding to the target accounts signed with this payment service platform;

[0138] In specific implementation, the control unit 1051 receives the second query instruction sent by the summary processing module 102, determines the rule service units corresponding to each target account included in the second query instruction according to the correspondence between the account type and the rule service unit, and sends a second notification message for querying the resource transfer rules corresponding to the target accounts to the rule service units corresponding to each target account; after receiving the resource transfer rules corresponding to each target account returned by the rule service unit, it returns the resource transfer rules corresponding to each target account to the resource transfer module 103; after receiving the second notification message sent by the control unit 1051, the rule service unit 1052 determines the resource transfer rules corresponding to the target account included in the second notification message according to the pre-stored correspondence between the account and the resource transfer rules, and returns the determined resource transfer rules corresponding to the target account to the control unit 1051.

[0139] Figure 9 It is a schematic diagram of the processing process of transaction data in the data processing system provided by the embodiment of the present application, as Figure 9As shown, the server 301 provides the transaction data of each target account in each payment service platform. The data collection module 101 obtains the transaction data from the server 301, stores it in the database 302 in a set format, and parses the collected transaction data; the summary processing module 102 obtains the transaction data of each target account from the data collection module 101, sends a first query instruction to the rule query module 105, and receives the summary processing rule returned by the rule query module 105, and performs summarization according to the summary processing rule; the resource transfer module 103 obtains the summary result from the summary processing module 102, sends a second query instruction to the rule query module 105, and receives the resource transfer rule returned by the rule query module 105, determines the handling fee and the amount of the transaction payment according to the summary result and the resource transfer rule, and the resource transfer router 303 routes the resource transfer service to the corresponding bank to realize the transfer of electronic resources.

[0140] Based on the above data processing system, Figure 10 The following is a flowchart of a data processing method provided by an embodiment of the present application. The specific implementation process of this method is as follows:

[0141] Step S1001: Collect the transaction data of at least one target account where a transaction occurs, and save the collected transaction data of the at least one target account to a storage area;

[0142] Specifically, during implementation, according to multiple preset collection time points for collecting transaction data, after determining that a collection time point arrives, collect the transaction data generated by each account within a preset duration before the collection time point, and determine the data storage location corresponding to the arrived collection time point according to the corresponding relationship between the preset collection time point and the data storage location, and save the transaction data of each account collected to the storage area corresponding to the determined data storage location.

[0143] Step S1002: Obtain the transaction data of at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account; perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain the summary result corresponding to each target account;

[0144] During specific implementation, according to multiple preset summary time points for summarizing transaction data, after determining that a summary time point has arrived, based on the correspondence between the preset summary time point and the data storage location, determine at least one data storage location corresponding to the arrived summary time point; obtain the transaction data of each account collected by the data collection module from the storage areas corresponding to at least one data storage location; determine the summary processing rules corresponding to each target account according to the pre-stored correspondence between the account and the summary processing rules; perform summary processing on the transaction data of each target account according to the summary processing rules corresponding to each target account to obtain the summary result corresponding to each target account.

[0145] Step S1003: Determine the resource transfer rules corresponding to each target account respectively; perform transfer processing on the electronic resources corresponding to each target account according to the summary results and resource transfer rules corresponding to each target account.

[0146] During specific implementation, according to multiple preset transfer time points for resource transfer, after determining that a transfer time point has arrived, determine the resource transfer rules corresponding to each target account according to the pre-stored correspondence between the account and the resource transfer rules; perform transfer processing on the electronic resources corresponding to each target account according to the summary results and resource transfer rules corresponding to each target account.

[0147] It should be noted that the steps of the above data processing method can be executed by an independent physical server, or a cluster or distributed system composed of multiple physical servers in the embodiments of the present application.

[0148] In addition, an electronic device 1100 is provided in the embodiments of the present application. As Figure 11 shown, it includes: at least one processor 1101; and a memory 1102 communicatively connected to the at least one processor; wherein,

[0149] The memory 1102 stores instructions executable by the at least one processor 1101, and the instructions are executed by the at least one processor 1101 so that the at least one processor 1101 can execute the above data processing method.

[0150] After introducing the data processing system and method of the exemplary embodiment of the present application, next, a computing device according to another exemplary embodiment of the present application is introduced.

[0151] Those skilled in the art can understand that various aspects of the present application can be implemented as a system, a method, or a program product. Therefore, various aspects of the present application can be specifically implemented in the following forms, namely: a complete hardware implementation, a complete software implementation (including firmware, microcode, etc.), or an implementation combining hardware and software aspects, which can be collectively referred to herein as "circuitry", "module", or "system".

[0152] In some possible embodiments, the computing device according to the present application may include at least one processing unit and at least one storage unit. Among them, the storage unit stores program code, and when the program code is executed by the processing unit, the processing unit is caused to execute the steps in the data processing methods according to various exemplary embodiments of the present application described above in this specification. For example, the processing unit may execute the process of the data processing method.

[0153] The following refers to Figure 12 to describe the computing device 1200 according to this embodiment of the present application. Figure 12 The shown computing device 1200 is only an example and should not impose any limitations on the functions and usage scope of the embodiments of the present application.

[0154] As Figure 12 shown, the computing device 1200 is presented in the form of a general-purpose computing device. The components of the computing device 1200 may include but are not limited to: the above-mentioned at least one processing unit 1201, the above-mentioned at least one storage unit 1202, and a bus 1203 connecting different system components (including the storage unit 1202 and the processing unit 1201).

[0155] The bus 1203 represents one or more of several types of bus structures, including a memory bus or a memory controller, a peripheral bus, a processor, or a local bus using any of the multiple bus structures.

[0156] The storage unit 1202 may include a readable medium in the form of volatile memory, such as random access memory (RAM) 1221 and / or cache memory 1222, and may further include read-only memory (ROM) 1223.

[0157] The storage unit 1202 may further include a program / utility 1225 having a set (at least one) of program modules 1224. Such program modules 1224 include but are not limited to: an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include the implementation of a network environment.

[0158] The computing device 1200 may also communicate with one or more external devices 1204 (such as a keyboard, a pointing device, etc.), and may also communicate with one or more devices that enable a user to interact with the computing device 1200, and / or communicate with any device (such as a router, a modem, etc.) that enables the computing device 1200 to communicate with one or more other computing devices. Such communication may be carried out through the input / output (I / O) interface 1205. Moreover, the computing device 1200 may also communicate with one or more networks (such as a local area network (LAN), a wide area network (WAN), and / or a public network, such as the Internet) through the network adapter 1206. As shown in the figure, the network adapter 1206 communicates with other modules for the computing device 1200 through the bus 1203. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in combination with the computing device 1200, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0159] An embodiment of the present application also provides a computer-readable storage medium, on which a computer program is stored, and when the program is executed by a processor, the steps of the above data processing method are implemented.

[0160] Those skilled in the art should understand that the embodiments of the present application may be provided as a method, a system, or a computer program product. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0161] The present application is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to the present application. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in one Figure 1 one flow or multiple flows and / or blocks Figure 1 one block or multiple blocks.

[0162] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including an instruction device that implements the functions specified in one or more of the processes and / or blocks Figure 1 one or more of the processes and / or blocks Figure 1 specified in the block or blocks.

[0163] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, whereby the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in one or more of the processes and / or blocks Figure 1 one or more of the processes and / or blocks Figure 1 specified in the block or blocks.

[0164] It will be apparent to those skilled in the art that various modifications and variations can be made to the present application without departing from the spirit and scope of the application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalent technologies, the present application is also intended to include these modifications and variations.

Claims

1. A data processing system, characterized in that, It includes a data acquisition module, a summary processing module, and a resource transfer module; The data acquisition module is used to acquire transaction data of at least one target account where a transaction occurs, and save the acquired transaction data of the at least one target account to a storage area; The summary processing module is used to obtain the transaction data of the at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account, and divide the target accounts corresponding to the same summary processing rule among the at least one target account into a target account group; According to the obtained summary processing rules of each target account group respectively, perform summary processing on the transaction data of the target accounts in the corresponding target account group to obtain a summary result corresponding to each target account; Send the summary results corresponding to the at least one target account to the resource transfer module; The resource transfer module is used to receive the summary results corresponding to the at least one target account sent by the summary processing module, and respectively determine the resource transfer rules corresponding to each target account; according to the summary results and resource transfer rules corresponding to each target account, perform transfer processing on the electronic resources corresponding to each target account; wherein, the resource transfer rule corresponding to each target account has an association relationship with the summary processing rule, and different resource transfer rules correspond to different summary processing rules.

2. The data processing system according to claim 1, wherein The data processing system further includes a task master control module; The task master control module is used to, according to a plurality of preset acquisition time points for data acquisition, after determining that an acquisition time point arrives, send a first scheduling instruction to the data acquisition module; The data acquisition module is specifically used for: receiving the first scheduling instruction, and acquiring the transaction data generated by each account within a preset duration before receiving the first scheduling instruction.

3. The data processing system according to claim 2, wherein The task master control module is specifically used for: according to the corresponding relationship between the preset acquisition time point and the data storage location, determine the data storage location corresponding to the arrived acquisition time point; send the determined data storage location to the data acquisition module through the first scheduling instruction; The data acquisition module is specifically used for: saving the transaction data of each account acquired to the storage area corresponding to the data storage location included in the first scheduling instruction.

4. The data processing system according to claim 2, wherein The task master control module is further used for: according to a plurality of preset time points for data summarization, after determining that a summarization time point arrives, according to the corresponding relationship between the preset summarization time point and the data storage location, determine at least one data storage location corresponding to the arrived summarization time point; send a second scheduling instruction including at least one data storage location to the summary processing module; The summary processing module is specifically used for: receiving the second scheduling instruction, and obtaining the transaction data of each account acquired by the data acquisition module from the storage areas corresponding to the at least one data storage location.

5. The data processing system according to claim 2, wherein The task master control module is further configured to: according to a plurality of transfer time points for resource transfer preset, after determining that a transfer time point arrives, send a third scheduling instruction to the resource transfer module; The resource transfer module is specifically configured to: after receiving the third scheduling instruction, respectively determine the resource transfer rules corresponding to each account, and for the summary results corresponding to each account sent by the summary processing module received, according to the summary results corresponding to each account and the resource transfer rules, respectively perform transfer processing on the electronic resources corresponding to each account.

6. The data processing system according to claim 1, wherein The data acquisition module is specifically configured to: According to a plurality of acquisition time points for transaction data acquisition preset, after determining that an acquisition time point arrives, acquire the transaction data generated by each account within a preset duration before the acquisition time point; According to the corresponding relationship between the preset acquisition time points and the data storage locations, determine the data storage location corresponding to the arrived acquisition time point, and save the transaction data of each account acquired to the storage area corresponding to the determined data storage location.

7. The data processing system according to claim 6, wherein The summary processing module is specifically configured to: According to a plurality of summary time points for transaction data summary preset, after determining that a summary time point arrives, according to the corresponding relationship between the preset summary time points and the data storage locations, determine at least one data storage location corresponding to the arrived summary time point; Obtain the transaction data of each account acquired by the data acquisition module from the storage areas corresponding to the at least one data storage location.

8. The data processing system according to claim 1, wherein The resource transfer module is specifically configured to: According to a plurality of transfer time points for resource transfer preset, after determining that a transfer time point arrives, respectively determine the resource transfer rules corresponding to each account, and according to the summary results corresponding to each account and the resource transfer rules, respectively perform transfer processing on the electronic resources corresponding to each account.

9. The data processing system according to claim 1, wherein The data processing system further includes a rule query module; The summary processing module is specifically configured to: send a first query instruction including the account identifiers of the at least one target account to the rule query module, and receive the summary processing rules corresponding to each target account returned by the rule query module; The rule query module is specifically configured to: receive the first query instruction sent by the summary processing module; according to the corresponding relationship between the accounts and the summary processing rules stored in advance, determine the summary processing rules corresponding to each target account, and return the summary processing rules corresponding to each target account to the summary processing module.

10. The data processing system according to claim 9, wherein The resource transfer module is specifically configured to: send a second query instruction including the account identifiers of the at least one target account to the rule query module, and receive the resource transfer rules corresponding to each target account returned by the rule query module; The rule query module is specifically configured to: receive the second query instruction sent by the resource transfer module, according to the corresponding relationship between the accounts and the resource transfer rules stored in advance, determine the resource transfer rules corresponding to each target account, and return the resource transfer rules corresponding to each target account to the resource transfer module.

11. The data processing system according to claim 9, wherein The rule query module includes a control unit and at least one rule service unit; The control unit is configured to receive a first query instruction sent by the summary processing module, determine the rule service unit corresponding to each target account included in the first query instruction according to the correspondence between the account type and the rule service unit, and send a first notification message for querying the summary processing rule corresponding to the target account to the rule service unit corresponding to each target account; After receiving the summary processing rules corresponding to each target account returned by the rule service unit, return the summary processing rules corresponding to each target account to the summary processing module; The rule service unit is configured to, after receiving the first notification message sent by the control unit, determine the summary processing rule corresponding to the target account included in the first notification message according to the correspondence between the pre-stored account and the summary processing rule, and return the determined summary processing rule corresponding to the target account to the control unit.

12. The data processing system according to claim 10, wherein The rule query module includes a control unit and at least one rule service unit; The control unit is configured to receive a second query instruction sent by the summary processing module, determine the rule service unit corresponding to each target account included in the second query instruction according to the correspondence between the account type and the rule service unit, and send a second notification message for querying the resource transfer rule corresponding to the target account to the rule service unit corresponding to each target account; After receiving the resource transfer rules corresponding to each target account returned by the rule service unit, return the resource transfer rules corresponding to each target account to the resource transfer module; The rule service unit is configured to, after receiving the second notification message sent by the control unit, determine the resource transfer rule corresponding to the target account included in the second notification message according to the correspondence between the pre-stored account and the resource transfer rule, and return the determined resource transfer rule corresponding to the target account to the control unit.

13. The data processing system according to any one of claims 1 to 12, characterized in that, The resource transfer module is specifically configured to: For each target account, determine the resource account to which the electronic resources of the target account need to be transferred and the number of resources transferred to the resource account according to the resource transfer rule corresponding to the target account; transfer the determined number of resources of the electronic resources of the target account to the corresponding resource account.

14. A data processing method, characterized in that, The method includes: Collect the transaction data of at least one target account where a transaction occurs, and save the collected transaction data of the at least one target account to a storage area; Obtain the transaction data of the at least one target account from the storage area, and respectively determine the summary processing rules corresponding to each target account; divide the target accounts corresponding to the same summary processing rule among the at least one target account into a target account group; according to the respective summary processing rules of the obtained target account groups, perform summary processing on the transaction data of the target accounts in the corresponding target account groups to obtain a summary result corresponding to each target account; Determine the resource transfer rules corresponding to each target account respectively; according to the summary results corresponding to each target account and the resource transfer rules, perform transfer processing on the electronic resources corresponding to each target account; wherein, the resource transfer rules corresponding to each target account are associated with the summary processing rules, and different resource transfer rules correspond to different summary processing rules.

15. An electronic device, characterized in that, Including: At least one processor; And A memory communicatively connected to 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 execute the method according to claim 14.

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