Resource processing method and apparatus, computer device, and storage medium

Abstract

The application relates to a resource processing method and device, computer equipment and a storage medium. The method comprises the following steps: obtaining a resource settlement bill to be returned, wherein the resource settlement bill comprises a resource pre-consumption quantity corresponding to a resource pre-consumption account; obtaining a resource return strategy corresponding to the resource pre-consumption account, wherein the resource return strategy is configured according to user operation; determining a resource return verification result of a candidate configured resource return mode according to time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity according to a priority of each candidate configured resource return mode in the resource return strategy; selecting a target configured resource return mode from the candidate configured resource return mode according to the resource return verification result; and performing resource return on the resource settlement bill according to the target configured resource return mode. The method can improve the efficiency of resource processing.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of Internet, in particular to a resource processing method and device, computer equipment and storage medium. BACKGROUND

[0002] With the development of Internet technology, resource transfer is gradually applied to various application scenarios, and more and more resources can be transferred through the Internet. For example, credit card repayment can return the amount of funds used in advance by the user from the user's account to the bank account corresponding to the credit card.

[0003] In the traditional way, the user usually needs to trigger resource transfer each time the payment is made, and the resource transfer operation is relatively cumbersome. When the resource transfer fails, the user needs to manually repeat the cumbersome resource transfer operation several times, which has a high time cost, resulting in low efficiency of resource processing. SUMMARY

[0004] Therefore, it is necessary to provide a resource processing method, device, computer equipment and storage medium capable of improving the efficiency of resource processing to solve the above technical problems.

[0005] A resource processing method, the method comprising:

[0006] obtaining a resource settlement bill to be returned, the resource settlement bill comprising a resource pre-consumption amount corresponding to a resource pre-consumption account;

[0007] obtaining a resource return strategy corresponding to the resource pre-consumption account, the resource return strategy being configured according to user operation;

[0008] According to the priority of each candidate configured resource return mode in the resource return strategy, according to the time configuration information in the candidate configured resource return mode and the resource pre-consumption amount, the resource return verification result of the candidate configured resource return mode is determined;

[0009] According to the resource return verification result, the target configured resource return mode is selected from the candidate configured resource return mode;

[0010] According to the target configured resource return mode, the resource settlement bill is returned.

[0011] A resource processing device, the device comprising:

[0012] a bill obtaining module configured to obtain a resource settlement bill to be returned, the resource settlement bill comprising a resource pre-consumption amount corresponding to a resource pre-consumption account;

[0013] The return strategy obtaining module is configured to obtain a resource return strategy corresponding to the resource pre-consumption account, the resource return strategy being configured according to a user operation;

[0014] The return mode verification module is configured to determine a resource return verification result of each candidate configured resource return mode in the resource return strategy according to time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity according to a priority of each candidate configured resource return mode in the resource return strategy, and select a target configured resource return mode from the candidate configured resource return mode according to the resource return verification result.

[0015] The resource return module is configured to return resources to the resource settlement bill according to the target configured resource return mode.

[0016] In one of the embodiments, the return mode verification module is further configured to determine a resource source in the candidate configured resource return mode, and a resource acquisition duration and a dominated resource quantity corresponding to the resource source, determine a resource return time limit verification result of the candidate configured resource return mode according to time configuration information in the candidate configured resource return mode and the resource acquisition duration, determine a resource return quantity verification result of the candidate configured resource return mode according to the dominated resource quantity and the resource pre-consumption quantity, and determine the resource return verification result of the candidate configured resource return mode according to the resource return time limit verification result and the resource return quantity verification result.

[0017] In one of the embodiments, the return mode verification module is further configured to determine a target resource return quantity of the candidate configured resource return mode according to resource quantity configuration information in the candidate configured resource return mode and the resource pre-consumption quantity, and determine a resource return quantity verification result of the candidate configured resource return mode according to a size relationship between the target resource return quantity and the dominated resource quantity.

[0018] In one of the embodiments, the resource return module is further configured to, when determining that the resource return quantity verification result is that the dominated resource quantity is less than the target resource return quantity, transfer resources of the dominated resource quantity in the target configured resource return mode to a resource receiving account corresponding to the resource settlement bill, and return to the step of determining the resource return verification result of the candidate configured resource return mode according to the time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity according to the priority of each candidate configured resource return mode in the resource return strategy until resources of the target resource return quantity are transferred to the resource receiving account.

[0019] In one of the embodiments, the returning mode verification module is further configured to determine a current resource returning amount according to resource returning staging configuration information in the candidate configured resource returning mode and the resource pre-consumption amount; and determine a target resource returning amount of the candidate configured resource returning mode according to resource proportion in the candidate configured resource returning mode and the current resource returning amount.

[0020] In one of the embodiments, the returning mode verification module is further configured to determine a target resource returning time according to time configuration information in the candidate configured resource returning mode; and determine that a resource returning time limit verification result of the candidate configured resource returning mode is time limit verification passed when it is determined that a resource obtaining time is earlier than the target resource returning time, wherein the resource obtaining time is determined according to the resource obtaining time length and a current time.

[0021] In one of the embodiments, the resource returning module is further configured to determine a resource taking-out time corresponding to the target configured resource returning mode according to the resource obtaining time length and the target resource returning time; and transfer resources from a resource source corresponding to the target configured resource returning mode to a resource receiving account corresponding to the resource settlement bill when it is monitored that the resource taking-out time is arrived.

[0022] In one of the embodiments, the resource returning module is further configured to, when it is determined that the target configured resource returning mode is a resource lending returning mode, acquire a lending user corresponding to the resource lending returning mode; send a resource lending message to the lending user; and transfer resources from a resource account corresponding to the lending user to a resource receiving account corresponding to the resource settlement bill when a lending operation is received for the resource lending message.

[0023] In one of the embodiments, the resource processing apparatus further comprises a time matching module configured to acquire a bill resource returning time corresponding to the resource pre-consumption account in the resource settlement bill; acquire first time configuration information in a first configured resource returning mode with a highest priority according to priorities of each candidate configured resource returning mode in the resource returning strategy; determine a first resource returning time according to the first time configuration information and the bill resource returning time; and monitor a current time, and execute the step of determining a resource returning verification result of each candidate configured resource returning mode in the resource returning strategy according to time configuration information in the candidate configured resource returning mode and the resource pre-consumption amount when the current time matches the first resource returning time.

[0024] A computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0025] Obtaining a resource settlement bill for resources to be returned, the resource settlement bill including a pre-consumed amount of resources corresponding to the resource pre-consumption account;

[0026] Obtaining a resource return policy corresponding to the resource pre-consumption account, where the resource return policy is configured based on user operations;

[0027] Determining a resource return verification result for each candidate configuration resource return method according to the priority of each candidate configuration resource return method in the resource return policy and according to the time configuration information and the pre-consumed amount of resources in the candidate configuration resource return method;

[0028] Selecting a target configuration resource return method from the candidate configuration resource return methods according to the resource return verification result;

[0029] Return resources to the resource settlement bill according to the target configured resource return method.

[0030] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the following steps:

[0031] Obtaining a resource settlement bill for resources to be returned, the resource settlement bill including a pre-consumed amount of resources corresponding to the resource pre-consumption account;

[0032] Obtaining a resource return policy corresponding to the resource pre-consumption account, where the resource return policy is configured based on user operations;

[0033] Determining a resource return verification result for each candidate configuration resource return method according to the priority of each candidate configuration resource return method in the resource return policy and according to the time configuration information and the pre-consumed amount of resources in the candidate configuration resource return method;

[0034] Selecting a target configuration resource return method from the candidate configuration resource return methods according to the resource return verification result;

[0035] Return resources to the resource settlement bill according to the target configured resource return method.

[0036] The resource processing method, apparatus, computer device, and storage medium described above obtain a resource settlement bill for resource return, the resource settlement bill including the resource pre-consumption amount corresponding to the resource pre-consumption account, and obtain a resource return policy corresponding to the resource pre-consumption account. The resource return policy is configured based on user operations, thereby eliminating the need to repeatedly perform resource transfer operations. By determining the resource return verification result of the candidate configuration resource return method according to the priority of each candidate configuration resource return method in the resource return policy and the time configuration information and resource pre-consumption amount in the candidate configuration resource return method, since the resource return policy includes multiple candidate configuration resource return methods, by selecting the target configuration resource return method from the multiple candidate configuration resource return methods, the success rate of resource return can be improved and the number of repeated operations can be reduced. By selecting the target configuration resource return method from the candidate configuration resource return method based on the resource return verification result and returning the resource to the resource settlement bill according to the target configuration resource return method, the user does not need to manually perform a resource transfer operation each time a resource needs to be returned, saving the time cost of resource return and effectively improving the efficiency of resource processing.

[0037] A resource processing method, comprising:

[0038] Display the resource return policy configuration interface corresponding to the resource pre-consumption account;

[0039] In response to a policy configuration operation on the resource return policy configuration interface, determining a resource return policy corresponding to the resource pre-consumption account, the resource return policy including a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods;

[0040] When resources are returned to the resource settlement bill corresponding to the resource pre-consumption account according to the resource return strategy, the resource return result is displayed. The resource return result includes description information of the target configuration resource return method. The target configuration resource return method is the configuration resource return method for returning resources to the resource settlement bill.

[0041] A resource processing device, comprising:

[0042] The configuration interface display module is used to display the resource return policy configuration interface corresponding to the resource pre-consumption account;

[0043] a return policy determination module, configured to determine, in response to a policy configuration operation on the resource return policy configuration interface, a resource return policy corresponding to the resource pre-consumption account, the resource return policy including a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods;

[0044] The return result display module is used to display the resource return result when the resource settlement bill corresponding to the resource pre-consumption account is returned according to the resource return strategy. The resource return result includes description information of the target configuration resource return method. The target configuration resource return method is the configuration resource return method for returning resources to the resource settlement bill.

[0045] In one embodiment, the return policy determination module is also used to respond to the resource return method addition operation on the resource return policy configuration interface, display the resource return method configuration area corresponding to the added candidate configuration resource return method; and respond to the resource source configuration operation on the resource return method configuration area, determine the resource source of the added candidate configuration resource return method.

[0046] A computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0047] Display the resource return policy configuration interface corresponding to the resource pre-consumption account;

[0048] In response to a policy configuration operation on the resource return policy configuration interface, determining a resource return policy corresponding to the resource pre-consumption account, the resource return policy including a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods;

[0049] When resources are returned to the resource settlement bill corresponding to the resource pre-consumption account according to the resource return strategy, the resource return result is displayed. The resource return result includes description information of the target configuration resource return method. The target configuration resource return method is the configuration resource return method for returning resources to the resource settlement bill.

[0050] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the following steps:

[0051] Display the resource return policy configuration interface corresponding to the resource pre-consumption account;

[0052] In response to a policy configuration operation on the resource return policy configuration interface, determining a resource return policy corresponding to the resource pre-consumption account, the resource return policy including a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods;

[0053] When the resource pre-consumption account corresponding resource settlement bill is returned according to the resource return strategy, a resource return result is displayed, and the resource return result includes description information of the target configured resource return mode, and the target configured resource return mode is a configured resource return mode for returning the resource settlement bill.

[0054] The resource processing method, device, computer device and storage medium can display a resource return strategy configuration interface corresponding to the resource pre-consumption account, determine the resource return strategy corresponding to the resource pre-consumption account in response to a strategy configuration operation on the resource return strategy configuration interface, and return resources based on a target configured resource return mode in the resource return strategy by configuring the resource return strategy. The resource return strategy includes a set of configured resource return modes and a priority of each candidate configured resource return mode in the set of configured resource return modes. Therefore, the user does not need to manually perform multiple resource transfer operations repeatedly. When the resource pre-consumption account corresponding resource settlement bill is returned according to the resource return strategy, a resource return result is displayed, and the resource return result includes description information of the target configured resource return mode, and the target configured resource return mode is a configured resource return mode for returning the resource settlement bill. The user does not need to manually perform a resource transfer operation each time the resource needs to be returned, thereby saving the time cost of returning the resource and effectively improving the efficiency of resource processing. BRIEF DESCRIPTION OF DRAWINGS

[0055] Figure 1 An application environment diagram of a resource processing method in an embodiment is shown in FIG. 1;

[0056] Figure 2 A flowchart of a resource processing method in an embodiment is shown in FIG. 2;

[0057] FIG. 3(a) is a schematic diagram of transferring resources through a bank interface in an embodiment;

[0058] FIG. 3(b) is a schematic diagram of transferring resources through a bank interface in another embodiment;

[0059] Figure 4 A schematic diagram of performing resource return verification in an embodiment is shown in FIG. 4;

[0060] Figure 5 A schematic diagram of performing resource return verification in another embodiment is shown in FIG. 5;

[0061] Figure 6 A schematic diagram of performing resource return verification in another embodiment is shown in FIG. 6;

[0062] Figure 7 A flowchart of a resource processing method in an embodiment is shown in FIG. 7;

[0063] Figure 8 This is a schematic diagram of a resource return policy configuration interface in one embodiment;

[0064] Figure 9 This is a schematic diagram of an interface showing resource return results in one embodiment;

[0065] Figure 10 A schematic diagram of an interface for adding a resource return mode configuration area in one embodiment;

[0066] Figure 11 is a structural block diagram of a resource processing system in one embodiment;

[0067] Figure 12 is a timing diagram of resource processing in one embodiment;

[0068] Figure 13 is a structural block diagram of a resource processing device in one embodiment;

[0069] Figure 14 is a structural block diagram of a resource processing device in another embodiment;

[0070] Figure 15 is a diagram of the internal structure of a computer device in one embodiment;

[0071] Figure 16 FIG. 4 is a diagram showing the internal structure of a computer device in another embodiment. DETAILED DESCRIPTION

[0072] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0073] The resource processing method provided in this application can be applied to Figure 1 In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The server 104 obtains the resource settlement bill for the resource to be returned, and the resource settlement bill includes the resource pre-consumption amount corresponding to the resource pre-consumption account. The server 104 obtains the resource return policy corresponding to the resource pre-consumption account, and the resource return policy is configured by the terminal 102 according to the user operation. The server 104 determines the resource return verification result of the candidate configuration resource return method according to the priority of each candidate configuration resource return method in the resource return policy, and according to the time configuration information and resource pre-consumption amount in the candidate configuration resource return method. The server 104 selects the target configuration resource return method from the candidate configuration resource return method according to the resource return verification result, and returns the resources for the resource settlement bill according to the target configuration resource return method.

[0074] The terminal 102 can be a smartphone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc., but is not limited thereto. The server 104 can be a standalone physical server, a server cluster or a distributed system composed of multiple physical servers, a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs, and basic cloud computing services such as big data and artificial intelligence platforms. The terminal 102 and the server 104 can be directly or indirectly connected through wired or wireless communication, which is not limited in the present application.

[0075] In one embodiment, as shown in FIG. 1, a resource processing method is provided. The method is applied to the server 104 in FIG. 1 as an example, and includes the following steps: Figure 2 Figure 1

[0076] Step 202, obtaining a resource settlement bill to be returned, the resource settlement bill including a resource pre-consumption quantity corresponding to a resource pre-consumption account.

[0077] The resource refers to a resource existing in an electronic wallet that can be circulated through the Internet, for example, a resource that can be circulated through the Internet to obtain the ownership of the resource. The resource can specifically include but is not limited to at least one of account value, cryptocurrency, etc. For example, when the resource is specifically currency, it can specifically include types such as US dollars, Chinese yuan, British pounds, etc. The quantity of the resource can be represented in an electronic form. For example, the electronic wallet can be used to store the currency held by the user, and the quantity of the currency held by the user can be displayed in the electronic wallet. The electronic wallet, also known as an electronic stored-value wallet, refers to an Internet payment tool issued by a payment institution such as a third-party payment institution, which is carried by an Internet electronic account, can be recharged through a gold channel, and can be used in at least one of the application scenarios such as consumption, transfer or remittance.

[0078] ​​The resource settlement bill to be returned is a resource settlement bill that needs to be returned for resource settlement. The resource settlement bill refers to a bill for recording resource consumption matters, and can be used to indicate settlement of the resources consumed in advance recorded in the resource settlement bill. The user can use or consume resources in advance, and the resource settlement bill can record the amount of resources used or consumed in advance by the user. The user can settle the resources used or consumed in advance based on the resource settlement bill. For example, a user holding a credit card can use the credit card to make a pre-consumption, and then make a consumption settlement with the bank corresponding to the credit card, return the resources consumed by the pre-consumption to the corresponding bank, and the resource settlement bill can be a credit card bill. In addition to credit cards, other financial debit products can also be used to achieve the consumption mode of "consumption first, payment later". Correspondingly, the resource settlement bill can also be a settlement bill corresponding to other financial debit products, to settle the amount of pre-consumption.

[0079] The resource pre-consumption account refers to a user account that consumes resources in advance. For example, when the user uses a credit card to make a pre-consumption, the resource pre-consumption account can be a credit card account corresponding to the credit card. The resource pre-consumption amount refers to the amount of resources consumed in advance that needs to be settled corresponding to the resource settlement bill. The resource pre-consumption amount that needs to be settled can be the total amount of resources consumed in advance. For example, when the resource settlement bill is a credit card bill, the resource pre-consumption amount can be the sum of the amounts paid in advance using the credit card multiple times, and the multiple times can represent two or more times.

[0080] The server can obtain the resource settlement bill to be returned, and the resource settlement bill includes the resource pre-consumption amount corresponding to the resource pre-consumption account. Specifically, the resource settlement bill can be obtained by the server. For example, the server can obtain the resource settlement bill according to a preset frequency or a preset time, which can be determined according to actual application requirements, for example, the resource settlement bill can be obtained at a fixed time every month. It can also be based on user triggering. For example, when the user needs to obtain the resource settlement bill according to the actual application requirement, the user can perform a resource settlement bill obtaining operation through the terminal corresponding to the user. The terminal can determine the resource pre-consumption account specified by the resource settlement bill obtaining operation in response to the resource settlement bill obtaining operation. The resource pre-consumption account can have a corresponding relationship with the user. The terminal can send a resource settlement bill obtaining request to the server. The server can obtain the resource settlement bill to be returned based on the received resource settlement bill obtaining request.

[0081] The resource settlement bill can also be received by the server. For example, when the resource settlement bill is updated or at a preset time, the resource receiver can send the resource settlement bill corresponding to the resource pre-consumption account to the server. The resource receiver refers to the receiver of the returned resources when the resource settlement bill is returned. For example, the resource settlement bill can be a credit card bill. The server can obtain the credit card bill through the bank interface provided by the bank corresponding to the credit card, or the bank can actively send the credit card bill to the server. The server can return the resource settlement bill according to the resource return strategy configured by the user in advance, without the user manually performing the resource transfer operation, thereby effectively saving the time cost of resource processing and improving the resource processing efficiency. The server can also send the resource settlement bill to the corresponding user terminal to enable the user terminal to display the resource settlement bill, so that the user can understand the bill information included in the resource settlement bill. The bill information of the resource settlement bill can include the resource pre-consumption amount corresponding to the resource pre-consumption account.

[0082] In step 204, the resource return strategy corresponding to the resource pre-consumption account is obtained. The resource return strategy is configured according to the user operation.

[0083] The resource return strategy refers to a strategy for returning resources to the resource settlement bill. The resource return strategy can be pre-configured according to the user operation. For different users, different resource return strategies can be configured according to the individualized and differentiated actual application needs of the user, so as to meet the actual resource return needs of the user, effectively improve the applicability of resource processing, and improve the user experience. After the resource return strategy is configured according to the user operation, the resource settlement bill can be returned according to the resource return strategy, without the user repeatedly performing tedious resource transfer operations, thereby effectively saving the time cost of resource return and improving the resource processing efficiency.

[0084] The resource return strategy can include a set of configured resource return modes for returning resources to the resource settlement bill. The set of configured resource return modes can include a plurality of configured resource return modes. The plurality can refer to two or more. The configured resource return mode refers to a mode configured according to the user operation to return resources. The configured resource return mode can include one or more configured information for returning resources, so as to return resources based on the configured resource return mode. The information included in the configured resource return mode can include but is not limited to at least one of time configuration information, resource source or resource quantity configuration information, and the like.

[0085] In one of the embodiments, after the terminal configures the resource return strategy according to the user operation, the terminal can send the resource return strategy to the server, and the server can store the received resource return strategy in a storage position corresponding to the server, so as to subsequently return the resource according to the resource return strategy. The storage position may, for example, be a database corresponding to the server. The database may, for example, be a local database or a cloud database. The resource return strategy has a corresponding relationship with the resource pre-consumption account, and the server can store the resource return strategy in association with the resource pre-consumption account, so as to enable the server to obtain the corresponding resource return strategy and return the resource of the resource pre-consumption account to the resource settlement bill.

[0086] After the server obtains the resource settlement bill to be returned, the server can determine the resource pre-consumption account corresponding to the resource settlement bill, obtain the resource return strategy corresponding to the resource pre-consumption account, and automatically return the resource of the resource pre-consumption account to the resource settlement bill according to the resource return strategy, thereby effectively improving the efficiency and accuracy of resource return.

[0087] In step 206, according to the priority of each candidate configured resource return mode in the resource return strategy, the time configuration information and the resource pre-consumption quantity in the candidate configured resource return mode are determined to obtain the resource return verification result of the candidate configured resource return mode.

[0088] The candidate configured resource return mode refers to the configured resource return mode that can be selected for resource return in the resource return strategy. After the server obtains the resource return strategy corresponding to the resource pre-consumption account, the server can determine the configured resource return mode included in the resource return strategy as the candidate configured resource return mode. The server can read the priority of each candidate configured resource return mode in the resource return strategy. The priority of each candidate configured resource return mode may, for example, be configured by the user according to the actual application requirements. For example, after the user configures a plurality of configured resource return modes, the user can further configure the priority corresponding to each configured resource return mode to determine the priority relationship between the configured resource return modes.

[0089] The server can verify the candidate configured resource return manners according to the priority of each candidate configured resource return manner in the resource return strategy, and obtain a resource return verification result corresponding to the candidate configured resource return manner. The resource return verification result refers to a verification result obtained by performing resource return verification. The resource return verification can include at least one of resource return time verification or resource return quantity verification on the candidate configured resource return manner. Specifically, the server can start from the candidate configured resource return manner with the highest priority and sequentially verify the candidate configured resource return manners in the descending order of priority. The server can sequentially verify each candidate configured resource return manner in the resource return strategy and obtain the resource return verification result of each candidate configured resource return manner.

[0090] In one of the embodiments, the server can also select a target configured resource return manner according to the resource return verification result after determining the resource return verification result of the candidate configured resource return manner, and return resources according to the target configured resource return manner. When the candidate configured resource return manner is not selected as the target configured resource return manner, or when the resource return is not completed, the next candidate configured resource return manner is verified according to the priority order of each candidate configured resource return manner, and the resource return verification result of the next candidate configured resource return manner is determined.

[0091] The server can determine the resource return verification result of the candidate configured resource return manner according to the time configuration information and the resource pre-consumption quantity in the candidate configured resource return manner. The time configuration information refers to information configured according to a user operation and used to indicate the time of returning resources. The time configuration information can be a specific time, for example, it can be the 5th of each month, or it can be information used to determine the resource return time, for example, it can be 5 working days before the last return day. The last return day can be determined according to the resource settlement bill, and the last return day corresponding to different resource settlement bills can also be different. The time configuration information can correspond to the candidate configured resource return manner. Different candidate configured resource return manners can correspond to the same or different time configuration information. The time configuration information can also correspond to the resource return strategy.

[0092] Specifically, the server can perform at least one of resource return time limit checking or resource return quantity checking on the candidate resource return manner according to the time configuration information and the resource pre-consumption quantity in the candidate resource return manner, and determine a resource return checking result corresponding to the candidate resource return manner through the resource return time limit checking or the resource return quantity checking. The resource return checking result can be used to indicate whether the resource settlement bill can be returned according to the corresponding candidate resource return manner. For example, the resource return checking result can specifically include resource return checking failure or resource return checking success. The resource return checking failure indicates that the resource settlement bill cannot be returned according to the corresponding candidate resource return manner, and the resource return checking success indicates that the resource settlement bill can be returned according to the corresponding candidate resource return manner.

[0093] In one of the embodiments, the resource return checking result can also specifically include partial resource return, full resource return or zero resource return. Among them, the zero resource return can indicate that the resource settlement bill cannot be returned according to the corresponding candidate resource return manner, the partial resource return can indicate that the resource settlement bill can be returned according to the corresponding candidate resource return manner, and the full resource return can indicate that the resource settlement bill can be returned according to the corresponding candidate resource return manner.

[0094] In step 208, a target resource return manner is selected from the candidate resource return manners according to the resource return checking result.

[0095] The target resource return manner refers to a configured resource return manner used for returning the resource settlement bill. The target resource return manner can be one or more of the candidate resource return manners. After the server determines the resource return checking result of the candidate resource return manner, the target resource return manner can be selected from the candidate resource return manners according to the resource return checking result. Specifically, when the resource return checking result includes resource return checking failure or resource return checking success, the server can sequentially select the candidate resource return manner with the resource return checking result of resource return checking success from the candidate resource return manners according to the priority of each candidate resource return manner. The server can determine the selected candidate resource return manner with the resource return checking result of resource return checking success as the target resource return manner.

[0096] When the resource return check result includes partial resource return, full resource return, or zero resource return, the server can obtain the mode selection configuration information corresponding to the candidate configuration resource return mode, select the candidate configuration resource return mode corresponding to the resource return check result of partial resource return or full resource return according to the mode selection configuration information, and determine the selected candidate configuration resource return mode as the target configuration resource return mode. The mode selection configuration information is pre-configured by the user according to actual application requirements, and can be the condition for selecting the corresponding candidate configuration resource return mode, which can be used to determine whether to select the corresponding candidate configuration resource return mode according to the resource return check result.

[0097] For example, the mode selection configuration information corresponding to the candidate configuration resource return mode A is that the resource return check result is partial resource return or full resource return, and the mode selection configuration information corresponding to the candidate configuration resource return mode B is that the resource return check result is full resource return. When the resource return check result is partial resource return, the server selects the candidate configuration resource return mode A as the target configuration resource return mode. When the resource return check result is full resource return, the server can select the candidate configuration resource return mode A or B as the target configuration resource return mode according to the priority.

[0098] Step 210: According to the target configuration resource return mode, the resource settlement bill is returned.

[0099] The server can return the resource settlement bill according to the selected target configuration resource return mode. Specifically, the server can transfer resources to the resource receiving account corresponding to the resource settlement bill according to the target configuration resource return mode, so as to return the resource settlement bill. For example, the target configuration resource return mode is configured with a resource source, and the server can obtain the resource pre-consumption quantity from the resource source and transfer it to the resource receiving account corresponding to the resource settlement bill.

[0100] For example, the resource settlement bill can be a credit card bill, and the server can transfer the resources to the bank account corresponding to the credit card. Specifically, as shown in FIG. 3(a), the server can connect to one or more bank interfaces corresponding to multiple banks, such as bank A interface, bank B interface, bank C interface, or bank D interface, etc. The bank interface can be authorized and provided by the corresponding bank to the server connection. The server can obtain the resource settlement bill corresponding to the resource pre-consumption account through the bank interface, and can also transfer the resources to the corresponding bank account through the bank interface to return the resources to the resource settlement bill. In one embodiment, the server can transfer the resources to the resource receiving account corresponding to the resource settlement bill through a resource transfer party. As shown in FIG. 3(b), for example, the resource transfer party can be UnionPay, and the server can transfer the resources to UnionPay through the UnionPay interface provided by UnionPay, and transfer the resources to the bank corresponding to the credit card bill through UnionPay to return the resources to the credit card bill.

[0101] In this embodiment, by obtaining the resource settlement bill to be returned, the resource settlement bill includes the resource pre-consumption amount corresponding to the resource pre-consumption account, obtaining the resource return strategy corresponding to the resource pre-consumption account, and the resource return strategy is configured according to the user operation, thereby not needing to repeat multiple resource transfer operations. According to the priority of each candidate configured resource return mode in the resource return strategy, the time configuration information in the candidate configured resource return mode, and the resource pre-consumption amount, the resource return verification result of the candidate configured resource return mode is determined. Since the resource return strategy includes multiple candidate configured resource return modes, the success rate of resource return can be improved by selecting the target configured resource return mode from the multiple candidate configured resource return modes, and the number of repeated operations is reduced. By selecting the target configured resource return mode from the candidate configured resource return mode according to the resource return verification result, and returning the resources to the resource settlement bill according to the target configured resource return mode, the user does not need to manually perform the resource transfer operation each time the resources need to be returned, saving the time cost of returning the resources, and effectively improving the efficiency of resource processing.

[0102] In an embodiment, the determining the resource return verification result of the candidate configured resource return manner according to the time configuration information and the resource pre-consumption quantity in the candidate configured resource return manner comprises: determining the resource source in the candidate configured resource return manner, and the resource acquisition duration and the dominated resource quantity corresponding to the resource source; determining the resource return time limit verification result of the candidate configured resource return manner according to the time configuration information and the resource acquisition duration in the candidate configured resource return manner; determining the resource return quantity verification result of the candidate configured resource return manner according to the dominated resource quantity and the resource pre-consumption quantity; and determining the resource return verification result of the candidate configured resource return manner according to the resource return time limit verification result and the resource return quantity verification result.

[0103] The resource source refers to the source configured in the candidate configured resource return manner for acquiring resources. Different configured resource return manners can be configured with resource sources, so that when the candidate configured resource return manner is determined to be the target configured resource return manner, resources are returned from the resource source corresponding to the target configured resource return manner. The resource source can be configured according to actual application requirements, for example, the resource source can specifically include a debit card, a savings card, a financial product, an electronic wallet, or a lending user associated with the resource pre-consumption account. Among them, the resource source associated with the resource pre-consumption account can be used by the resource pre-consumption account. The financial product can be a fund or a stock, etc. The lending user refers to a user who can lend resources, for example, the lending user can be a friend user corresponding to the resource pre-consumption account.

[0104] The resource acquisition duration refers to the length of time required to acquire resources from the resource source. The resource acquisition duration corresponding to different resource sources can be different. The resource acquisition duration can be, for example, a few days or a few hours. The dominated resource quantity refers to the quantity of resources that can be dominated by the resource source. For example, when the resource source is an electronic wallet, the dominated resource quantity can be the balance in the electronic wallet. When the resource source is a financial product, such as a fund, the actual resource quantity of the fund can fluctuate during the redemption process, so the server can determine the dominated resource quantity corresponding to the fund according to a preset proportion. The preset proportion can be determined according to actual application requirements, and the preset proportion can be an upward proportion or a downward proportion, for example, the upward proportion can be 5%, so when the amount corresponding to the fund is 100 yuan, the dominated resource quantity can be determined to be 105. When the user configures the preset proportion to be 0, the actual amount is determined to be the dominated resource quantity, for example, the dominated resource quantity is determined to be 100.

[0105] The server can determine a resource source in the candidate configured resource return manner, and a resource acquisition duration and a dominated resource quantity corresponding to the resource source, and determine a resource return timeliness check result of the candidate configured resource return manner according to time configuration information in the candidate configured resource return manner and the resource acquisition duration. Specifically, the server can perform resource return timeliness check on the candidate configured resource return manner according to the time configuration information and the resource acquisition duration, so as to determine whether the resource return in the candidate configured resource return manner meets a timeliness condition. When the resource return timeliness check result of the candidate configured resource return manner is that the resource return timeliness check is successful, it indicates that the resource return according to the candidate configured resource return manner can meet the timeliness condition. Otherwise, it indicates that the timeliness condition is not met. The timeliness condition refers to returning the resource before a last return time corresponding to the resource settlement bill. In this way, overdue return of the resource can be avoided, and the credit of the resource pre-consumption account can be effectively ensured.

[0106] The server can perform resource return quantity check on the candidate configured resource return manner according to the dominated resource quantity corresponding to the resource source and the resource pre-consumption quantity in the resource settlement bill, and obtain a resource return quantity check result of the candidate configured resource return manner. The resource return quantity check result can be used to indicate whether the resource in the dominated resource quantity can be used to completely return the resource in the resource settlement bill. The server can determine a resource return check result of the candidate configured resource return manner according to the resource return timeliness check result and the resource return quantity check result of the candidate configured resource return manner. For example, when the resource return timeliness check result and the resource return quantity check result are both check successful, it is determined that the resource return check result is check successful. When any one of the resource return timeliness check result and the resource return quantity check result is check failed, it is determined that the resource return check result of the candidate configured resource return manner is check failed.

[0107] In one embodiment, when the resource return timeliness check result is check failed, continuing to return the resource according to the corresponding candidate configured resource return manner may cause the situation of overdue return of the resource. Therefore, when it is determined that the resource return timeliness check result of the candidate configured resource return manner is check failed, the server can directly determine that the resource return check of the candidate configured resource return manner is failed, and continue to perform resource return check on a candidate configured resource return manner with a next priority according to the priority of each candidate configured resource return manner. It is not necessary to perform resource return quantity check on the candidate configured resource return manner with the resource return timeliness check failed, thereby saving the check time of the server and effectively improving the efficiency of determining the resource return check result.

[0108] In the embodiment, the resource source in the candidate configuration resource return manner is determined, and the resource acquisition duration and the number of resources corresponding to the resource source are determined. The resource return time limit check result of the candidate configuration resource return manner is determined according to the time configuration information in the candidate configuration resource return manner and the resource acquisition duration. In this way, overdue resource return can be avoided, and the credit of the resource pre-consumption account can be effectively ensured. The resource return quantity check result of the candidate configuration resource return manner is determined according to the number of resources and the resource pre-consumption quantity. In this way, it can be checked that the number of resources can return resources to the resource settlement account, and resource return failure can be avoided, thereby saving the interaction cost of the server for resource return. The resource return check result of the candidate configuration resource return manner is determined according to the resource return time limit check result and the resource return quantity check result. The resource return check is performed on one or more candidate configuration resource return manners in the resource return strategy. In this way, the target configuration resource return manner can be automatically selected from the candidate configuration resource return manner for resource return, without manual operation of the user, thereby effectively saving the time cost, and improving the success rate and efficiency of resource return.

[0109] In one embodiment, the above-mentioned determination of the resource return quantity check result of the candidate configuration resource return manner according to the number of resources and the resource pre-consumption quantity includes: determining the target resource return quantity of the candidate configuration resource return manner according to the resource quantity configuration information in the candidate configuration resource return manner and the resource pre-consumption quantity; and determining the resource return quantity check result of the candidate configuration resource return manner according to the size relationship between the target resource return quantity and the number of resources.

[0110] The target resource return quantity refers to the quantity of resources to be returned for resource return of the resource settlement bill. The target resource return quantity can be determined according to the resource quantity configuration information and the resource pre-consumption quantity. Specifically, the server can determine the resource quantity configuration information in the candidate configuration resource return mode. The resource quantity configuration information is configured according to the actual application demand of the user, and can be used to indicate the information of the quantity of resources to be returned. The resource quantity configuration information can be a specific quantity. For example, it can be 5000 yuan, that is, a specified quantity of resources is returned each time. The resource quantity configuration information can also be information used to determine the target resource return quantity, such as a resource return quantity ratio, a minimum resource return quantity, or a maximum resource return quantity. Among them, the resource return quantity ratio can be used to indicate the proportion of the target resource return quantity in the total resource pre-consumption quantity. For example, it can be configured as 50%, that is, the target resource return quantity is 50% of the resource pre-consumption quantity. When the resource pre-consumption quantity of the resource settlement bill is 1000 yuan, the target resource return quantity can be determined as 500 yuan. When the resource quantity configuration information is the maximum resource return quantity, the target resource return quantity can be determined to be consistent with the resource pre-consumption quantity. The resource quantity configuration information of each candidate configuration resource return mode can be the same or different. For example, the resource return quantity ratios of two candidate configuration resource return modes can be 70% and 30%, respectively.

[0111] In one of the embodiments, the candidate configuration resource return mode can be a installment return mode, and the candidate configuration resource return mode can be configured with resource return installment configuration information. The installment return mode can be determined by the user when configuring the resource return strategy. The resource return installment configuration information refers to pre-configured information used to indicate installment return of the resource pre-consumption quantity to be returned. For example, the resource return installment configuration information can include the installment period number pre-configured by the user according to the actual application demand. The installment period number refers to the period number of installment return of the resource settlement bill. For example, the installment period number can be 3 periods, 6 periods, 12 periods, or 24 periods, etc. The installment period number can be specified by the user according to the actual application demand, for example, the installment period number can be determined as 6 periods. It can also be determined according to the resource pre-consumption quantity, for example, the installment period number can have a positive correlation with the resource pre-consumption quantity, and the installment period number can increase with the increase of the resource pre-consumption quantity.

[0112] The server can determine the current period resource return quantity according to the resource return staging configuration information in the candidate configured resource return manner and the resource pre-consumption quantity. The current period resource return quantity refers to the resource quantity to be returned in the current period. Specifically, the server can split the resource pre-consumption quantity according to the resource return staging configuration information, and split the resource pre-consumption quantity into the resource return quantity corresponding to multiple periods. For example, the way of splitting the resource pre-consumption quantity can be to split it into multiple equal resource quantities corresponding to the period number. The server can determine the split resource return quantity as the current period resource return quantity according to the candidate configured resource return manner, or determine the current period resource return quantity as 0.

[0113] The server can obtain the resource proportion in the candidate configured resource return manner. The resource proportion can be a resource return quantity proportion, which can be used to represent the proportion of the target resource return quantity in the total resource pre-consumption quantity. The resource proportion can be determined when the candidate configured resource return manner is configured. The server can operate the resource proportion and the current period resource return quantity to determine the target resource return quantity of the candidate configured resource return manner according to the resource proportion and the current period resource return quantity. The operation of the resource proportion and the current period resource return quantity can be a product operation, and the quantity obtained by the product operation can be determined as the target resource return quantity of the candidate configured resource return manner.

[0114] After determining the target resource return quantity, the server can perform resource return quantity checking on the target resource return quantity and the dominated resource quantity to check the size relationship between the target resource return quantity and the dominated resource quantity. The server can determine the resource return quantity checking result of the candidate configured resource return manner according to the size relationship between the target resource return quantity and the dominated resource quantity. The resource return quantity checking result of the candidate configured resource return manner can be that the dominated resource quantity is less than the target resource return quantity, or the dominated resource quantity is greater than or equal to the target resource return quantity.

[0115] In one embodiment, when the dominated resource quantity is less than the target resource return quantity, the server can determine that the resource return quantity checking of the candidate configured resource return manner fails, and determine the resource return quantity checking result of the next candidate configured resource return manner according to the priority of each candidate configured resource return manner in the resource return strategy. When the dominated resource quantity is greater than or equal to the target resource return quantity, it can be determined that the resource return quantity checking of the candidate configured resource return manner succeeds, and the server can select the candidate configured resource return manner with successful resource return quantity checking as the target configured resource return manner, and return the resource of the target resource return quantity according to the target configured resource return manner.

[0116] As Figure 4As shown, the resource return strategy includes a plurality of candidate configuration resource return manners P, which can be represented as P0, P1, P2,..., PX respectively. The server can perform resource return verification on the candidate configuration resource return manners in descending order of priority. When the resource return time limit verification succeeds, the server determines the resource return quantity verification result of the candidate configuration resource return manner. When the resource return time limit verification fails, the server can continue to perform resource return time limit verification on the next priority candidate resource return time limit. When the resource return quantity verification of the candidate configuration resource return manner succeeds, the server can select the target configuration resource return manner for resource return. Otherwise, the server continues to perform resource return time limit verification on the next priority candidate resource return time limit. Since the dominated resource quantity of the target configuration resource return manner is greater than or equal to the target resource return quantity, the server can successfully return resources to settle the bill, thereby effectively improving the success rate of resource return.

[0117] In one embodiment, the server performs resource return quantity verification on the candidate configuration resource return manner. The determined resource return quantity verification result can be that the dominated resource quantity is less than the target resource return quantity, or that the dominated resource quantity is greater than or equal to the target resource return quantity. When the server returns resources to settle the bill according to the selected target configuration resource return manner, the server can perform resource return based on the resource return quantity verification result of the target configuration resource return manner. Specifically, when the resource return quantity verification result of the target configuration resource return manner is that the dominated resource quantity is greater than or equal to the target resource return quantity, the server can determine that the target configuration resource return manner can perform full resource return. The server can return resources of the target resource return quantity according to the target configuration resource return manner.

[0118] When the resource return quantity verification result is determined to be that the dominated resource quantity is less than the target resource return quantity, it can be determined that the target configuration resource return manner can perform partial resource return. The server can obtain resources of the dominated resource quantity from the corresponding resource source according to the target configuration resource return manner, and transfer the resources of the dominated resource quantity to the resource receiving account corresponding to the resource settlement bill. The resource receiving account refers to an account that receives returned resources. For example, when the resource settlement bill is a credit card bill, the resource receiving account can be a bank account of the bank corresponding to the credit card. Since the dominated resource quantity is less than the target resource return quantity, the resources of the dominated resource quantity are insufficient to completely return resources to settle the bill. Therefore, as shown in FIG. 4, the server can return resources of the dominated resource quantity to settle the bill, and the remaining resource return quantity can be returned in the next period. Figure 5As shown, after the server transfers the resources of the dominated resource quantity to the resource receiving account, the server can return to the step of determining the resource return check result of each candidate configured resource return mode in the resource return strategy according to the time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity, continue to perform resource return check on the candidate configured resource return mode, and select the target configured resource return mode according to the resource return check result to perform resource return until the target resource return quantity of resources is transferred to the resource receiving account. For example, when the target configured resource return mode is a savings card return, and the balance in the savings card is less than the target resource return quantity, the server can transfer the balance in the savings card to the resource receiving account, and continue to perform resource return check on the candidate configured resource return mode of the next priority. Even if the dominated resource quantity is less than the target resource return quantity, partial resource return can be performed on the resource settlement bill, and the user does not need to repeatedly obtain resources from different resource sources for resource return multiple times, thereby effectively improving the efficiency of resource return.

[0119] In one embodiment, as shown in Figure 6 The user can configure each candidate configured resource return mode according to actual application requirements, and for different candidate configured resource return modes, a corresponding return mode can be configured. The candidate configured resource return mode can only be able to perform full resource return, or can be able to perform full resource return and partial resource return. For example, as shown in Figure 6 The resource return strategy includes four candidate configured resource return modes, of which the candidate configured resource return modes P0 and P2 can perform full resource return and partial resource return. The candidate configured resource return modes P1 and P3 can only perform full resource return.

[0120] In this embodiment, by determining the target resource return quantity of the candidate configured resource return mode according to the resource quantity configuration information and the resource pre-consumption quantity in the candidate configured resource return mode, and determining the resource return quantity check result of the candidate configured resource return mode according to the size relationship between the target resource return quantity and the dominated resource quantity, whether the target resource return quantity can be returned according to the candidate configured resource return mode is checked, so as to accurately select the target configured resource return mode from the candidate configured resource return mode, improve the success rate of resource return according to the target configured resource return mode, and reduce the repeated return times caused by resource return failure, thereby effectively improving the efficiency of resource return.

[0121] In an embodiment, the determining the resource return time limit check result of the candidate resource return manner according to the time configuration information in the candidate resource return manner and the resource acquisition time length includes: determining a target resource return time according to the time configuration information in the candidate resource return manner; when determining that the resource acquisition time is earlier than the target resource return time, determining that the resource return time limit check result of the candidate resource return manner is a time limit check pass; wherein the resource acquisition time is determined according to the resource acquisition time length and the current time.

[0122] The server can determine the resource return time limit check result of the candidate resource return manner according to the time configuration information in the candidate resource return manner and the resource acquisition time length. Specifically, the server can determine a target resource return time according to the time configuration information in the candidate resource return manner, and the target resource return time refers to the time at which the resource needs to be returned for the resource settlement bill according to the candidate resource return manner. The target resource return time of each candidate resource return manner can be the same or different, and the target resource return time should be earlier than the latest return time corresponding to the resource settlement bill, so as to avoid overdue return of resources and effectively guarantee the credit of the resource pre-consumption account. The time configuration information can be a specific time, for example, it can be specifically 5th of each month, or information used to determine the resource return time, for example, it can be specifically the latest return time, 5 working days before the latest return time, or the billing time of the resource settlement bill, etc.

[0123] The server can perform resource return time limit check on the candidate resource return manner according to the resource acquisition time and the target resource return time, and determine the resource return time limit check result of the candidate resource return manner. The resource acquisition time refers to the time at which the resource for returning the resource settlement bill is acquired, and the resource acquisition time can be determined according to the resource acquisition time length and the current time. The server can determine the time obtained by delaying the current time by the resource acquisition time length as the resource acquisition time. For example, the current time is January 1st, and the resource acquisition time length of the candidate resource return manner is 1 natural day, then the resource acquisition time can be determined as January 2nd. For another example, assuming that the current time is Friday and the resource acquisition time length is 1 working day, then the resource acquisition time can be determined as the next Tuesday.

[0124] The server can determine the resource return time limit check result of the candidate configured resource return mode according to the early or late relationship between the resource acquisition time and the target resource return time. Specifically, when it is determined that the resource acquisition time is earlier than the target resource return time, the server can determine that the resource return time limit check result of the candidate configured resource return mode is time limit check passed. Conversely, when it is determined that the resource acquisition time is later than the target resource return time, the server can determine that the resource return time limit check result of the candidate configured resource return mode is time limit check failed. When the time limit check fails, it indicates that the time of acquiring the resource by using the corresponding candidate configured resource return mode is later than the target resource return time, and there may be an overdue return problem, which affects the credit of the resource pre-consumption account.

[0125] In the embodiment, the target resource return time is determined according to the time configuration information in the candidate configured resource return mode, and when it is determined that the resource acquisition time is earlier than the target resource return time, it is determined that the resource return time limit check result of the candidate configured resource return mode is time limit check passed. Since the resource acquisition time is determined according to the resource acquisition time length and the current time, it can be checked whether the resource for return can be acquired according to the corresponding candidate configured resource return mode before the target resource return time, so as to avoid overdue return of the resource and ensure the credit of the resource pre-consumption account, thereby improving the success rate of resource return.

[0126] In one embodiment, the above-mentioned resource settlement bill is returned according to the target configured resource return mode, which includes: determining the resource taking-out time corresponding to the target configured resource return mode according to the resource acquisition time length and the target resource return time; and when it is monitored that the resource taking-out time is reached, transferring the resource from the resource source corresponding to the target configured resource return mode to the resource receiving account corresponding to the resource settlement bill.

[0127] The resource taking-out time refers to the time of triggering the taking-out of the resource according to the corresponding target configured resource return mode. For some resource sources of the target configured resource return mode, the time length required for taking out the resource is relatively long, and therefore the corresponding resource needs to be triggered to be taken out at the resource taking-out time, so as to avoid overdue return of the resource. For example, when the resource source of the target configured resource return mode is a financial product such as a fund or a stock, the server needs to redeem the fund or sell the stock to obtain the resource for returning the resource settlement bill, and the resource taking-out time can be the time of triggering the redemption of the fund or the sale of the stock.

[0128] The server can monitor the current time, and when it is monitored that the current time reaches the resource taking-out time, the resource is taken out from the resource source corresponding to the target configured resource return mode and is transferred to the resource receiving account corresponding to the resource settlement bill.

[0129] In one of the embodiments, when the resource source corresponding to the target configured resource return manner does not need to take out the resource, for example, the resource source is a deposit card, the server can directly transfer the resource from the deposit card to the resource receiving account according to the authorization permission when the user configures the resource return strategy.

[0130] In one of the embodiments, when the resource acquisition time length corresponding to the target configured resource return manner is less than a preset time length threshold, the resource taking-out time can be close to the target resource return time. The preset time length threshold can be a time length threshold set in advance according to actual application requirements. For example, when the resource source corresponding to the target configured resource return manner is an electronic wallet, the server can determine the target resource return time as the resource taking-out time, directly transfer the resource from the electronic wallet to the resource receiving account corresponding to the resource settlement bill, so as to return the resource to the resource settlement bill.

[0131] In the embodiment, by determining the resource taking-out time corresponding to the target configured resource return manner according to the resource acquisition time length and the target resource return time, when it is monitored that the resource taking-out time is reached, the resource is transferred from the resource source corresponding to the target configured resource return manner to the resource receiving account corresponding to the resource settlement bill, thereby avoiding the user forgetting to return the resource and over-due return of the resource, saving the time cost of resource return, and effectively improving the resource processing efficiency.

[0132] In one of the embodiments, the above-mentioned returning the resource to the resource settlement bill according to the target configured resource return manner includes: when it is determined that the target configured resource return manner is a resource lending return manner, acquiring a lending user corresponding to the resource lending return manner; sending a resource lending message to the lending user, and when a lending operation is received for the resource lending message, transferring the resource from the resource account corresponding to the lending user to the resource receiving account corresponding to the resource settlement bill.

[0133] The server can return the resource to the resource settlement bill according to the selected target configured resource return manner. Specifically, when it is determined that the target configured resource return manner is a resource lending return manner, the server can acquire a lending user corresponding to the resource lending return manner. The resource lending return manner refers to a manner of returning the resource to the resource settlement bill through lending, and the lending user refers to a user of the lent resource. The lending user can be determined when the resource lending return manner is configured. For example, during the process of configuring the resource return strategy, when it is determined that the candidate configured resource return manner is the resource lending return manner, one or more associated users corresponding to the resource pre-consumption account can be selected as the lending user.

[0134] The server can send a resource lending message to the lending user based on the resource settlement bill and the target configured resource return manner. The resource lending message can be a message for lending resources to the lending user, and is used to prompt the lending user to lend resources. The resource lending message can include one or more types of information, such as at least one of a resource pre-consumption account, a target resource return amount, or a target resource return time. After the lending terminal corresponding to the lending user receives the resource lending message sent by the server, the resource lending message can be displayed to prompt the lending user to lend resources.

[0135] When a lending operation for the resource lending message is received, the server can transfer resources from the resource account corresponding to the lending user to the resource receiving user corresponding to the resource settlement bill. The lending operation can be specifically a confirmation operation on the resource lending message, for example, the lending operation can be specifically a click operation on the confirmation control displayed by the lending terminal for the resource lending message. The resource quantity of the resources transferred by the server from the resource account corresponding to the lending user corresponds to the target resource return amount of the target configured resource return manner.

[0136] In one embodiment, when a lending operation for the resource lending message is not received, the server can determine that the resource return according to the resource lending return manner fails, and the server can continue to perform resource return verification on a candidate configured resource return manner with a next priority, or perform resource return according to a next target configured resource return manner. The lending operation for the resource lending message is not received, which can be specifically that the lending operation for the resource lending message is not received after a preset waiting time, and the preset waiting time can be determined according to actual application requirements, for example, specifically ten minutes. It can also be that a refusal operation for the resource lending message is received, for example, specifically a click operation on the refusal control displayed for the resource lending message.

[0137] In this embodiment, when it is determined that the target configured resource return manner is the resource lending return manner, the lending user corresponding to the resource lending return manner is obtained, the resource lending message is sent to the lending user, and when a lending operation for the resource lending message is received, resources are transferred from the resource account corresponding to the lending user to the resource receiving account corresponding to the resource settlement bill. Therefore, the user corresponding to the resource pre-consumption account does not need to manually lend resources to the lending user. After configuring the resource return strategy, the resource settlement bill can be returned according to the resource lending return manner without user awareness, reducing the manual operation of the user, saving the time cost of resource return, and effectively improving the resource processing efficiency.

[0138] In an embodiment, the method further comprises: obtaining a billing resource return time corresponding to the resource pre-consumption account in the resource settlement bill; obtaining first time configuration information in a first configuration resource return mode with the highest priority according to the priority of each candidate configuration resource return mode in the resource return strategy; determining a first resource return time according to the first time configuration information and the billing resource return time; and monitoring a current time, and when the current time matches the first resource return time, performing the step of determining the resource return verification result of the candidate configuration resource return mode according to the time configuration information in the candidate configuration resource return mode and the resource pre-consumption quantity according to the priority of each candidate configuration resource return mode in the resource return strategy.

[0139] Before determining the resource return verification result of the candidate configuration resource return mode according to the time configuration information in the candidate configuration resource return mode and the resource pre-consumption quantity according to the priority of each candidate configuration resource return mode in the resource return strategy, the server can further obtain a billing resource return time corresponding to the resource pre-consumption account in the resource settlement bill. The billing resource return time can be recorded in the resource settlement bill, and the billing resource return time refers to the time when the resource settlement bill needs to be returned. The billing resource return time can be the latest resource return time for returning the resource settlement bill.

[0140] The first configuration resource return mode refers to the configuration resource return mode with the highest priority among the candidate configuration resource return modes. The first time configuration information refers to the time configuration information corresponding to the first configuration resource return mode. The server can determine the configuration resource return mode with the highest priority as the first configuration resource return mode according to the priority of each candidate configuration resource return mode in the resource return strategy, and obtain the first time configuration information in the first configuration resource return mode.

[0141] The server can determine the first resource return time according to the first time configuration information and the billing resource return time. The first resource return time refers to the resource return time corresponding to the first configuration resource return mode with the highest priority, and the server can determine the first resource return time as the trigger time for verifying the resource return of the candidate configuration resource return mode. When the first resource return time is reached, the verification of the candidate configuration resource return mode in the resource return strategy can be triggered.

[0142] After obtaining the resource settlement bill to be returned, according to the bill resource return time in the resource settlement bill and the first time configuration information in the first configuration resource return mode in the resource return strategy, the server can monitor the current time. When the current time matches the first resource return time, the candidate configuration resource return mode in the resource return strategy can be triggered to perform resource return verification. The server can execute the step of determining the resource return verification result of the candidate configuration resource return mode according to the time configuration information and the resource pre-consumption quantity in the candidate configuration resource return mode according to the priority of each candidate configuration resource return mode in the resource return strategy. When the current time does not match the first resource return time, the server can continue to monitor the current time until the current time matches the first resource return time.

[0143] In the embodiment, by obtaining the bill resource return time corresponding to the resource pre-consumption account in the resource settlement bill, according to the priority of each candidate configuration resource return mode in the resource return strategy, the first time configuration information in the first configuration resource return mode with the highest priority is obtained, and the first resource return time is determined according to the first time configuration information and the bill resource return time. By monitoring the current time, when the current time matches the first resource return time, the step of determining the resource return verification result of the candidate configuration resource return mode according to the time configuration information and the resource pre-consumption quantity in the candidate configuration resource return mode according to the priority of each candidate configuration resource return mode in the resource return strategy is executed, thereby triggering the resource return verification of the candidate configuration resource return mode in the resource return strategy. After the user completes the configuration of the resource return strategy, the user does not need to manually repeat the resource return operation, and by monitoring whether the current time matches the first resource return time, the resource return verification of the candidate configuration resource return mode is automatically triggered, the user does not need to manually trigger the resource return, the overdue resource return due to the user forgetting to return is avoided, the time cost of resource return is saved, and the resource processing efficiency is effectively improved.

[0144] The application also provides an application scenario applying the above resource processing method. Specifically, the resource processing method is applied in the application scenario as follows:

[0145] The resource settlement bill can be a credit card bill. The server can perform credit card repayment for the credit card bill to be repaid according to a repayment strategy pre-configured by the user. The repayment strategy can be pre-configured by the user and include a plurality of repayment methods and priorities of the plurality of repayment methods. After the user configures a repayment strategy once, the server can perform credit card repayment according to the repayment strategy, without the user repeating credit card repayment operations every month, thereby saving time costs of credit card repayment and improving efficiency of credit card repayment. Specifically, the server can obtain a credit card bill to be repaid, which includes an amount of money consumed by the user. The server can obtain a repayment strategy pre-configured by the user, perform repayment verification including time verification and quantity verification on the repayment methods according to priorities of the plurality of repayment methods in the repayment strategy and the amount of money consumed and time information configured in the repayment methods, to determine whether the corresponding repayment method can perform credit card repayment on the credit card bill. The server can select a target repayment method from the plurality of repayment methods according to the verification result, transfer money from a currency source corresponding to the target repayment method to a bank account corresponding to the credit card, and automatically complete credit card repayment for the credit card bill. The server can also return the repayment result to the terminal to enable the terminal to display the repayment result. The repayment result can include description information of the target repayment method, so that the user can understand the credit card repayment for the credit card bill based on the target repayment method.

[0146] In one embodiment, as shown in Figure 7 , a resource processing method is provided. The method is applied to the terminal 102 in Figure 1 for example, and includes the following steps:

[0147] Step 702, a resource return strategy configuration interface corresponding to a resource pre-consumption account is displayed.

[0148] The resource pre-consumption account refers to a user account that pre-consumes resources. For example, when the user pre-consumes resources by using a credit card, the resource pre-consumption account can be a credit card account corresponding to the credit card. The resource return strategy configuration interface refers to an interface for configuring a resource return strategy. The terminal can display the resource return strategy configuration interface corresponding to the resource pre-consumption account, so as to configure the resource return strategy corresponding to the resource pre-consumption account through the resource return strategy configuration interface. For example, the terminal can determine the resource pre-consumption account to which the resource return strategy is to be configured, which can be determined by the terminal according to input operations or selection operations of the user. The terminal can display the resource return strategy configuration interface corresponding to the determined resource pre-consumption account. The terminal can also determine the resource pre-consumption account to which the resource return strategy is to be configured through the displayed resource return strategy configuration interface.

[0149] At step 704, in response to the policy configuration operation on the resource return policy configuration interface, the resource return policy corresponding to the resource pre-consumption account is determined, and the resource return policy includes a set of configured resource return manners and priorities of each candidate configured resource return manner in the set of configured resource return manners.

[0150] The terminal can determine the resource return policy corresponding to the resource pre-consumption account in response to the policy configuration operation on the resource return policy configuration interface. The resource return policy includes a set of configured resource return manners and priorities of each candidate configured resource return manner in the set of configured resource return manners. The set of configured resource return manners includes two or more candidate configured resource return manners, and the candidate configured resource return manner refers to a manner of returning resources configured according to a user operation. The candidate configured resource return manner can include at least one information for returning resources, for example, but not limited to, at least one of time configuration information, resource source or resource quantity configuration information, and the like.

[0151] The resource return policy further includes priorities of each candidate configured resource return manner, and the priority can be configured by a user according to actual application requirements. For different users, the same or different priorities can be configured for different candidate configured resource return manners to meet the differentiated and personalized resource return requirements of different users. The policy configuration operation refers to an operation of configuring the resource return policy, which can be used to configure each candidate configured resource return manner in the set of configured resource return manners included in the resource return policy and the priority of each candidate configured resource return manner.

[0152] The terminal can receive the policy configuration operation of the user on the resource return policy configuration interface, and obtain the resource return policy corresponding to the resource pre-consumption account in response to each candidate configured resource return manner and the priority of each candidate configured resource return manner configured by the policy configuration operation.

[0153] In one embodiment, the terminal can send the resource return policy corresponding to the resource pre-consumption account to the server, so that the server stores the resource return policy in association with the resource pre-consumption account, and returns resources to the resource settlement bill corresponding to the resource pre-consumption account according to the resource return policy.

[0154] At step 706, when the resource return policy is used to return resources to the resource settlement bill corresponding to the resource pre-consumption account, a resource return result is displayed, and the resource return result includes description information of a target configured resource return manner, and the target configured resource return manner is a configured resource return manner used to return resources to the resource settlement bill.

[0155] When the resource pre-consumption account corresponding resource settlement bill is returned according to the resource return strategy, the terminal can display the resource return result obtained by the resource return. Among them, the resource return result can be sent to the terminal by the server after the resource return, and the resource return result includes the description information of the target configuration resource return mode. The target configuration resource return mode refers to the configuration resource return mode in the configuration resource return mode set for the resource return of the resource settlement bill. The target configuration resource return mode can be one or more configuration resource return modes in the configuration resource return mode set. Multiple refers to two or more. The description information of the target configuration resource return mode refers to the information used to describe the target configuration resource return mode. The description information can specifically include but is not limited to at least one of the configuration resource return mode number, the configuration resource return mode name or the configuration resource return mode image corresponding to the target configuration resource return mode. The description information of the target configuration resource return mode can be personalized configured by the user, or it can be a unified default.

[0156] As shown in Figure 8 , Figure 8 is an interface diagram of a resource return strategy configuration interface in an embodiment. In Figure 8 the resource return strategy configuration interface shown, one or more configuration resource return mode corresponding configuration resource return mode configuration area can be included, for example, two configuration resource return mode configuration areas are shown in Figure 8 . The user can configure the configuration resource return mode in the configuration resource return mode configuration area through the strategy configuration operation, for example, the time configuration information, the resource source or the resource quantity configuration information corresponding to the configuration resource return mode can be set, and the priority corresponding to the configuration resource return mode can be configured. In Figure 8 , the description information corresponding to the two configuration resource return mode configuration areas can be set as configuration resource return mode 1 and configuration resource return mode 2 by default. The resource return strategy configuration interface 8 can also include a return control 806 and a confirmation control 808. When the terminal receives the trigger operation of the confirmation control 808, the terminal can send the configured resource return strategy to the corresponding server.

[0157] As shown in Figure 9 , Figure 9Fig. 1 is a schematic view of an interface for displaying resource return results in an embodiment. The terminal can display resource return results including description information of the target configured resource return manner. For example, when the server returns resources according to the resource settlement bill based on the configured resource return manner 1, the terminal can display the description information corresponding to the configured resource return manner 1, such as "the return manner is the configured resource return manner 1", so as to help the user obtain the resource return results and the target configured resource return manner for returning resources of the resource settlement bill.

[0158] In the embodiment, by displaying the resource return policy configuration interface corresponding to the resource pre-consumption account, the resource return policy corresponding to the resource pre-consumption account is determined in response to the policy configuration operation on the resource return policy configuration interface. Since the resource return policy includes a set of configured resource return manners and the priority of each candidate configured resource return manner in the set of configured resource return manners, the resource return can be performed based on the target configured resource return manner in the resource return policy by configuring the resource return policy, without the user repeatedly manually performing multiple resource transfer operations. When the resource settlement bill corresponding to the resource pre-consumption account is returned according to the resource return policy, the resource return results are displayed, and the resource return results include the description information of the target configured resource return manner, which is the configured resource return manner for returning resources of the resource settlement bill. The user does not need to manually perform the resource transfer operation each time the resource needs to be returned, saving the time cost of resource return and effectively improving the efficiency of resource processing.

[0159] In an embodiment, the above-mentioned determining the resource return policy corresponding to the resource pre-consumption account in response to the policy configuration operation on the resource return policy configuration interface includes: in response to a resource return manner adding operation on the resource return policy configuration interface, displaying a resource return manner configuration area corresponding to the added candidate configured resource return manner; and in response to a resource source configuration operation on the resource return manner configuration area, determining the resource source of the added candidate configured resource return manner.

[0160] The terminal can receive a resource return manner adding operation on the resource return policy configuration interface. The resource return manner adding operation can be an operation for indicating adding a resource return manner. For example, the resource return policy configuration interface can include a resource return manner adding control. When a triggering operation on the resource return manner adding control is received, it is determined that the resource return manner adding operation is received. The terminal can display a resource return manner configuration area corresponding to the added candidate configured resource return manner in response to the received resource return manner adding operation. The resource return manner configuration area refers to an area in the interface for configuring a candidate resource return manner.

[0161] As Figure 10As shown, Figure 10 Fig. 10 is a schematic diagram of an interface for adding a resource return manner configuration region according to an embodiment. The resource return policy configuration interface 1002 is before adding the resource return manner configuration region, and the resource return policy configuration interface 1004 is after adding the resource return manner configuration region. The resource return policy configuration interface 1002 can include a resource return manner configuration region 10022, and a resource return manner adding control 10024. When the terminal receives a triggering operation on the resource return manner adding control 10024, the terminal can add a resource return manner configuration region 10042 in the resource return policy configuration interface, and obtain the resource return policy configuration interface 1004 including the resource return manner configuration region 10022 and the added resource return manner configuration region 10042. The resource return policy configuration interface 1004 can also include a resource return manner adding control 10044, so as to continue adding the resource return manner configuration region.

[0162] The terminal can determine the resource source of the added candidate configured resource return manner in response to a resource source configuration operation on the resource return manner configuration region. The resource source configuration operation refers to an operation of configuring the resource source of the candidate configured resource return manner, and the resource source configuration operation can be an input operation or a selection operation. For example, the terminal can display two or more candidate resource sources, and the terminal can determine the candidate resource source specified by the resource source configuration operation as the resource source of the added candidate configured resource return manner in response to the resource source configuration operation on the resource return manner configuration region. In an embodiment, the terminal can also obtain the added candidate configured resource return manner in response to a configuration operation on other information of the resource return manner configuration region.

[0163] In this embodiment, the resource return manner configuration region corresponding to the added candidate configured resource return manner is displayed in response to the resource return manner adding operation on the resource return policy configuration interface, so as to configure the resource return policy including multiple candidate configured resource return manners. The resource source of the added candidate configured resource return manner is determined in response to the resource source configuration operation on the resource return manner configuration region, so as to return resources to the resource settlement bill according to the resource sources of the multiple candidate configured resource return manners, effectively improving the success rate and efficiency of resource return.

[0164] It should be understood that, although Figure 2 and 7The steps in the flowchart are shown in sequence according to the arrows, but the steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, the steps are not necessarily executed in strict sequence, and the steps can be executed in other sequences. Moreover, Figure 2 And 7 At least some of the steps in the flowchart can include multiple steps or multiple stages, which are not necessarily executed at the same time, but can be executed at different times, and the execution order of the steps or stages is not necessarily sequential, but can be alternately or alternately executed with other steps or steps in other steps or stages.

[0165] In one embodiment, as shown in Figure 11 , a resource processing system 1100 is provided, which can include a policy preset collection unit 1102, a database 1104, a bill processing unit 1106, a timing unit 1108, a preset return judgment unit 1110, a payment unit 1112, a fund unit 1114, and a return interface 1116. Among them, the fund unit 1114 can include multiple fund units, such as a first fund unit 11142, a second fund unit 11144, and a third fund unit 11146, etc. The return interface 1116 can also include multiple return interfaces, such as a first return interface 11162, a second return interface 11164, and a third return interface 11166, etc. The resource processing system can perform resource processing according to the timing chart as shown in Figure 12 Specifically:

[0166] The policy preset collection unit 1102 can be used to collect resource return policies corresponding to resource pre-consumption accounts.

[0167] The database 1104 can be used to store the received resource return policy, and store the resource settlement bill obtained through the return interface 1116.

[0168] The bill processing unit 1106 can process the obtained resource settlement bill, read the resource settlement information included in the resource settlement bill, and the resource settlement information includes the resource pre-consumption quantity.

[0169] The timing unit 1108 can perform bill time trigger processing according to the resource settlement bill, and trigger resource return policy verification when the current time reaches the bill trigger time. Among them, the bill trigger time can be the first resource return time.

[0170] The preset return judgment unit 1110 can be configured to check each candidate configured resource return manner in the resource return strategy, obtain a resource return check result of the candidate configured resource return manner, and select a target configured resource return manner from the candidate configured resource return manner according to the resource return check result.

[0171] The payment unit 1112 can be configured to return resources to the resource settlement bill according to the target configured resource return manner. Specifically, the payment unit 1112 can obtain resources for returning from the fund unit 1114 according to the target configured resource return manner, and transfer the resources to a resource receiving account corresponding to the resource settlement bill through a return interface 1116. The payment unit 1112 can also return a resource return result to the user.

[0172] In one embodiment, as shown in FIG. 13, Figure 13 A resource processing apparatus 1300 is provided, which can be a part of a computer device in the form of a software module or a hardware module, or a combination of both. The apparatus specifically includes a bill obtaining module 1302, a return strategy obtaining module 1304, a return manner checking module 1306, and a resource return module 1308, wherein:

[0173] The bill obtaining module 1302 is configured to obtain a resource settlement bill to be returned, and the resource settlement bill includes a resource pre-consumption quantity corresponding to a resource pre-consumption account.

[0174] The return strategy obtaining module 1304 is configured to obtain a resource return strategy corresponding to the resource pre-consumption account, and the resource return strategy is configured according to a user operation.

[0175] The return manner checking module 1306 is configured to determine a resource return check result of each candidate configured resource return manner in the resource return strategy according to a priority of the candidate configured resource return manner, time configuration information in the candidate configured resource return manner, and the resource pre-consumption quantity, and select a target configured resource return manner from the candidate configured resource return manner according to the resource return check result.

[0176] The resource return module 1308 is configured to return resources to the resource settlement bill according to the target configured resource return manner.

[0177] In the embodiment, the resource settlement bill to be returned is obtained, the resource settlement bill including the resource pre-consumption quantity corresponding to the resource pre-consumption account, and the resource pre-consumption account corresponding resource return strategy is obtained, the resource return strategy being configured according to the user operation, so that the resource transfer operation does not need to be repeated multiple times. According to the priority of each candidate configured resource return mode in the resource return strategy, the resource return verification result of the candidate configured resource return mode is determined according to the time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity. Since the resource return strategy includes multiple candidate configured resource return modes, the target configured resource return mode is selected from the multiple candidate configured resource return modes, so that the success rate of resource return can be improved, and the number of repeated operations is reduced. According to the resource return verification result, the target configured resource return mode is selected from the candidate configured resource return mode, and the resource settlement bill is returned according to the target configured resource return mode. The user does not need to manually perform the resource transfer operation each time the resource needs to be returned, the time cost of resource return is saved, and the efficiency of resource processing is effectively improved.

[0178] In one embodiment, the return mode verification module 1306 is further configured to determine the resource source in the candidate configured resource return mode, and the resource acquisition duration and the dominated resource quantity corresponding to the resource source; determine the resource return time limit verification result of the candidate configured resource return mode according to the time configuration information in the candidate configured resource return mode and the resource acquisition duration; determine the resource return quantity verification result of the candidate configured resource return mode according to the dominated resource quantity and the resource pre-consumption quantity; and determine the resource return verification result of the candidate configured resource return mode according to the resource return time limit verification result and the resource return quantity verification result.

[0179] In one embodiment, the return mode verification module 1306 is further configured to determine the target resource return quantity of the candidate configured resource return mode according to the resource quantity configuration information in the candidate configured resource return mode and the resource pre-consumption quantity; and determine the resource return quantity verification result of the candidate configured resource return mode according to the size relationship between the target resource return quantity and the dominated resource quantity.

[0180] In one embodiment, the resource return module 1308 is further configured to, when it is determined that the resource return quantity verification result is that the dominated resource quantity is less than the target resource return quantity, transfer the resource of the dominated resource quantity in the target configured resource return mode to the resource receiving account corresponding to the resource settlement bill; and return to the step of determining the resource return verification result of the candidate configured resource return mode according to the priority of each candidate configured resource return mode in the resource return strategy, the time configuration information in the candidate configured resource return mode and the resource pre-consumption quantity, until the resource of the target resource return quantity is transferred to the resource receiving account.

[0181] In an embodiment, the return mode verification module 1306 is further configured to determine a current resource return amount according to the resource return staging configuration information and the resource pre-consumption amount in the candidate configured resource return mode; and determine a target resource return amount of the candidate configured resource return mode according to the resource proportion and the current resource return amount.

[0182] In an embodiment, the return mode verification module 1306 is further configured to determine a target resource return time according to the time configuration information in the candidate configured resource return mode; and determine that the resource return time limit verification result of the candidate configured resource return mode is time limit verification passed when it is determined that a resource acquisition time is earlier than the target resource return time; wherein the resource acquisition time is determined according to the resource acquisition time length and a current time.

[0183] In an embodiment, the resource return module 1308 is further configured to determine a target resource taking time corresponding to the target configured resource return mode according to the resource acquisition time length and the target resource return time; and transfer resources from a resource source corresponding to the target configured resource return mode to a resource receiving account corresponding to the resource settlement bill when it is monitored that the target resource taking time is reached.

[0184] In an embodiment, the resource return module 1308 is further configured to, when it is determined that the target configured resource return mode is a resource lending return mode, acquire a lending user corresponding to the resource lending return mode; send a resource lending message to the lending user; and transfer resources from a resource account corresponding to the lending user to a resource receiving account corresponding to the resource settlement bill when a lending operation is received in response to the resource lending message.

[0185] In an embodiment, the resource processing apparatus 1300 further includes a time matching module configured to acquire a bill resource return time corresponding to a resource pre-consumption account in a resource settlement bill; acquire first time configuration information in a first configured resource return mode with the highest priority according to the priority of each candidate configured resource return mode in the resource return strategy; determine a first resource return time according to the first time configuration information and the bill resource return time; and monitor a current time, and execute the step of determining the resource return verification result of the candidate configured resource return mode according to the time configuration information and the resource pre-consumption amount in the candidate configured resource return mode according to the priority of each candidate configured resource return mode in the resource return strategy when the current time matches the first resource return time.

[0186] In an embodiment, the resource return module 1308 is further configured to, when it is determined that the target configured resource return mode is a resource lending return mode, acquire a lending user corresponding to the resource lending return mode; send a resource lending message to the lending user; and transfer resources from a resource account corresponding to the lending user to a resource receiving account corresponding to the resource settlement bill when a lending operation is received in response to the resource lending message. Figure 14As shown, a resource processing apparatus 1400 is provided, which can be a part of a computer device in the form of a software module or a hardware module, or a combination of both. The apparatus specifically includes a configuration interface display module 1402, a return policy determination module 1404, and a return result display module 1406, wherein:

[0187] The configuration interface display module 1402 is configured to display a resource return policy configuration interface corresponding to the resource pre-consumption account.

[0188] The return policy determination module 1404 is configured to determine a resource return policy corresponding to the resource pre-consumption account in response to a policy configuration operation on the resource return policy configuration interface. The resource return policy includes a set of configured resource return modes and a priority of each candidate configured resource return mode in the set of configured resource return modes.

[0189] The return result display module 1406 is configured to display a resource return result when performing resource return on a resource settlement bill corresponding to the resource pre-consumption account according to the resource return policy. The resource return result includes description information of a target configured resource return mode, which is a configured resource return mode for performing resource return on the resource settlement bill.

[0190] In this embodiment, by displaying a resource return policy configuration interface corresponding to the resource pre-consumption account, and determining a resource return policy corresponding to the resource pre-consumption account in response to a policy configuration operation on the resource return policy configuration interface, since the resource return policy includes a set of configured resource return modes and a priority of each candidate configured resource return mode in the set of configured resource return modes, resource return can be performed based on a target configured resource return mode in the resource return policy by configuring the resource return policy, without the need for the user to repeatedly manually perform multiple resource transfer operations. When performing resource return on a resource settlement bill corresponding to the resource pre-consumption account according to the resource return policy, a resource return result is displayed, which includes description information of a target configured resource return mode, which is a configured resource return mode for performing resource return on the resource settlement bill. The user does not need to manually perform resource transfer operations each time resource return is required, saving time costs for resource return and effectively improving the efficiency of resource processing.

[0191] In one embodiment, the return policy determination module 1404 is further configured to display a resource return mode configuration area corresponding to an added candidate configured resource return mode in response to a resource return mode addition operation on the resource return policy configuration interface, and determine a resource source of the added candidate configured resource return mode in response to a resource source configuration operation on the resource return mode configuration area.

[0192] The specific limitation of the resource processing apparatus can refer to the limitation of the resource processing method, which will not be repeated here. Each module in the above resource processing apparatus can be realized by software, hardware and their combination. The above modules can be embedded in the processor in the computer device in hardware form or independent of the processor in the computer device, or stored in the memory in the computer device in software form, so that the processor calls and executes the operation corresponding to each module.

[0193] In one embodiment, a computer device, which can be a server, is provided, and an internal structure diagram thereof can be as shown in FIG. 1. The computer device includes a processor, a memory and a network interface connected by a system bus. The processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for running the operating system and the computer program in the non-volatile storage medium. The database of the computer device is configured to store resource processing data. The network interface of the computer device is configured to communicate with an external terminal through a network connection. The computer program is executed by the processor to implement a resource processing method. Figure 15 In one embodiment, a computer device, which can be a terminal, is provided, and an internal structure diagram thereof can be as shown in FIG. 2. The computer device includes a processor, a memory, a communication interface, a display screen and an input device connected by a system bus. The processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for running the operating system and the computer program in the non-volatile storage medium. The communication interface of the computer device is configured to communicate with an external terminal in a wired or wireless manner. The wireless manner can be achieved by WIFI, an operator network, NFC (near field communication) or other technologies. The computer program is executed by the processor to implement a resource processing method. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer overlaid on the display screen, or a key, trackball or touchpad arranged on the shell of the computer device, or an external keyboard, touchpad or mouse, etc.

[0194] Figure 16 Those skilled in the art can understand that, ,

[0195] Figure 15 , 16 ​The structure shown in the figure is only a block diagram of part of the structure related to the scheme of the present application, and does not constitute a limitation on the computer device to which the scheme of the present application is applied. The specific computer device can include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0196] In an embodiment, a computer device is also provided, including a memory and a processor, the memory storing a computer program, and the processor implementing the steps in the above-mentioned method embodiments when executing the computer program.

[0197] In an embodiment, a computer readable storage medium is provided, storing a computer program, which, when executed by a processor, implements the steps in the above-mentioned method embodiments.

[0198] In an embodiment, a computer program product or computer program is provided, including computer instructions stored in a computer readable storage medium. A processor of a computer device reads the computer instructions from the computer readable storage medium, and the processor executes the computer instructions, so that the computer device executes the steps in the above-mentioned method embodiments.

[0199] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiments can be completed by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer readable storage medium, and when executed, can include the processes of the above-mentioned embodiments. Any reference to memory, storage, database or other medium used in the embodiments provided by the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory, etc. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration but not as a limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc.

[0200] The technical features of the above embodiments can be combined in any way. In order to make the description concise, not all possible combinations of the technical features in the above embodiments are described, but as long as the combinations of the technical features do not exist contradictions, they should be considered as the scope of the present application.

[0201] The above embodiments only express several implementation ways of the present application, and the description is more specific and detailed, but it should not be understood as a limitation to the patent scope of the application. It should be pointed out that for ordinary skilled in the art, without departing from the concept of the present application, several modifications and improvements can be made, which are all within the protection scope of the present application. Therefore, the protection scope of the patent of the present application should be subject to the appended claims.

Claims

1. A resource processing method, characterized in that: The method comprises: Obtaining a resource settlement bill for resources to be returned, the resource settlement bill including a pre-consumed amount of resources corresponding to the resource pre-consumption account; Obtaining a resource return policy corresponding to the resource pre-consumption account, the resource return policy being configured based on user operations, and including a set of configured resource return methods for implementing resource return on a resource settlement bill. The configured resource return methods include resource source and resource quantity configuration information. The resource sources include different types of resource sources, including resources with different resource acquisition times, including resources that control changes in resource quantity. The resource acquisition time refers to the length of time required to acquire resources from a resource source. According to the priority of each candidate configuration resource return method in the resource return strategy, according to the time configuration information in the candidate configuration resource return method and the pre-consumption quantity of the resources, the resource return verification result of the candidate configuration resource return method is determined, including: determining the resource source in the candidate configuration resource return method, and the resource acquisition duration and the number of controlled resources corresponding to the resource source; determining the resource return timeliness verification result of the candidate configuration resource return method according to the time configuration information in the candidate configuration resource return method and the resource acquisition duration; determining the resource return quantity verification result of the candidate configuration resource return method according to the number of controlled resources and the pre-consumption quantity of the resources; determining the resource return verification result of the candidate configuration resource return method according to the resource return timeliness verification result and the resource return quantity verification result, where the time configuration information refers to information configured according to user operation and used to indicate the time for returning resources; Selecting a target configuration resource return method from the candidate configuration resource return methods according to the priority of each candidate configuration resource return method and the resource return verification result; The resource settlement bill is returned resources according to the target configuration resource return method, including: determining the resource extraction time corresponding to the target configuration resource return method according to the resource acquisition duration and the target resource return time; when it is monitored that the resource extraction time has arrived, transferring resources from the resource source corresponding to the target configuration resource return method to the resource receiving account corresponding to the resource settlement bill, the resource extraction time refers to the time when the extraction of resources according to the corresponding target configuration resource return method is triggered, the target resource return time refers to the time when the resource settlement bill needs to be returned according to the candidate configuration resource return method, and the target resource return time is determined according to the time configuration information.

2. The method according to claim 1, characterized in that The resource source includes a debit card, savings card, financial product, electronic wallet or lending user associated with the resource pre-consumption account.

3. The method according to claim 2, characterized in that The resource return quantity verification result of determining the candidate configuration resource return mode according to the controlled resource quantity and the pre-consumed resource quantity includes: Determining a target resource return quantity for the candidate configuration resource return method according to the resource quantity configuration information in the candidate configuration resource return method and the resource pre-consumption quantity; The resource return quantity verification result of the candidate configuration resource return mode is determined according to the size relationship between the target resource return quantity and the controlled resource quantity.

4. The method according to claim 3, characterized in that The returning the resource settlement bill according to the target configured resource return method includes: When it is determined that the resource return quantity verification result shows that the controlled resource quantity is less than the target resource return quantity, the resources of the controlled resource quantity in the target configured resource return method are transferred to the resource receiving account corresponding to the resource settlement bill; Return the priority of each candidate configuration resource return method in the resource return strategy, and determine the resource return verification result of the candidate configuration resource return method based on the time configuration information and the pre-consumption quantity of the resources in the candidate configuration resource return method, until the resources of the target resource return quantity are transferred to the resource receiving account.

5. The method according to claim 3, characterized in that The determining, based on the resource quantity configuration information in the candidate resource return mode and the pre-consumed resource quantity, of the target resource return quantity of the candidate resource return mode includes: Determining the current resource return quantity based on the resource return phase configuration information in the candidate configuration resource return method and the resource pre-consumption quantity; The resource ratio in the candidate configuration resource return mode and the current resource return quantity are obtained to determine the target resource return quantity of the candidate configuration resource return mode.

6. The method according to claim 2, characterized in that The resource return timeliness verification result of determining the candidate configuration resource return mode according to the time configuration information in the candidate configuration resource return mode and the resource acquisition duration includes: Determine the target resource return time according to the time configuration information in the candidate configuration resource return mode; When it is determined that the resource acquisition time is earlier than the target resource return time, the resource return timeliness check result of the candidate configuration resource return method is determined to be timeliness check passed; wherein, the resource acquisition time is determined based on the resource acquisition duration and the current time.

7. The method according to claim 6, characterized in that The candidate configuration resource return mode includes an installment return mode, and the candidate configuration resource return mode is configured with resource return installment configuration information.

8. The method according to claim 1, characterized in that The returning the resource settlement bill according to the target configured resource return method includes: When it is determined that the target configured resource return mode is a resource lending return mode, obtaining a lending user corresponding to the resource lending return mode; A resource lending message is sent to the lending user, and when a lending operation is received for the resource lending message, resources are transferred from the resource account corresponding to the lending user to the resource receiving account corresponding to the resource settlement bill.

9. The method according to claim 1, characterized in that The method further comprises: Obtain the bill resource return time corresponding to the resource pre-consumption account in the resource settlement bill; According to the priorities of the candidate configuration resource return methods in the resource return policy, obtaining the first time configuration information in the first configuration resource return method with the highest priority; Determining a first resource return time according to the first time configuration information and the bill resource return time; Monitor the current time. When the current time matches the first resource return time, execute the step of determining the resource return verification result of the candidate configuration resource return method according to the priority of each candidate configuration resource return method in the resource return policy, and according to the time configuration information in the candidate configuration resource return method and the pre-consumption quantity of the resource.

10. A resource processing method, characterized in that: The method comprises: Display the resource return policy configuration interface corresponding to the resource pre-consumption account; In response to a policy configuration operation on the resource return policy configuration interface, a resource return policy corresponding to the resource pre-consumption account is determined, the resource return policy including a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods, the configured resource return method including one or more configured information for resource return, the information included in the configured resource return method including resource source and resource quantity configuration information, the resource source including different types of resource sources, the different types of resource sources including resources with different resource acquisition times, including resources that control changes in resource quantity, and the resource acquisition time refers to the length of time required to obtain resources from the resource source; When the resource settlement bill corresponding to the resource pre-consumption account is returned according to the resource return strategy, the resource return result is displayed, including: determining the resource extraction time corresponding to the target configuration resource return method according to the resource acquisition time and the target resource return time; when it is monitored that the resource extraction time has arrived, the resource is transferred from the resource source corresponding to the target configuration resource return method to the resource receiving account corresponding to the resource settlement bill. The resource extraction time refers to the time when the resource extraction according to the corresponding target configuration resource return method is triggered. The target resource return time refers to the time when the candidate configuration resource return method needs to return the resource to the resource settlement bill. The resource return result includes the description information of the target configuration resource return method. The target configuration resource return method is the configuration resource return method for returning resources to the resource settlement bill. The target configuration resource return method is selected from the candidate configuration resource return methods according to the priority of each candidate configuration resource return method and the resource return verification result. The verification result is determined according to the priority of each candidate configuration resource return method in the resource return strategy, the time configuration information in the candidate configuration resource return method and the resource pre-consumption quantity included in the resource settlement bill, including: determining the resource source in the candidate configuration resource return method, and the resource acquisition duration and the number of controlled resources corresponding to the resource source; determining the resource return timeliness verification result of the candidate configuration resource return method according to the time configuration information in the candidate configuration resource return method and the resource acquisition duration; determining the resource return quantity verification result of the candidate configuration resource return method according to the number of controlled resources and the resource pre-consumption quantity; determining the resource return verification result of the candidate configuration resource return method according to the resource return timeliness verification result and the resource return quantity verification result. The time configuration information refers to the information configured according to the user operation, which is used to indicate the time for returning the resource, and the target resource return time is determined according to the time configuration information.

11. The method according to claim 10, characterized in that The determining, in response to the policy configuration operation on the resource return policy configuration interface, of the resource return policy corresponding to the resource pre-consumption account includes: In response to an operation of adding a resource return method on the resource return policy configuration interface, displaying a resource return method configuration area corresponding to the added candidate configuration resource return method; In response to the resource source configuration operation for the resource return mode configuration area, the resource source of the added candidate configuration resource return mode is determined.

12. A resource processing device, characterized in that: The device comprises: A bill acquisition module is used to obtain a resource settlement bill for resource return, wherein the resource settlement bill includes a resource pre-consumption amount corresponding to a resource pre-consumption account; a return policy acquisition module, configured to acquire a resource return policy corresponding to the resource pre-consumption account; the resource return policy is configured based on user operations and includes a set of configured resource return methods for implementing resource return on a resource settlement bill; the configured resource return methods include resource sources and resource quantity configuration information; the resource sources include different types of resource sources, including resources with different resource acquisition times, including resources that control changes in resource quantity; and the resource acquisition time refers to the length of time required to acquire resources from a resource source; A return mode verification module is used to determine the resource return verification result of the candidate configuration resource return mode according to the priority of each candidate configuration resource return mode in the resource return strategy, the time configuration information in the candidate configuration resource return mode and the pre-consumption quantity of the resources, including: determining the resource source in the candidate configuration resource return mode, and the resource acquisition duration and the number of controlled resources corresponding to the resource source; determining the resource return timeliness verification result of the candidate configuration resource return mode according to the time configuration information in the candidate configuration resource return mode and the resource acquisition duration; determining the resource return quantity verification result of the candidate configuration resource return mode according to the number of controlled resources and the pre-consumption quantity of the resources; determining the resource return verification result of the candidate configuration resource return mode according to the resource return timeliness verification result and the resource return quantity verification result, where the time configuration information refers to information configured according to user operation and used to indicate the time for returning resources; selecting the target configuration resource return mode from the candidate configuration resource return modes according to the priority of each candidate configuration resource return mode and the resource return verification result; The resource return module is used to return resources to the resource settlement bill according to the target configuration resource return method, including: determining the resource extraction time corresponding to the target configuration resource return method according to the resource acquisition duration and the target resource return time; when it is monitored that the resource extraction time has arrived, transferring resources from the resource source corresponding to the target configuration resource return method to the resource receiving account corresponding to the resource settlement bill. The resource extraction time refers to the time when the extraction of resources according to the corresponding target configuration resource return method is triggered. The target resource return time refers to the time when the resource settlement bill needs to be returned according to the candidate configuration resource return method. The target resource return time is determined according to the time configuration information.

13. A resource processing device, characterized in that: The device comprises: The configuration interface display module is used to display the resource return policy configuration interface corresponding to the resource pre-consumption account; a return policy determination module, configured to determine, in response to a policy configuration operation on the resource return policy configuration interface, a resource return policy corresponding to the resource pre-consumption account, wherein the resource return policy includes a set of configured resource return methods and a priority of each candidate configured resource return method in the set of configured resource return methods, wherein the configured resource return method includes one or more configured information for performing resource return, and the information included in the configured resource return method includes resource source and resource quantity configuration information, wherein the resource source includes different types of resource sources, and the different types of resource sources include resources with different resource acquisition times, including resources that control changes in resource quantity, and the resource acquisition time refers to the length of time required to obtain resources from the resource source; A return result display module is used to display the resource return result when returning the resource settlement bill corresponding to the resource pre-consumption account according to the resource return strategy, including: determining the resource extraction time corresponding to the target configuration resource return method according to the resource acquisition time and the target resource return time; when it is monitored that the resource extraction time has arrived, transferring the resource from the resource source corresponding to the target configuration resource return method to the resource receiving account corresponding to the resource settlement bill, the resource extraction time refers to the time when the extraction of resources according to the corresponding target configuration resource return method is triggered, and the target resource return time refers to the time when the candidate configuration resource return method needs to return the resource to the resource settlement bill. The resource return result includes the description information of the target configuration resource return method, the target configuration resource return method is the configuration resource return method for returning resources to the resource settlement bill, and the target configuration resource return method is selected from the candidate configuration resource return methods according to the priority of each candidate configuration resource return method and the resource return verification result. The resource return verification result is determined according to the priority of each candidate configuration resource return method in the resource return strategy, the time configuration information in the candidate configuration resource return method and the resource pre-consumption quantity included in the resource settlement bill, including: determining the resource source in the candidate configuration resource return method, and the resource acquisition duration and the number of controlled resources corresponding to the resource source; determining the resource return timeliness verification result of the candidate configuration resource return method according to the time configuration information in the candidate configuration resource return method and the resource acquisition duration; determining the resource return quantity verification result of the candidate configuration resource return method according to the number of controlled resources and the pre-consumption quantity of resources; determining the resource return verification result of the candidate configuration resource return method according to the resource return timeliness verification result and the resource return quantity verification result. The time configuration information refers to the information configured according to the user operation, which is used to indicate the time for returning resources. The target resource return time is determined according to the time configuration information.

14. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 11 are implemented.

15. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 11 are implemented.

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