Resource processing method, device and system

Abstract

One or more embodiments of this specification disclose a resource processing method, device and system to solve the problems of poor controllability of resource transfer business and strong dependence on third-party platforms. The method includes: determining a target resource transfer business that meets the resource transfer conditions. Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer business, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer business through the cloud platform. Determine the target resource transfer amount corresponding to the resource transfer-out account. Transfer the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

Description

Technical Field

[0001] The present invention relates to the field of resource processing technology, and in particular to a resource processing method, device and system. Background Art

[0002] In resource processing business, especially in resource repayment scenarios, users are usually required to pre-authorize the intermediary service provider to enhance credit, so that the intermediary service provider has the authority to freeze and unfreeze the user's account, thereby serving as a guarantee for resource repayment. At present, resource repayment usually relies on the designated account of the intermediary service provider (such as an account on a certain trading platform) to receive unfrozen resources, or some intermediary service providers repay resources through third-party resource repayment institutions. However, intermediary service providers are subject to the risk of judicial freezing and bankruptcy, which can easily lead to abnormal situations in resource repayment, thereby affecting the user's business execution results. Summary of the invention

[0003] On the one hand, one or more embodiments of the present specification provide a resource processing method, including: determining a target resource transfer service that meets a resource transfer condition. Determining a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform. Determining a target resource transfer amount corresponding to the resource transfer-out account. Transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0004] On the other hand, one or more embodiments of the present specification provide a resource processing device, including: a first determination module, which determines a target resource transfer service that satisfies a resource transfer condition. A second determination module, which determines a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform. A third determination module, which determines a target resource transfer amount corresponding to the resource transfer-out account. A first transfer-out module, which transfers a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0005] On another aspect, one or more embodiments of the present specification provide a resource processing system, including: a supply chain system, which determines a target resource transfer business that meets resource transfer conditions. Determine a resource transfer-out account of a resource transferor corresponding to the target resource transfer business, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer business through a cloud platform. Determine a target resource transfer amount corresponding to the resource transfer-out account. Generate a resource transfer request based on the target resource transfer amount, and send the resource transfer request to the cloud platform. The cloud platform, based on the resource transfer request sent by the supply chain system, transfers a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0006] On another aspect, one or more embodiments of the present specification provide a resource processing device, including a processor and a memory electrically connected to the processor, the memory storing a computer program, and the processor being used to call and execute the computer program from the memory to implement: determining a target resource transfer service that satisfies a resource transfer condition. Determining a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee through a cloud platform corresponding to the target resource transfer service. Determining a target resource transfer amount corresponding to the resource transfer-out account. Transferring a first resource that matches the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0007] On the other hand, an embodiment of the present specification provides a storage medium for storing a computer program, wherein the computer program can be executed by a processor to implement the following process: determining a target resource transfer service that satisfies a resource transfer condition. Determining a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform. Determining a target resource transfer amount corresponding to the resource transfer-out account. Transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account. BRIEF DESCRIPTION OF THE DRAWINGS

[0008] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in one or more embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0009] Figure 1 is a schematic architecture diagram of a resource processing system according to an embodiment of this specification;

[0010] Figure 2 is a schematic flow chart of a resource processing method according to an embodiment of this specification;

[0011] Figure 3 This is a schematic architecture diagram of a resource processing method according to an embodiment of this specification applied to a contract purchase scenario;

[0012] Figure 4 It is a schematic swimlane diagram of configuring a dynamic account for a capital trading platform in a resource processing method according to an embodiment of the present specification;

[0013] Figure 5 It is a schematic swimlane diagram of performing dynamic account determination configuration for a cloud platform in a resource processing method according to an embodiment of this specification;

[0014] Figure 6 is a schematic swim lane diagram of a resource processing method according to a specific embodiment of this specification;

[0015] Figure 7 is a schematic block diagram of a resource processing device according to an embodiment of this specification;

[0016] Figure 8 is a schematic block diagram of a resource processing system according to an embodiment of this specification;

[0017] Fig. 9 It is a schematic block diagram of a resource processing device according to an embodiment of the present specification. DETAILED DESCRIPTION

[0018] One or more embodiments of the present specification provide a resource processing method, device, and system to solve the problems of poor controllability of resource transfer services and strong dependence on third-party platforms.

[0019] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of one or more embodiments of this specification.

[0020] The resource processing method provided in one or more embodiments of this specification can be applied as follows: Figure 1 The resource processing system shown in FIG. Figure 1As shown, the resource processing system includes a supply chain system 10, a resource trading platform 20 and a cloud platform 30. Among them, the supply chain system 10 can be used to determine the target resource transfer business that meets the resource transfer conditions, and determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer business, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer business through the cloud platform; and then determine the target resource transfer amount corresponding to the resource transfer-out account. The cloud platform 20 can open a corresponding cloud resource account for the resource transferor and / or the resource transferee, and the cloud resource account is used to receive the resources transferred to the resource transferee from the resource transfer business from the resource transferor's corresponding resource transfer-out account. In addition, the cloud platform 20 can also be used to transfer the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account according to the relevant information determined by the supply chain system 10, including the cloud resource account, the resource transfer-out account and the target resource transfer amount. The resource trading platform 20 can be used to determine the target resource transfer business that meets the resource transfer conditions, and provide a channel for the resource transferor to open a resource transfer-out account.

[0021] The following is a detailed introduction to the corresponding functions of each module in the resource processing system in the resource transfer scenario.

[0022] Figure 2 is a schematic flow chart of a resource processing method according to an embodiment of this specification, such as Figure 2 As shown, the method includes:

[0023] S202: Determine a target resource transfer service that meets resource transfer conditions.

[0024] Before executing S202, resource transfer service information sent by the resource transferor may be received first. The resource transfer service information may include one or more information such as resource transfer date, resource transfer amount, resource transfer frequency, resource transfer times, etc. corresponding to each resource transfer service.

[0025] In one embodiment, the resource transfer condition may include: the current time reaches the resource transfer date. The resource processing system may determine whether the resource transfer service meets the resource transfer condition by determining whether the current time reaches the resource transfer date corresponding to the resource transfer service. If the current time reaches the resource transfer date corresponding to the resource transfer service, the resource transfer service is determined to be the target resource transfer service that meets the resource transfer condition.

[0026] S204, determining a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform.

[0027] The resource transfer-out account can be a cloud resource account opened by the resource transferor through the cloud platform, or a transaction account of the resource source in the resource transfer business on a designated resource transaction platform. For ease of explanation, the cloud resource account opened by the resource transferor through the cloud platform is referred to as the first cloud resource account, and the cloud resource account opened by the resource transferor through the cloud platform is referred to as the second cloud resource account.

[0028] S206, determining the target resource transfer amount corresponding to the resource transfer-out account.

[0029] In this step, when multiple target resource transfer services are generated, the resource transfer system can determine the resource transfer amount corresponding to each target resource transfer service, and then determine the target resource transfer amount according to the resource transfer amount corresponding to each target resource transfer service. Optionally, the sum of the resource transfer amounts corresponding to each target resource transfer service can be determined as the target resource transfer amount corresponding to the resource transfer-out account, so that when multiple target resource transfer services are generated, multiple target resource transfer services can be executed at one time, thereby improving the efficiency of resource transfer.

[0030] S208: Transfer the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0031] By adopting the technical solution of one or more embodiments of the present specification, the target resource transfer business that meets the resource transfer conditions is determined in real time, and the resource transfer account of the resource transferor corresponding to the target resource transfer business, the cloud resource account opened by the resource transferee through the cloud platform, and the target resource transfer amount are determined, and then the first resource matching the target resource transfer amount is transferred from the resource transfer account to the cloud resource account, so that the resource transfer business is controllable and the credibility of the resource transferor is improved. In addition, since the cloud platform belongs to the internal platform of the resource processing system, the resource is transferred from the resource transferor's resource transfer account to the resource transferee's cloud resource account, so that the resource transfer business no longer depends on a third-party platform (such as an external trading platform), avoiding the situation that various risks are easily caused when relying on a third-party platform for resource transfer, realizing a closed loop of resources in the resource transfer business, and ensuring the security of resource transfer.

[0032] The resource processing method provided in the above embodiment can be applied to various repayment scenarios, such as in the operator contract purchase scenario, the user signs a contract purchase agreement, commits to the minimum consumption, and purchases the mobile phone in a direct reduction manner. When the user repays in installments (or pays the mobile phone package fee on a monthly basis), ISV (Independent Software Vendors) can be used as a service provider to provide a repayment (or package payment) entry for the store that handles the contract purchase, and connects with the online merchant to submit the account so that the store can collect the payment in advance. In this scenario, ISV is the resource transferor, and the online merchant is the resource transferor. Both ISV and online merchant can open a cloud fund account on the cloud platform, and the resource processing system can be called a fund processing system. When the resource processing system is applied to this scenario, the supply chain system in the fund processing system can pay attention to the repayment business in real time, and realize the effect of automatically transferring funds from the ISV's transaction account on the fund trading platform to the ISV cloud fund account, so that the cloud platform can automatically transfer funds from the ISV's cloud fund account to the online merchant's cloud fund account. The supply chain system may be a SCP (Supply Chain Product) system.

[0033] In one embodiment, the resource transfer-out account is a second cloud resource account opened by the resource transferor through the cloud platform, that is, both the resource transferor and the resource transferee use the cloud resource account opened through the cloud platform to transfer resources. Based on this, before determining the target resource transfer service that meets the resource transfer conditions, the resource change information of the first resource source party associated with the resource transferor can be first obtained, and the resource change information includes the resource change amount of the first resource source party; then, according to the resource change information, the second resource matching the resource change amount is transferred from the first resource source party to the second cloud resource account corresponding to the resource transferor.

[0034] The first resource source includes: the first transaction account of the resource transferor on the designated resource transaction platform, and / or the intermediate settlement account opened through the cloud platform. The designated resource transaction platform can be Figure 1 The resource transaction platform 20 shown is an internal platform of the resource processing system.

[0035] In this embodiment, resource change information can be obtained through the resource trading platform and / or cloud platform. Specifically, if the first resource source is the first transaction account of the resource transferor on the resource trading platform, the resource trading platform can determine whether a resource change event has occurred in the first transaction account. If so, the resource trading platform generates resource change information corresponding to the first resource source. In the case where the resource trading platform is an internal platform of the resource processing system, the resource trading platform can transmit the generated resource change information to the supply chain system in the resource processing system, and the supply chain system transfers the second resource matching the resource change amount from the first resource source to the second cloud resource account corresponding to the resource transferor based on the resource change information.

[0036] If the first resource source is an intermediate settlement account opened through the cloud platform, the cloud platform can determine whether a resource change event has occurred in the intermediate settlement account. If so, the cloud platform generates resource change information corresponding to the first resource source, and transmits the resource change information to the supply chain system in the resource processing system. The supply chain system transfers the second resource matching the resource change amount from the first resource source to the second cloud resource account corresponding to the resource transferor based on the resource change information.

[0037] Taking the contract purchase scenario as an example, the resource transferor is the ISV, and the resource transferee is the online merchant. Both the ISV and the online merchant can open their own cloud fund accounts through the cloud platform. If the first resource source associated with the ISV is an ISV transaction account opened by the ISV on a certain fund transaction platform (such as the XX payment platform), the fund transaction platform will determine the account movement of the ISV transaction account. When it is determined that the ISV transaction account has fund changes, the fund change information corresponding to the ISV transaction account is generated, including the account information and change amount of the ISV transaction account, and then the fund change information corresponding to the ISV transaction account is sent to the supply chain system, and the supply chain system transfers the funds matching the change amount from the ISV transaction account to the cloud fund account corresponding to the ISV. In other words, when the resource processing system determines that the ISV transaction account has fund changes, it will pre-allocate the funds in the ISV transaction account to the ISV's cloud fund account, so as to facilitate the subsequent transfer of funds from the ISV's cloud fund account to the online merchant's cloud fund account to complete the repayment.

[0038] If the first resource source associated with the ISV is an intermediate settlement account on the cloud platform, such as an operator's cloud fund account, the cloud platform will determine whether a fund change event has occurred in the operator's cloud fund account. When it is determined that the operator's cloud fund account has fund change information, the cloud platform will generate fund change information corresponding to the operator's cloud fund account, including the account information and change amount of the operator's cloud fund account, and then send the fund change information corresponding to the operator's cloud fund account to the supply chain system, and the supply chain system will transfer funds matching the change amount from the operator's cloud fund account to the cloud fund account corresponding to the ISV. In other words, when the fund processing system determines that the operator's cloud fund account has fund change information, it will pre-allocate funds from the operator's cloud fund account to the ISV's cloud fund account, so as to facilitate the subsequent transfer of funds from the ISV's cloud fund account to the online merchant's cloud fund account to complete the repayment.

[0039] In this embodiment, by pre-transferring the second resource of the first resource source party associated with the resource transferor to the second cloud resource account corresponding to the resource transferor, the resources to be transferred to the resource transferee are pre-concentrated in the second cloud resource account of the resource transferor on the cloud platform. Since the cloud platform belongs to the internal platform of the resource processing system, the resource transfer process in the resource transfer business can be monitored in real time, making the resource transfer business controllable. In addition, this embodiment is not limited to the type of the first resource source party. Whether it is the first transaction account on the resource trading platform or the intermediate settlement account on the cloud platform, it does not need to rely on the credibility of the external platform, thus realizing the resource closed loop of the resource transfer process.

[0040] In one embodiment, the resource processing system pre-establishes an association relationship between the account information of the first resource source and the second cloud resource account corresponding to the resource transferor. Based on this, when the second resource matching the resource change amount is transferred from the first resource source to the second cloud resource account according to the resource change information, the pre-established association relationship between the account information of the first resource source and the second cloud resource account corresponding to the resource transferor can be obtained, and the second cloud resource account associated with the first resource source can be determined based on the association relationship and the account information of the first resource source carried in the resource change information; and then the second resource is transferred from the first resource source to the second cloud resource account corresponding to the resource transferor.

[0041] Among them, the account information of the first resource source may be information such as account name, account opening platform, and account unique identification code.

[0042] In one embodiment, the resource processing system pre-establishes a first binding relationship between each resource transfer business and the resource transferor. Based on this, when determining the resource transfer account of the resource transferor corresponding to the target resource transfer business, the resource transferor corresponding to the target resource transfer business can be determined according to the pre-established first binding relationship; and then, according to the association relationship between the resource transferor and the second cloud resource account pre-stored in the cloud platform, the second cloud resource account corresponding to the resource transferor is determined.

[0043] In addition, the resource processing system may also pre-establish a second binding relationship between the resource transferor and the resource transferee. Based on this, when determining the first cloud resource account opened by the resource transferor corresponding to the target resource transfer business through the cloud platform, the resource transferee corresponding to the resource transferor may be determined according to the second binding relationship, and then the cloud resource account corresponding to the resource transferee may be determined according to the association relationship between the resource transferee and the cloud resource account pre-stored in the cloud platform.

[0044] In this embodiment, for objects that have opened cloud resource accounts on the cloud platform, the cloud platform can store the association relationship between the object and its corresponding cloud resource account, so that the resource processing system can determine the cloud resource accounts corresponding to the corresponding resource transferee and resource transferee when performing resource transfer business, thereby realizing a closed loop of resource transfer.

[0045] In one embodiment, before determining the target resource transfer service that meets the resource transfer conditions, the resource transferor may open its corresponding second cloud resource account on the cloud platform in advance. Specifically, when the cloud platform in the resource processing system receives an account opening request for the second cloud resource account sent by the resource transferor, it determines whether the resource processing system stores account information of the second cloud resource account corresponding to the resource transferor, such as account name, account unique identification code, etc., based on the identification information of the resource transferor carried in the account opening request; if so, the account information of the second cloud resource account is fed back to the resource transferor; if not, a second cloud resource account is created for the resource transferor, and an association relationship is established between the account information of the second cloud resource account and the identification information of the resource transferor.

[0046] If the resource processing system stores the account information of the second cloud resource account corresponding to the resource transferor, it means that the resource transferor has already opened the second cloud resource account on the cloud platform, and in this case, there is no need to open it again.

[0047] In addition, if the resource transferor has opened a second cloud resource account on the cloud platform, the resource processing system can also provide personalized services for the second cloud resource account, such as closing the related services of the second cloud resource account. When the related services of the second cloud resource account are closed, the resource transferor cannot use the second cloud resource account to perform resource transfer services, including being unable to transfer resources out of the second cloud resource account and being unable to transfer resources into the second cloud resource account from other accounts. The resource transferor can reopen the related services of the second cloud resource account through the resource processing system.

[0048] In one embodiment, after determining the target resource transfer amount corresponding to the resource transfer-out account, the resource processing system may generate a resource transfer business order corresponding to the target resource transfer business. The resource transfer business order may include information such as the second cloud resource account corresponding to the resource transferor, the cloud resource account corresponding to the resource transferee, the target resource transfer amount, and the first resource source.

[0049] When the resource processing system transfers the first resource matching the target resource transfer amount from the resource transfer account to the cloud resource account, it can transfer the first resource from the second cloud resource account to the cloud resource account according to the resource transfer business sheet corresponding to the target resource transfer business, and generate a resource transfer result. If the resource transfer result is that the resource transfer is successful, the resource processing system deletes the resource transfer business sheet to avoid repeated execution of the same resource transfer business.

[0050] In the contract purchase scenario, the resource transfer business order corresponding to the target resource transfer business can be the repayment details corresponding to the repayment business, which may specifically include the transaction bill of consumers participating in the contract purchase activity, the number of repayment installments, the repayment time for each installment, the repayment amount for each installment and other information.

[0051] In one embodiment, the resource transfer-out account is the second transaction account of the second resource source party on the resource transaction platform. Based on this, when the resource processing system transfers the first resource matching the target resource transfer amount from the resource transfer-out account to the first cloud resource account, the first resource matching the target resource transfer amount can be directly transferred from the second transaction account to the first cloud resource account.

[0052] The second resource source may be a user who needs to transfer resources. That is, the resource processing system can directly transfer the resources in the user's second transaction account to the first cloud resource account corresponding to the resource transferee without going through an intermediate service provider.

[0053] In this embodiment, the resource processing system can directly transfer the first resource from the second transaction account of the second resource source on the resource transaction platform to the first cloud resource account, so that the resource source does not need to transfer resources through the resource transferor as an intermediate service provider, but directly opens up the resource transfer channel between the resource source and the resource transferee. The transaction account of the resource source and the first cloud resource account corresponding to the resource transferee are located on different platforms. Therefore, by opening up the resource transfer channel between the accounts on two different platforms, the execution process of the resource transfer business is further simplified, the efficiency of the resource transfer business is improved, and a closed loop of resources from the resource source to the resource transferee is realized.

[0054] A resource processing method provided in this specification is described below through a specific scenario embodiment.

[0055] Take the contract purchase scenario as an example. First, we will introduce the business process of the contract purchase scenario. Figure 3 A business framework diagram of a contract purchase scenario in an embodiment is shown, such as Figure 3 As shown in the figure, the entire repayment business involves stores, consumer C, ISV, XX payment platform (i.e., fund transaction platform), SCP system, cloud platform, and online merchants. Among them, consumer C and ISV have opened corresponding transaction accounts through XX payment platform, ISV and online merchants have opened corresponding cloud fund accounts through cloud platform, and XX payment platform, SCP system, and cloud platform are all internal systems or platforms of the fund processing system. The roles of each part in the execution of repayment business are as follows:

[0056] 1. Consumer C signs a contract to purchase a package through the store and enjoys a direct discount on the purchase price.

[0057] 2. Consumer C authorizes ISV to freeze his transaction account on XX payment platform.

[0058] 3. After consumer C authorizes ISV, ISV sends a freezing instruction to XX payment platform to request XX payment platform to freeze consumer C's transaction account. ISV not only has the authority to freeze consumer C's transaction account, but also has the authority to unfreeze consumer C's transaction account at a fixed time.

[0059] The freezing instruction may include the account information (such as account name, account number, etc.) of consumer C's transaction account, the frozen amount, and the unfreezing time. If consumer C signs a contract to pay the package fee in monthly installments, the frozen amount is the amount to be frozen each month, and the unfreezing time is the monthly unfreezing time.

[0060] 4. ISV submits repayment details to the SCP system. The repayment details may include information such as consumer C's transaction bill, number of repayment installments, repayment time for each installment, and repayment amount for each installment.

[0061] After receiving the repayment details, the SCP system can sign a repayment service agreement with the ISV based on the repayment details. The repayment service agreement can specify the repayment source, number of repayment installments, repayment time for each installment, and repayment amount for each installment corresponding to each repayment detail submitted by the ISV. The repayment source can be the transaction account or intermediate settlement account of consumer C.

[0062] 5. Online merchants issue factoring funds to stores.

[0063] 6. The XX payment platform determines in real time whether a fund change event occurs in the ISV's transaction account on the XX payment platform (hereinafter referred to as the ISV transaction account), and sends the fund change information to the SCP system when it is determined that a fund change event occurs in the ISV transaction account.

[0064] A fund change event usually occurs after the ISV unfreezes the transaction account of consumer C, that is, the ISV unfreezes the transaction account of consumer C and transfers the changed amount in consumer C's transaction account (that is, the unfrozen amount) to the ISV transaction account. At this time, the XX payment platform can determine that a fund change event has occurred in the ISV transaction account.

[0065] 7. After receiving the fund change information sent by the XX payment platform, the SCP system transfers the changed amount (i.e. the unfrozen amount) from the corresponding ISV transaction account to the ISV's cloud fund account on the cloud platform (hereinafter referred to as the ISV cloud fund account).

[0066] 8. For repayments that have reached the repayment date, the SCP system queries the repayment service agreement, determines the total repayment amount to be transferred from the ISV cloud fund account, and notifies the cloud platform.

[0067] 9. Based on the total repayment amount determined by the SCP system, the cloud platform transfers the corresponding funds from the ISV cloud fund account to the online merchant’s cloud fund account on the cloud platform to repay the online merchant.

[0068] Among them, when the SCP system calculates the funds to be transferred from the ISV cloud funding account, it can sum up the repayment amounts corresponding to all repayment businesses that have reached the repayment date, and then determine the sum as the total repayment funds to be transferred from the ISV cloud funding account, so as to achieve a unified execution effect for multiple repayment businesses and improve repayment efficiency.

[0069] It should be noted that Figure 3 In the business framework diagram shown in Figure 1, the repayment source is the transaction account of consumer C. In actual applications, the repayment source can also be an intermediate settlement account, such as the transaction account of an operator. When the repayment source is an intermediate settlement account, the repayment process is the same as Figure 3The business process corresponding to the business framework shown is similar, the only difference is that the ISV transfers funds through the intermediate settlement account, that is, the ISV first transfers the amount in the transaction account of consumer C to the intermediate settlement account, and then the fund transaction system repays the amount from the intermediate settlement account to the cloud fund account of the online merchant.

[0070] In this embodiment, when an ISV or online merchant opens a corresponding cloud fund account through the cloud platform, there are usually the following two situations:

[0071] Case 1: The cloud funding account has not been opened. In this case, the party opening the account (i.e. ISV or online merchant) can send an account opening request to the cloud platform by triggering the account opening option on the corresponding front-end display interface of the cloud platform. Based on the account opening request, the cloud platform will review the party opening the account, and after the review is passed, the corresponding cloud funding account can be opened for the party opening the account. Among them, the audit object is generally to review whether the relevant information provided by the party opening the account is complete and in compliance with regulations.

[0072] Case 2: A cloud fund account has been opened. In this case, if the account opening object sends an account opening request to the cloud platform, the cloud platform will query the cloud fund account that the object has opened based on the account opening request, and display the queried account information (such as account name, account unique identification code, etc.) on the front-end display interface.

[0073] Before executing the repayment service, the SCP system may pre-establish a first binding relationship between each repayment service and the ISV, and a second binding relationship between the ISV and the online merchant. In one embodiment, the SCP system calls the repayment card binding interface in the fund processing system, and uses the repayment card binding interface to bind the ISV cloud fund account as the priority repayment account corresponding to each repayment service. The ISV entity name, cloud fund account number and other information corresponding to the ISV cloud fund account can be bound to the unique identification code corresponding to each repayment detail.

[0074] After the SCP system establishes the above binding relationship, it configures the account movement confirmation for the capital trading platform and the cloud platform, so that the capital trading platform has the right to make account movement confirmation for the ISV trading account, and the cloud platform has the authority to make account movement confirmation for the intermediate settlement account.

[0075] Figure 4 FIG. 1 is a schematic swim lane diagram of an SCP system for configuring a fund trading platform to determine a dynamic account in an embodiment. Figure 4 As shown in the figure, the SCP system performs the following configuration process for the capital trading platform to determine the dynamic account:

[0076] Step A1: The SCP system determines that the ISV has activated the automatic repayment mode and the repayment account type is a transaction account on the fund transaction platform.

[0077] Since the function of determining the active account of the capital transaction platform is mainly for the repayment source being the transaction account of the consumer on the capital transaction platform, the SCP system can determine the repayment account type of the repayment source before configuration.

[0078] Step A2: The SCP system requests subscription configuration information from the capital transaction platform.

[0079] The configuration information includes the account information of the ISV transaction account to be determined, that is, the capital transaction platform is requested to perform account determination on the ISV transaction account.

[0080] Step A3: The capital trading platform saves the subscription configuration information.

[0081] Step A4: The capital transaction platform returns the subscription result to the SCP system.

[0082] Step A5: The fund trading platform starts to confirm the account movement of the ISV trading account, and when it is determined that a fund change event occurs in the ISV trading account, the fund change information is returned to the SCP system.

[0083] Figure 5 FIG. 1 is a schematic swim lane diagram of an SCP system performing dynamic account determination configuration for a cloud platform in an embodiment. Figure 5 As shown in the figure, when the SCP system performs dynamic account determination configuration for the cloud platform, it mainly interacts with the deposit core and account center in the cloud platform. The specific process is as follows:

[0084] Step B1: The SCP system determines that the ISV has activated the automatic repayment mode and the repayment account is an intermediate settlement account.

[0085] Among them, since the function of the cloud platform to determine the dynamic account is mainly for the repayment source being the intermediate settlement account, the SCP system can determine the repayment account type of the repayment source before configuration.

[0086] Step B2: The SCP system queries the account information of the intermediate settlement account through the deposit core.

[0087] Step B3: The deposit core returns the account information of the intermediate settlement account to the SCP system.

[0088] Step B4: The SCP system requests the financial center to subscribe to configuration information.

[0089] The configuration information includes the account information of the intermediate settlement account to be determined, that is, the financial center is requested to determine the intermediate settlement account.

[0090] Step B5: The financial center saves the subscription configuration information.

[0091] Step B6: The financial center returns the subscription result to the SCP system.

[0092] Step B7: The financial center starts to confirm the movement of the intermediate settlement account, and when it is determined that a fund change event occurs in the intermediate settlement account, it returns the fund change information to the SCP system.

[0093] Figure 6 This is a schematic swimlane diagram of a method for handling funds in a contract purchase scenario in an embodiment. In this embodiment, the repayment business involves ISV, SCP system, XX trading platform and multiple modules on the cloud platform. The multiple modules on the cloud platform include the repayment core, loan core, cloud fund module, deposit core, payment acceptance, asset exchange and contract center. Among them, the contract center is not Figure 6 As shown in the figure, its main function is to manage the relevant agreements signed between the cloud platform and other platforms or systems. It should be noted that in this embodiment, the modules on the cloud platform are divided based on their different functions, and this is only an exemplary description. In actual scenarios, the modules on the cloud platform can be flexibly configured according to actual needs. Figure 6 As shown, the fund processing method includes the following steps:

[0094] Step C1: ISV and SCP system sign a debit agreement.

[0095] After signing the withholding agreement, the SCP system will send the withholding agreement back to the contract center of the cloud platform.

[0096] Step C2: ISV submits repayment details to the SCP system. The repayment details may include information such as consumer C's transaction bill, number of repayment installments, repayment time for each installment, and repayment amount for each installment.

[0097] Step C3: The SCP system signs a repayment service agreement with the cloud platform's lending core based on the repayment details. The repayment service agreement may specify the repayment source, number of repayment installments, repayment time for each installment, and repayment amount for each repayment detail submitted by the ISV. The repayment source may be the transaction account or intermediate settlement account of consumer C.

[0098] After signing the repayment service agreement, the cloud platform's lending core will send the repayment service agreement back to the contract center.

[0099] Step C4: The loan center stores the repayment details in the billing center.

[0100] Step C5: The SCP system binds the ISV cloud fund account as the repayment account through the repayment core of the cloud platform.

[0101] Step C6, the SCP system requests the cloud platform's lending core to activate the account and confirm the configuration.

[0102] Step C7.1: The lending core requests the XX payment platform to subscribe to configuration information.

[0103] Step C7.2: The lending core requests the deposit core to subscribe to configuration information.

[0104] Among them, the method of requesting XX payment platform subscription configuration information is already in Figure 4 In the embodiment shown, the method for requesting the deposit core subscription configuration information is described in detail in Figure 5 The details are described in the illustrated embodiment, so they will not be described again here.

[0105] Step C8.1: When the XX payment platform determines that a fund change event occurs in the ISV transaction account, the fund change information is sent to the SCP system.

[0106] Step C8.2: When the deposit core determines that a fund change event occurs in the intermediate settlement account, it sends fund change information to the SCP system.

[0107] Step C9.1: The SCP system queries the withholding agreement based on the funds change information.

[0108] In this step, the purpose of querying the withholding agreement is to determine the ISV cloud funding account used to repay the online merchant.

[0109] Step C9.2: The SCP system transfers funds from the ISV transaction account or intermediate settlement account to the ISV cloud fund account and feeds back to the deposit core.

[0110] Step C10: The SCP system determines the repayment business that has reached the repayment date.

[0111] Step C11: The SCP system assembles repayment parameters, generates a repayment order, and sends it to the repayment core of the cloud platform.

[0112] The process of assembling repayment parameters includes determining the ISV cloud fund account (i.e., the resource transferor) and the online merchant cloud fund account (i.e., the resource transferor) corresponding to the current repayment business. The repayment parameters may include the repayment source (such as the consumer's transaction account or intermediate settlement account), the ISV cloud fund account, the online merchant cloud fund account, the repayment amount, etc.

[0113] Step C12: The repayment core requests payment acceptance trustee services.

[0114] Step C13: Payment acceptance transfers funds from the ISV cloud fund account to the online merchant's cloud fund account through asset exchange, and then feeds back to the deposit core.

[0115] Step C14: The SCP system deletes the repayment order.

[0116] In addition, for consumers who actively repay, the SCP system can verify the active repayment business, including verifying the consumer's contract purchase agreement, repayment details, ISV cloud funding account (i.e. resource transferor) and online merchant cloud funding account (i.e. resource transferee), etc. Once the verification is passed, the cloud platform's repayment core can request payment acceptance to make corresponding deductions and then delete the consumer's repayment details.

[0117] It can be seen that this embodiment achieves the effect of real-time attention to the repayment business, making the repayment business controllable and improving the credit of ISV. In addition, since the cloud platform belongs to the internal platform of the fund processing system, by transferring funds from the ISV cloud fund account to the cloud resource account of the online merchant, the repayment business no longer depends on a third-party platform (such as an external trading platform), avoiding the situation that is prone to various risks when relying on a third-party platform for repayment, realizing a closed loop of funds in the repayment business, and ensuring the security of funds.

[0118] In one embodiment, the SCP system can open a direct payment channel between the consumer's transaction account on the fund transaction platform and the online merchant's cloud fund account through the cloud fund module of the cloud platform, so that the frozen funds in the consumer's transaction account can be directly transferred to the online merchant's cloud fund account after unfreezing, thereby realizing a closed loop of funds from the consumer's transaction account to the online merchant's cloud fund account, simplifying the execution process of the repayment business and improving the efficiency of the repayment business.

[0119] In summary, specific embodiments of the present subject matter have been described. Other embodiments are within the scope of the appended claims. In some cases, the actions recorded in the claims can be performed in a different order and still achieve the desired results. In addition, the processes depicted in the accompanying drawings do not necessarily require the specific order or sequential order shown to achieve the desired results. In some embodiments, multitasking and parallel processing can be advantageous.

[0120] The above is a resource processing method provided in one or more embodiments of this specification. Based on the same idea, one or more embodiments of this specification also provide a resource processing device.

[0121] Figure 7 is a schematic block diagram of a resource processing device according to an embodiment of this specification, such as Figure 7 As shown, the device comprises:

[0122] A first determination module 710 determines a target resource transfer service that meets a resource transfer condition;

[0123] The second determination module 720 determines a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform;

[0124] The third determination module 730 determines the target resource transfer amount corresponding to the resource transfer-out account;

[0125] The first transfer-out module 740 transfers a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account.

[0126] In one embodiment, the resource transfer-out account includes a second cloud resource account opened by the resource transferor through the resource processing system.

[0127] In one embodiment, the apparatus further comprises:

[0128] The acquisition module, before determining the target resource transfer service that meets the resource transfer conditions, acquires resource change information of a first resource source party associated with the resource transferor; the resource change information includes the resource change amount of the first resource source party; the first resource source party includes: a first transaction account of the resource transferor on a designated resource transaction platform, and / or an intermediate settlement account opened through the cloud platform;

[0129] The second transfer module transfers the second resource matching the resource change amount from the first resource source to the second cloud resource account according to the resource change information.

[0130] In one embodiment, the apparatus further comprises:

[0131] a judgment module, before obtaining the resource change information of the first resource source party associated with the resource transferor, judging through the resource trading platform whether a resource change event has occurred in the first trading account; and / or judging whether a resource change event has occurred in the intermediate settlement account;

[0132] The first generating module, if so, generates resource change information corresponding to the first resource source.

[0133] In one embodiment, the second transfer module includes:

[0134] A first acquisition unit acquires a pre-established association relationship between the account information of the first resource source party and the cloud resource account corresponding to the resource transferor;

[0135] A first determining unit, which determines the second cloud resource account associated with the first resource source according to the association relationship and the account information of the first resource source; wherein the account information of the first resource source is carried in the resource change information;

[0136] The first transfer-out unit transfers the second resource from the first resource source to the second cloud resource account.

[0137] In one embodiment, the apparatus further comprises:

[0138] A first establishing module, before determining the target resource transfer service that meets the resource transfer condition, establishing a first binding relationship between each resource transfer service and the resource transferor;

[0139] The first determining module 720 includes:

[0140] A second determining unit, determining the resource transferor corresponding to the target resource transfer service according to the first binding relationship;

[0141] The third determining unit determines the second cloud resource account corresponding to the resource transferor according to the association relationship between the resource transferor and the second cloud resource account pre-stored in the cloud platform.

[0142] In one embodiment, the apparatus further comprises:

[0143] A second establishing module, before determining the target resource transfer service that meets the resource transfer condition, establishing a second binding relationship between the resource transferor and the resource transferee;

[0144] The first determining module 720 further includes:

[0145] A fourth determining unit, which determines the resource transferee corresponding to the resource transferor according to the second binding relationship;

[0146] The fifth determining unit determines the cloud resource account corresponding to the resource transferee according to the association relationship between the resource transferee and the cloud resource account pre-stored in the cloud platform.

[0147] In one embodiment, the apparatus further comprises:

[0148] A first receiving module receives resource transfer service information sent by the resource transferor before determining the target resource transfer service that meets the resource transfer condition; the resource transfer service information includes at least one of a resource transfer date, a resource transfer amount, a resource transfer frequency, and a resource transfer number corresponding to each resource transfer service;

[0149] The second determining module 730 includes:

[0150] A sixth determining unit, determining the resource transfer amounts corresponding to the target resource transfer services respectively;

[0151] A seventh determining unit determines the target resource transfer amount corresponding to the resource transfer-out account according to the resource transfer amounts respectively corresponding to the target resource transfer services.

[0152] In one embodiment, the first determining module 710 includes:

[0153] A judgment unit, judging whether the current time reaches the resource transfer date corresponding to the resource transfer service according to the resource transfer service information;

[0154] an eighth determining unit, if yes, determining that the resource transfer service is the target resource transfer service that satisfies the resource transfer condition;

[0155] The resource transfer condition includes: the current time reaches the resource transfer date.

[0156] In one embodiment, the apparatus further comprises:

[0157] A second receiving module, before determining the target resource transfer service that meets the resource transfer condition, receives an account activation request for the second cloud resource account sent by the resource transferor; the account activation request carries the identification information of the resource transferor;

[0158] A judgment module, which judges whether the account information of the second cloud resource account corresponding to the resource transferor is stored in the resource processing system according to the identification information of the resource transferor;

[0159] The feedback module, if yes, feeds back the account information of the second cloud resource account to the resource transferor;

[0160] The creation module creates the second cloud resource account for the resource transferor if not, and establishes an association relationship between the account information of the second cloud resource account and the identification information of the resource transferor.

[0161] In one embodiment, the apparatus further comprises:

[0162] A second generating module, after determining the target resource transfer amount corresponding to the resource transfer-out account, generates a resource transfer business order corresponding to the target resource transfer business; the resource transfer business order includes at least one of the second cloud resource account corresponding to the resource transferor, the cloud resource account corresponding to the resource transferee, the target resource transfer amount, and the first resource source;

[0163] The first transfer module 740 includes:

[0164] a second transfer-out unit, which transfers the first resource from the second cloud resource account to the cloud resource account according to the resource transfer service order, and generates a resource transfer result;

[0165] The deleting unit deletes the resource transfer service order if the resource transfer result is that the resource transfer is successful.

[0166] In one embodiment, the resource transfer-out account includes: a second transaction account of the second resource source party on a designated resource transaction platform;

[0167] The first transfer module 740 includes:

[0168] The third transfer-out unit transfers the first resource matching the target resource transfer amount from the second transaction account to the cloud resource account.

[0169] Those skilled in the art should understand that the above-mentioned resource processing device can be used to implement the resource processing method described above, and the detailed description thereof should be similar to the description of the method part above, and will not be further described here to avoid redundancy.

[0170] The device using one or more embodiments of the present specification determines the target resource transfer business that meets the resource transfer conditions in real time, and determines the resource transfer account of the resource transferor corresponding to the target resource transfer business, the cloud resource account opened by the resource transferee through the cloud platform, and the target resource transfer amount, and then transfers the first resource matching the target resource transfer amount from the resource transfer account to the cloud resource account, so that the resource transfer business has controllability and improves the credibility of the resource transferor. In addition, since the cloud platform belongs to the internal platform of the resource processing system, by transferring resources from the resource transferor's resource transfer account to the resource transferee's cloud resource account, the resource transfer business no longer depends on a third-party platform (such as an external trading platform), avoiding the situation that various risks are easily caused when relying on a third-party platform for resource transfer, realizing a closed loop of resources in the resource transfer business, and ensuring the security of resource transfer.

[0171] Based on the same idea, one or more embodiments of this specification also provide a resource processing system.

[0172] Figure 8 is a schematic block diagram of a resource processing system according to an embodiment of this specification, such as Figure 8 As shown, the system includes:

[0173] The supply chain system 810 determines a target resource transfer business that meets the resource transfer conditions; determines a resource transfer-out account of a resource transferor corresponding to the target resource transfer business, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer business through the cloud platform 820; determines a target resource transfer amount corresponding to the resource transfer-out account; generates a resource transfer request according to the target resource transfer amount, and sends the resource transfer request to the cloud platform 820;

[0174] The cloud platform 820 transfers the first resource matching the target resource transfer amount from the resource transfer account to the cloud resource account according to the resource transfer request sent by the supply chain system 810

[0175] In one embodiment, the resource transfer-out account includes a second cloud resource account opened by the resource transferor through the resource processing system;

[0176] The supply chain system 810, before determining the target resource transfer business that meets the resource transfer conditions, obtains resource change information of the first resource source party associated with the resource transferor; the resource change information includes the resource change amount of the first resource source party; the first resource source party includes: the first transaction account of the resource transferor on the resource transaction platform, and / or, the intermediate settlement account opened through the cloud platform 820; according to the resource change information, the second resource of the first resource source party that matches the resource change amount is transferred to the second cloud resource account.

[0177] In one embodiment, the system further comprises a resource trading platform;

[0178] The resource trading platform determines whether a resource change event occurs in the first trading account; if so, generates the resource change information corresponding to the first trading account and sends it to the supply chain system 810;

[0179] The cloud platform 820 determines whether a resource change event has occurred in the intermediate settlement account; if so, generates the resource change information corresponding to the intermediate settlement account and sends it to the supply chain system 810.

[0180] Those skilled in the art should understand that the above-mentioned resource processing system can be used to implement the resource processing method described above, and the detailed description thereof should be similar to the description of the method part above, and will not be further described here to avoid redundancy.

[0181] The system using one or more embodiments of the present specification determines the target resource transfer business that meets the resource transfer conditions in real time, and determines the resource transfer account of the resource transferor corresponding to the target resource transfer business, the cloud resource account opened by the resource transferee through the cloud platform, and the target resource transfer amount, and then transfers the first resource matching the target resource transfer amount from the resource transfer account to the cloud resource account, so that the resource transfer business is controllable and the credibility of the resource transferor is improved. In addition, since the cloud platform belongs to the internal platform of the resource processing system, the resource is transferred from the resource transferor's resource transfer account to the resource transferee's cloud resource account, so that the resource transfer business no longer depends on a third-party platform (such as an external trading platform), avoiding the situation that various risks are easily caused when relying on a third-party platform for resource transfer, realizing a closed loop of resources in the resource transfer business, and ensuring the security of resource transfer.

[0182] Based on the same idea, one or more embodiments of this specification also provide a resource processing device, such as Fig. 9 As shown. The resource processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 901 and memory 902, and the memory 902 may store one or more storage applications or data. Among them, the memory 902 can be a short-term storage or a persistent storage. The application stored in the memory 902 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the resource processing device. Furthermore, the processor 901 can be configured to communicate with the memory 902 and execute a series of computer executable instructions in the memory 902 on the resource processing device. The resource processing device may also include one or more power supplies 903, one or more wired or wireless network interfaces 904, one or more input and output interfaces 905, and one or more keyboards 906.

[0183] Specifically in this embodiment, the resource processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the resource processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following:

[0184] Determine the target resource transfer business that meets the resource transfer conditions;

[0185] Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer service, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform;

[0186] Determine the target resource transfer amount corresponding to the resource transfer-out account;

[0187] A first resource matching the target resource transfer amount is transferred from the resource transfer-out account to the cloud resource account.

[0188] One or more embodiments of the present specification also propose a storage medium, which stores one or more computer programs. The one or more computer programs include instructions. When the instructions are executed by an electronic device including multiple applications, the electronic device can execute the various processes of the above-mentioned resource processing method embodiment and achieve the same technical effect. To avoid repetition, they are not repeated here.

[0189] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0190] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing one or more embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0191] Those skilled in the art will appreciate that one or more embodiments of this specification may be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, one or more embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0192] One or more embodiments of the present specification are described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to the embodiments of the present specification. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0193] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0194] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0195] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0196] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0197] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0198] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0199] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0200] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0201] The above description is only one or more embodiments of this specification and is not intended to limit this specification. For those skilled in the art, one or more embodiments of this specification may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of this specification shall be included in the scope of the claims of one or more embodiments of this specification.

Claims

1. A resource processing method, applied to a resource processing system, comprising: Determine the target resource transfer business that meets the resource transfer conditions; Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer service, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform; Determine the target resource transfer amount corresponding to the resource transfer-out account; Transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account; The resource transfer-out account includes: a second cloud resource account opened by the resource transferor through the cloud platform; The method further comprises: If resource change information of a first resource source party associated with the resource transferor is received, according to the resource change information, a second resource matching the resource change amount of the first resource source party is transferred from the first resource source party to the second cloud resource account of the resource transferor party; Among them, the resource transferor includes: an intermediary service provider authorized by the consumer; the first resource source includes: the first transaction account of the intermediary service provider on the designated resource transaction platform; the resource change information includes: the resource change information generated and sent when a fund change event occurs in the first transaction account, and the fund change event is generated by the intermediary service provider unfreezing the consumer's funds; the cloud platform is the internal platform of the resource processing system.

2. According to the method of claim 1, the resource change information includes the resource change amount of the first resource source; the first resource source also includes: The resource transferor opens an intermediate settlement account through the cloud platform.

3. The method according to claim 2, before obtaining the resource change information of the first resource source party associated with the resource transferor, further comprising: Determining, through the resource trading platform, whether a resource change event has occurred in the first trading account; and / or, determining whether a resource change event has occurred in the intermediate settlement account; If so, generate resource change information corresponding to the first resource source.

4. The method according to claim 1, wherein the transferring, according to the resource change information, from the first resource source party a second resource matching the resource change amount to the second cloud resource account comprises: Acquire a pre-established association relationship between the account information of the first resource source party and the cloud resource account corresponding to the resource transferor; Determine the second cloud resource account associated with the first resource source according to the association relationship and the account information of the first resource source; wherein the account information of the first resource source is carried in the resource change information; The second resource is transferred from the first resource source to the second cloud resource account.

5. The method according to claim 1, before determining the target resource transfer service that meets the resource transfer condition, further comprising: Establishing a first binding relationship between each resource transfer service and the resource transferor; The determining of a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through the cloud platform, includes: Determining the resource transferor corresponding to the target resource transfer service according to the first binding relationship; The second cloud resource account corresponding to the resource transferor is determined according to the association relationship between the resource transferor and the second cloud resource account pre-stored in the cloud platform.

6. The method according to claim 5, before determining the target resource transfer service that meets the resource transfer condition, further comprising: Establishing a second binding relationship between the resource transferor and the resource transferee; The determining of the resource transfer-out account of the resource transferor corresponding to the target resource transfer service and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform also includes: Determining the resource transferee corresponding to the resource transferor according to the second binding relationship; The cloud resource account corresponding to the resource transferee is determined according to the association relationship between the resource transferee and the cloud resource account pre-stored in the cloud platform.

7. The method according to claim 1, before determining the target resource transfer service that meets the resource transfer condition, further comprising: receiving resource transfer service information sent by the resource transferor; the resource transfer service information includes at least one of a resource transfer date, a resource transfer amount, a resource transfer frequency, and a resource transfer number corresponding to each resource transfer service; The determining of the target resource transfer amount corresponding to the resource transfer-out account includes: Determine the resource transfer amount corresponding to each of the target resource transfer services; The target resource transfer amount corresponding to the resource transfer-out account is determined according to the resource transfer amounts respectively corresponding to the target resource transfer services.

8. The method according to claim 7, wherein determining a target resource transfer service that satisfies a resource transfer condition comprises: According to the resource transfer service information, determining whether the current time reaches the resource transfer date corresponding to the resource transfer service; If so, determining that the resource transfer service is the target resource transfer service that satisfies the resource transfer condition; The resource transfer condition includes: the current time reaches the resource transfer date.

9. The method according to claim 1, before determining the target resource transfer service that meets the resource transfer condition, further comprising: Receiving an account activation request for the second cloud resource account sent by the resource transferor; The account opening request carries the identification information of the resource transferor; According to the identification information of the resource transferor, determining whether the account information of the second cloud resource account corresponding to the resource transferor is stored in the resource processing system; If yes, feeding back the account information of the second cloud resource account to the resource transferor; If not, then creating the second cloud resource account for the resource transferor, and establishing an association relationship between the account information of the second cloud resource account and the identification information of the resource transferor.

10. The method according to claim 1, after determining the target resource transfer amount corresponding to the resource transfer-out account, further comprising: Generate a resource transfer service form corresponding to the target resource transfer service; The resource transfer business order includes at least one of the second cloud resource account corresponding to the resource transferor, the cloud resource account corresponding to the resource transferee, the target resource transfer amount, and the first resource source; The transferring out the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account includes: According to the resource transfer business order, transferring the first resource from the second cloud resource account to the cloud resource account, and generating a resource transfer result; If the resource transfer result is that the resource transfer is successful, the resource transfer service order is deleted.

11. The method according to claim 1, wherein the resource transfer-out account comprises: The second transaction account of the second resource source party on the designated resource transaction platform; The transferring out the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account includes: A first resource matching the target resource transfer amount is transferred from the second transaction account to the cloud resource account.

12. A resource processing device, applied to a resource processing system, comprising: A first determination module determines a target resource transfer service that meets a resource transfer condition; The second determination module determines a resource transfer-out account of a resource transferor corresponding to the target resource transfer service, and a cloud resource account opened by a resource transferee corresponding to the target resource transfer service through a cloud platform; A third determination module determines the target resource transfer amount corresponding to the resource transfer-out account; A first transfer-out module, transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account; The resource transfer-out account includes: a second cloud resource account opened by the resource transferor through the cloud platform; The device also includes: A second transfer-out module is configured to transfer, if receiving resource change information from a first resource source party associated with the resource transferor, a second resource matching the resource change amount of the first resource source party from the first resource source party to the second cloud resource account of the resource transferor party according to the resource change information; Among them, the resource transferor includes: an intermediary service provider authorized by the consumer; the first resource source includes: the first transaction account of the intermediary service provider on the designated resource transaction platform; the resource change information includes: the resource change information generated and sent when a fund change event occurs in the first transaction account, and the fund change event is generated by the intermediary service provider unfreezing the consumer's funds; the cloud platform is the internal platform of the resource processing system.

13. The device according to claim 12, wherein the resource change information includes a resource change amount of the first resource source; the first resource source further includes: The resource transferor opens an intermediate settlement account through the cloud platform.

14. The apparatus according to claim 13, further comprising: a judgment module, before obtaining the resource change information of the first resource source party associated with the resource transferor, judging through the resource trading platform whether a resource change event has occurred in the first trading account; and / or judging whether a resource change event has occurred in the intermediate settlement account; The first generating module, if so, generates resource change information corresponding to the first resource source.

15. The device according to claim 13, wherein the second transfer module comprises: A first acquisition unit acquires a pre-established association relationship between the account information of the first resource source party and the cloud resource account corresponding to the resource transferor; A first determining unit, which determines the second cloud resource account associated with the first resource source according to the association relationship and the account information of the first resource source; wherein the account information of the first resource source is carried in the resource change information; The first transfer-out unit transfers the second resource from the first resource source to the second cloud resource account.

16. A resource processing system, comprising: Supply chain system, determine the target resource transfer business that meets the resource transfer conditions; Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer service, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform; Determine the target resource transfer amount corresponding to the resource transfer-out account; Generating a resource transfer request according to the target resource transfer amount, and sending the resource transfer request to the cloud platform; The cloud platform, according to the resource transfer request sent by the supply chain system, transfers the first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account; The resource transfer-out account includes: a second cloud resource account opened by the resource transferor through the cloud platform; The supply chain system is further configured to: if resource change information of a first resource source party associated with the resource transferor is received, transfer a second resource matching the resource change amount of the first resource source party from the first resource source party to the second cloud resource account of the resource transferor party according to the resource change information; Among them, the resource transferor includes: an intermediary service provider authorized by the consumer; the first resource source includes: the first transaction account of the intermediary service provider on the designated resource transaction platform; the resource change information includes: the resource change information generated and sent when a fund change event occurs in the first transaction account, and the fund change event is generated by the intermediary service provider unfreezing the consumer's funds; the cloud platform is the internal platform of the resource processing system.

17. The system according to claim 16, wherein the resource change information includes a resource change amount of the first resource source; the first resource source further includes: The resource transferor opens an intermediate settlement account through the cloud platform.

18. The system according to claim 17, further comprising a resource trading platform; The resource trading platform determines whether a resource change event occurs in the first trading account; if so, generates the resource change information corresponding to the first trading account and sends it to the supply chain system; The cloud platform determines whether a resource change event occurs in the intermediate settlement account; if so, generates the resource change information corresponding to the intermediate settlement account and sends it to the supply chain system.

19. A resource processing device, applied to a resource processing system, comprising a processor and a memory electrically connected to the processor, the memory storing a computer program, the processor being configured to call and execute the computer program from the memory to implement: Determine the target resource transfer business that meets the resource transfer conditions; Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer service, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform; Determine the target resource transfer amount corresponding to the resource transfer-out account; Transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account; in, The resource transfer-out account includes: a second cloud resource account opened by the resource transferor through the cloud platform; The processor is further configured to call and execute the computer program from the memory to implement: If resource change information of a first resource source party associated with the resource transferor is received, according to the resource change information, a second resource matching the resource change amount of the first resource source party is transferred from the first resource source party to the second cloud resource account of the resource transferor party; Among them, the resource transferor includes: an intermediary service provider authorized by the consumer; the first resource source includes: the first transaction account of the intermediary service provider on the designated resource transaction platform; the resource change information includes: the resource change information generated and sent when a fund change event occurs in the first transaction account, and the fund change event is generated by the intermediary service provider unfreezing the consumer's funds; the cloud platform is the internal platform of the resource processing system.

20. A storage medium, applied to a resource processing system, the storage medium is used to store a computer program, the computer program can be executed by a processor to implement the following process: Determine the target resource transfer business that meets the resource transfer conditions; Determine the resource transfer-out account of the resource transferor corresponding to the target resource transfer service, and the cloud resource account opened by the resource transferee corresponding to the target resource transfer service through the cloud platform; Determine the target resource transfer amount corresponding to the resource transfer-out account; Transferring a first resource matching the target resource transfer amount from the resource transfer-out account to the cloud resource account; in, The resource transfer-out account includes: a second cloud resource account opened by the resource transferor through the cloud platform; The computer program can also be executed by a processor to implement: If resource change information of a first resource source party associated with the resource transferor is received, according to the resource change information, a second resource matching the resource change amount of the first resource source party is transferred from the first resource source party to the second cloud resource account of the resource transferor party; Among them, the resource transferor includes: an intermediary service provider authorized by the consumer; the first resource source includes: the first transaction account of the intermediary service provider on the designated resource transaction platform; the resource change information includes: the resource change information generated and sent when a fund change event occurs in the first transaction account, and the fund change event is generated by the intermediary service provider unfreezing the consumer's funds; the cloud platform is the internal platform of the resource processing system.

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