Method, device, electronic device and storage medium for determining resource transfer link

Abstract

The application provides a method and device for determining a resource transfer link, electronic equipment and a storage medium, and belongs to the technical field of Internet. The method comprises the following steps: acquiring at least one resource transfer instruction related to a resource transfer service; determining an execution order priority sequence of the at least one resource transfer instruction based on a first type of priority of at least one resource transfer parameter and a second type of priority corresponding to different parameter values of each resource transfer parameter; determining an execution order of the at least one resource transfer instruction based on the execution order priority sequence of the at least one resource transfer instruction; and constructing a resource transfer link of the resource transfer service based on the at least one resource transfer instruction and the execution order. The application can dynamically determine the execution order corresponding to each resource transfer instruction based on the resource transfer parameters included in the at least one resource transfer instruction, meet the flexible and variable requirements of the resource transfer service, and improve the resource transfer efficiency.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of Internet, and in particular relates to a method and device for determining a resource transfer link, an electronic device and a storage medium. BACKGROUND

[0002] With the development of resource transfer tools, non-cash resource transfer tools (for example, coupons, financial products, etc.) can directly participate in the resource transfer process, which makes the resource transfer business more and more complex, and accordingly the resource transfer link corresponding to the resource transfer business also becomes flexible and changeable. The resource transfer link refers to a path formed by a plurality of ordered resource transfer instructions related to the resource transfer business. Since the resource transfer link determines the flow direction of resources in the resource transfer process, once the resource transfer link is wrong, it will cause a resource security problem. Therefore, how to determine the resource transfer link becomes the key to ensure the smooth progress of the resource transfer business.

[0003] The related technology adopts a hard coding manner to pre-configure different resource transfer links for different resource transfer businesses. When a resource transfer request for a certain resource transfer business is received, the resource transfer link corresponding to the resource transfer business is obtained based on the pre-configured correspondence between the resource transfer business and the resource transfer link, and then the resource transfer business is processed based on the resource transfer link.

[0004] However, the related technology for determining the resource transfer link is not flexible enough and cannot adapt to the flexible and changeable needs of the resource transfer business, resulting in low processing efficiency of the resource transfer business. For example, when the resource transfer business changes, if the resource transfer link corresponding to the resource transfer business is not pre-configured, the resource transfer business cannot be processed. SUMMARY

[0005] The embodiments of the present application provide a method and device for determining a resource transfer link, an electronic device and a storage medium, which can flexibly determine the corresponding resource transfer link according to different resource transfer businesses, meet the flexible and changeable needs of the resource transfer business, and improve the processing efficiency of the resource transfer business. The technical solution is as follows:

[0006] In a first aspect, a method for determining a resource transfer link is provided, and the method comprises:

[0007] Obtaining at least one resource transfer instruction related to a resource transfer business, wherein the resource transfer instruction comprises at least one resource transfer parameter, and the resource transfer parameter is a parameter affecting the resource transfer business;

[0008] determine an execution order priority sequence of the at least one resource transfer instruction based on a first type of priority of the at least one resource transfer parameter and a second type of priority corresponding to different parameter values of each of the resource transfer parameters, the first type of priority being used to indicate a sequence position of the resource transfer parameter in the execution order priority sequence, different sequence positions in the execution order priority sequence corresponding to different execution priorities, and the second type of priority being used to indicate an execution order of the resource transfer parameter with different parameter values at a same sequence position;

[0009] determine an execution order of the at least one resource transfer instruction based on the execution order priority sequence of the at least one resource transfer instruction;

[0010] construct a resource transfer link of the resource transfer service based on the at least one resource transfer instruction and the execution order.

[0011] In another embodiment of the present application, the obtaining of the at least one resource transfer instruction related to the resource transfer service comprises:

[0012] determining the at least one resource transfer instruction based on a service scenario of the resource transfer service and a resource transfer tool used by the resource transfer service, the resource transfer tool being a carrier of the resource to be transferred.

[0013] In another embodiment of the present application, the determining of the execution order priority sequence of the at least one resource transfer instruction based on the first type of priority of the at least one resource transfer parameter and the second type of priority corresponding to different parameter values of each of the resource transfer parameters comprises:

[0014] determining a sorting position of each of the resource transfer parameters in a corresponding execution order priority sequence of each of the resource transfer instructions based on a type of the resource transfer parameter included in each of the resource transfer instructions and the first type of priority of each of the resource transfer parameters;

[0015] determining a second type of priority of each of the resource transfer parameters at the corresponding sorting position in each of the resource transfer instructions based on a parameter value of the resource transfer parameter included in each of the resource transfer instructions and the second type of priority corresponding to different parameter values of each of the resource transfer parameters, to obtain the execution order priority sequence corresponding to each of the resource transfer instructions.

[0016] In another embodiment of the present application, before the determining of the execution order priority sequence of the at least one resource transfer instruction based on the first type of priority of the at least one resource transfer parameter and the second type of priority corresponding to different parameter values of each of the resource transfer parameters, the method further comprises:

[0017] different first priorities are configured for at least one of the resource transfer parameters according to the influence degree of the resource transfer parameter on the resource transfer service;

[0018] different second priorities are configured for different parameter values of each of the resource transfer parameters according to the resource processing mode corresponding to the parameter value of the resource transfer parameter.

[0019] In another embodiment of the present application, the execution order of at least one of the resource transfer instructions is determined based on the execution order priority sequence of the at least one of the resource transfer instructions, and the execution order priority sequence of the at least one of the resource transfer instructions is determined according to at least one of the following:

[0020] the second priority in each of the sorting positions in the execution order priority sequence of the at least one of the resource transfer instructions is traversed;

[0021] the execution order of the at least one of the resource transfer instructions is determined according to the order from front to back of the sorting positions and from high to low of the second priority in the same sorting position.

[0022] In another embodiment of the present application, the method further includes at least one of the following:

[0023] the first priority of a target resource transfer parameter is updated in response to a first update instruction for the target resource transfer parameter, the target resource transfer parameter including a newly added resource transfer parameter or all or part of the at least one of the resource transfer parameters;

[0024] the second priority corresponding to different parameter values of any of the resource transfer parameters is updated in response to a second update instruction for the resource transfer parameter.

[0025] In another embodiment of the present application, the resource transfer parameter includes at least one of a resource transfer execution phase, a home side of a resource to be transferred, a transfer action of the resource to be transferred, a type of a resource transfer tool, and an identifier of the resource transfer tool.

[0026] In a second aspect, a device for determining a resource transfer link is provided, and the device includes:

[0027] an acquisition module configured to acquire at least one resource transfer instruction related to a resource transfer service, the resource transfer instruction including at least one resource transfer parameter, the resource transfer parameter being a parameter affecting the resource transfer service;

[0028] The first determining module is configured to determine an execution sequence priority sequence of at least one resource transfer instruction based on a first type of priority of at least one resource transfer parameter and a second type of priority corresponding to different parameter values of each resource transfer parameter, wherein the first type of priority is used to indicate a sequence position of the resource transfer parameter in the execution sequence priority sequence, different sequence positions in the execution sequence priority sequence correspond to different execution priorities, and the second type of priority is used to indicate an execution sequence of the resource transfer parameter with different parameter values at the same sequence position.

[0029] The second determining module is configured to determine an execution sequence of at least one resource transfer instruction based on the execution sequence priority sequence of the at least one resource transfer instruction.

[0030] The constructing module is configured to construct a resource transfer link of the resource transfer service based on the at least one resource transfer instruction and the execution sequence.

[0031] In another embodiment of the present application, the obtaining module is configured to determine the at least one resource transfer instruction based on a service scenario of the resource transfer service and a resource transfer tool used by the resource transfer service, wherein the resource transfer tool is a carrier of the resource to be transferred.

[0032] In another embodiment of the present application, the first determining module is configured to determine a sequence position of each resource transfer parameter in a corresponding execution sequence priority sequence based on a type of the resource transfer parameter included in each resource transfer instruction and a first type of priority of each resource transfer parameter; and determine a second type of priority of each resource transfer parameter at the corresponding sequence position in each resource transfer instruction based on a parameter value of the resource transfer parameter included in each resource transfer instruction and a second type of priority corresponding to different parameter values of each resource transfer parameter, to obtain the execution sequence priority sequence corresponding to each resource transfer instruction.

[0033] In another embodiment of the present application, the apparatus further includes:

[0034] The first configuring module is configured to configure different first type of priorities for at least one resource transfer parameter according to an influence degree of the resource transfer parameter on a resource transfer service.

[0035] The second configuring module is configured to configure different second type of priorities for different parameter values of each resource transfer parameter according to a resource processing mode corresponding to each resource transfer parameter.

[0036] In another embodiment of this application, the second determining module is used to traverse the second priority at each sorting position in the execution order priority sequence of at least one resource transfer instruction; and determine the execution order for at least one resource transfer instruction according to the order of sorting position from front to back and the order of second priority at the same sorting position from high to low.

[0037] In another embodiment of this application, the device further includes at least one of the following modules:

[0038] The first update module is configured to update the first priority of the target resource transfer parameters in response to a first update instruction for the target resource transfer parameters, wherein the target resource transfer parameters include newly added resource transfer parameters or all or part of at least one of the resource transfer parameters;

[0039] The second update module is used to update the second priority corresponding to different parameter values ​​in the resource transfer parameters in response to a second update instruction for any of the resource transfer parameters.

[0040] In another embodiment of this application, the resource transfer parameters include at least one of the following: resource transfer execution stage, owner of the resource to be transferred, transfer action of the resource to be transferred, type of resource transfer tool, and identifier of resource transfer tool.

[0041] Thirdly, an electronic device is provided, the electronic device including a processor and a memory, the memory storing at least one piece of program code, the at least one piece of program code being loaded and executed by the processor to implement the method for determining resource transfer links as described in the first aspect.

[0042] Fourthly, a computer-readable storage medium is provided, wherein at least one piece of program code is stored therein, the at least one piece of program code being loaded and executed by a processor to implement the method for determining resource transfer links as described in the first aspect.

[0043] Fifthly, a computer program product is provided, the computer program product including computer program code stored in a computer-readable storage medium, a processor of an electronic device reading the computer program code from the computer-readable storage medium, the processor executing the computer program code, causing the electronic device to perform the method for determining resource transfer links as described in the first aspect.

[0044] The beneficial effects of the technical solutions provided in this application are:

[0045] The resource transfer link is not configured in advance for different resource transfer services, but is configured for different resource transfer parameters based on resource transfer parameters contained in resource transfer instructions related to the resource transfer service, a first priority is configured for each resource transfer parameter to indicate its sequence position in the execution sequence priority sequence, and a second priority is configured for different parameter values of each resource transfer parameter to indicate its execution sequence at the same sequence position. When processing the actual resource transfer service, the execution sequence of each resource transfer instruction is determined based on the first priority and the second priority for the resource transfer instructions contained in the resource transfer service, and then the corresponding resource transfer link is constructed for the resource transfer service. Since the resource transfer service and the resource transfer link are not solidified, but the resource transfer parameters are dynamically configured, the scalability of the resource transfer link is improved, the flexible and variable requirements of the resource transfer service are met, and the resource transfer efficiency is higher in this way. BRIEF DESCRIPTION OF DRAWINGS

[0046] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed in the embodiment description will be briefly introduced. Obviously, the drawings in the following description are only some embodiments of the present application, and other drawings can be obtained by those skilled in the art without creative labor.

[0047] Figure 1 is a method flow chart for determining a resource transfer link provided by an embodiment of the present application;

[0048] Figure 2 is a schematic diagram of a first priority sequence of different resource transfer parameters provided by an embodiment of the present application;

[0049] Figure 3 is a schematic diagram of a device structure for determining a resource transfer link provided by an embodiment of the present application;

[0050] Figure 4 shows a structural block diagram of an electronic device provided by an example embodiment of the present application. DETAILED DESCRIPTION

[0051] In order to make the purpose, technical solutions and advantages of the present application more clear, the embodiments of the present application will be further described in detail below with reference to the drawings.

[0052] It can be understood that the terms "each", "multiple", "any" and the like used in the embodiments of the present application include two or more, each refers to each of the corresponding plurality, and any refers to any one of the corresponding plurality. For example, the multiple words include 10 words, and each word refers to each of the 10 words, and any word refers to any one of the 10 words.

[0053] It should be noted that all the actions of obtaining signals, information or data in the present application are carried out in accordance with the corresponding data protection regulations and policies of the country where the device is located, and with the authorization given by the owner of the corresponding device.

[0054] In the field of Internet technology, the essence of payment is actually the process of fund transfer from the payer to the payee. To complete a payment, a series of ordered payment instruction sets need to be executed to form a payment link. At present, the third-party payment system generally adopts a hard-coded way, which is individualized programming for different fund flow link in different payment scenarios to support payment business. However, this way has high development cost and low payment efficiency, and cannot quickly empower payment business, and the overall transaction payment link is not flexible enough. In order to solve the problems existing in the third-party payment system, the related technology provides a method for establishing a payment link, which obtains the payment parameters of the payment business in the payment request, and obtains the fund arrangement strategy of the payment business according to the payment parameters, the fund arrangement strategy contains the fund flow process required to complete the payment business, and then establishes the payment link corresponding to the payment business according to the obtained payment parameters and fund arrangement strategy. The above technical scheme establishes the corresponding payment link for the payment business through the fund arrangement strategy, realizes the payment of the corresponding payment business, makes the payment link flexible and variable, meets the demand of complex payment scene, and improves the payment efficiency and expansibility of the payment platform. However, the order of the actual payment instruction execution involved in the above technical scheme is determined by pre-configuration, and the configuration process requires high professional knowledge of the operator, is easy to make mistakes, and once new payment tools or business scenarios are added, the extremely tedious configuration needs to be re-performed.

[0055] The technical scheme of the present application classifies the factors affecting the payment instruction sequence based on different scenarios and different payment tools, respectively forms different priority of each type of sorting factors, and dynamically outputs different priorities for each type of sorting factors according to the factor value of different factors. Finally, through two layers of sorting, the automatic sorting of the payment instruction set behind the payment request is realized, and the final payee to the payee is completed. Compared with the related technical scheme, the technical scheme of the present application does not need to configure the execution order of all payment instruction sets in advance, avoids the problems of financial loss or poor user experience caused by configuration errors, and has more powerful and flexible financial arrangement capability, which can meet the flexible and variable demand of payment business.

[0056] The embodiment of the present application provides a method for determining a resource transfer link. The electronic device is used as an example for executing the embodiment of the present application, which is a device in a third-party resource transfer system, and is used for realizing the flow of resources between different accounts. The electronic device has strong computing power and can be a terminal, such as a notebook computer, a desktop computer, etc. It can also be a server, such as a separate physical server, or a cluster or distributed system composed of multiple physical servers, etc. Referring to Figure 1 The method provided by the embodiment of the present application includes the following steps:

[0057] 101. The electronic device pre-configures different first priority for each resource transfer parameter, and pre-configures different second priority for different parameter values of each resource transfer parameter.

[0058] The resource transfer business refers to the business of transferring resources between different accounts, which can be a payment business, etc. The resource can be real currency, such as currency in a user's bank card, currency stored or charged by a user in a third-party resource transfer system, etc. The resource can be virtual currency, coupons, etc. that can circulate in the third-party resource transfer system.

[0059] The resource transfer parameter is a parameter that affects the resource transfer business. Specifically, the resource transfer parameter refers to a parameter that can change the execution order of the resource transfer instruction related to the resource transfer business. As an attribute of the resource transfer instruction itself, the resource transfer parameter includes at least one of the resource transfer execution stage, the ownership of the resource to be transferred, the transfer action of the resource to be transferred, the type of resource transfer tool, and the identification of the resource transfer tool, etc. It also includes the resource value that needs to be transferred by each type of resource transfer tool.

[0060] The resource transfer execution stage refers to a stage of the resource in the transfer process. The resource transfer execution stage includes a request external processing stage, an external return result stage, a resource transfer success pushing stage, and the like. The request external processing stage refers to a stage of initiating the transfer of the resource in the account associated with the resource transfer-out account on the external platform by calling an external interface (for example, a bank network interface) in response to the resource transfer request of the resource transfer-out account. The resource transfer stage realizes the transfer of the resource in the account associated with the resource transfer-out account on the external platform to the account associated with the third-party resource transfer system on the external platform. The external return result stage refers to a stage of generating different notification messages according to the processing result of the resource transfer execution stage, and returning the generated notification messages to the electronic device. Specifically, the external platform queries the resource value of the remaining resource in the resource transfer-out account according to the resource value of the resource to be transferred in the resource transfer request. If the resource value of the remaining resource in the resource transfer-out account is greater than or equal to the resource value of the resource to be transferred, a resource transfer success notification message is generated, and the resource transfer success notification message is returned to the electronic device. If the resource value of the remaining resource in the resource transfer-out account is less than the resource value of the resource to be transferred, a resource transfer failure notification message is generated, and the resource transfer failure notification message is returned to the electronic device. The resource transfer success pushing stage refers to a process of transferring the resource obtained by the third-party resource transfer system from the resource transfer-out account to the resource transfer-in account. The resource required to be transferred in the resource transfer success pushing stage includes the resource in the account associated with the resource transfer-out account on the external platform and the resource in the account associated with the resource transfer-out account on the third-party resource transfer system.

[0061] It should be noted that the internal and external in the present application are relative to the third-party resource transfer system, that is, taking the third-party resource transfer system as a reference, taking the third-party resource transfer system as the internal, and taking the device or system other than the third-party resource transfer system as the external.

[0062] The ownership of the resource to be transferred refers to an object to which the resource to be transferred belongs in the resource transfer process. The ownership of the resource to be transferred includes a resource transfer-out account, a resource transfer-out account derivative, a business transition account, a resource transfer-in account, a resource transfer-in account derivative, and the like. The resource transfer-out account derivative refers to an account derived from the transfer operation of the resource in the account associated with the resource transfer-out account on the external platform. The resource transfer-in account derivative refers to an account derived from the transfer operation of the resource in the account associated with the resource transfer-in account on the external platform. In the payment scenario, the resource transfer-out account is a payer, the resource transfer-out account derivative is a payer derivative, the resource transfer-in account is a payee, the resource transfer-in account derivative is a payee derivative, and the ownership of the resource to be transferred includes a business transition account, a payer, a payer derivative, a payee, and a payee derivative.

[0063] The transfer operation of the resource to be transferred refers to an operation performed on the resource in the account associated with the third-party resource transfer system on the internal and external platforms. In the payment scenario, the transfer operation of the resource to be transferred includes debiting, crediting, and the like. Debiting refers to an operation of transferring resources into the account associated with the third-party resource transfer system on the internal and external platforms. Crediting refers to an operation of transferring resources out of the account associated with the third-party resource transfer system on the internal and external platforms.

[0064] The resource transfer tool is a carrier of the resource to be transferred. The types of the resource transfer tool include an internal tool and an external tool. The internal resource transfer tool refers to a resource transfer tool belonging to the third-party resource transfer system, for example, a marketing payment tool (for example, a marketing coupon, etc.), a default payment tool (for example, various accounts on the third-party resource transfer system, including a user account, a merchant account, an internal account, etc., the internal account being an account of the third-party resource transfer system), and the like. The external resource transfer tool refers to a resource transfer tool not belonging to the third-party resource transfer system, for example, a bank card, and the like.

[0065] The identifier of the resource transfer tool is used to uniquely identify the resource transfer tool. The identifier of the resource transfer tool includes an identifier of the internal resource transfer tool and an identifier of the external resource transfer tool. The identifier of the external resource transfer tool is an attribute of the external resource transfer tool itself, and does not need to be set or coded, for example, a bank card identifier, and the like. The identifier of the internal resource transfer tool is not an attribute of the external resource transfer tool itself, and needs to be set or coded, for example, the internal resource transfer tool includes a marketing payment tool and a default payment tool, the identifier of the marketing payment tool is 600, and the identifier of the default payment tool is 100.

[0066] The resource value to be transferred by each type of resource transfer tool can be set by the resource transferor, and the resource value corresponding to the resource transfer tool can be carried in the resource transfer request sent by the resource transferor to the electronic device. For example, in a certain payment business, user A needs to pay 100 yuan to merchant B, and the payment tool selected by user A is a bank card + an account of a third-party payment system, wherein the amount to be deducted in the bank card is 80 yuan, and the amount to be deducted in the account of the third-party payment system is 20 yuan. When user A initiates a payment request to the third-party payment system, the amount of 80 yuan corresponding to the payment tool bank card and the amount of 20 yuan corresponding to the payment tool account will be carried.

[0067] In the embodiments of the present application, the first type of priority is used to indicate the sequence position of the resource transfer parameter in the execution sequence priority sequence. In simple terms, the first type of priority gives the reference order of different resource transfer parameters when sorting the resource transfer instructions. The higher the first type of priority of the resource transfer parameter, the earlier the position in the execution sequence priority sequence, and the more priority it will be given when sorting the resource transfer instructions; the lower the first type of priority of the resource transfer parameter, the later the position in the execution sequence priority sequence, and the less priority it will be given when sorting the resource transfer instructions. The execution sequence priority sequence is a sequence used to sort the resource transfer instructions, and different sequence positions in the execution priority sequence correspond to different execution priorities.

[0068] When the electronic device configures the first type of priority for at least one resource transfer parameter, it can configure the degree of influence of the at least one resource transfer parameter on the resource transfer service. Specifically, the electronic device configures a higher first type of priority for a resource transfer parameter that has a higher degree of influence on the resource transfer service; and configures a lower first type of priority for a resource transfer parameter that has a lower degree of influence on the resource transfer service. Figure 2 The first type of priority order set by the present application for at least one resource transfer parameter is shown in FIG. 1. Figure 2 The first type of priority from high to low is in the order of: resource transfer execution phase, ownership of the resource to be transferred, transfer action of the resource to be transferred, type of resource transfer tool, and identification of the resource transfer tool.

[0069] In the embodiments of the present application, the second type of priority is used to indicate the execution order of different parameter values of the resource transfer parameter at the same sequence position. The higher the second type of priority of different resource transfer instructions at the same position sequence, the earlier the resource transfer instruction is executed. Specifically, the electronic device can configure the second type of priority for different parameter values of each resource transfer parameter according to the resource processing mode corresponding to each resource transfer parameter, according to the processing order of different resource processing modes in the actual business scenario, or the resource risk caused by different resource processing modes.

[0070] Taking the payment scenario as an example, the second type of priority set by the electronic device for different parameter values of each resource transfer parameter is as follows:

[0071] 1. The resource transfer parameter is the resource transfer execution phase, and the electronic device sets the second type of priority for different resource transfer execution phases from high to low in the order of: request external processing phase, external return processing phase, and resource transfer success promotion phase.

[0072] 2. The resource transfer parameters are the owners of the resources to be transferred. The electronic devices are the second priority set for the owners of the resources to be transferred with different parameter values. The order from high to low is as follows: payer and its derivatives, business transition account, and payee and its derivatives.

[0073] 3. The resource transfer parameters pertain to the transfer actions of the resources to be transferred. Considering that different resource owners operate under different resource flows, the priority of the resource transfer actions executed by the resource transfer tool varies. Therefore, different secondary priorities will be set for different resource owners. When the resource owner is an intermediary-business transition account, the secondary priorities set by the electronic device for the transfer actions of the resources to be transferred, from highest to lowest, are: credit action, freeze action, unfreeze action, and debit action. When the resource owner is the original payer, the secondary priorities set by the electronic device for the transfer actions of the resources to be transferred, from highest to lowest, are: freeze action, debit action, unfreeze action, and credit action.

[0074] 4. The resource transfer parameter specifies the type of resource transfer tool. Considering that the execution order of different resource types varies across different payment scenarios, when the payment scenario is a payment collection scenario, the second priority level for different types of resource transfer tools on the electronic device, from highest to lowest, is: external resource transfer tools, then internal resource transfer tools. When the payment scenario is a refund scenario, the second priority level for different types of resource transfer tools on the electronic device, from highest to lowest, is: internal resource transfer tools, then external resource transfer tools.

[0075] 5. The resource transfer parameter is the identifier of the resource transfer tool. Generally, resource transfer tools include external resource transfer tools and internal resource transfer tools. In step 4 above, the second priority of external resource transfer tools and internal resource transfer tools has been configured. In this step, from the perspective of the stability of internal resource transfer tools, the electronic device sets the second priority of internal resource transfer tools with different identifiers in the following order from high to low: marketing payment tools, default payment tools.

[0076] In another embodiment of this application, the electronic device may use weight values ​​to represent a first type of priority and a second type of priority. Specifically, the higher the first type of priority, the larger its corresponding weight value; the lower the first type of priority, the smaller its corresponding weight value. Similarly, the higher the second type of priority, the larger its corresponding weight value; the lower the second type of priority, the smaller its corresponding weight value. Numerical representation makes the relative importance of the first and second types of priority more intuitively apparent.

[0077] For example, the weight value corresponding to the request external processing stage is set as 9, the weight value corresponding to the external return processing stage is set as 8, and the weight value corresponding to the resource transfer success promotion stage is set as 7. Based on the weight values, the execution order of different resource transfer execution stages is: the request external processing stage (9) > the external return processing stage (8) > the resource transfer success promotion stage (7).

[0078] The weight value corresponding to the payor and its derivatives is set as 9, the weight value corresponding to the business transition account is set as 8, and the weight value corresponding to the payee and its derivatives is set as 7. Based on the weight values, the execution order of different attribution parties of the resource to be transferred is: the payor and its derivatives (9) > the business transition account (8) > the payee and its derivatives (7).

[0079] When the resource attribution party is the intermediate-business transition account, the weight value corresponding to the credit action is set as 9, the weight value corresponding to the freeze action is set as 8, the weight value corresponding to the unfreeze action is set as 7, and the weight value corresponding to the debit action is set as 6. Based on the weight values, the execution order of different resource transfer actions of the resource to be transferred is: the credit action (9) > the freeze action (8) > the unfreeze action (7) > the debit action (6). When the resource attribution party is the original payor, the second weight value corresponding to the freeze action is set as 9, the second weight value corresponding to the debit action is set as 8, the second weight value corresponding to the unfreeze action is set as 7, and the second weight value corresponding to the credit action is set as 6. Based on the weight values, the execution order of different resource transfer actions of the resource to be transferred is: the freeze action (9) > the debit action (8) > the unfreeze action (7) > the credit action (6).

[0080] When the payment scenario is the payee scenario, the weight value corresponding to the external resource transfer tool is set as 9, and the weight value corresponding to the internal resource transfer tool is set as 8. Based on the weight values, the execution order of different types of resource transfer tools in the payee scenario is: the external resource transfer tool (9) > the internal resource transfer tool (8). When the payment scenario is the refund scenario, the weight value corresponding to the internal resource transfer tool is set as 9, and the weight value corresponding to the external resource transfer tool is set as 8. Based on the weight values, the execution order of different types of resource transfer tools in the refund scenario is: the internal resource transfer tool (9) > the external resource transfer tool (8).

[0081] The weight value corresponding to the marketing payment tool is set as 600, and the weight value corresponding to the default payment tool is set as 100. Based on the weight values, the execution order of different types of resource transfer tools is: the marketing payment tool (600) > the default payment tool (100).

[0082] It should be noted that the first type of priority of the at least one resource transfer parameter and the second type of priority configured for different parameter values of each resource transfer parameter are not fixed, but change with changes in the resource transfer business, for example, when the resource transfer tools corresponding to the resource transfer business increase or decrease, the first type of priority and the second type of priority can be adjusted based on the changed resource transfer tools.

[0083] 102. The electronic device obtains at least one resource transfer instruction related to the resource transfer business.

[0084] In the resource transfer scenario, the essence of resource transfer is to complete the resource transfer of the payee and the payor. For a resource transfer business, the corresponding instruction set should first complete the resource deduction of the payor, and the third-party resource transfer company as an intermediary first receives the resource and then transfers the resource to the actual payee account. These involve resource flow processes of multiple resource transfer roles in resource transfer, and each resource flow process corresponds to an actual resource transfer instruction. When processing the resource transfer business, the electronic device needs to first obtain at least one resource transfer instruction related to the resource transfer business, and then sort the at least one resource transfer instruction, so that the resource can flow between the resource transfer tools of the payee and the payor. The resource transfer instruction described herein mainly includes two parts, one part is the actual resource transfer request operation, and the other part is the account resource flow record behind each resource transfer request operation.

[0085] Specifically, the electronic device can obtain at least one resource transfer instruction related to the resource transfer business based on the business scenario of the resource transfer business and the resource transfer tools used by the resource transfer business. The business scenario includes a payment scenario, a refund scenario, etc. For example, user A uses account balance (20 yuan) + bank card (80 yuan) combination to pay for an order, and the payment instruction corresponding to the payment business is as follows in Table 1.

[0086] Table 1

[0087]

[0088] 103. The electronic device determines an execution order priority sequence of the at least one resource transfer instruction based on the first type of priority of the at least one resource transfer parameter and the second type of priority corresponding to different parameter values of each resource transfer parameter.

[0089] When the electronic device determines the execution order priority sequence of the at least one resource transfer instruction based on the first type of priority of the at least one resource transfer parameter and the second type of priority corresponding to different parameter values of each resource transfer parameter, the following method can be used:

[0090] 1031. The electronic device determines the sorting position of each resource transfer parameter in the corresponding execution order priority sequence based on the types of resource transfer parameters included in each resource transfer instruction and the first priority of each type of resource transfer parameter.

[0091] When sorting the resource transfer parameters included in each resource transfer instruction, if a resource transfer instruction does not contain a certain resource transfer parameter, zero-padding is performed on the corresponding sorting position of that resource transfer parameter in the execution order priority sequence. This avoids situations where the lengths of the execution order priority sequences corresponding to different resource transfer instructions are different, making it impossible to sort the execution order of different resource transfer instructions.

[0092] 1032. Based on the parameter values ​​of the resource transfer parameters included in each resource transfer instruction and the second priority corresponding to the different parameter values ​​of each resource transfer parameter, the electronic device determines the second priority of each resource transfer parameter in the corresponding sorting position in each resource transfer instruction, and obtains the execution order priority sequence corresponding to each resource transfer instruction.

[0093] Once the second priority of each resource transfer parameter in each resource transfer instruction is determined at its corresponding sorting position, the electronic device concatenates the second priority at each sorting position in descending order of the first priority to obtain the execution order priority sequence corresponding to each resource transfer instruction.

[0094] Taking the resource transfer instructions shown in Table 1 above as an example, the execution order priority sequence determined for each resource transfer instruction using the method provided in this step can be found in Table 2.

[0095] Table 2

[0096]

[0097] 104. An electronic device determines the execution order of at least one resource transfer instruction based on the execution order priority sequence of at least one resource transfer instruction.

[0098] The electronic device traverses the execution order priority sequence of at least one resource transfer instruction in descending order of first-class priority (i.e., from front to back) to determine the execution order of the at least one resource transfer instruction according to the order of first-class priority from high to low (i.e., from front to back in the sorting position). When the execution order priority sequences of at least two resource transfer instructions are the same, it indicates that the at least two resource transfer instructions can be executed simultaneously, meaning that the at least two resource transfer instructions have the same execution order.

[0099] 105. The electronic device constructs the resource transfer link of the resource transfer service based on the at least one resource transfer instruction and the execution sequence thereof.

[0100] The electronic device executes the at least one resource transfer instruction according to the execution sequence thereof, thereby forming the resource transfer link of the resource transfer service.

[0101] In another embodiment of the present application, as the resource transfer service scenario changes, the types of resource transfer parameters can change, and the types of each resource transfer parameter can also change. To meet the needs of the actual resource transfer service scenario, the electronic device needs to update at least one of the first type of priority of the at least one resource transfer parameter, the second type of priority corresponding to different parameter values of each resource transfer parameter, and the like in combination with the changed parameters. The specific updating process is as follows:

[0102] When the types of resource transfer parameters change (for example, are added), or the first type of priority of the at least one resource transfer parameter previously configured due to service adjustment needs to be adjusted, a first update instruction for the target resource transfer parameter needs to be sent to the electronic device, the target resource transfer parameter including the added resource transfer parameter or all or part of the at least one resource transfer parameter. In response to the first update instruction for the target resource transfer parameter, the electronic device updates the first type of priority of the target resource transfer parameter.

[0103] When the parameter values of any type of resource transfer parameter change (for example, are added), or the second type of priority of different parameter values of any type of resource transfer parameter previously configured due to service adjustment needs to be adjusted, a second update instruction for the resource transfer parameter needs to be sent to the electronic device. In response to the second update instruction for the resource transfer parameter, the electronic device updates the second type of priority corresponding to different parameter values of the resource transfer parameter.

[0104] The method provided in the embodiments of the present application does not configure corresponding resource transfer links for different resource transfer services in advance, but configures a first type of priority for indicating the sorting position in the execution sequence priority sequence of different resource transfer parameters based on the resource transfer parameters contained in the resource transfer instructions related to the resource transfer service, and configures a second type of priority for indicating the execution sequence of the same sorting position for different parameter values of each resource transfer parameter, determines the execution sequence of each resource transfer instruction based on the first type of priority and the second type of priority for the resource transfer instructions contained in the resource transfer service when processing the actual resource transfer service, and further constructs the corresponding resource transfer link for the resource transfer service. Since the resource transfer service and the resource transfer link are not solidified, but the resource transfer parameters are dynamically configured, the scalability of the resource transfer link is improved, the flexible and changeable requirement of the resource transfer service is met, and the resource transfer efficiency is higher in this way.

[0105] Referring to Figure 3 It is shown that the embodiments of the present application provide a device for determining a resource transfer link, the device can be realized by software, hardware or combination of both, become all or part of an electronic device, the device comprises:

[0106] The acquisition module 301 is configured to acquire at least one resource transfer instruction related to a resource transfer service, the resource transfer instruction comprises at least one resource transfer parameter, and the resource transfer parameter is a parameter affecting the resource transfer service;

[0107] The first determination module 302 is configured to determine an execution sequence priority sequence of the at least one resource transfer instruction based on the first type of priority of the at least one resource transfer parameter and the second type of priority corresponding to different parameter values of each resource transfer parameter, the first type of priority is used to indicate the sequence position of the resource transfer parameter in the execution sequence priority sequence, different sequence positions in the execution sequence priority sequence correspond to different execution priorities, and the second type of priority is used to indicate the execution sequence of the resource transfer parameter with different parameter values in the same sequence position;

[0108] The second determination module 303 is configured to determine the execution sequence of the at least one resource transfer instruction based on the execution sequence priority sequence of the at least one resource transfer instruction;

[0109] The construction module 304 is configured to construct a resource transfer link of the resource transfer service based on the at least one resource transfer instruction and the execution sequence thereof.

[0110] In another embodiment of the present application, the acquisition module 301 is configured to determine the at least one resource transfer instruction based on the service scene of the resource transfer service and a resource transfer tool used by the resource transfer service, and the resource transfer tool is a carrier of the resource to be transferred.​

[0111] In another embodiment of the present application, the first determining module 302 is configured to determine the order position of each resource transfer parameter in the corresponding execution order priority sequence based on the type of the resource transfer parameter included in each resource transfer instruction and the first type priority of each resource transfer parameter; determine the second type priority of each resource transfer parameter at the corresponding order position based on the parameter value of the resource transfer parameter included in each resource transfer instruction and the second type priority corresponding to different parameter values of each resource transfer parameter, to obtain the execution order priority sequence corresponding to each resource transfer instruction.

[0112] In another embodiment of the present application, the apparatus further comprises:

[0113] The first configuration module is configured to configure different first type priorities for at least one resource transfer parameter according to the influence degree of the resource transfer service of the at least one resource transfer parameter;

[0114] The second configuration module is configured to configure different second type priorities for different parameter values of each resource transfer parameter according to the resource processing mode corresponding to the different parameter values of each resource transfer parameter.

[0115] In another embodiment of the present application, the second determining module is configured to traverse the second type priority at each order position in the execution order priority sequence of at least one resource transfer instruction; and determine the execution order of the at least one resource transfer instruction according to the order from front to back of the order position and from high to low of the second type priority at the same order position.

[0116] In another embodiment of the present application, the apparatus further comprises at least one of the following modules:

[0117] The first updating module is configured to update the first type priority of the target resource transfer parameter in response to the first updating instruction for the target resource transfer parameter, the target resource transfer parameter including at least one of the following: a newly added resource transfer parameter or all or part of the at least one resource transfer parameter;

[0118] The second updating module is configured to update the second type priority corresponding to different parameter values of the resource transfer parameter in response to the second updating instruction for any resource transfer parameter.

[0119] In another embodiment of the present application, the resource transfer parameter includes at least one of the following: a resource transfer execution stage, a home party of the resource to be transferred, a transfer action of the resource to be transferred, a type of resource transfer tool, and an identifier of the resource transfer tool.

[0120] In summary, the device provided by the embodiment of the present application does not configure corresponding resource transfer links for different resource transfer services in advance, but configures a first priority for indicating the sorting position in the execution sequence priority sequence for different resource transfer parameters based on the resource transfer parameters contained in the resource transfer instructions related to the resource transfer service, and configures a second priority for indicating the execution sequence in the same sorting position for different parameter values of each resource transfer parameter. When processing the actual resource transfer service, the execution sequence of each resource transfer instruction is determined based on the first priority and the second priority for the resource transfer instructions contained in the resource transfer service, and then the corresponding resource transfer link is constructed for the resource transfer service. Since the resource transfer service and the resource transfer link are not solidified, but the resource transfer parameters are dynamically configured, the scalability of the resource transfer link is improved, the flexible and variable demand of the resource transfer service is met, and the resource transfer efficiency is higher by using this method.

[0121] Figure 4 A structural block diagram of an electronic device 400 provided by an example embodiment of the present application is shown. Generally, the electronic device 400 includes a processor 401 and a memory 402.

[0122] The processor 401 can include one or more processing cores, such as a 4-core processor, an 8-core processor, etc. The processor 401 can be implemented in at least one of a hardware form of a DSP (Digital Signal Processing), an FPGA (Field-Programmable Gate Array), a PLA (Programmable Logic Array). The processor 401 can also include a main processor and a coprocessor. The main processor is a processor for processing data in an awake state, also known as a CPU (Central Processing Unit). The coprocessor is a low-power processor for processing data in a standby state. In some embodiments, the processor 401 can be integrated with a GPU (Graphics Processing Unit) that is responsible for rendering and drawing the content required to be displayed by the display screen. In some embodiments, the processor 401 can also include an AI (Artificial Intelligence) processor for processing machine learning-related computing operations.

[0123] The memory 402 can include one or more computer-readable storage media. The computer-readable storage media can be non-transitory. The memory 402 can also include high-speed random access memory and can include nonvolatile memory, such as one or more magnetic disk storage devices, optical storage devices, flash memory devices, or other nonvolatile solid-state storage devices. In some embodiments, the non-transitory computer-readable storage medium in the memory 402 stores the at least one instruction for execution by the processor 401 to implement the method for determining a resource transfer link provided by the method embodiments in the present application.

[0124] In some embodiments, the electronic device 400 can further optionally include a peripheral device interface 403 and at least one peripheral device. The processor 401, the memory 402, and the peripheral device interface 403 can be connected through a bus or a signal line. Each peripheral device can be connected to the peripheral device interface 403 through a bus, a signal line, or a circuit board. Specifically, the peripheral device includes a power supply 404.

[0125] The peripheral device interface 403 can be used to connect at least one peripheral device related to I / O (Input / Output) to the processor 401 and the memory 402. In some embodiments, the processor 401, the memory 402, and the peripheral device interface 403 are integrated on the same chip or circuit board; in some other embodiments, any one or two of the processor 401, the memory 402, and the peripheral device interface 403 can be implemented on a separate chip or circuit board, and the present embodiments are not limited in this regard.

[0126] The power supply 404 is used to supply power to each component in the electronic device 400. The power supply 404 can be alternating current, direct current, a disposable battery, or a rechargeable battery. When the power supply 404 includes a rechargeable battery, the rechargeable battery can be a wired charging battery or a wireless charging battery. The wired charging battery is a battery that is charged through a wired line, and the wireless charging battery is a battery that is charged through a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0127] Those skilled in the art can understand that the structure shown in the above embodiments is not a limitation on the electronic device 400, and the electronic device 400 can include more or fewer components than those shown in the figure, or combine certain components, or use different component arrangements. Figure 4 The structure shown in the above embodiments is not a limitation on the electronic device 400, and the electronic device 400 can include more or fewer components than those shown in the figure, or combine certain components, or use different component arrangements.

[0128] In an example embodiment, a computer readable storage medium, such as a memory including instructions, is also provided. The instructions can be executed by a processor of the electronic device 400 to perform the method of determining the resource transfer link. Optionally, the storage medium can be a non-transitory computer readable storage medium, such as a CD-ROM (Compact Disc Read-Only Memory), a ROM (Random Access Memory), a RAM (Random Access Memory), a magnetic tape, a floppy disk, an optical data storage device, and the like.

[0129] The electronic device provided by the embodiments of the present application does not configure a corresponding resource transfer link in advance for different resource transfer services, but configures a first priority for indicating the sorting position in the execution sequence priority sequence for different resource transfer parameters based on the resource transfer parameters contained in the resource transfer instructions related to the resource transfer service, and configures a second priority for indicating the execution sequence in the same sorting position for different parameter values of each resource transfer parameter. When processing an actual resource transfer service, the execution sequence of each resource transfer instruction is determined based on the first priority and the second priority for the resource transfer instructions contained in the resource transfer service, and a corresponding resource transfer link is constructed for the resource transfer service. Since the resource transfer service and the resource transfer link are not fixed, but the resource transfer parameters are dynamically configured, the scalability of the resource transfer link is improved, the flexible and changeable requirements of the resource transfer service are met, and the resource transfer efficiency is higher by using this method.

[0130] The embodiments of the present application provide a computer readable storage medium, and the storage medium stores at least one program code. The at least one program code is loaded and executed by a processor to implement the method of determining the resource transfer link.

[0131] The embodiments of the present application provide a computer program product, and the computer program product includes computer program code stored in a computer readable storage medium. A processor of an electronic device reads the computer program code from the computer readable storage medium, and the processor executes the computer program code to enable the electronic device to perform the method of determining the resource transfer link.

[0132] Those skilled in the art can understand that all or part of the steps of the above-mentioned embodiments can be completed by hardware, or by a program instructing related hardware to complete. The program can be stored in a computer readable storage medium. The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk.

[0133] The above merely provides the optional embodiments of the present application, and is not intended to limit the present application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims

1. A method for determining resource transfer links, characterized in that, The method includes: Obtain at least one resource transfer instruction related to the resource transfer service, wherein the resource transfer instruction includes at least one resource transfer parameter, and the resource transfer parameter is a parameter that affects the resource transfer service; Based on a first type of priority of at least one of the resource transfer parameters and a second type of priority corresponding to different parameter values ​​of each of the resource transfer parameters, an execution order priority sequence of at least one resource transfer instruction is determined. The first type of priority is used to indicate the sequence position of the resource transfer parameter in the execution order priority sequence. Different sequence positions in the execution order priority sequence correspond to different execution priorities. The second type of priority is used to indicate the execution order of the resource transfer parameters with different parameter values ​​at the same sequence position. The execution order of at least one resource transfer instruction is determined based on the execution order priority sequence of at least one of the resource transfer instructions; Based on at least one of the resource transfer instructions and their execution order, construct the resource transfer link for the resource transfer service; The determination of the execution order priority sequence of at least one resource transfer instruction based on a first type of priority of at least one of the resource transfer parameters and a second type of priority corresponding to different parameter values ​​of each of the resource transfer parameters includes: Based on the types of resource transfer parameters included in each resource transfer instruction and the first priority of each type of resource transfer parameter, the sorting position of each type of resource transfer parameter in the corresponding execution order priority sequence is determined; Based on the parameter values ​​of the resource transfer parameters included in each resource transfer instruction and the second priority corresponding to different parameter values ​​of each resource transfer parameter, the second priority of each resource transfer parameter in each resource transfer instruction at the corresponding sorting position is determined, and the execution order priority sequence corresponding to each resource transfer instruction is obtained. Before determining the execution order priority sequence of at least one resource transfer instruction based on a first type of priority of at least one of the resource transfer parameters and a second type of priority corresponding to different parameter values ​​of each of the resource transfer parameters, the method further includes: Based on the degree of impact of at least one of the resource transfer parameters on the resource transfer service, different first-class priorities are configured for at least one of the resource transfer parameters. Based on the resource processing method corresponding to each of the resource transfer parameters with different parameter values, different second-class priorities are configured for different parameter values ​​of each of the resource transfer parameters.

2. The method according to claim 1, characterized in that, The at least one resource transfer instruction related to the acquisition of resource transfer services includes: Based on the business scenario of the resource transfer service and the resource transfer tool used by the resource transfer service, at least one resource transfer instruction is determined, wherein the resource transfer tool is the carrier of the resource to be transferred.

3. The method according to claim 1, characterized in that, Determining the execution order of at least one resource transfer instruction based on the execution order priority sequence of at least one of the resource transfer instructions includes: Iterate through the second priority at each sorting position in the execution order priority sequence of at least one of the resource transfer instructions; The execution order is determined for at least one of the resource transfer instructions according to the sorting position from front to back and the second priority of the same sorting position from high to low.

4. The method according to any one of claims 1 to 3, characterized in that, The method further includes at least one of the following: In response to a first update instruction for a target resource transfer parameter, a first priority of the target resource transfer parameter is updated, wherein the target resource transfer parameter includes newly added resource transfer parameters or all or part of at least one of the resource transfer parameters; In response to a second update instruction for any of the resource transfer parameters, the second priority corresponding to different parameter values ​​in the resource transfer parameters is updated.

5. The method according to any one of claims 1 to 3, characterized in that, The resource transfer parameters include at least one of the following: resource transfer execution stage, owner of the resource to be transferred, transfer action of the resource to be transferred, type of resource transfer tool, and identifier of resource transfer tool.

6. An electronic device, characterized in that, The electronic device includes a processor and a memory, the memory storing at least one piece of program code, which is loaded and executed by the processor to implement the method for determining resource transfer links as described in any one of claims 1 to 5.

7. A computer-readable storage medium, characterized in that, The storage medium stores at least one piece of program code, which is loaded and executed by a processor to implement the method for determining resource transfer links as described in any one of claims 1 to 5.

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