A data processing method, device, apparatus, and computer-readable storage medium

Abstract

The application discloses a data processing method, device and equipment and a computer readable storage medium. The method comprises the following steps: obtaining a business object identifier bound with a digital resource account; the digital resource account belongs to an institution platform; the business object identifier belongs to a business platform different from the institution platform; the institution platform provides a resource pre-transfer-out function for the digital resource account; obtaining a resource return record associated with the digital resource account in a database according to the business object identifier; the resource return record is a transaction record generated on the business platform for a first resource pre-transfer-out list through the business object identifier; obtaining the latest generation time in the generation time of the resource return record, determining the resource return state of the digital resource account according to the latest generation time; and determining the list obtaining condition of the digital resource account according to the resource return state. By using the application, the access concurrency of the business platform and the access response of the institution server can be reduced.

Description

Technical Field

[0001] This application relates to the field of Internet technology, and in particular to a data processing method, apparatus, device, and computer-readable storage medium. Background Technology

[0002] With the continuous improvement of Internet technology and the progress of society, mobile payment applications on mobile devices have become rapidly popular. Mobile payment applications include third-party payment applications. In order to realize the mobile payment function, people need to bind the digital resource account belonging to the institutional platform to the business object identifier in the third-party payment application (belonging to a business platform different from the institutional platform).

[0003] In existing technologies, if a business application launches a third-party payment application on a terminal device, and that application is linked to a digital resource account, the terminal device sends a list retrieval request to the institutional platform to request the platform to return a list of resources to be pre-transferred from the digital resource account. Clearly, a large number of digital resource accounts will generate a large number of list retrieval requests, thus increasing the concurrency of accesses from the business platform to the institutional platform, increasing the platform's response time, and consequently increasing the platform's load. Summary of the Invention

[0004] This application provides a data processing method, apparatus, device, and computer-readable storage medium that can reduce the concurrent access volume of a business platform and the access response time of an organization's server.

[0005] One embodiment of this application provides a data processing method, including:

[0006] Obtain the business object identifier that is bound to the digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account;

[0007] Based on the business object identifier, retrieve the resource return record associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier.

[0008] Among the generation times of the resource return records, obtain the latest generation time, and determine the resource return status of the digital resource account based on the latest generation time;

[0009] Based on the resource return status, the conditions for obtaining the list of digital resource accounts are determined; the conditions for obtaining the second resource pre-transfer list of digital resource accounts are obtained from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0010] One embodiment of this application provides a data processing method, which is executed by a terminal device, including:

[0011] In response to a startup operation for a business application bound to a business object identifier, the account page is displayed; the business application refers to the application of the business platform; the account page includes the digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform;

[0012] The account page displays the resource return status information of the digital resource account. The resource return status information is determined by the latest generation time among the generation times of the resource return records. The resource return record refers to the transaction record generated in the business application for the first resource pre-transfer list associated with the digital resource account.

[0013] One embodiment of this application provides a data processing apparatus, including:

[0014] The first acquisition module is used to acquire the business object identifier that is bound to the digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account;

[0015] The second acquisition module is used to retrieve resource return records associated with digital resource accounts from the database based on the business object identifier; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list based on the business object identifier.

[0016] The first determination module is used to obtain the latest generation time from the generation time of the resource return record, and determine the resource return status of the digital resource account based on the latest generation time.

[0017] The second determining module is used to determine the conditions for obtaining the list of digital resource accounts based on the resource return status. The list obtaining conditions refer to the conditions for obtaining the second resource pre-transfer list of digital resource accounts from the institutional server corresponding to the institutional platform. The generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list. Both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0018] The first determining module includes:

[0019] The first determining unit is used to determine the time difference between the latest generation time and the current time; the latest generation time is earlier than or equal to the current time.

[0020] The second determining unit is used to compare the time difference with the return time threshold. If the time difference is greater than the return time threshold, the resource return inactive state is determined as the resource return state of the digital resource account.

[0021] The third determining unit is used to determine the resource return active status as the resource return status of the digital resource account if the time difference is equal to or less than the return time threshold.

[0022] The second determining module includes:

[0023] The fourth determining unit is used to determine the first list acquisition condition as the list acquisition condition of digital resource accounts if the resource return status is an active resource return status; the first list acquisition condition includes the terminal device responding to the access operation of the business platform.

[0024] The fifth determining unit is used to determine the second list retrieval condition as the list retrieval condition if the resource return status is a resource return inactive status; the second list retrieval condition includes that after responding to the access operation for the business platform, the terminal device continues to respond to the trigger operation for the list query control associated with the digital resource account.

[0025] The data processing device also includes:

[0026] The request sending module is used to send a resource pre-transfer query request to the institution server corresponding to the institution platform if the digital resource account meets the list acquisition conditions, so that the institution server can perform resource pre-transfer query processing on the digital resource account according to the resource pre-transfer query request and generate a second resource pre-transfer list.

[0027] The third acquisition module is used to acquire the second resource pre-transfer list returned by the institution server; the second resource pre-transfer list is displayed on the terminal device.

[0028] The first acquisition module includes:

[0029] The first acquisition unit is used to acquire access prompt information; the access prompt information is generated by the terminal device in response to an access operation against the business platform.

[0030] The second acquisition unit is used to acquire the business object identifier in the access prompt information; the business object identifier is bound to a digital resource account.

[0031] The data processing device further includes:

[0032] The third determination module is used to determine if the digital resource account meets the list acquisition conditions if the resource return status is active. The active resource return status is used to indicate that the time difference between the latest generation time and the current time is equal to or less than the return time threshold.

[0033] The fourth determination module is used to determine that if the resource return status is inactive, the digital resource account does not meet the list retrieval conditions; the inactive status indicates that the time difference is greater than the return time threshold.

[0034] The data processing device also includes:

[0035] The fifth determination module is used to determine whether a digital resource account meets the list retrieval conditions when the terminal device responds to a list query control triggered by the digital resource account if the resource return status is inactive.

[0036] One embodiment of this application provides a data processing apparatus, which operates on a terminal device and includes:

[0037] The first display module is used to respond to the startup operation of a business application bound to a business object identifier and display the account page; the business application refers to the application of the business platform; the account page includes the digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform;

[0038] The second display module is used to display the resource return status information of the digital resource account on the account page. The resource return status information is determined by the latest generation time among the generation times of the resource return records. The resource return records refer to the transaction records generated in the business application for the first resource pre-transfer list associated with the digital resource account.

[0039] Among them, the resource return status information includes resource return inactive status information;

[0040] The data processing apparatus further includes:

[0041] The third display module is used to respond to the triggered operation for inactive resource return status information, and display status generation prompts and status update prompts. The status generation prompts include the fact that the time difference between the latest generation time and the current time is greater than the return time threshold. The status update prompts are used to prompt the business object to perform the resource return operation through the business application.

[0042] Among them, resource return status information includes inactive resource return status information; institutional platforms provide resource pre-transfer function for digital resource accounts;

[0043] The data processing apparatus further includes:

[0044] The fourth display module is used to display a list query control for digital resource accounts on the account page;

[0045] The fifth display module is used to respond to the trigger operation of the list query control and display the second resource pre-transfer list of the digital resource account; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0046] Among them, the resource return status information includes resource return active status information; the resource return active status information is used to indicate that the time difference between the latest generation time and the current time is less than or equal to the return time threshold.

[0047] The data processing apparatus further includes:

[0048] The sixth display module is used to display the second resource pre-transfer list of the digital resource account on the account page; the second resource pre-transfer list is generated later than the first resource pre-transfer list.

[0049] This application provides a computer device, including: a processor, a memory, and a network interface;

[0050] The processor is connected to the memory and the network interface, wherein the network interface is used to provide data communication functions, the memory is used to store computer programs, and the processor is used to call the computer programs so that the computer device executes the methods in the embodiments of this application.

[0051] One aspect of this application provides a computer-readable storage medium storing a computer program adapted for loading by a processor and executing the methods described in this application.

[0052] One aspect of this application provides a computer program product, which includes a computer program stored in a computer-readable storage medium; a processor of a computer device reads the computer program from the computer-readable storage medium and executes the computer program, causing the computer device to perform the method described in this application.

[0053] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server. Attached Figure Description

[0054] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0055] Figure 1 This is a schematic diagram of a system architecture provided in an embodiment of this application;

[0056] Figure 2 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 1 ;

[0057] Figure 3 This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 1 ;

[0058] Figure 4 This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 2 ;

[0059] Figure 5 This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 3 ;

[0060] Figure 6 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 2 ;

[0061] Figure 7 This is an interactive illustration of a data processing method provided in an embodiment of this application. Figure 1 ;

[0062] Figure 8 This is an interactive illustration of a data processing method provided in an embodiment of this application. Figure 2 ;

[0063] Figure 9 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 3 ;

[0064] Figure 10 This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application. Figure 1 ;

[0065] Figure 11 This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application. Figure 2 ;

[0066] Figure 12 This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. Detailed Implementation

[0067] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0068] Please see Figure 1 , Figure 1 This is a schematic diagram of a system architecture provided in an embodiment of this application. For example... Figure 1As shown, the system architecture may include a business server 100, an organizational server cluster, and a terminal device cluster. It is understood that the aforementioned terminal device cluster may include one or more terminal devices; this application does not limit the number of terminal devices. Figure 1 As shown, the terminal device cluster may include: terminal device 101a, terminal device 101b, ..., terminal device 101n. Each terminal device in this cluster may include: a smartphone, tablet computer, laptop computer, desktop computer, smart speaker, smartwatch, in-vehicle terminal, smart TV, or other smart terminal with digital resource transfer capabilities.

[0069] It should be understood that, such as Figure 1 Each terminal device in the terminal device cluster shown can have an application client installed. When the application client runs on each terminal device, it can interact with the aforementioned... Figure 1 The business servers 100 shown interact with each other. The application client can be a video application, a convenient lifestyle application, a payment application, a financial management application, a game application, a shopping application, a novel application, a browser, or any other application client with the function of binding digital resource accounts. This application client can be a standalone client or an embedded sub-client integrated into another client (e.g., a payment client, an education client, or a multimedia client), and there is no limitation on this.

[0070] In this embodiment, the business server 100 can be the server corresponding to the aforementioned application client. Taking a payment application as an example, the business server 100 can be a collection of multiple servers, including a backend server and a data processing server corresponding to the payment application. Therefore, each terminal device can transmit data with the business server 100 through the application client corresponding to the payment application. For example, each terminal device can upload a locally generated resource pre-transfer query request for a digital resource account to the business server 100 through the application client of the payment application. The business server 100 can forward the resource pre-transfer query request to the institutional server 102a (the server corresponding to the institutional platform to which the digital resource account belongs). The institutional server 102a can perform resource pre-transfer query processing on the digital resource account, generate a resource pre-transfer list for the digital resource account, and return the resource pre-transfer list to the terminal device, the business server 100, or upload it to the cloud server. Optionally, the terminal device can send the resource pre-transfer query request directly to the institutional server 102a to obtain the resource pre-transfer list through a peer-to-peer (P2P) method. The business server 100 can be a standalone physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides cloud computing services.

[0071] It is understood that the aforementioned institutional server cluster may include one or more institutional servers, and this application does not limit the number of institutional servers, such as... Figure 1 As shown, the institutional server cluster may include: institutional server 102a, institutional server 102b, ..., institutional server 102n. Each institutional server in the institutional server cluster can be a server corresponding to an operating institution (also referred to as an institutional platform in this application) that provides digital resource account functions. For example, institutional server 102a is the server corresponding to the first operating institution that provides digital resource account functions, institutional server 102b is the server corresponding to the second operating institution that provides digital resource account functions, and institutional server 102n is the server corresponding to the third operating institution that provides digital resource account functions; the first operating institution, the second operating institution, and the third operating institution are independent operating institutions. Each institutional server in the institutional server cluster can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud computing services.

[0072] Within this cluster of terminal devices, communication connections can exist between each other. For example, terminal device 101a can communicate with terminal device 101b, and terminal device 101a can communicate with terminal device 101n. Simultaneously, any terminal device in the cluster can communicate with the service server 100, for example, terminal device 101a can communicate with the service server 100. Furthermore, any terminal device in the cluster can communicate with any institutional server in the institutional server cluster, for example, terminal device 101a can communicate with institutional server 102a, and terminal device 101b can communicate with institutional server 102a.

[0073] Within the institutional server cluster, any institutional server can have a communication connection with the business server 100; for example, institutional server 102a and business server 100 have a communication connection. Simultaneously, communication connections can exist between institutional servers within the cluster; for example, institutional server 102a and institutional server 102b have a communication connection.

[0074] In this application, the connection method for all the communication connections mentioned above is not limited. The connection can be made directly or indirectly through wired communication, wireless communication, or other methods.

[0075] It is understood that the collection and processing of relevant data (such as digital resource accounts and business object identifiers) in this application should strictly comply with the requirements of relevant national laws and regulations, obtain the informed consent or separate consent of the personal information subject, and carry out subsequent data use and processing within the scope of laws and regulations and the authorization of the personal information subject.

[0076] For ease of subsequent understanding and explanation, the embodiments of this application may be... Figure 1 A terminal device is selected from the terminal device cluster shown for example, such as terminal device 101a. When a status identification instruction for a digital resource account is received, terminal device 101a can send a status identification request for the digital resource account to the business server 100 through an application client bound to a business object identifier. The digital resource account is bound to a business object identifier. In this embodiment, the information used to identify the business object in the business platform (i.e., the application client) is referred to as the business object identifier. This embodiment does not limit the content of the business object identifier; it can be any information that can be used to identify the business object in the business platform, as long as it is unique. The digital resource account is provided by the institutional platform, and the institutional platform provides resource pre-transfer functionality for the digital resource account; the business platform to which the business object identifier belongs is different from the institutional platform. In this embodiment, the digital resource account refers to a tool used to manage digital resources, which can realize the transfer of digital resources in online or offline transactions.

[0077] The application client provided in this embodiment serves as a third-party transaction application and can be bound to digital resource accounts provided by different operating institutions (i.e., institutional platforms). This embodiment does not limit the digital resource accounts; any digital resource account with transaction and resource pre-transfer functions can be used. The resource pre-transfer function refers to the fact that when a business object transfers resources through a digital resource account, the digital resource account may not have any digital resources. The resources are transferred out by pre-drawing digital resources, for example, the digital resource account is a credit card.

[0078] Furthermore, the business server 100 receives a status identification request for a digital resource account sent by the terminal device 101a. This status identification request is used to identify the resource return status of the digital resource account. Based on the status identification request, the business server 100 can retrieve resource return records associated with the digital resource account from the database. These resource return records refer to transaction records generated on the business platform for the first resource pre-transfer list using a business object identifier. The first resource pre-transfer list can be understood as a list of resources that have already been returned; therefore, the second resource pre-transfer list described below can be understood as a list of resources awaiting return. For example, if the digital resource account is a credit card, then the resource pre-transfer list can represent the credit card statement. Specifically, the first resource pre-transfer list represents the statement that has been returned to the terminal device 101a when the status identification request is received, and the second resource pre-transfer list represents the statement that has not been returned to the terminal device 101a when the status identification request is received. Correspondingly, the resource return record can be a repayment record for the first resource pre-transfer list.

[0079] Furthermore, in the resource return record generation time, the business server 100 obtains the latest generation time. Based on the latest generation time, the resource return status of the digital resource account can be determined. The specific process of determining the resource return status will not be described in detail here; please refer to the following text. Figure 2 The description in the corresponding embodiment. Based on the resource return status, the business server 100 can determine the conditions for obtaining the list of digital resource accounts; the list obtaining conditions refer to obtaining the list from the institution server corresponding to the institution platform (e.g., Figure 1 In the institutional server 102a), the conditions for obtaining the second resource pre-transfer list of digital resource accounts are as follows: the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0080] Subsequently, the business server 100 can determine whether the digital resource account meets the list retrieval conditions. If the digital resource account meets the list retrieval conditions, it sends a resource pre-transfer query request for the digital resource account to the institutional server 102a. The institutional server 102a then performs a resource pre-transfer query on the digital resource account based on the request, obtaining a second resource pre-transfer list. Further, the institutional server 102a can return the second resource pre-transfer list to the business server 100, or return it to the terminal device 101a via P2P. If the digital resource account does not meet the list retrieval conditions, subsequent processing is suspended until the digital resource account meets the list retrieval conditions.

[0081] Optionally, the business server 100 can return the list retrieval conditions to the terminal device 101a. After receiving the list retrieval conditions sent by the business server 100, the terminal device 101a can determine locally whether the digital resource account meets the list retrieval conditions. If it does, it sends a resource pre-transfer query request for the digital resource account to the organization server 102a. The subsequent processing is the same as the corresponding processing of the business server 100, so it will not be described in detail here. Please refer to the description above.

[0082] Optionally, the business server 100 can return the resource return status to the terminal device 101a. At this time, the terminal device 101a can determine the list acquisition conditions of the digital resource accounts locally based on the resource return status, and then determine whether the digital resource accounts meet the list acquisition conditions. It is understood that the subsequent processing is the same as the processing process above, so it will not be described in detail here.

[0083] Optionally, the business server 100 can return the latest generation time to the terminal device 101a. Therefore, the terminal device 101a can determine the resource return status of the digital resource account locally based on the latest time, and then determine the conditions for obtaining the list of digital resource accounts based on the resource return status. It is understood that the subsequent processing is the same as the processing process above, so it will not be described in detail here.

[0084] Optionally, if the terminal database of terminal device 101a stores the aforementioned resource return records, then upon receiving a status identification instruction for a digital resource account, terminal device 101a can retrieve the resource return records associated with the digital resource account from the terminal database. It is understood that the subsequent processing is the same as described above, and therefore will not be repeated here. The resource return records locally on terminal device 200a can be generated or updated by business server 100 and then sent to terminal device 200a.

[0085] As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0086] It should be noted that the aforementioned business server 100, terminal device 101a, terminal device 101b, ..., terminal device 101n, institutional server 102a, institutional server 102b, ..., institutional server 102n can all be blockchain nodes in the blockchain network. The data described in the entire text (such as business object identifiers, digital resource accounts, and resource return status) can be stored. The storage method can be that the blockchain node generates blocks based on the data and adds the blocks to the blockchain for storage.

[0087] Blockchain is a novel application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. It is primarily used to organize data chronologically and encrypt it into a ledger, making it tamper-proof and forgery-proof. It also allows for data verification, storage, and updating. Essentially, a blockchain is a decentralized database where each node stores an identical blockchain record. The blockchain network can be categorized into core nodes, data nodes, and light nodes. These three types of nodes together constitute the blockchain network. Core nodes are responsible for the consensus of the entire blockchain network; in other words, they are the consensus nodes. The process of writing transaction data into the ledger in a blockchain network can be as follows: data nodes or light nodes in the blockchain network obtain transaction data and pass it through the network (i.e., nodes pass it like a relay) until the consensus node receives the transaction data. The consensus node then packages the transaction data into a block, performs consensus on the block, and writes the transaction data into the ledger after consensus is achieved. Here, we take the business object identifier, digital resource account, and resource return status as an example of transaction data. After reaching a consensus on the transaction data, the business server 100 (blockchain node) generates a block based on the transaction data and stores the block in the blockchain network. As for reading the transaction data (i.e., the business object identifier, digital resource account, and resource return status), the blockchain node can obtain the block containing the transaction data in the blockchain network, and further retrieve the transaction data from the block.

[0088] It is understood that the methods provided in this application embodiment can be executed by computer devices, including but not limited to terminal devices or business servers. The business server can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server providing basic cloud computing services such as cloud databases, cloud services, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. Terminal devices include but are not limited to mobile phones, computers, intelligent voice interaction devices, smart home appliances, vehicle terminals, and aircraft. The terminal devices, business servers, and institutional servers can be directly or indirectly connected via wired or wireless means, and this application embodiment does not impose any limitations on this connection.

[0089] The above system architecture is applicable to resource transfer query scenarios, as well as resource return status query scenarios, resource return status identification scenarios, and resource return status analysis scenarios. Specific business scenarios will not be listed here.

[0090] Further, please see Figure 2 , Figure 2 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 1 The embodiments of this application can be applied to various scenarios, including but not limited to cloud technology, artificial intelligence, smart transportation, and assisted driving. This data processing method can be provided by a business server (e.g., the one described above). Figure 1 The business server 100 shown can execute the service, or it can be executed by a terminal device (e.g., the one described above). Figure 1 The method can be executed by the terminal device 101a), or it can be executed interactively by the service server and the terminal device. For ease of understanding, this embodiment uses the execution by the service server as an example. Figure 2 As shown, the data processing method may include at least the following steps S101-S104.

[0091] Step S101: Obtain the business object identifier that is bound to the digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account.

[0092] Specifically, the institutional platform that provides digital resource accounts to business users differs from the business platform (i.e., the application client) that provides business object identifiers. The business platform refers to a platform that enables the return of digital resources through digital resource accounts; it is a third-party application that integrates one or more institutional platforms. For example, the business platform might be a third-party payment application, the institutional platform might be a bank, the business server might be the backend server corresponding to the business platform, and the institutional server might be the backend server corresponding to the bank. The business object identifier is a unique account or mapping information provided by the platform to the business user. The digital resource account is a credit card with a resource pre-transfer function. The resource pre-transfer function means that the digital resource account can currently not hold digital resources, but can still transfer them out; that is, the digital resource is transferred out first, and then held, meaning the actual transfer of digital resources occurs after the business transaction.

[0093] This application does not limit the method by which the business server obtains the business object identifier. It can be that a terminal device bound to the business object identifier sends the business object identifier to the business server, for example, when the terminal device responds to a resource pre-transfer query operation for a digital resource account; or the business server can obtain the business object identifier from an identifier database. This application describes the example of the business server obtaining the business object identifier from an identifier database.

[0094] Please see also Figure 3 , Figure 3 This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 1 .like Figure 3 As shown, the business server 100 obtains the business object identifier from the identifier database 301a. This application embodiment does not limit the number of business object identifiers in the identifier database 301a, which can be set according to the actual application scenario. In addition, this application embodiment does not limit the frequency at which the business server 100 obtains the business object identifier from the identifier database 301a, including but not limited to daily, weekly, etc., which can be set according to the actual application scenario.

[0095] For ease of understanding and narration, Figure 3 The example identifier database 301a includes three business object identifiers, namely: Figure 3 The examples are identifier 1, identifier 2, and identifier 3. Furthermore, the identifier database 301a may include digital resource accounts bound to business object identifiers. For ease of description, Figure 3 Business object identifiers are simply referred to as identifiers, such as identifier 1 and identifier 2; digital resource accounts are simply referred to as accounts, such as... Figure 3 Accounts 11 and 21 are mentioned; the platform will be referred to as "institution" for short, such as institution a and institution c.

[0096] like Figure 3 As shown, identifier 1 is bound to account 11 belonging to organization a and account 12 belonging to organization b; identifier 2 is bound to account 21 belonging to organization c and account 22 belonging to organization b; and identifier 3 is bound to account 31 belonging to organization d. It can be understood that an account can be bound to one or more identifiers, and an identifier can be bound to one or more accounts.

[0097] Step S102: Based on the business object identifier, retrieve the resource return record associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier.

[0098] Specifically, in this application embodiment, the business object identifier refers to information used to identify a business object in the business platform. It is unique and can be business object information or business backend information in the background that has a unique mapping relationship with business object information.

[0099] The business server can access the database (e.g., based on the business object identifier) Figure 3 Retrieve resource return records associated with digital resource accounts from account database 302a). Figure 3 The account database 302a and the identifier database 301a can be the same database or related to different databases; this is not limited here. It is understood that the business server processes each business object identifier in the same way, for example... Figure 3 The processing procedures for identifier 1, identifier 2, and identifier 3 by the business server 100 are all the same. Therefore, for ease of understanding and description, this section will use the processing of identifier 1 by the business server 100 as an example. For the processing of identifier 2 and identifier 3 by the business server 100, please refer to the description below.

[0100] Please see again. Figure 3 The business server 100 retrieves account 11 and account 12 bound to identifier 1 from the account database 302a. Further, it retrieves the resource return record 301c associated with account 11 and the resource return record 302c associated with account 12. A single digital resource account can have one or more resource return records. Figure 3 As shown in the example, resource return record 301c corresponding to account 11 includes two resource return records. The first resource return record was generated on February 2, 2023. It is based on the resource pre-transfer list for account 11 in January 2023 on the business platform using identifier 1 (i.e., Figure 3The first resource return record was generated by returning 800 digital resources from the January resource pre-transfer list (in the database). Specifically, account 11's January resource pre-transfer list had a pending resource value of 854. The second resource return record was generated on March 2, 2023, through identifier 1 on the business platform for account 11's February 2023 resource pre-transfer list (i.e., ...). Figure 3 The February resource pre-transfer list (generated from the list of resources to be transferred out) contains 205 digital resources to be returned. Specifically, account 11's February resource pre-transfer list has a pending resource value of 205. It can be understood that account 11's first resource pre-transfer list includes... Figure 3 The list of resources to be transferred out in January and the list of resources to be transferred out in February.

[0101] like Figure 3 As shown in the example, resource return record 302c corresponding to account 12 includes two resource return records. The first resource return record was generated on May 7, 2023. It is based on the resource pre-transfer list for account 12 in April 2023 on the business platform using identifier 1 (i.e., Figure 3 The first resource return record was generated on June 7, 2023, through identifier 1 on the business platform for the resource pre-transfer list of account 12 in April, which returned 864 digital resources. The second resource return record was generated on June 7, 2023, through identifier 1 on the business platform for the resource pre-transfer list of account 12 in May 2023 (i.e.,...). Figure 3 The May resource pre-transfer list (generated by returning 500 digital resources) is used for account 12, whose May resource pre-transfer list has a pending resource value of 756. It is understandable that account 12's first resource pre-transfer list includes... Figure 3 The list of resources to be transferred out in April and the list of resources to be transferred out in May.

[0102] In this embodiment, if the digital resource account is a credit card, the first resource pre-transfer list can represent the credit card bill that has been returned to the business object identifier, and the resource return record can represent the credit card repayment record. For example, a business object can query its own credit card bill through a business application (i.e., an application client) bound to a business object identifier, and then perform a repayment operation on the bill through the business application.

[0103] Step S103: Obtain the latest generation time from the generation time of the resource return record, and determine the resource return status of the digital resource account based on the latest generation time.

[0104] Specifically, determine the time difference between the latest generation time and the current time; the latest generation time is earlier than or equal to the current time; compare the time difference with the return time threshold; if the time difference is greater than the return time threshold, the resource return inactive state is determined as the resource return state of the digital resource account; if the time difference is equal to or less than the return time threshold, the resource return active state is determined as the resource return state of the digital resource account.

[0105] A digital resource account can have one or more resource return records. Figure 3 The examples given are account 11 with two resource return records (resource return record 301c) and account 12 with two resource return records (resource return record 302c). It can be understood that one resource return record corresponds to one generation time, such as... Figure 3 As shown, the first resource return record for account 11 was generated on February 2, 2023, meaning the generation time of the first resource return record is February 2, 2023; the second resource return record for account 11 was generated on March 2, 2023, meaning the generation time of the second resource return record is March 2, 2023. Therefore, based on the generation time of resource return record 301c, business server 100 can determine that March 2, 2023, is the latest generation time 301d for account 11.

[0106] Similarly, the first resource return record for account 12 was generated on May 7, 2023, meaning the generation time of the first resource return record is May 7, 2023; the second resource return record for account 12 was generated on June 7, 2023, meaning the generation time of the second resource return record is June 7, 2023. Therefore, based on the generation time of resource return record 301c, business server 100 can determine that June 7, 2023 is the latest generation time 302d for account 12.

[0107] Furthermore, business server 100 obtains the current time 30e. For ease of explanation and understanding, Figure 3 Let's take the current time 30e as July 7, 2023. Business server 100 determines the time difference 301x between the latest generation time 301d corresponding to account 11 and the current time 30e. Figure 3 For periods exceeding 3 months, similarly, determine the time difference 302x between the latest generation time 302d corresponding to account 12 and the current time 30e, i.e. Figure 3 One month in the middle.

[0108] Furthermore, the business server 100 compares the time difference with the return time threshold; please refer to [the relevant documentation / reference]. Figure 4 , Figure 4This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 2 .like Figure 4 As shown, for ease of description and understanding, this embodiment of the application uses a return time threshold of 3 months as an example. It is understood that the return time threshold can be set according to the actual application scenario, and this embodiment of the application does not limit it. By comparing the time difference 301x corresponding to account 11 with the return time threshold 30f, the business server 100 can determine that the time difference 301x is greater than the return time threshold 30f, so the resource return inactive state can be determined as the resource return state 301g of account 11. Similarly, by comparing the time difference 302x corresponding to account 12 with the return time threshold 30f, the business server 100 can determine that the time difference 302x is less than the return time threshold 30f, so the resource return active state can be determined as the resource return state 302g of account 12.

[0109] The above process determines the resource return status of a digital resource account by comparing the time difference between the latest generation time and the current time with a return time threshold. In practical applications, the business server can also generate a status update time based on the latest generation time. The status update time refers to the time it takes for the digital resource account to change from an active resource return status to an inactive resource return status. Figure 3 In the example of the latest generation time 302d, business server 100 sums the latest generation time 302d and the return time threshold to obtain the status update time corresponding to account 12. Taking a 3-month return time threshold as an example, the status update time of account 12 is September 6, 2023. That is, between June 7, 2023 and September 6, 2023, account 12 is in an active resource return state. If, between June 7, 2023 and September 6, 2023, the business object performs resource return processing on account 12 again through the business platform (i.e., identifier 1), then business server 100 generates a new resource return record, thereby determining a new latest generation time, and thus generating a new status update time.

[0110] If, between June 7, 2023 and September 6, 2023, the business entity does not perform resource return processing for account 12 through the business platform (i.e., identifier 1), then business server 100 can update the resource return active status of account 12 to the resource return inactive status on September 7, 2023. If, on September 8, 2023, the business entity performs resource return processing for account 12 again through the business platform (i.e., identifier 1), then business server 100 can generate a new resource return record, thereby determining a new latest generation time, and thus generating a new status update time. Furthermore, it can update the resource return inactive status of account 12 to the resource return active status. The subsequent processing is the same as described above and will not be repeated here. The above process is actually the business server 100 comparing the current time with the status update time. If the current time is earlier than or equal to the status update time, it can be determined that the digital resource account is in an active state of resource return. If the current time is later than the status update time, the business server 100 can determine that the digital resource account is in an inactive state of resource return.

[0111] Step S104: Determine the conditions for obtaining the list of digital resource accounts based on the resource return status; the conditions for obtaining the second resource pre-transfer list of digital resource accounts from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0112] Specifically, if the resource return status is active, the first list retrieval condition is determined as the list retrieval condition for the digital resource account; the first list retrieval condition includes the terminal device bound to the business object identifier responding to the access operation against the business platform; if the resource return status is inactive, the second list retrieval condition is determined as the list retrieval condition; the second list retrieval condition includes, after responding to the access operation against the business platform, the terminal device continuing to respond to the trigger operation against the list query control associated with the digital resource account.

[0113] Specifically, if a digital resource account meets the list retrieval conditions, a resource pre-transfer query request is sent to the corresponding institutional server of the institutional platform, so that the institutional server performs resource pre-transfer query processing on the digital resource account according to the resource pre-transfer query request and generates a second resource pre-transfer list; the second resource pre-transfer list returned by the institutional server is obtained; the second resource pre-transfer list is displayed on the terminal device bound to the business object identifier.

[0114] This application embodiment sets different list retrieval conditions for digital resource accounts based on different resource return statuses. Please refer to [link / reference]. Figure 4 Business server 100 determines that the resource return status 301g of account 11 is an inactive resource return status. Therefore, the second list retrieval condition is determined to be the list retrieval condition 301h for account 11. Figure 4 The system identifies and responds to access operations on the business platform, and continues to respond to trigger operations on list query controls associated with the account, as shown in the example of the second list retrieval condition.

[0115] Business server 100 determines that the resource return status 302g of account 12 is in an active resource return state. Therefore, the first list retrieval condition is determined to be the list retrieval condition 302h for account 12. Figure 4 Example of an access operation to a business platform, using identifiers to retrieve the first list of conditions.

[0116] This application does not elaborate on the determination of whether a digital resource account meets the list retrieval conditions in this embodiment; please refer to the following text. Figure 6 The description in the corresponding embodiments. If the digital resource account meets the list retrieval conditions, the business server can send the resource pre-transfer query request to the institution server corresponding to the institution platform. Please refer to [the relevant documentation]. Figure 5 , Figure 5 This is a schematic diagram of a data processing scenario provided in an embodiment of this application. Figure 3 .like Figure 5 As shown, in Figure 4 When account 12 meets the conditions for obtaining the first list, business server 100 sends resource pre-transfer request 30i to the institution server 102a corresponding to institution b. Figure 5 Example of a pre-transfer request for digital resources for account 12: pre-transfer request 30i.

[0117] After receiving the resource pre-transfer query request 30i, the institutional server 102a can obtain account 12. Furthermore, it performs a resource pre-transfer query on account 12, generating a second resource pre-transfer list 30j. It can be understood that the second resource pre-transfer list is generated after the institutional server 102a receives the resource pre-transfer request 30i; therefore, the second resource pre-transfer list is a real-time resource pre-transfer list. Figure 5 For ease of description and understanding, the second resource pre-transfer list 30j corresponding to example account 12 includes the June resource pre-transfer list and the latest resource return date for the pending resource value of 562 in the June resource pre-transfer list, as follows: Figure 5 The example shown is July 7, 2023.

[0118] Furthermore, the institutional server 102a returns the second resource pre-transfer list 30j to the business server 100, so that the business server 100 returns the second resource pre-transfer list 30j to the terminal device 101a, or the institutional server 102a directly returns the second resource pre-transfer list 30j to the terminal device 101a bound to identifier 1. The second resource pre-transfer list (including...) Figure 5 The display process of the second resource pre-transfer list 30j) in this application embodiment will not be described in detail here; please refer to the following text. Figure 9 The description in the corresponding embodiments.

[0119] This application proposes a method to distinguish whether a digital resource account is in an active resource return state, thereby executing different list query logic. Through this application, the traffic protection capability of the business platform for the list query interface of the institutional platform is greatly improved, while also ensuring a fast experience for list queries of digital resource accounts in an active resource return state.

[0120] In this embodiment, the terminal device can first respond to the access operation for the business platform, and then determine the resource return status of the digital resource account bound in the business object identifier. At this time, if the resource return status is active, the terminal device or the business server can send a resource pre-transfer query request to the institution server to obtain the second resource pre-transfer list. If the resource return status is inactive, the terminal device or the business server will not send a resource pre-transfer query request to the institution server. That is, the terminal device will not obtain the second resource pre-transfer list. The business object needs to perform a further list query operation before sending a resource pre-transfer query request to the institution server to obtain the second resource pre-transfer list.

[0121] Optionally, the terminal device or business server can first determine the resource return status of the digital resource account bound to the business object identifier. If the resource return status is active, then when responding to an access operation targeting the business platform, the terminal device or business server can directly send a resource pre-transfer query request to the institutional server to obtain the second resource pre-transfer list returned by the institutional server. If the resource return status is inactive, then when responding to an access operation targeting the business platform, the terminal device or business server will not send a resource pre-transfer query request to the institutional server. Instead, when the business object performs a list query operation in the business application, it will send a resource pre-transfer query request to the institutional server to obtain the second resource pre-transfer list returned by the institutional server.

[0122] As mentioned above, when a business object accesses a business application on a terminal device, the terminal device or business server automatically queries the institution server for the second resource pre-transfer list only for digital resource accounts whose resource return status is active. For digital resource accounts whose resource return status is inactive, the business object needs to manually trigger the query operation with the digital resource account as the query dimension before the terminal device or business server will query the institution server for the second resource pre-transfer list.

[0123] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0124] Please see Figure 6 , Figure 6 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 2 This method can be implemented by a business server (e.g., the one mentioned above). Figure 1 The business server 100 shown can execute the service, or it can be executed by a terminal device (e.g., the one described above). Figure 1The method can be executed by the terminal device 101a), or it can be executed interactively by the service server and the terminal device. For ease of understanding, this embodiment of the application will illustrate the method as being executed interactively by the service server and the terminal device. Figure 6 As shown, the method may include at least the following steps.

[0125] Step S201: Obtain access prompt information; the access prompt information is generated by the terminal device when responding to an access operation against the business platform.

[0126] Specifically, the business server receives access prompt information sent by the terminal device. This access prompt information can also be understood as being generated by the terminal device in response to a startup operation targeting the business platform. The terminal device has a business application installed, provided by the business platform. This application is bound to a business object identifier, and the business object binds the digital resource account belonging to the institutional platform to the business object identifier.

[0127] Step S202: Obtain the business object identifier from the access prompt information; the business object identifier is bound to a digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account.

[0128] Step S203: Based on the business object identifier, retrieve the resource return record associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier.

[0129] Step S204: Obtain the latest generation time from the generation time of the resource return record, and determine the resource return status of the digital resource account based on the latest generation time.

[0130] For details, please refer to the above process as well. Figure 7 , Figure 7 This is an interactive illustration of a data processing method provided in an embodiment of this application. Figure 1 .like Figure 7 As shown, the data processing method includes the following steps.

[0131] Step S21: The terminal device responds to the access operation for the business platform and generates access prompt information.

[0132] In step S22, the terminal device sends an access prompt message to the service server. This access prompt message includes the service object identifier.

[0133] Step S23: The business server obtains the business object identifier from the access prompt information.

[0134] Step S24: The business server obtains the digital resource account bound to the business object identifier. This embodiment of the application does not limit the number of digital resource accounts; it can be 0, 1, or greater than 1.

[0135] Step S25: The business server requests the resource return records of the digital resource accounts from the database (equivalent to the account database mentioned above).

[0136] Step S26: Retrieve resource return records from the database, and obtain the latest generation time among the generation times of the resource return records. This embodiment does not limit the number of resource return records; there can be one or more. If the digital resource account does not have any resource return records, the business server can determine the status based on the binding time of the digital resource account in the business object identifier. The process of determining the resource return status based on the binding time is the same as the process of the business server determining the resource return status based on the latest generation time, and therefore will not be described in detail.

[0137] Step S27: The business server obtains the latest generation time.

[0138] Step S28: The business server determines the resource return status of the digital resource account based on the latest generation time. Please refer to the above for the specific determination process. Figure 2 The description of step S103 in the corresponding embodiment.

[0139] Step S205: Determine the list display conditions for digital resource accounts based on resource return status; the list display conditions refer to the conditions under which the second resource pre-transfer list of digital resource accounts is displayed on terminal devices bound to business object identifiers; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0140] For the specific implementation process of step S205, please refer to the above text. Figure 2 The description of step S104 in the corresponding embodiment will not be repeated here.

[0141] Step S206: If the resource return status is active, then the digital resource account is determined to meet the list display conditions; the active resource return status is used to indicate that the time difference between the latest generation time and the current time is equal to or less than the return time threshold.

[0142] Specifically, in this embodiment, the terminal device first responds to the startup operation for the business platform, and then determines the resource return status of the digital resource account. Therefore, when the resource return status is active, the business server can determine that the digital resource account meets the list display conditions. Further, the business server can send a resource pre-transfer query request to the institutional server, so that the institutional server can perform a resource pre-transfer query on the digital resource account based on the request, obtaining a second resource pre-transfer list. It is understood that the value of the resource to be returned in the second resource pre-transfer list can be 0, meaning that the digital resource account has no resources to be pre-transfer at this time.

[0143] Step S207: If the resource return status is inactive, then it is determined that the digital resource account does not meet the list display conditions; the inactive resource return status is used to indicate that the time difference is greater than the return time threshold.

[0144] Specifically, if the resource return status is inactive, then when the terminal device responds to the trigger operation of the list query control associated with the digital resource account, it is determined that the digital resource account meets the list retrieval conditions.

[0145] Although the business application on the terminal device has been started, the business server still determines that the digital resource account does not meet the list display conditions because the resource return status of the digital resource account is in an inactive state. If the business object triggers the list query control associated with the digital resource account on the terminal device, the terminal device responds to the trigger operation of the list query control associated with the digital resource account and sends a resource pre-transfer query request for the digital resource account to the business server. After receiving the resource pre-transfer query request, the business server can determine that the digital resource account meets the list retrieval conditions, and then forwards the resource pre-transfer query request to the organization server, so that the organization server can perform resource pre-transfer query processing on the digital resource account according to the resource pre-transfer query request and obtain the second resource pre-transfer list.

[0146] As described above, when a business object starts or accesses the business platform, the terminal device can send an access prompt message to the business server. Based on this message, the business server can identify the business object and obtain the digital resource account bound to it. Further, the business server retrieves the resource return records of the digital resource account, including the latest generation time. Based on this latest generation time, the business server can determine the resource return status of the digital resource account. If the account is in an active resource return state, the business platform directly queries the second resource pre-transfer list and displays it to the business object. If the account is in an inactive resource return state, the terminal device displays a list query control for the digital resource account to the business object. When the business object triggers the list query control, the terminal device queries the second resource pre-transfer list and displays it to the business object. Clearly, the embodiments of this application can effectively reduce the high concurrency brought to the list query system of the institutional platform by querying the second resource pre-transfer list on the business platform homepage, and can allow business users to experience the priority list query rights that can be enjoyed by digital resource accounts that are in an active resource return state. Therefore, it can effectively drive business users to change from only querying the second resource pre-transfer list on the business platform but not returning resources for the second resource pre-transfer list to returning resources for the second resource pre-transfer list.

[0147] Please refer to the above process as well. Figure 8 , Figure 8 This is an interactive illustration of a data processing method provided in an embodiment of this application. Figure 2 .like Figure 8 As shown, the data processing method includes the following steps.

[0148] Step S2a: The terminal device sends an access prompt message to the service server.

[0149] Step S2b: The business server obtains the digital resource account bound to the business object identifier and the list query authorization status of the digital resource account. In this embodiment, only digital resource accounts authorized by the business object can be queried by the business server (terminal device) in the resource pre-transfer list (including the first resource pre-transfer list and the second resource pre-transfer list). That is, only digital resource accounts with a list query authorization status of "list query authorized" can be queried in the resource pre-transfer list.

[0150] Step S2c: The business server determines the resource return status of the digital resource account. It is understood that if the digital resource account is in an unauthorized list query state, then the business server or terminal device does not have permission to query the resource pre-transfer list of the digital resource account.

[0151] Step S2d: The business server returns the resource return status and list query authorization status to the terminal device.

[0152] Step S2e: If a digital resource account is in an inactive state for resource return, the terminal device displays a list of digital resource accounts. The digital resource transfer list includes all digital resource accounts bound to the business object identifier. This embodiment of the application does not limit the number of digital resource accounts.

[0153] In step S2f, in response to the trigger operation of the list query control, the terminal device sends a resource pre-transfer query request to the business server.

[0154] Step S2g: The business server sends a resource pre-transfer query request to the organization server.

[0155] In step S2h, the organization server returns the second resource pre-transfer list to the business server.

[0156] In step S2i, the service server returns the second resource pre-transfer list to the terminal device. It can be understood that steps S2f-S2i can be implemented via P2P, i.e., terminal device-organization server.

[0157] Step S2j: The terminal device displays the second resource pre-transfer list. Steps S2f-S2j are the execution process for each digital resource account. If there are two or more digital resource accounts, the business object needs to trigger the list query control corresponding to each digital resource account to query the second resource pre-transfer list corresponding to each digital resource account.

[0158] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0159] Further, please see Figure 9 , Figure 9 This is a flowchart illustrating a data processing method provided in an embodiment of this application. Figure 3 This data processing method can be performed by a business server (e.g., the one mentioned above). Figure 1 The business server 100 shown can execute the service, or it can be executed by a terminal device (e.g., the one described above). Figure 1 The method can be executed by the terminal device 101a), or it can be executed interactively by the service server and the terminal device. For ease of understanding, this embodiment of the application will illustrate the method as being executed interactively by the service server and the terminal device. Figure 9 As shown, the data processing method may include at least the following steps S301-S302.

[0160] Step S301: In response to the startup operation for the business application bound to the business object identifier, the account page is displayed; the business application refers to the application of the business platform; the account page includes the digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform.

[0161] Please see again. Figure 5 Business object 30z starts the business application in terminal device 101a (such as...) Figure 5 In the example payment application, terminal device 101a can display account page 30k. Account page 30k may include the identifier of the logged-in business object, i.e. Figure 5 The identifier 1 in the example can also include a digital resource account bound to the business object identifier, i.e. Figure 5 Accounts 11 and 12 in the example may also include the institutional platform to which the digital resource account belongs, i.e. Figure 5 The example shows that account 11 belongs to organization a and account 12 belongs to organization b.

[0162] Step S302: On the account page, the resource return status information of the digital resource account is displayed. The resource return status information is determined by the latest generation time among the generation times of the resource return records. The resource return record refers to the transaction record generated in the business application for the first resource pre-transfer list associated with the digital resource account.

[0163] Specifically, the resource return status information includes resource return inactive status information; in response to the triggered operation for resource return inactive status information, status generation prompt information and status update prompt information are displayed; the status generation prompt information includes that the time difference between the latest generation time and the current time is greater than the return time threshold; the status update prompt information is used to prompt the business object to perform the resource return operation through the business application.

[0164] Specifically, resource return status information includes inactive resource return status information; the platform provides a resource pre-transfer function for digital resource accounts; a list query control for digital resource accounts is displayed on the account page; in response to the trigger operation of the list query control, a second resource pre-transfer list for digital resource accounts is displayed; the second resource pre-transfer list is generated later than the first resource pre-transfer list; both the first and second resource pre-transfer lists are generated based on the resource pre-transfer function.

[0165] Specifically, the resource return status information includes resource return activity status information; the resource return activity status information is used to indicate that the time difference between the latest generation time and the current time is less than or equal to the return time threshold; on the account page, a second resource pre-transfer list of the digital resource account is displayed; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list.

[0166] The account page can display the resource return status information of the digital resource account. This resource return status information is used to indicate the resource return status of the digital resource account. For determining the resource return status information (i.e., the resource return status), please refer to the above text. Figure 2 The description of step S103 in the corresponding embodiment.

[0167] Please see again. Figure 5 On the account page 30k, the resource return status information displayed for account 11 is "Resource Return Inactive," while for account 12 it is "Resource Return Active." Clearly, through the resource return status information, business object 30z can quickly understand the resource return status of its two digital resource accounts. If business object 30z triggers the resource return status information corresponding to account 11, such as... Figure 5 As shown, terminal device 101a can display status generation prompt information 90a and status update prompt information 90b. The status generation prompt information 90a includes information where the time difference between the latest generation time and the current time is greater than the return time threshold, combined with... Figures 3-5 In this embodiment, the latest example generation time is March 2, 2023, the current example time is July 7, 2023, and a 3-month example return time threshold is used. Figure 5 The example status message 90a is generated based on the statement, "Your last resource return on the platform was on March 2, 2023, which is more than 3 months ago." Status update message 90b is used to notify business object 30z through business applications (…). Figure 5 (Using a payment application as an example) to perform resource return operations, and Figure 5 The example status update message 90b reads, "Participating in resource return on the platform can be considered as returning to active users, and you can also enjoy quick access to the resource pre-transfer list."

[0168] Clearly, since account 11 is in an inactive state due to resource return, the account page 30k does not display the second resource pre-transfer list for account 11, but it does display a list query control for account 11. Figure 5The query control 90c is used in the context of business object 30z. If business object 30z triggers the query control 90c, then terminal device 101a responds to the trigger operation of the query control and displays the second resource pre-transfer list of account 11. It can be understood that the second resource pre-transfer list is the latest resource pre-transfer list of account 11. Please refer to the description above for its generation and transmission process, which will not be repeated here.

[0169] Clearly, since account 12 is in an active resource return state, the account page directly displays the second resource pre-transfer list for account 12 in the 30k range, such as... Figure 5 The meaning of the second resource pre-transfer list 30j in the document is described above and will not be repeated here.

[0170] Understandable Figure 5 The interfaces and controls shown are merely some forms of representation for reference. In actual business scenarios, developers can make relevant designs according to product requirements. This application does not limit the specific forms of the interfaces and controls involved.

[0171] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0172] Further, please see Figure 10 , Figure 10 This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application. Figure 1 The aforementioned data processing device 1 can be a computer program (including program code) running on a computer device, for example, the data processing device 1 is an application software; the data processing device 1 can be used to execute the corresponding steps in the methods provided in the embodiments of this application. Figure 10 As shown, the data processing device 1 may include: a first acquisition module 11, a second acquisition module 12, a first determination module 13, and a second determination module 14.

[0173] The first acquisition module 11 is used to acquire the business object identifier that is bound to the digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account;

[0174] The second acquisition module 12 is used to retrieve resource return records associated with digital resource accounts from the database based on the business object identifier; the resource return records refer to the transaction records generated on the business platform for the first resource pre-transfer list based on the business object identifier.

[0175] The first determining module 13 is used to obtain the latest generation time in the generation time of the resource return record, and determine the resource return status of the digital resource account based on the latest generation time.

[0176] The second determining module 14 is used to determine the conditions for obtaining the list of digital resource accounts based on the resource return status. The list obtaining conditions refer to the conditions for obtaining the second resource pre-transfer list of digital resource accounts from the institutional server corresponding to the institutional platform. The generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list. Both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0177] The specific functional implementation methods of the first acquisition module 11, the second acquisition module 12, the first determination module 13, and the second determination module 14 can be found in the above description. Figure 2 Steps S101-S104 in the corresponding embodiment will not be described again here.

[0178] Please see again Figure 10 The first determining module 13 may include: a first determining unit 131, a second determining unit 132, and a third determining unit 133.

[0179] The first determining unit 131 is used to determine the time difference between the latest generation time and the current time; the latest generation time is earlier than or equal to the current time.

[0180] The second determining unit 132 is used to compare the time difference with the return time threshold. If the time difference is greater than the return time threshold, the resource return inactive state is determined as the resource return state of the digital resource account.

[0181] The third determining unit 133 is used to determine the resource return active status as the resource return status of the digital resource account if the time difference is equal to or less than the return time threshold.

[0182] The specific functional implementation methods of the first determining unit 131, the second determining unit 132, and the third determining unit 133 can be found in the above description. Figure 2 Step S103 in the corresponding embodiment will not be described again here.

[0183] Please see again Figure 10The second determining module 14 may include a fourth determining unit 141 and a fifth determining unit 142.

[0184] The fourth determining unit 141 is used to determine the first list acquisition condition as the list acquisition condition of the digital resource account if the resource return status is an active resource return status; the first list acquisition condition includes the terminal device responding to the access operation of the business platform.

[0185] The fifth determining unit 142 is used to determine the second list acquisition condition as the list acquisition condition if the resource return status is a resource return inactive status; the second list acquisition condition includes that after responding to the access operation for the business platform, the terminal device continues to respond to the trigger operation for the list query control associated with the digital resource account.

[0186] The specific functional implementation methods of the fourth determining unit 141 and the fifth determining unit 142 can be found in the above description. Figure 2 Step S104 in the corresponding embodiment will not be described again here.

[0187] Please see again Figure 10 The data processing device 1 may further include: a request sending module 15 and a third acquisition module 16.

[0188] The request sending module 15 is used to send a resource pre-transfer query request to the institution server corresponding to the institution platform if the digital resource account meets the list acquisition conditions, so that the institution server can perform resource pre-transfer query processing on the digital resource account according to the resource pre-transfer query request and generate a second resource pre-transfer list.

[0189] The third acquisition module 16 is used to acquire the second resource pre-transfer list returned by the institution server; the second resource pre-transfer list is displayed on the terminal device.

[0190] The specific functional implementation of the request sending module 15 and the third acquisition module 16 can be found in the above description. Figure 2 Step S104 in the corresponding embodiment will not be described again here.

[0191] Please see again Figure 10 The first acquisition module 11 may include a first acquisition unit 111 and a second acquisition unit 112.

[0192] The first acquisition unit 111 is used to acquire access prompt information; the access prompt information is generated by the terminal device when responding to an access operation against the business platform;

[0193] The second acquisition unit 112 is used to acquire the business object identifier in the access prompt information; the business object identifier is bound to a digital resource account.

[0194] The data processing device 1 may further include a third determining module 17 and a fourth determining module 18.

[0195] The third determination module 17 is used to determine that the digital resource account meets the list acquisition conditions if the resource return status is active. The active resource return status is used to indicate that the time difference between the latest generation time and the current time is equal to or less than the return time threshold.

[0196] The fourth determination module 18 is used to determine that if the resource return status is inactive, the digital resource account does not meet the list acquisition conditions; the inactive status is used to indicate that the time difference is greater than the return time threshold.

[0197] The specific functional implementation methods of the first acquisition unit 111, the second acquisition unit 112, the third determination module 17, and the fourth determination module 18 can be found in the above description. Figure 6 Steps S201-S202 and S206-S207 in the corresponding embodiments will not be described again here.

[0198] Please see again Figure 10 The data processing device 1 may further include: a fifth determining module 19.

[0199] The fifth determination module 19 is used to determine that the digital resource account meets the list retrieval conditions when the terminal device responds to the trigger operation of the list query control associated with the digital resource account if the resource return status is inactive.

[0200] The specific functional implementation of the fifth determining module 19 can be found in the above. Figure 6 Step S203 in the corresponding embodiment will not be described again here.

[0201] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0202] Further, please see Figure 11 , Figure 11 This is a schematic diagram of the structure of a data processing device provided in an embodiment of this application. Figure 2 The aforementioned data processing device 2 can be a computer program (including program code) running on a computer device, for example, the data processing device 2 is an application software; the data processing device 2 can be used to execute the corresponding steps in the methods provided in the embodiments of this application. Figure 11 As shown, the data processing device 2 may include a first display module 21 and a second display module 22.

[0203] The first display module 21 is used to respond to the startup operation of a business application bound to a business object identifier and display the account page; the business application refers to the application of the business platform; the account page includes the digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform;

[0204] The second display module 22 is used to display the resource return status information of the digital resource account on the account page; the resource return status information is determined by the latest generation time among the generation times of the resource return records; the resource return records refer to the transaction records generated in the business application for the first resource pre-transfer list associated with the digital resource account.

[0205] The specific functional implementation methods of the first display module 21 and the second display module 22 can be found in the above description. Figure 9 Steps S301-S302 in the corresponding embodiment will not be described again here.

[0206] Please see again Figure 11 Resource return status information includes information on inactive resource return status;

[0207] The data processing device 2 may also include a third display module 23.

[0208] The third display module 23 is used to respond to the triggered operation for the inactive status information of resource return, and to display the status generation prompt information and the status update prompt information; the status generation prompt information includes that the time difference between the latest generation time and the current time is greater than the return time threshold; the status update prompt information is used to prompt the business object to perform the resource return operation through the business application.

[0209] The specific functional implementation of the third display module 23 can be found in the above description. Figure 9 Step S302 in the corresponding embodiment will not be described again here.

[0210] Please see again Figure 11 Resource return status information includes information on inactive resource return status; institutional platforms provide resource pre-transfer functionality for digital resource accounts;

[0211] The data processing device 2 may further include a fourth display module 24 and a fifth display module 25.

[0212] The fourth display module 24 is used to display a list query control for digital resource accounts on the account page;

[0213] The fifth display module 25 is used to respond to the trigger operation of the list query control and display the second resource pre-transfer list of the digital resource account; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0214] The specific functional implementation methods of the fourth display module 24 and the fifth display module 25 can be found in the above description. Figure 9 Step S2302 in the corresponding embodiment will not be described again here.

[0215] Please see again Figure 11 Resource return status information includes resource return active status information; resource return active status information is used to indicate that the time difference between the latest generation time and the current time is less than or equal to the return time threshold.

[0216] The data processing device 2 may further include: a sixth display module 26.

[0217] The sixth display module 26 is used to display the second resource pre-transfer list of the digital resource account on the account page; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list.

[0218] The specific functional implementation of the sixth display module 26 can be found in the above description. Figure 9 Step S302 in the corresponding embodiment will not be described again here.

[0219] In this embodiment, the computer device can obtain a business object identifier bound to a digital resource account; wherein, the digital resource account belongs to an institutional platform, and the business object identifier belongs to a business platform different from the institutional platform; the institutional platform can provide a resource pre-transfer function for the digital resource account; further, based on the business object identifier, the computer device can obtain resource return records associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; further, in the generation time of the resource return record, the computer device can obtain the latest generation time, and then determine the resource return status of the digital resource account based on the latest generation time; further, based on the resource return status, the computer device can determine the list acquisition conditions of the digital resource account; wherein, the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function. As mentioned above, the computer device determines the list retrieval conditions for the second resource pre-transfer list based on the resource return status of the digital resource account. Therefore, different list retrieval conditions will be obtained when the resource return status is different, that is, the conditions for accessing the institution server to obtain the second resource pre-transfer list are different. Therefore, by adopting this application, the institution server will not be directly accessed to obtain the second resource pre-transfer list, but will only be accessed when the list retrieval conditions are met. Therefore, it can not only reduce the concurrent access volume of the business platform for the second resource pre-transfer list, but also reduce the access response of the institution server for the second resource pre-transfer list, thus reducing the load on the institution server.

[0220] Further, please see Figure 12 , Figure 12 This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. Figure 12As shown, the computer device 1000 may include: at least one processor 1001, such as a CPU, at least one network interface 1004, a user interface 1003, a memory 1005, and at least one communication bus 1002. The communication bus 1002 is used to implement communication between these components. In some embodiments, the user interface 1003 may include a display screen and a keyboard, and the network interface 1004 may optionally include a standard wired interface or a wireless interface (such as a Wi-Fi interface). The memory 1005 may be high-speed RAM or non-volatile memory, such as at least one disk drive. Optionally, the memory 1005 may also be at least one storage device located remotely from the aforementioned processor 1001. Figure 12 As shown, the memory 1005, which serves as a computer storage medium, may include an operating system, a network communication module, a user interface module, and a device control application program.

[0221] exist Figure 12 In the computer device 1000 shown, the network interface 1004 provides network communication functionality; the user interface 1003 is mainly used to provide an input interface for the user; and the processor 1001 can be used to call the device control application program stored in the memory 1005 to achieve:

[0222] Obtain the business object identifier that is bound to the digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account;

[0223] Based on the business object identifier, retrieve the resource return record associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier.

[0224] Among the generation times of the resource return records, obtain the latest generation time, and determine the resource return status of the digital resource account based on the latest generation time;

[0225] Based on the resource return status, the conditions for obtaining the list of digital resource accounts are determined; the conditions for obtaining the second resource pre-transfer list of digital resource accounts are obtained from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

[0226] Alternatively, processor 1001 can be used to call the device control application stored in memory 1005 to achieve:

[0227] In response to a startup operation for a business application bound to a business object identifier, the account page is displayed; the business application refers to the application of the business platform; the account page includes the digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform;

[0228] The account page displays the resource return status information of the digital resource account. The resource return status information is determined by the latest generation time among the generation times of the resource return records. The resource return record refers to the transaction record generated in the business application for the first resource pre-transfer list associated with the digital resource account.

[0229] It should be understood that the computer device 1000 described in the embodiments of this application can perform the data verification methods or apparatus described in the preceding embodiments, and will not be repeated here. In addition, the beneficial effects of using the same method will not be repeated here either.

[0230] This application also provides a computer-readable storage medium storing a computer program. When executed by a processor, the computer program implements the data verification methods or apparatus described in the preceding embodiments, which will not be repeated here. Furthermore, the beneficial effects of using the same method will also not be repeated.

[0231] The aforementioned computer-readable storage medium can be the data verification device provided in any of the foregoing embodiments or the internal storage unit of the aforementioned computer device, such as the hard disk or memory of the computer device. The computer-readable storage medium can also be an external storage device of the computer device, such as a plug-in hard disk, smart media card (SMC), secure digital (SD) card, flash card, etc., provided on the computer device. Furthermore, the computer-readable storage medium can include both internal storage units and external storage devices of the computer device. The computer-readable storage medium is used to store the computer program and other programs and data required by the computer device. The computer-readable storage medium can also be used to temporarily store data that has been output or will be output.

[0232] This application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. A processor of a computer device reads the computer program from the computer-readable storage medium and executes the computer program, enabling the computer device to perform the data verification methods or apparatus described in the preceding embodiments, which will not be repeated here. Furthermore, the beneficial effects of using the same method will also not be repeated here.

[0233] The terms "first," "second," etc., in the specification, claims, and drawings of this application are used to distinguish different objects, not to describe a specific order. Furthermore, the term "comprising," and any variations thereof, are intended to cover non-exclusive inclusion. For example, a process, method, apparatus, product, or device that includes a series of steps or units is not limited to the listed steps or modules, but may optionally include steps or modules not listed, or may optionally include other step units inherent to these processes, methods, apparatuses, products, or devices.

[0234] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the components and steps of the various examples have been generally described in terms of functionality in the foregoing description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementations should not be considered beyond the scope of this application.

[0235] The above-disclosed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Therefore, any equivalent variations made in accordance with the claims of this application shall still fall within the scope of this application.

Claims

1. A data processing method, characterized in that, include: Obtain the business object identifier that is bound to a digital resource account; the digital resource account belongs to an institutional platform; the business object identifier belongs to a business platform different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account; Based on the business object identifier, retrieve the resource return record associated with the digital resource account from the database; the resource return record refers to the transaction record generated on the business platform for the first resource pre-transfer list through the business object identifier; Among the generation times of the resource return records, the latest generation time is obtained, and the resource return status of the digital resource account is determined based on the latest generation time. Based on the resource return status, the conditions for obtaining the list of digital resource accounts are determined; the conditions for obtaining the second resource pre-transfer list of the digital resource accounts are obtained from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

2. The method according to claim 1, characterized in that, Determining the resource return status of the digital resource account based on the latest generation time includes: Determine the time difference between the latest generation time and the current time; the latest generation time is earlier than or equal to the current time. The time difference is compared with the return time threshold. If the time difference is greater than the return time threshold, the resource return inactive state is determined as the resource return state of the digital resource account. If the time difference is equal to or less than the return time threshold, then the resource return active status is determined as the resource return status of the digital resource account.

3. The method according to claim 2, characterized in that, The step of determining the conditions for obtaining the list of digital resource accounts based on the resource return status includes: If the resource return status is the resource return active status, then the first list acquisition condition is determined as the list acquisition condition of the digital resource account; the first list acquisition condition includes the terminal device responding to the access operation for the business platform; If the resource return status is an inactive resource return status, then the second list retrieval condition is determined as the list retrieval condition; the second list retrieval condition includes, after responding to an access operation for the business platform, the terminal device continues to respond to a trigger operation for a list query control associated with the digital resource account.

4. The method according to claim 1, characterized in that, The method further includes: If the digital resource account meets the list acquisition conditions, the resource pre-transfer query request is sent to the institution server corresponding to the institution platform, so that the institution server performs resource pre-transfer query processing on the digital resource account according to the resource pre-transfer query request and generates the second resource pre-transfer list; The second resource pre-transfer list returned by the institution's server is obtained; the second resource pre-transfer list is displayed on the terminal device.

5. The method according to claim 1, characterized in that, The process of obtaining the business object identifier bound to the digital resource account includes: Obtain access prompt information; the access prompt information is generated by the terminal device in response to an access operation targeting the service platform; Obtain the business object identifier from the access prompt information; the business object identifier is bound to a digital resource account; The method further includes: If the resource return status is active, then the digital resource account is determined to meet the list acquisition conditions; the active resource return status is used to indicate that the time difference between the latest generation time and the current time is equal to or less than the return time threshold. If the resource return status is inactive, then the digital resource account does not meet the list retrieval conditions; the inactive resource return status indicates that the time difference is greater than the return time threshold.

6. The method according to claim 5, characterized in that, The method further includes: If the resource return status is inactive, then when the terminal device responds to a list query control triggered for the digital resource account, it is determined that the digital resource account meets the list retrieval conditions.

7. A data processing method, characterized in that, The method is executed by a terminal device and includes: In response to a startup operation for a business application bound to a business object identifier, an account page is displayed; the business application refers to an application of the business platform; the account page includes a digital resource account bound to the business object identifier and the organizational platform to which the digital resource account belongs; the organizational platform is different from the business platform; The account page displays the resource return status information of the digital resource account; the resource return status information is determined by the latest generation time among the generation times of the resource return records; the resource return records refer to the transaction records generated in the business application for the first resource pre-transfer list associated with the digital resource account. If the resource return status information is resource return active status information, then the list acquisition conditions for the second resource pre-transfer list for the digital resource account include the terminal device responding to the access operation for the business platform; If the resource return status information is inactive, then the list retrieval condition includes, after responding to the access operation for the business platform, the terminal device continues to respond to the trigger operation for the list query control associated with the digital resource account.

8. The method according to claim 7, characterized in that, The resource return status information includes resource return inactive status information; The method further includes: In response to the triggered operation for the inactive status information of the resource return, a status generation prompt and a status update prompt are displayed; the status generation prompt includes the fact that the time difference between the latest generation time and the current time is greater than the return time threshold; the status update prompt is used to prompt the business object to perform the resource return operation through the business application.

9. The method according to claim 7, characterized in that, The resource return status information includes resource return inactive status information; the institutional platform provides a resource pre-transfer function for the digital resource account; The method further includes: On the account page, a list query control for the digital resource account is displayed; In response to a trigger operation on the list query control, a second resource pre-transfer list of the digital resource account is displayed; the second resource pre-transfer list is generated later than the first resource pre-transfer list; both the first and second resource pre-transfer lists are generated based on the resource pre-transfer function.

10. The method according to claim 7, characterized in that, The resource return status information includes resource return active status information; the resource return active status information is used to indicate that the time difference between the latest generation time and the current time is less than or equal to the return time threshold. The method further includes: The account page displays a second resource pre-transfer list for the digital resource account; the second resource pre-transfer list is generated later than the first resource pre-transfer list.

11. A data processing apparatus, characterized in that, include: The first acquisition module is used to acquire the business object identifier that is bound to a digital resource account; the digital resource account belongs to the institutional platform; the business object identifier belongs to a business platform that is different from the institutional platform; the institutional platform provides the resource pre-transfer function for the digital resource account; The second acquisition module is used to acquire resource return records associated with the digital resource account from the database based on the business object identifier; the resource return records refer to transaction records generated on the business platform for the first resource pre-transfer list through the business object identifier. The first determining module is used to obtain the latest generation time among the generation times of the resource return record, and determine the resource return status of the digital resource account based on the latest generation time. The second determining module is used to determine the list acquisition conditions of the digital resource account based on the resource return status; the list acquisition conditions refer to the conditions for obtaining the second resource pre-transfer list of the digital resource account from the institutional server corresponding to the institutional platform; the generation time of the second resource pre-transfer list is later than the generation time of the first resource pre-transfer list; both the first resource pre-transfer list and the second resource pre-transfer list are generated based on the resource pre-transfer function.

12. A data processing apparatus, characterized in that, The device operates on a terminal device and includes: The first display module is used to respond to the launch operation of a business application bound to a business object identifier and display the account page; the business application refers to an application of the business platform; the account page includes a digital resource account bound to the business object identifier and the institutional platform to which the digital resource account belongs; the institutional platform is different from the business platform; The second display module is used to display the resource return status information of the digital resource account on the account page; the resource return status information is determined by the latest generation time among the generation times of the resource return records; the resource return records refer to the transaction records generated in the business application for the first resource pre-transfer list associated with the digital resource account. If the resource return status information is resource return active status information, then the list acquisition conditions for the second resource pre-transfer list for the digital resource account include the terminal device responding to the access operation for the business platform; If the resource return status information is inactive, then the list retrieval condition includes, after responding to the access operation for the business platform, the terminal device continues to respond to the trigger operation for the list query control associated with the digital resource account.

13. A computer device, characterized in that, include: Processor, memory, and network interface; The processor is connected to the memory and the network interface, wherein the network interface is used to provide data communication functions, the memory is used to store computer programs, and the processor is used to invoke the computer programs to cause the computer device to perform the method according to any one of claims 1 to 10.

14. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program adapted to be loaded and executed by a processor to cause a computer device having the processor to perform the method of any one of claims 1-10.

15. A computer program product, characterized in that, The computer program product includes a computer program stored in a computer-readable storage medium, the computer program being adapted to be read and executed by a processor to cause a computer device having the processor to perform the method of any one of claims 1-10.

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