Resource data processing method and device, computer equipment and storage medium

Abstract

The invention relates to a resource data processing method and device, computer equipment, a storage medium and a computer program product, relates to the technical field of information security, and can be applied to the field of financial science and technology or other fields. The method comprises the following steps: in response to a resource issuing instruction sent by a superior user, determining a target number of issued resources and a target resource record identifier of a specified target subordinate user, and transferring the target number of resources from an account of the superior user to an intermediate account, updating the number of resources corresponding to the target resource record identifier in the resource record information; in response to a resource issuing instruction sent by the target subordinate user, issuing resources based on the intermediate account, and updating the number of resources corresponding to the target resource record identifier in the resource record information based on the number of issued resources; and in response to a preset triggering condition, sending the current resource record information to the superior user. By adopting the method, the acquisition efficiency of the resource issuing information in the multi-level resource issuing process can be improved.

Description

Technical Field

[0001] The present application relates to the field of information security technology, and in particular to a resource data processing method, device, computer equipment, storage medium and computer program product. Background Art

[0002] Financial institutions such as banks can provide resource distribution services for corporate customers. For group customers with multiple subsidiaries, there are multi-level resource distribution situations, such as the first-level user (such as the group headquarters) distributing resources to the second-level user (such as the subsidiary), and the second-level user then distributes resources to the next-level user.

[0003] In order to improve the security of resource distribution, after the group headquarters distributes resources to each subsidiary, it is also necessary to collect information about the resources distributed by each subsidiary to the next level of users to achieve resource monitoring. In related technologies, the group headquarters needs to connect with each subsidiary one by one to obtain the resource distribution information of each subsidiary, which has the problem of low efficiency. Summary of the invention

[0004] Based on this, it is necessary to provide a resource data processing method, device, computer equipment, computer-readable storage medium and computer program product that can improve the efficiency of obtaining resource distribution information in the process of multi-level resource distribution to address the above technical problems.

[0005] In a first aspect, the present application provides a resource data processing method. The method comprises:

[0006] In response to a first resource issuing instruction sent by an upper-level user through a first client, determining a first target number of issued resources and a target resource record identifier corresponding to a designated target lower-level user, transferring the first target number of resources from the upper-level user's account to an intermediate account, and updating the resource number corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user based on the first target number;

[0007] In response to a second resource delivery instruction sent by the target subordinate user through the second client, delivering resources based on the intermediate account, and updating the number of resources corresponding to the target resource record identifier in the resource record information based on the number of delivered resources;

[0008] In response to a first preset trigger condition, current resource record information is sent to the first client.

[0009] In one embodiment, before responding to the first resource issuing instruction sent by the superior user through the first client, the method further includes:

[0010] For each subordinate user corresponding to the superior user, generating a resource record identifier corresponding to the subordinate user;

[0011] The resource record identifier corresponding to each of the subordinate users is sent to the first client.

[0012] In one embodiment, the method further comprises:

[0013] In response to a resource return triggering condition, for each subordinate user corresponding to the superior user, determining a resource duration corresponding to the subordinate user;

[0014] When the fund duration meets the preset conditions and the number of resources corresponding to the subordinate user currently recorded in the resource record information is greater than a preset threshold, the resources corresponding to the number of resources of the subordinate user are transferred from the intermediate account to the account of the upper user, and the number of resources corresponding to the subordinate user is updated in the resource record information.

[0015] In one embodiment, the resource record information further includes a resource transfer time; and the determining of the resource duration corresponding to the subordinate user includes:

[0016] The time difference is determined according to the resource transfer time corresponding to the subordinate user recorded in the resource record information and the current time, and the time difference is determined as the resource duration corresponding to the subordinate user.

[0017] In one embodiment, in response to the second resource delivery instruction sent by the target subordinate user through the second client, delivering resources based on the intermediate account includes:

[0018] In response to a second resource issuing instruction sent by the target subordinate user through the second client, determining a second target number of issued resources, and judging whether the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is greater than or equal to the second target number;

[0019] When the number of resources corresponding to the target resource record identifier currently recorded is greater than or equal to the second target number, the resources are issued based on the intermediate account;

[0020] In the case that the number of resources corresponding to the target resource record identifier currently recorded is less than the second target number, prompt information for indicating insufficient resources is sent to the second client corresponding to the target subordinate user.

[0021] In one embodiment, the method further comprises:

[0022] In response to a second preset trigger condition, the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is sent to a second client corresponding to the target subordinate user.

[0023] In a second aspect, the present application provides another resource data processing method. The method comprises:

[0024] Sending a resource delivery instruction to a resource data processing system, wherein the resource delivery instruction includes a target number of delivered resources and a target resource record identifier corresponding to a designated target subordinate user, and the resource delivery instruction is used to instruct the resource data processing system to transfer the target number of resources from the account of the superior user to the intermediate account, and based on the target number, update the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the superior user;

[0025] Receive resource record information sent by the resource data processing system.

[0026] In one embodiment, before sending the resource delivery instruction to the resource data processing system, the method further includes:

[0027] receiving resource record identifiers corresponding to each subordinate user sent by the resource data processing system;

[0028] A first resource issuing instruction is generated according to the target resource record identifier corresponding to the target subordinate user and the first target number of the issued resources.

[0029] In a third aspect, the present application also provides a resource data processing device. The device comprises:

[0030] A first updating module is configured to respond to a first resource issuing instruction sent by an upper-level user through a first client, determine a first target number of issued resources and a target resource record identifier corresponding to a designated target lower-level user, transfer the first target number of resources from the upper-level user's account to an intermediate account, and update the resource number corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user based on the first target number;

[0031] a second updating module, configured to respond to a second resource issuing instruction sent by the target subordinate user through the second client, issue resources based on the intermediate account, and update the number of resources corresponding to the target resource record identifier in the resource record information based on the number of issued resources;

[0032] The first sending module is used to send the current resource record information to the first client in response to a first preset trigger condition.

[0033] In one embodiment, the device further comprises:

[0034] A generating module, used for generating a resource record identifier corresponding to each subordinate user corresponding to the superior user;

[0035] The second sending module is used to send the resource record identifier corresponding to each of the subordinate users to the first client.

[0036] In one embodiment, the device further comprises:

[0037] A determination module, configured to determine, in response to a resource return trigger condition, for each subordinate user corresponding to the superior user, a resource duration corresponding to the subordinate user;

[0038] The third update module is used to transfer the number of resources corresponding to the subordinate user from the intermediate account to the account of the upper-level user, and update the number of resources corresponding to the subordinate user in the resource record information when the fund duration meets the preset conditions and the number of resources corresponding to the subordinate user currently recorded in the resource record information is greater than a preset threshold.

[0039] In one embodiment, the resource record information further includes the resource transfer time; the determination module is specifically used for:

[0040] The time difference is determined according to the resource transfer time corresponding to the subordinate user recorded in the resource record information and the current time, and the time difference is determined as the resource duration corresponding to the subordinate user.

[0041] In one embodiment, the second update module is specifically used for:

[0042] In response to a second resource issuance instruction sent by the target subordinate user through the second client, a second target number of issued resources is determined, and it is judged whether the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is greater than or equal to the second target number; in the case where the number of resources corresponding to the target resource record identifier currently recorded is greater than or equal to the second target number, resources are issued based on the intermediate account; in the case where the number of resources corresponding to the target resource record identifier currently recorded is less than the second target number, a prompt message indicating insufficient resources is sent to the second client corresponding to the target subordinate user.

[0043] In one embodiment, the device further comprises:

[0044] The third sending module is used to send the number of resources corresponding to the target resource record identifier currently recorded in the resource record information to the second client corresponding to the target subordinate user in response to a second preset trigger condition.

[0045] In a fourth aspect, the present application provides another resource data processing device. The device comprises:

[0046] a sending module, configured to send a resource issuing instruction to a resource data processing system, wherein the resource issuing instruction includes a target number of resources to be issued and a target resource record identifier corresponding to a designated target subordinate user, and the resource issuing instruction is used to instruct the resource data processing system to transfer the target number of resources from the account of the superior user to the intermediate account, and based on the target number, update the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the superior user;

[0047] The first receiving module is used to receive resource record information sent by the resource data processing system.

[0048] In one embodiment, the device further comprises:

[0049] A second receiving module, used for receiving resource record identifiers corresponding to each subordinate user sent by the resource data processing system;

[0050] The generating module is used to generate a first resource issuing instruction according to a target resource record identifier corresponding to a target subordinate user and a first target number of issued resources.

[0051] In a fifth aspect, the present application further provides a computer device, wherein the computer device comprises a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the steps of the method described in the first aspect or the second aspect are implemented.

[0052] In a sixth aspect, the present application further provides a computer-readable storage medium, wherein a computer program is stored thereon, and when the computer program is executed by a processor, the steps of the method described in the first aspect or the second aspect are implemented.

[0053] In a seventh aspect, the present application further provides a computer program product, wherein the computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the method described in the first aspect or the second aspect are implemented.

[0054] The resource data processing method, device, computer equipment, storage medium and computer program product can configure an intermediate account and a resource record identifier for each subordinate user. In the process of distributing resources step by step, the corresponding number of resources in the account of the superior user can be transferred to the intermediate account through the resource data processing system, and the current number of resources of each resource record identifier can be recorded in the resource record information. Then, according to the distribution instruction of the subordinate user, the resources are distributed from the intermediate account, and the remaining number of resources of each resource record identifier is updated in the resource record information. Therefore, in the process of multi-level distribution of resources, the same resource data processing system can record all resource distribution information in the distribution process in the resource record information and send it to the client of the superior user, so that the superior user can timely obtain the detailed information of the resource distribution from the superior user to the subordinate user and the subordinate user to the next lower level user, avoiding the need to connect with each subsidiary one by one to obtain relevant information, thereby improving the efficiency of obtaining resource distribution information. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] Figure 1 An application environment diagram of a resource data processing method in an embodiment;

[0056] Figure 2 A schematic diagram of a process flow of a resource data processing method in one embodiment;

[0057] Figure 3 A schematic diagram of a flow chart of a resource data processing method in another embodiment;

[0058] Figure 4 It is a schematic diagram of a process of distributing resources based on an intermediate account in one embodiment;

[0059] Figure 5 A schematic diagram of a flow chart of a resource data processing method in another embodiment;

[0060] Figure 6 is a structural block diagram of a resource data processing device in one embodiment;

[0061] Figure 7 is a structural block diagram of a resource data processing device in another embodiment;

[0062] Figure 8 FIG. 4 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0063] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0064] First of all, before specifically introducing the technical solution of the embodiment of the present application, the technical background or technical evolution context on which the embodiment of the present application is based is introduced. Banks and other financial institutions can provide resource distribution services for corporate customers, such as salary distribution services. For group customers including multiple subsidiaries, there is a situation where resources are distributed at multiple levels, such as the account of the group headquarters distributes resources to the account of the subsidiary, and the account of the subsidiary distributes resources to the account of the employee, or the account of the subsidiary distributes resources to the account of the grandson company, and the account of the grandson company distributes resources to the account of the employee. In order to improve the security of resource distribution, after the group headquarters distributes resources to each subsidiary, it is also necessary to collect information on the resources distributed by each subsidiary to the next level of users to realize resource monitoring. In the related technology, the group headquarters needs to connect with each subsidiary one by one to obtain the resource distribution information of each subsidiary, which has the problem of low efficiency. Based on this background, the applicant has proposed the resource data processing method of the present application through long-term research and development and experimental verification. In the process of multi-level resource distribution, all resource distribution information in the distribution process is recorded in the resource record information through the same resource data processing system, and sent to the client of the upper-level user, so that the upper-level user can timely know the detailed information of the resource distribution from the upper-level user to the lower-level user, and the lower-level user to the next lower-level user, avoiding one-to-one connection with each subsidiary to obtain relevant information, improving the efficiency of obtaining resource distribution information, and then achieving the purpose of resource monitoring and improving the security of resource distribution. In addition, it should be noted that the applicant has made a lot of creative work in the discovery of the technical problem of the present application and the technical solution introduced in the following embodiments.

[0065] The resource data processing method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown. Among them, the first client 102 corresponding to the superior user and the second client 104 corresponding to the subordinate user communicate with the resource data processing system 106 through the network respectively. One superior user can correspond to multiple subordinate users. The resource data processing system 106 can be an internal system of a financial institution such as a bank, and can be implemented through a terminal and / or a server. The first client and the second client can be corporate online banking clients.

[0066] In one embodiment, Figure 2 As shown, a resource data processing method is provided, which can be applied to Figure 1 In this embodiment, the method comprises the following steps:

[0067] Step 201, in response to a first resource issuing instruction sent by an upper-level user through a first client, determines a first target number of issued resources and a target resource record identifier corresponding to a designated target lower-level user, transfers the first target number of resources from the upper-level user's account to an intermediate account, and based on the first target number, updates the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user.

[0068] In implementation, the superior user may be the group headquarters, and its corresponding subordinate users may be the subsidiaries. When the group headquarters needs to issue resources to the subsidiaries through the resource issuance service provided by banks and other financial institutions, the group headquarters (superior user) may issue a first resource issuance instruction to the resource data processing system through a first client (such as an enterprise online banking client). The first resource issuance instruction includes the resource record identifier of the designated subordinate user and the number of resources to be issued. When the superior user specifies that the target number of resources is to be issued to the target subordinate user, the resource data processing system may transfer the target number of resources from the superior user's account (such as the basic account opened by the group headquarters in the bank) to an intermediate account (such as an internal accounting account), and update the number of resources corresponding to the resource record identifier of the target subordinate user in the resource record information (such as a resource transfer-in and transfer-out detail table).

[0069] The resource data processing system stores the resource record identifiers (such as the register number RegisterNo A1 ), a resource record identifier is equivalent to a virtual account corresponding to a subordinate user. The intermediate account can correspond to the superior user. The resources issued by the superior user to each subordinate user can be transferred to the intermediate account, and the number of available resources corresponding to each subordinate user is recorded through resource record information, such as the record register number RegisterNo A1 The corresponding number of resources SUM A1 .

[0070] Step 202: In response to a second resource distribution instruction sent by the target subordinate user through the second client, resources are distributed based on the intermediate account, and the number of resources corresponding to the target resource record identifier is updated in the resource record information based on the number of distributed resources.

[0071] In implementation, when a subordinate user needs to distribute resources (such as distributing wages to employees), he can send a resource distribution instruction to the resource data processing system through the enterprise online banking client. The resource distribution instruction may include information such as the number of resources distributed and the account corresponding to the resource distribution (such as the employee's bank account). The resource data processing system can transfer the corresponding number of resources from the intermediate account to the account corresponding to the resource distribution, and update the number of resources corresponding to the target resource record identifier, that is, subtract the number of resources that have been distributed from the original number of resources, and the difference obtained is the number of resources currently recorded (the current number of remaining resources).

[0072] It can be understood that in the case of multi-level users, the upper-level user (such as the group headquarters) can correspond to multiple lower-level users (such as subsidiaries), and the lower-level user (subsidiary) can also correspond to multiple lower-level users (such as grandson companies), and then the lower-level user (grandson company) will send resources to the employee account. Then, each user in the middle level (that is, users except for the two end levels, such as subsidiaries and grandson companies) can use the virtual account corresponding to the resource record identifier to send resources, and record the current remaining number of resources of each resource record identifier through the resource record information. Until the user at the next-to-last level sends the resources to the actual account of the user at the last level, the corresponding number of resources will be transferred from the intermediate account to the actual account of the user at the last level through the resource data processing system.

[0073] Step 203: In response to a first preset trigger condition, send current resource record information to the first client.

[0074] In implementation, the resource data processing system can send the current resource record information to the first client of the superior user so that the superior user can monitor the resources according to the resource record information. The preset trigger condition can be that the current time reaches the preset sending time (such as scheduled sending), or an instruction to obtain the current resource record information sent by the superior user is received.

[0075] In the resource data processing method, by configuring the intermediate account and configuring the resource record identifier for each subordinate user, the superior user can send a resource distribution instruction to the resource data processing system through the client, so that the resource data processing system transfers the corresponding number of resources in the account of the superior user to the intermediate account, and records the number of resources corresponding to each resource record identifier in the resource record information, which is equivalent to setting up a virtual account for each subordinate user, recording the number of resources in the virtual account through the resource record information, and the actual resources are stored in the intermediate account. Then, the resource data processing system can distribute resources from the intermediate account, and update the current remaining resource information of each virtual account through the resource record information. Therefore, in the process of multi-level resource distribution, the same resource data processing system can record all resource distribution information in the distribution process in the resource record information, and send it to the client of the superior user, so that the superior user can timely obtain the detailed information of the resource distribution from the superior user to the subordinate user, and the subordinate user to the next level user, avoiding the need to connect with each subsidiary one by one to obtain relevant information, thereby improving the efficiency of obtaining resource distribution information.

[0076] In one embodiment, before step 201, the method further includes the following steps: for each subordinate user corresponding to the superior user, generating a resource record identifier corresponding to the subordinate user; and sending the resource record identifier corresponding to each subordinate user to the first client.

[0077] In implementation, the resource data processing system can obtain the information of each subordinate user associated with the superior user, and generate a corresponding resource record identifier for each subordinate user, and can record the resource record identifier corresponding to each subordinate user and / or the number of resources corresponding to each resource record identifier in a resource information record table (such as a salary registration table). Then, the resource data processing system can send the resource information record table to the superior user's client, so that the superior user's client can display the resource record identifiers of each subordinate user for the user to view, and can select the resource record identifier of a specified subordinate user to trigger a resource delivery instruction when the resource is delivered.

[0078] Optionally, the superior user can send the information of the subordinate user associated with it to the bank's internal management system, and the bank's internal management system can record the association information between the superior user and the subordinate user, such as the superior user's basic account number ACCNUM, account name ACCNAME, and the subordinate user's group number GROUPID A The resource data processing system can obtain the association information (ACCNUM, ACCNAME, GROUPID) of the upper-level user and the lower-level user from the bank's internal management system. A ) and GROUPID for each subordinate user A Generate the corresponding resource record identifier RegisterNo A1Optionally, a subordinate user can correspond to multiple resource record identifiers (such as RegisterNo A1 、RegisterNo A2 ) and used for corresponding financial services respectively.

[0079] In this embodiment, by generating a corresponding resource record identifier for each subordinate user and sending it to the client of the superior user, the client of the superior user can trigger an instruction to send resources to the target resource record identifier of the designated subordinate user as needed, thereby achieving precise resource management and control.

[0080] In one embodiment, Figure 3 As shown, the method also includes the following steps:

[0081] Step 301, in response to a resource return triggering condition, for each subordinate user corresponding to the superior user, determine the resource duration corresponding to the subordinate user.

[0082] In implementation, when the resources issued by the superior user to the subordinate users are not issued within the specified time, the resource data processing system can return the resources to the superior user's account. The resource return trigger condition can be a timed automatic trigger. For example, the system can initiate an automatic return process on time every day. The resource data processing system can calculate the resource duration corresponding to each subordinate user. The resource duration refers to the length of time that the resources issued by the superior user to the virtual account corresponding to the resource record identifier of the subordinate user have existed to the present, which can be calculated based on the time when the corresponding number of resources are transferred to the intermediate account and the current time.

[0083] Step 302, when the fund duration meets the preset conditions and the number of resources corresponding to the subordinate users currently recorded in the resource record information is greater than the preset threshold, the resources corresponding to the number of resources of the subordinate users are transferred from the intermediate account to the account of the upper-level user, and the number of resources corresponding to the subordinate users is updated in the resource record information.

[0084] In implementation, after calculating the resource duration corresponding to each resource record identifier, the resource data processing system can screen out resource record identifiers that meet the conditions (such as greater than or equal to the preset time limit), and then determine whether the number of resources currently corresponding to the resource record identifier is greater than a preset threshold (such as the threshold is set to 0). If it is greater than the preset threshold, the resources of the resource number are transferred from the intermediate account to the account of the upper-level user, and the resource number corresponding to the lower-level user is updated in the resource record information (updated to 0, that is, the remaining resources are deducted) to realize the return of resources.

[0085] Optionally, the resource data processing system may send the resource number corresponding to the updated resource record identifier to the client of the upper-level user and / or the lower-level user to which the resource record identifier belongs, so that the upper-level user and the lower-level user can obtain the latest resource information in a timely manner.

[0086] In this embodiment, by real-time monitoring of the resource duration of each subordinate user, the resources that have not been issued by the subordinate user can be promptly returned to the account of the superior user, avoiding manual return by the subordinate user, which is more efficient and can achieve more refined resource management and control.

[0087] In one embodiment, the process of determining the resource duration in step 301 specifically includes the following steps: determining the time difference based on the resource transfer time corresponding to the subordinate user recorded in the resource record information and the current time, and determining the time difference as the resource duration corresponding to the subordinate user.

[0088] In implementation, the resource record information may also include information such as the resource transfer-in time (the time when the upper-level user sends the resource to the lower-level user and transfers it into the intermediate account) and the number of resource transfer-in, the resource transfer-out time (the time when the lower-level user sends the resource to the next lower-level user and transfers it into the account of the next lower-level user) and the number of resource transfer-out corresponding to the resource record identifier of each lower-level user, so that the upper-level user can achieve more precise resource monitoring. The resource data processing system can obtain the resource transfer-in time under each resource record identifier recorded in the resource record information, and calculate the time difference with the current time as the resource duration under the resource record identifier.

[0089] In one embodiment, Figure 4 As shown, in step 202, in response to the second resource delivery instruction, the process of delivering resources based on the intermediate account specifically includes the following steps:

[0090] Step 401, in response to a second resource issuing instruction sent by a target subordinate user through a second client, determine a second target number of issued resources, and determine whether the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is greater than or equal to the second target number.

[0091] In implementation, when a subordinate user needs to issue resources, he can send a resource issuance instruction to the resource data processing system through the corporate online banking client. The resource issuance instruction includes information such as the number of resources to be issued and the account corresponding to the resource issuance. The resource data processing system can obtain the number of resources currently corresponding to the resource record identifier of the subordinate user from the resource record information, and determine whether the current number of resources is greater than or equal to the number of resources to be issued.

[0092] Step 402: When the number of resources corresponding to the target resource record identifier currently recorded is greater than or equal to the second target number, resources are distributed based on the intermediate account.

[0093] In implementation, if the number of resources currently recorded is greater than or equal to the number of resources to be issued, the resource data processing system may execute the step of transferring a corresponding number of resources from the intermediate account to the account of the issuing object.

[0094] Step 403: When the number of resources corresponding to the target resource record identifier currently recorded is less than the second target number, a prompt message indicating insufficient resources is sent to the second client corresponding to the target subordinate user.

[0095] In implementation, if the number of currently recorded resources is less than the number of resources to be issued, that is, the number of remaining resources is insufficient, the resource data processing system may send a prompt message to the client of the subordinate user.

[0096] In this embodiment, the resource data processing system determines whether the number of resources corresponding to the recorded resource record identifier (equivalent to the number of remaining resources in the virtual account) meets the number of resources to be issued. If not, a prompt message is sent. At this time, even if the actual number of resources in the intermediate account meets the number requirement of the resources to be issued, the resource issuance process is not executed, thereby taking into account both resource supervision efficiency and supervision effectiveness.

[0097] In one embodiment, the method further comprises the following step: in response to a second preset trigger condition, sending the number of resources corresponding to the target resource record identifier currently recorded in the resource record information to a second client corresponding to the target subordinate user.

[0098] In implementation, the resource data processing system can send the resource record identifier of the subordinate user, such as the current number of resources, to the client of the subordinate user. The preset trigger condition can be a scheduled transmission, or the subordinate user sends an instruction to obtain the current number of resources through the client, or when the number of resources is updated (increased or decreased), the updated number of resources is triggered to be sent.

[0099] In one embodiment, Figure 5 As shown, another resource data processing method is also provided, which can be applied to the first client of the superior user, including the following steps:

[0100] Step 501, sending a resource issuance instruction to the resource data processing system, the resource issuance instruction includes the target number of resources to be issued and the target resource record identifier corresponding to the specified target subordinate user, the resource issuance instruction is used to instruct the resource data processing system to transfer the target number of resources from the account of the upper-level user to the intermediate account, and based on the target number, update the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user.

[0101] In implementation, the superior user may send a resource delivery instruction to the resource data processing system through the first client. After receiving the resource delivery instruction, the resource data processing system may transfer the target number of resources from the superior user's account to the intermediate account, and update the number of resources corresponding to the target resource record identifier in the resource record information. The processing process of the resource data processing system is described in detail in the above embodiment, which will not be repeated here.

[0102] Step 502: Receive resource record information sent by the resource data processing system.

[0103] In implementation, the first client can receive resource record information sent by the resource data processing system, and the resource record information can include resource information such as the number of resources corresponding to the resource record identifier of each subordinate user. Thus, the superior user can timely learn the real-time resource distribution status of each subordinate user, realize accurate resource monitoring, and improve the security of resource distribution.

[0104] In one embodiment, before step 501, the method further includes the following steps: receiving resource record identifiers corresponding to each subordinate user sent by the resource data processing system; generating a first resource issuing instruction according to the target resource record identifier corresponding to the target subordinate user and the first target number of issued resources.

[0105] In implementation, the upper user can receive the resource record identifiers corresponding to each lower user sent by the resource data processing system through the first client, so that when the upper user needs to send resources to a specified lower user, the resource record identifier of the specified lower user can be obtained to generate a resource sending instruction and send it to the resource data processing system. The processing process of the resource processing system can refer to the description of the above embodiments, which will not be repeated here.

[0106] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0107] Based on the same inventive concept, the embodiment of the present application also provides a resource data processing device for implementing the resource data processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource data processing device embodiments provided below can refer to the above limitations on the resource data processing method, and will not be repeated here.

[0108] In one embodiment, Figure 6 As shown, a resource data processing device 600 is provided, comprising: a first updating module 601, a second updating module 602 and a first sending module 603, wherein:

[0109] The first update module 601 is used to respond to the first resource issuance instruction sent by the superior user through the first client, determine the first target number of issued resources and the target resource record identifier corresponding to the specified target subordinate user, transfer the first target number of resources from the superior user's account to the intermediate account, and based on the first target number, update the resource number corresponding to the target resource record identifier in the resource record information corresponding to the superior user.

[0110] The second updating module 602 is used to respond to the second resource issuing instruction sent by the target subordinate user through the second client, issue resources based on the intermediate account, and update the number of resources corresponding to the target resource record identifier in the resource record information based on the number of issued resources.

[0111] The first sending module 603 is configured to send the current resource record information to the first client in response to a first preset trigger condition.

[0112] In one of the embodiments, the device further includes a generating module and a second sending module, wherein:

[0113] The generating module is used to generate a resource record identifier corresponding to each subordinate user corresponding to the superior user.

[0114] The second sending module is used to send the resource record identifier corresponding to each subordinate user to the first client.

[0115] In one of the embodiments, the apparatus further includes a determination module and a third update module, wherein:

[0116] The determination module is used to determine the resource duration corresponding to each subordinate user corresponding to the superior user in response to the resource return triggering condition.

[0117] The third update module is used to transfer the number of resources corresponding to the subordinate user from the intermediate account to the account of the upper-level user when the fund duration meets the preset conditions and the number of resources corresponding to the subordinate user currently recorded in the resource record information is greater than the preset threshold, and update the number of resources corresponding to the subordinate user in the resource record information.

[0118] In one embodiment, the resource record information further includes the resource transfer time. The determination module is specifically used to determine the time difference according to the resource transfer time corresponding to the subordinate user recorded in the resource record information and the current time, and determine the time difference as the resource duration time corresponding to the subordinate user.

[0119] In one of the embodiments, the second update module 602 is specifically used to: determine the second target number of resources to be issued in response to a second resource issuance instruction sent by a target subordinate user through a second client, and determine whether the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is greater than or equal to the second target number; if the number of resources corresponding to the target resource record identifier currently recorded is greater than or equal to the second target number, issue resources based on an intermediate account; if the number of resources corresponding to the target resource record identifier currently recorded is less than the second target number, send a prompt message indicating insufficient resources to the second client corresponding to the target subordinate user.

[0120] In one of the embodiments, the device further includes a third sending module, configured to send the number of resources corresponding to the target resource record identifier currently recorded in the resource record information to a second client corresponding to the target subordinate user in response to a second preset trigger condition.

[0121] In one embodiment, Figure 7 As shown, another resource data processing device 700 is also provided, including: a sending module 701 and a first receiving module 702, wherein:

[0122] The sending module 701 is used to send a resource issuance instruction to the resource data processing system. The resource issuance instruction includes the target number of resources to be issued and the target resource record identifier corresponding to the specified target subordinate user. The resource issuance instruction is used to instruct the resource data processing system to transfer the target number of resources from the account of the upper-level user to the intermediate account, and based on the target number, update the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user.

[0123] The first receiving module 702 is used to receive resource record information sent by the resource data processing system.

[0124] In one of the embodiments, the device further includes a second receiving module and a generating module, wherein:

[0125] The second receiving module is used to receive resource record identifiers corresponding to each subordinate user sent by the resource data processing system.

[0126] The generating module is used to generate a first resource issuing instruction according to a target resource record identifier corresponding to a target subordinate user and a first target number of issued resources.

[0127] Each module in the resource data processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0128] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 8 As shown. The computer device includes a processor, a memory and a network interface connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store data required or generated for executing the above-mentioned resource data processing method. The network interface of the computer device is used to communicate with an external terminal through a network connection. When the computer program is executed by the processor, a resource data processing method is implemented.

[0129] Those skilled in the art will understand that Figure 8The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0130] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above-mentioned method embodiments when executing the computer program.

[0131] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0132] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0133] The resource data processing method, apparatus, computer equipment, storage medium and computer program product provided in this application relate to the field of information security technology and can be used in the field of financial technology or other fields. This application does not limit the application field.

[0134] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0135] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0136] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0137] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A resource data processing method, characterized in that: The method comprises: In response to a first resource issuing instruction sent by an upper-level user through a first client, determining a first target number of issued resources and a target resource record identifier corresponding to a designated target lower-level user, transferring the first target number of resources from the upper-level user's account to an intermediate account, and updating the resource number corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user based on the first target number; In response to a second resource delivery instruction sent by the target subordinate user through the second client, delivering resources based on the intermediate account, and updating the number of resources corresponding to the target resource record identifier in the resource record information based on the number of delivered resources; In response to a first preset trigger condition, current resource record information is sent to the first client.

2. The method according to claim 1, characterized in that Before responding to the first resource issuing instruction sent by the superior user through the first client, the method further includes: For each subordinate user corresponding to the superior user, generating a resource record identifier corresponding to the subordinate user; The resource record identifier corresponding to each of the subordinate users is sent to the first client.

3. The method according to claim 1, characterized in that The method further comprises: In response to a resource return triggering condition, for each subordinate user corresponding to the superior user, determining a resource duration corresponding to the subordinate user; When the fund duration meets the preset conditions and the number of resources corresponding to the subordinate user currently recorded in the resource record information is greater than a preset threshold, the resources corresponding to the number of resources of the subordinate user are transferred from the intermediate account to the account of the upper user, and the number of resources corresponding to the subordinate user is updated in the resource record information.

4. The method according to claim 3, characterized in that The resource record information also includes the resource transfer time; the determining the resource duration corresponding to the subordinate user includes: The time difference is determined according to the resource transfer time corresponding to the subordinate user recorded in the resource record information and the current time, and the time difference is determined as the resource duration corresponding to the subordinate user.

5. The method according to claim 1, characterized in that: The step of responding to the second resource delivery instruction sent by the target subordinate user through the second client and delivering resources based on the intermediate account includes: In response to a second resource issuing instruction sent by the target subordinate user through the second client, determining a second target number of issued resources, and judging whether the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is greater than or equal to the second target number; When the number of resources corresponding to the target resource record identifier currently recorded is greater than or equal to the second target number, the resources are issued based on the intermediate account; In the case that the number of resources corresponding to the target resource record identifier currently recorded is less than the second target number, prompt information for indicating insufficient resources is sent to the second client corresponding to the target subordinate user.

6. The method according to claim 1, characterized in that The method further comprises: In response to a second preset trigger condition, the number of resources corresponding to the target resource record identifier currently recorded in the resource record information is sent to a second client corresponding to the target subordinate user.

7. A resource data processing method, characterized in that: The method comprises: Sending a resource delivery instruction to a resource data processing system, wherein the resource delivery instruction includes a target number of delivered resources and a target resource record identifier corresponding to a designated target subordinate user, and the resource delivery instruction is used to instruct the resource data processing system to transfer the target number of resources from the account of the superior user to the intermediate account, and based on the target number, update the number of resources corresponding to the target resource record identifier in the resource record information corresponding to the superior user; Receive resource record information sent by the resource data processing system.

8. The method according to claim 7, characterized in that Before sending the resource delivery instruction to the resource data processing system, the method further includes: receiving resource record identifiers corresponding to each subordinate user sent by the resource data processing system; A first resource issuing instruction is generated according to the target resource record identifier corresponding to the target subordinate user and the first target number of the issued resources.

9. A resource data processing device, characterized in that: The device comprises: A first updating module is configured to respond to a first resource issuing instruction sent by an upper-level user through a first client, determine a first target number of issued resources and a target resource record identifier corresponding to a designated target lower-level user, transfer the first target number of resources from the upper-level user's account to an intermediate account, and update the resource number corresponding to the target resource record identifier in the resource record information corresponding to the upper-level user based on the first target number; a second updating module, configured to respond to a second resource issuing instruction sent by the target subordinate user through the second client, issue resources based on the intermediate account, and update the number of resources corresponding to the target resource record identifier in the resource record information based on the number of issued resources; The first sending module is used to send the current resource record information to the first client in response to a first preset trigger condition.

10. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 or 7 to 8 are implemented.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 or 7 to 8 are implemented.

12. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 or 7 to 8 are implemented.

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