Resource processing method, device, equipment, system and storage medium

Abstract

The invention discloses a resource processing method, device, equipment and system and a storage medium, and relates to the technical field of mobile internet. The method is applied to a request aggregation party, and comprises the following steps: in response to a resource pre-transfer operation, generating a resource pre-transfer request; the resource pre-transfer request comprises a transfer-out account, an aggregation account and a pre-transfer amount corresponding to resources of a pre-transfer category; a resource pre-transfer request is sent to a resource exchange party, so that the resource exchange party transfers the resources of the pre-transfer category of the pre-transfer amount from the transfer-out account to the aggregation account; generating a resource transfer request corresponding to the resource pre-transfer request; the resource transfer request comprises a transfer-in account, a pre-transfer amount and a transfer category; sending a resource transfer request to a resource exchange party, so that the resource exchange party transfers the resources of the transfer type of the transfer amount to the transfer-in account from an exchange account corresponding to the aggregation account; the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

Description

Technical Field

[0001] The embodiments of the present application relate to the field of mobile Internet technology, and in particular, to a resource processing method, device, equipment, system and storage medium. Background Art

[0002] With the development of information technology, different parties can process resources through the Internet, which improves the convenience of resource processing.

[0003] As resource categories continue to increase, different participants may need to process resources across categories. In the prior art, when participants process resources across categories, each participant needs to support the use of different resource categories in the cross-category resources, which brings inconvenience to different participants. Summary of the invention

[0004] Embodiments of the present application provide a resource processing method, apparatus, device, system and storage medium to improve the convenience of cross-category resource transfer.

[0005] In a first aspect, an embodiment of the present application provides a resource processing method, which is applied to a request aggregation party, including:

[0006] In response to the resource pre-transfer operation, a resource pre-transfer request is generated; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of the pre-transfer category;

[0007] Sending the resource pre-transfer request to a resource exchanger, so that the resource exchanger transfers the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account;

[0008] Generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0009] The resource transfer request is sent to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0010] In a second aspect, the embodiment of the present application further provides a resource processing method, which is applied to a resource exchanger, comprising:

[0011] Obtaining a resource pre-transfer request generated by the request aggregator in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregated account, and a pre-transfer amount corresponding to resources of the pre-transfer category;

[0012] In response to the resource pre-transfer request, transferring the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account;

[0013] Obtaining a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0014] In response to the resource transfer request, resources of a transfer category of the transfer amount are transferred from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0015] In a third aspect, an embodiment of the present application further provides a resource processing device, configured at a request aggregation party, comprising:

[0016] A resource pre-transfer request generation module, configured to generate a resource pre-transfer request in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of a pre-transfer category;

[0017] A resource pre-transfer request sending module, used to send the resource pre-transfer request to a resource exchanger, so that the resource exchanger transfers the pre-transfer category resources of the pre-transfer amount from the transfer-out account to the aggregation account;

[0018] A resource transfer request generating module, used to generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0019] A resource transfer request sending module is used to send the resource transfer request to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0020] In a fourth aspect, the embodiment of the present application further provides a resource processing device, which is configured at a resource exchange party, including:

[0021] A resource pre-transfer request acquisition module, used to acquire a resource pre-transfer request generated by a request aggregation party in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregation account, and a pre-transfer amount corresponding to resources of a pre-transfer category;

[0022] A resource pre-transfer module, configured to transfer the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account in response to the resource pre-transfer request;

[0023] A resource transfer request acquisition module, used to acquire a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0024] A resource transfer module is used to transfer resources of a transfer category of a transfer amount from an exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request; wherein the resources of a transfer category of the transfer amount are equivalent to the resources of a pre-transfer category of the pre-transfer amount.

[0025] In a fifth aspect, an embodiment of the present application further provides an electronic device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, it implements any one of the resource processing methods provided in the embodiment of the present application.

[0026] In a sixth aspect, an embodiment of the present application further provides a resource processing system, including a request aggregator and a resource exchanger;

[0027] The request aggregation party generates a resource pre-transfer request in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes the transfer-out account, the aggregation account and the pre-transfer amount corresponding to the resources of the pre-transfer category;

[0028] The resource exchanger transfers the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account in response to the resource pre-transfer request;

[0029] The request aggregator generates a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0030] The resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0031] In a seventh aspect, an embodiment of the present application further provides a computer-readable storage medium on which a computer program is stored, and when the program is executed by a processor, any one of the resource processing methods provided in the embodiment of the present application is implemented.

[0032] In an eighth aspect, an embodiment of the present application further provides a computer program product, including a computer program, which, when executed by a processor, implements any one of the resource processing methods provided in the embodiments of the present application.

[0033] In an embodiment of the present application, an exchange account corresponding to the aggregation account of the resource exchanger is introduced, and resources of the transfer category of the transfer amount equivalent to the resources of the pre-transfer category of the pre-transfer amount are transferred to the transfer-in account, instead of the aggregation account transferring the resources of the pre-transfer category of the pre-transfer amount to the transfer-in account. As a result, there is no need for the resource transferee to set up a transfer-in account consistent with the transfer-out account, so that cross-category resource transfer can be achieved, thereby improving the convenience and universality of resource transfer. BRIEF DESCRIPTION OF THE DRAWINGS

[0034] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0035] Figure 1A is a structural diagram of a resource processing system provided in an embodiment of the present application;

[0036] Figure 1B is a flow chart of a resource processing method provided by an embodiment of the present application;

[0037] Figure 2 is a flow chart of another resource processing method provided by an embodiment of the present application;

[0038] Figure 3 is a flow chart of another resource processing method provided by an embodiment of the present application;

[0039] Figure 4 is a flow chart of another resource processing method provided by an embodiment of the present application;

[0040] Figure 5 is a structural diagram of a resource processing device provided in an embodiment of the present application;

[0041] Figure 6 is a structural diagram of another resource processing device provided in an embodiment of the present application;

[0042] Figure 7 It is a structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0043] The present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present application, rather than to limit the present application. It should also be noted that, for ease of description, only the parts related to the present application, rather than all structures, are shown in the accompanying drawings.

[0044] It should be noted that similar numbers and letters represent similar items in the following figures. Therefore, once an item is defined in one figure, it does not need to be further defined and explained in subsequent figures. At the same time, in the description of this application, the terms "first", "second", etc. are only used to distinguish the description and cannot be understood as indicating or implying relative importance. The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0045] In order to clearly introduce the technical solution of the present application, the resource processing system involved in the present application is first briefly described.

[0046] See also Figure 1A The resource processing system shown includes: a request aggregator 10 and a resource exchanger 20; the request aggregator 10 is in communication with the resource exchanger 20.

[0047] The request aggregator 10 generates a resource pre-transfer request in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes the transfer-out account, the aggregation account and the pre-transfer amount corresponding to the resources of the pre-transfer category;

[0048] The resource exchanger 20 transfers the pre-transfer amount of the pre-transfer category of resources from the transfer-out account to the aggregation account in response to the resource pre-transfer request;

[0049] The request aggregator 10 generates a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, a pre-transfer amount and a transfer category;

[0050] In response to the resource transfer request, the resource exchanger 20 transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0051] The requesting aggregator 10 may be understood as a party that provides a resource transfer platform to both parties of the resource transfer, such as a third-party payment platform. The two parties of the resource transfer may include a resource transferor and a resource transferee. The resource exchanger 20 may be understood as a party that provides different types of resource exchange services to the requesting aggregator 10.

[0052] In the following, Figure 1A Based on the resource processing system shown, the resource processing processes are described in detail.

[0053] See also Figure 1B A resource processing method shown is applied to Figure 1A The request aggregator 10 in the embodiment includes:

[0054] S101. In response to a resource pre-transfer operation, generate a resource pre-transfer request; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of a pre-transfer category.

[0055] Among them, the resource pre-transfer operation can be understood as an operation of transferring resources from the resource transferor to the resource transferee. Among them, the resource pre-transfer operation can be triggered in different ways, and this application does not impose any restrictions on the specific triggering method of the resource transfer operation. In a specific implementation method, the resource pre-transfer operation can be a consumer payment operation such as a scan code payment or a card payment operation; accordingly, the resource pre-transfer request can be a consumer payment request.

[0056] The resource pre-transfer request is used to represent the first stage of resource transfer that needs to be performed during the resource transfer process from the resource transferor to the resource transferee: resource transfer from the resource transferor to the request aggregator.

[0057] Among them, the transfer-out account can be understood as the account used by the resource transferor for this resource pre-transfer operation; the aggregation account can be understood as an account dedicated to receiving resources of the pre-transfer category corresponding to the transfer-out account. Among them, the pre-transfer category corresponds to the resource category supported by the transfer-out account; the pre-transfer amount is used to limit the amount of pre-transfer category resources that actually need to be transferred from the transfer-out account in this resource pre-transfer operation. In a specific implementation method, the transfer-out account can be an account that supports the digital currency corresponding to the universal currency (such as the digital RMB corresponding to the RMB); the aggregation account can be an account that supports the digital currency corresponding to the universal currency (such as the digital RMB corresponding to the RMB); the resources of the pre-transfer category can be the digital currency corresponding to the universal currency (such as the digital RMB corresponding to the RMB).

[0058] Specifically, the request aggregation party generates a resource pre-transfer request in response to a resource pre-transfer operation of the resource transferor to the resource transferee.

[0059] S102: Send a resource pre-transfer request to a resource exchanger, so that the resource exchanger transfers resources of a pre-transfer category of a pre-transfer amount from a transfer-out account to an aggregation account.

[0060] The requesting aggregator sends a resource pre-transfer request to the resource exchanger; the resource exchanger transfers the pre-transfer amount of pre-transfer category resources from the transfer-out account to the aggregation account. Since both the aggregation account and the transfer-out account support the use of pre-transfer category resources, there is no need to exchange resources during the resource pre-transfer request processing. In a specific implementation, the resource exchanger can be an operating organization that provides resource-related services to the requesting aggregator, such as a bank that provides money settlement services to a third-party payment platform.

[0061] S103: Generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, a pre-transfer amount, and a transfer category.

[0062] The resource transfer request is used to represent the second stage of resource transfer that needs to be performed during the resource transfer process from the resource transferor to the resource transferee: requesting an equivalent resource transfer from the resource transferor to the resource transferee in the aggregation direction.

[0063] The transfer-in account may be an account of the same or different resource type as the transfer-out account, and this application does not impose any restrictions on this. The transfer category is the resource category supported by the transfer-in account. The transfer category may be the same or different from the aforementioned pre-transfer category, and the two are usually different during the cross-category resource transfer process.

[0064] In an optional embodiment, during a delayed resource transfer process (such as non-instant service delivery and a certain delivery cycle), a resource transfer instruction can be sent to a requesting aggregator in response to a resource transfer operation by a resource transferor; the requesting aggregator generates a resource transfer request corresponding to the resource pre-transfer request in response to the resource transfer instruction.

[0065] In another optional embodiment, in the process of resource transfer without delay (such as instant delivery of service, without a certain delivery cycle), the request aggregator can send a resource pre-transfer request to the resource exchanger, and after receiving the feedback information of successful pre-transfer from the resource exchanger, the request aggregator automatically generates a resource transfer request corresponding to the resource pre-transfer request. In a specific implementation, the resource transfer request can be a settlement request corresponding to the consumption payment request.

[0066] S104. Send a resource transfer request to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0067] The exchange account is an account held by the requesting aggregator that supports the use of transfer category resources. The transfer amount is used to limit the amount of transfer category resources that actually need to be transferred from the exchanger's account in this resource transfer operation. The resource amount can be determined by the exchange rate between the transfer category resources and the pre-transfer category resources, as well as the pre-transfer amount. In a specific implementation, the universal currency corresponds to the digital currency, and the exchange rate between the universal currency and the digital currency can be 1:1; correspondingly, the resource equivalence can be equal in amount.

[0068] Optionally, the transfer amount can be determined by the resource exchanger. Of course, in order to improve the accuracy of the exchange results, the transfer amount can also be determined by a resource regulator with a certain degree of credibility. In a specific implementation, the transfer category resources can be those that support common currencies (such as RMB); the transfer account can be an account that supports common currencies (such as RMB); the exchange account corresponding to the aggregation account can be an Accounting Data Centralized System (ACS) account established by the operating organization at the resource regulator.

[0069] Exemplarily, the requesting aggregator sends a resource transfer request to the resource exchanger; after receiving the resource transfer request, the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account of the requesting aggregator to the transfer-in account, thereby realizing the exchange of resources and the transfer of resources to the resource transfer-in party. Since the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount, the value equivalence of the resource transfer operation and the resource pre-transfer operation is guaranteed, thereby achieving the transfer of resources of the pre-transfer category from the transfer-out account to the aggregation account, and the transfer of resources of the transfer category from the exchange account to the transfer-in account, which is equivalent to replacing the transfer of cross-category resources directly from the transfer-out account to the transfer-in account.

[0070] It is worth noting that during the exchange process of pre-transfer category resources and transfer category resources, additional exchange fees can be paid according to actual needs, and this application does not impose any restrictions on this.

[0071] In the application scenario where a customer pays a merchant, the transfer-out account can be the customer's personal digital currency account (such as a digital RMB account); the transfer-in account can be the merchant's universal currency account (such as a RMB account); and the resource exchanger can be the operating organization that opens the transfer-out account or the transfer-in account. It should be noted that the resource exchangers corresponding to the transfer-out account or the transfer-in account can be the same or different. When different resource exchangers are involved, the transfer of resources of the same category across resource exchangers can be realized first, and then the exchange of resources across categories within the same resource exchanger can be carried out; alternatively, the exchange of resources across categories within the same resource exchanger can be realized first, and then the transfer of resources of the same category across resource exchangers can be realized.

[0072] The embodiment of the present application splits the resource transfer process into a first-stage resource transfer of resources of a pre-transfer category from a transfer-out account to an aggregate account, and a second-stage resource transfer of resources of an equivalent transfer category from an exchange account corresponding to an aggregate account to a transfer-in account. This allows cross-category resource transfer to be achieved without ensuring that both the resource transferor and the resource transferee have accounts that support resources of the corresponding category, thereby improving the convenience and universality of cross-category resource transfer.

[0073] On the basis of the above technical solutions, the present application also provides an optional embodiment, in which the generation process of the resource transfer request is optimized and improved. It should be noted that for the parts not described in detail in the embodiments of the present application, please refer to the relevant descriptions of other embodiments.

[0074] See also Figure 2 A resource processing method shown includes:

[0075] S201. In response to a resource pre-transfer operation, generate a resource pre-transfer request; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of a pre-transfer category.

[0076] S202: Send a resource pre-transfer request to the resource exchanger, so that the resource exchanger transfers the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account.

[0077] S203: Determine a transfer-in account and a transfer category according to an account attribute of an available account of the resource transferee corresponding to the resource pre-transfer request and / or a transfer-out category of the transfer-out account.

[0078] The account attribute is used to characterize the number of available accounts of the resource transferee. Exemplarily, the account attribute may include a single account attribute and a multi-account attribute. The single account attribute is used to characterize that the resource transferee has only a single available account for resource processing; the multi-account attribute is used to characterize that the resource transferee has at least two available accounts for resource processing.

[0079] The transfer category of the transfer-out account is used to characterize the resource category supported by the transfer-out account; the transfer category is used to characterize the resource category supported by the transfer-in account.

[0080] In an optional embodiment, if the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a single account attribute, the preset default account is used as the transfer-in account; and the resource category supported by the transfer-in account is used as the transfer category. In the resource pre-transfer request, the preset default account is the only available account of the resource transferee.

[0081] Exemplarily, if the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a single account attribute, it indicates that the resource transferee has only a single available account. Therefore, the only available preset default account is directly used as the transfer-in account for subsequent resource transfers; accordingly, the resource category supported by the transfer-in account is directly used as the transfer category to limit the resource category used for subsequent resource transfers.

[0082] In another optional embodiment, if the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a multi-account attribute, then the transfer-in account is selected from the available accounts of the resource transferee according to the transfer-out category; and the resource category supported by the transfer-in account is used as the transfer category.

[0083] Exemplarily, if the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a multi-account attribute, it indicates that there are at least two available accounts in the resource transferee. At this time, the transfer-in account used for this resource transfer can be selected from at least two available accounts according to the transfer-out category for use in subsequent resource transfers; accordingly, the resource category supported by the transfer-in account is directly used as the transfer category, which is used to limit the resource category used for subsequent resource transfers.

[0084] It can be understood that by introducing different account attributes for selecting transfer accounts, the richness and universality of transfer account selection are improved, laying the foundation for improving the convenience and diversity of the resource processing process.

[0085] Exemplarily, selecting a transfer-in account from available accounts of the resource transferor may be: randomly selecting one of the at least two available accounts of the resource transferor as the transfer-in account; or, selecting an available account with a higher frequency of historical use from at least two available accounts of the resource transferor as the transfer-in account; or, selecting an available account with a higher frequency of use for resource transfer with the resource transferor from at least two available accounts of the resource transferor; or, selecting an available account with a higher frequency of use by a homogeneous resource participant with the same or similar attributes as the resource transferor from at least two available accounts of the resource transferor.

[0086] In a specific implementation, in order to ensure the convenience of the selected transfer-in account and the current resource processing process, a transfer-out category may be introduced to select the transfer-in account from the available accounts of the resource transferee.

[0087] For example, if there is an available account that supports the transfer category among the available accounts of the resource transferee, the available account is directly used as the transfer-in account. The advantage of this is that potential cross-category resource transfers can be directly converted into resource transfers of the same category, thereby improving the convenience of resource transfers.

[0088] For example, if there is no available account that supports the use of the transfer category in the available accounts of the resource transferee, the transfer-in account can be selected from the available accounts of the resource transferee according to the historical usage of different available accounts. The advantage of this is that the selected transfer-in account is more consistent with the historical usage of the resource transferee, avoiding the selection of inactive accounts and the inconvenience caused to the resource transferee.

[0089] Among them, the historical usage is used to characterize the usage frequency of each available account of the resource transferor in the dimension of overall resource participants; or it can also be used to characterize the usage frequency of each available account of the resource transferor in the dimension of homogeneous resource participants with the same or similar attributes as the resource transferor.

[0090] It should be noted that usually a single account supports only one resource category. When a single account supports at least two resource categories, in the process of determining the transfer category, one of the supported resource categories can be randomly selected as the transfer category; or a resource category with a high historical usage frequency can be selected as the transfer category; or a resource category with a high historical usage frequency with the resource transferor can be selected as the transfer category; or the main resource category supported by the transfer-in account can be used as the transfer category. Among them, the main resource category is set by the resource transferee according to actual needs.

[0091] S204: Generate a resource transfer request including a transfer-in account, a transfer category, and a pre-transfer amount; wherein the resource transfer request includes a transfer-in account, a pre-transfer amount, and a transfer category.

[0092] S205. Send a resource transfer request to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0093] The embodiment of the present application introduces the account attributes of the available account of the resource transferee and / or the transfer category of the transfer-out account to determine the transfer-in account and the transfer category, thereby laying a foundation for the automatic selection of the transfer-in account and the transfer category, thereby providing data support for the generation of resource transfer requests, and providing guarantee for the transfer of resources from the exchange account in the second stage to the transfer-in account in the resource processing process.

[0094] Above, the resource processing process is described in detail with the request aggregation party as the execution subject. Below, the resource processing process will be described in detail with the resource exchange party as the execution subject. It should be noted that for the parts not described in detail in the application embodiment, please refer to the relevant descriptions of other embodiments, and will not be repeated here.

[0095] See also Figure 3 A resource processing method shown is applied to Figure 1A The resource exchanger 20 shown includes:

[0096] S301. Obtain a resource pre-transfer request generated by a request aggregator in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregated account, and a pre-transfer amount corresponding to resources of a pre-transfer category.

[0097] The resource pre-transfer operation can be understood as an operation of transferring resources from the resource transferor to the resource transferee. The resource pre-transfer operation can be triggered in different ways, and this application does not limit the specific triggering method of the resource transfer operation. In a specific implementation, the resource pre-transfer operation can be a scan code payment or a card payment operation.

[0098] The resource pre-transfer request is used to represent the first stage of resource transfer that needs to be performed during the resource transfer process from the resource transferor to the resource transferee: resource transfer from the resource transferor to the request aggregator.

[0099] The transfer-out account can be understood as the account used by the resource transferor for this resource pre-transfer operation; the aggregation account can be understood as an account dedicated to receiving resources of the pre-transfer category corresponding to the transfer-out account. The pre-transfer category corresponds to the resource category supported by the transfer-out account; the pre-transfer amount is used to limit the amount of pre-transfer category resources that actually need to be transferred from the transfer-out account in this resource pre-transfer operation.

[0100] Specifically, the request aggregator generates a resource pre-transfer request in response to the resource pre-transfer operation of the resource transferor to the resource transferee, and sends the resource pre-transfer request to the resource exchanger; the resource exchanger obtains and responds to the resource pre-transfer request.

[0101] S302: In response to the resource pre-transfer request, transfer the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account.

[0102] In response to the resource pre-transfer request, the resource exchanger transfers the pre-transfer amount of pre-transfer resources from the transfer-out account to the aggregation account. Since both the aggregation account and the transfer-out account support the use of pre-transfer resources, there is no need to perform resource exchange during the resource pre-transfer request processing.

[0103] S303: Obtain a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, a pre-transfer amount, and a transfer category.

[0104] The resource transfer request is used to represent the second stage of resource transfer that needs to be performed during the resource transfer process from the resource transferor to the resource transferee: requesting an equivalent resource transfer from the resource transferor to the resource transferee in the aggregation direction.

[0105] The transfer-in account may be an account of the same or different resource type as the transfer-out account, and this application does not impose any restrictions on this. The transfer category is the resource category supported by the transfer-in account. The transfer category may be the same or different from the aforementioned pre-transfer category, and the two are usually different during the cross-category resource transfer process.

[0106] Specifically, the request aggregator generates a resource transfer request corresponding to the resource pre-transfer request, and sends the resource transfer request to the resource exchanger; the resource exchanger obtains and responds to the resource transfer request.

[0107] S304. In response to the resource transfer request, resources of the transfer category of the transfer amount are transferred from the exchange account corresponding to the aggregate account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0108] The exchange account is an account held by the requesting aggregator that supports the use of transfer category resources. The transfer amount is used to limit the amount of transfer category resources that actually need to be transferred from the exchanger's account in this resource transfer operation.

[0109] Exemplarily, in response to a resource transfer request, the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account of the requesting aggregator to the transfer-in account, thereby realizing the exchange of resources and the transfer of resources to the resource transfer-in party. Since the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount, the value equivalence of the resource transfer operation and the resource pre-transfer operation is guaranteed, thereby achieving the transfer of resources of the pre-transfer category from the transfer-out account to the aggregation account, and the transfer of resources of the transfer category from the exchange account to the transfer-in account, which is equivalent to replacing the transfer of cross-category resources directly from the transfer-out account to the transfer-in account.

[0110] In an optional embodiment, if the exchange account corresponding to the aggregate account has sufficient transfer category resources available for use, that is, if the transfer category resources that can cover the transfer amount are pre-exchanged, then the transfer category resources of the transfer amount can be directly transferred from the exchange account corresponding to the aggregate account to the transfer-in account.

[0111] However, the available resources of the transfer category in the redemption account may not cover the transfer amount. Therefore, in another optional embodiment, in the second phase of the resource transfer process, resources of the transfer category of at least the transfer amount can be redeemed in advance, thereby ensuring that there are resources of the transfer category covering the transfer amount in the redemption account for use in this resource transfer process.

[0112] In order to ensure the controllability of the resource exchange process, illustratively, equivalent resource exchange can be performed separately for each resource transfer request, that is: in response to the resource transfer request, the resources of the pre-transfer category of the pre-transfer amount in the aggregate account are exchanged for the resources of the transfer category of the transfer amount in the exchange account; and the resources of the transfer category of the transfer amount are transferred from the exchange account to the transfer-in account.

[0113] It can be understood that in the resource transfer stage, the resources of the pre-transfer category of the pre-transfer amount are first exchanged for the resources of the transfer category of the transfer amount at an equivalent value, and then the resources of the transfer category of the transfer amount are transferred, thereby ensuring that the exchange account can support the use of resources of the transfer category of the transfer amount, ensuring the smooth transfer of resources of the transfer category of the transfer amount from the exchange account to the transfer-in account, that is, ensuring the effectiveness of the second-stage resource transfer process, avoiding the situation where a single transfer failure requires multiple transfers to remedy the situation, and indirectly improving the efficiency of resource transfer.

[0114] Illustratively, during the resource exchange process, the resource exchange rate between the resources of the transfer category and the resources of the pre-transfer category may be determined, and the transfer amount of the transfer category resources may be determined based on the resource exchange rate and the pre-transfer amount.

[0115] Optionally, the transfer amount can be determined by the resource exchanger. Of course, in order to improve the accuracy of the exchange result, the transfer amount can also be determined by a resource supervisor with a certain degree of credibility.

[0116] In an optional embodiment, a resource exchange request including an aggregate account, a pre-transfer amount, a pre-transfer category and a transfer category can be generated based on a resource transfer request; and the resource exchange request is sent to a resource supervisor so that the resource supervisor exchanges the resources of the pre-transfer category of the pre-transfer amount in the aggregate account for the resources of the transfer category of the corresponding transfer amount in the exchange account.

[0117] It is understandable that the intervention of resource regulators can ensure the accuracy and reliability of the resource exchange process, laying the foundation for the reliable execution of the resource processing process.

[0118] In order to ensure the controllability and authenticity of the resource exchange process, optionally, after transferring the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregate account in response to the resource pre-transfer request, the pre-transfer amount can also be marked in the aggregate account; accordingly, in response to the resource transfer request, transferring the transfer amount of resources of the transfer category from the transfer-in account from the exchange account corresponding to the aggregate account can include: in response to the resource transfer request, searching for the pre-transfer amount corresponding to the resource transfer request in the amount marked in the aggregate account; if the match is successful, transferring the transfer amount of resources of the transfer category from the transfer-in account from the exchange account corresponding to the aggregate account, and deleting the pre-transfer amount marked in the aggregate account.

[0119] Among them, marking the pre-transfer amount in the aggregate account can be implemented by using at least one marking method in the prior art, and this application does not impose any limitation on the specific marking method adopted.

[0120] It can be understood that by marking the pre-transfer amount corresponding to the resource pre-transfer request, and then searching and matching the mark before subsequently exchanging the resources of the pre-transfer category of the pre-transfer amount for the resources of the transfer category of the transfer amount, the resource exchange operation is initiated only when the match is successful, thereby achieving a single resource pre-transfer request corresponding to the resource, and only being able to perform a single cross-category resource exchange, thereby avoiding repeated or missed resource exchanges, and the inconvenience brought to the resource processing process, and at the same time facilitating the effective management of the resource processing process and the resource exchange process.

[0121] The embodiment of the present application splits the resource transfer process into a first-stage resource transfer of pre-transfer category resources from a transfer-out account to an aggregate account, and a second-stage resource transfer of equivalent transfer category resources from an exchange account corresponding to an aggregate account to a transfer-in account. This allows cross-category resource transfer to be achieved without ensuring that both the resource transferor and the resource transferee have accounts that support resources of the corresponding categories, thereby improving the convenience and universality of cross-category resource transfer.

[0122] Based on the above technical solutions, the present application also provides a preferred embodiment. In this optional embodiment, the resource processing process will be described in detail from the perspective of the interaction of multiple participants such as the request aggregator, resource exchanger and resource regulator.

[0123] See also Figure 4 The resource processing method shown includes:

[0124] S401. The resource transferor applies to the resource exchanger for a transfer-out account that supports the use of resources of the first category; the resource transferee applies to the resource exchanger for a transfer-in account that supports the use of resources of the second category; the aggregator is requested to apply to the resource exchanger for an aggregation account that supports the use of resources of the first category; the aggregator is requested to apply to the resource supervisor for an exchange account that supports the use of resources of the second category.

[0125] S402: Request the aggregator to generate a resource pre-transfer request including a transfer-out account, an aggregated account and a first amount of resources of the first category in response to a pre-transfer operation of a resource transferor transferring a first amount of resources of the first category from a transfer-out account to a transfer-in account.

[0126] S403: The request aggregator sends a resource pre-transfer request to the resource exchanger.

[0127] S404: The resource exchanger transfers the first amount of resources of the first category from the transfer-out account to the aggregate account, and marks the first amount under the aggregate account.

[0128] S405. The request aggregator generates a resource transfer request including a first amount, a first category, a second category, and a transfer-out account.

[0129] The resource transfer request may be triggered by a resource transfer operation of the resource transferor, or may be automatically triggered after the resource exchanger completes the resource transfer from the transfer-out account to the aggregation account.

[0130] S406. Request the aggregator to search for a matching first amount in the amounts marked in the aggregated account.

[0131] S407: When the match is successful, the request aggregator sends a resource transfer request to the resource supervisor.

[0132] S408. The resource supervisor determines, based on the exchange rate between the first category and the second category resources, a second amount of the second category resources that is equivalent to the first amount of the first category resources.

[0133] S409. The resource supervisor exchanges the first amount of resources of the first category under the aggregate account for the second amount of resources of the second category under the exchange account.

[0134] S410. The resource supervisor transfers the second amount of the second category of resources from the exchange account to the transfer-in account.

[0135] S411. The resource supervisor sends a transfer success instruction to the requesting aggregation party.

[0136] S412: Request the aggregator to delete the first amount marked in the aggregated account.

[0137] As an implementation of the above-mentioned resource processing methods, the present application also provides an optional embodiment of an execution device for implementing the above-mentioned resource processing methods.

[0138] See also Figure 5 The resource processing device 500 shown is configured in Figure 1A The request aggregation party 10 in the embodiment includes: a resource pre-transfer request generation module 501, a resource pre-transfer request sending module 502, a resource transfer request generation module 503 and a resource transfer request sending module 504.

[0139] The resource pre-transfer request generating module 501 is used to generate a resource pre-transfer request in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account and a pre-transfer amount corresponding to resources of a pre-transfer category;

[0140] The resource pre-transfer request sending module 502 is used to send the resource pre-transfer request to the resource exchanger, so that the resource exchanger transfers the pre-transfer category resources of the pre-transfer amount from the transfer-out account to the aggregation account;

[0141] The resource transfer request generating module 503 is used to generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category;

[0142] The resource transfer request sending module 504 is used to send the resource transfer request to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0143] The embodiment of the present application splits the resource transfer process into a first-stage resource transfer of resources of a pre-transfer category from a transfer-out account to an aggregate account, and a second-stage resource transfer of resources of an equivalent transfer category from an exchange account corresponding to an aggregate account to a transfer-in account. This allows cross-category resource transfer to be achieved without ensuring that both the resource transferor and the resource transferee have accounts that support resources of the corresponding category, thereby improving the convenience and universality of cross-category resource transfer.

[0144] In an optional embodiment, the resource transfer request generating module 503 includes:

[0145] A transfer-in account and transfer category determination unit, configured to determine the transfer-in account and the transfer category according to the account attributes of the available account of the resource transfer-in party corresponding to the resource pre-transfer request and / or the transfer-out category of the transfer-out account;

[0146] The resource transfer request generating unit is used to generate a resource transfer request including the transfer-in account, the transfer category and the pre-transfer amount.

[0147] In an optional embodiment, the transfer-in account and transfer category determination unit includes:

[0148] A first transfer-in account determination subunit is configured to use a preset default account as the transfer-in account if the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a single account attribute;

[0149] The first transfer category determination subunit is configured to use a resource category supported by the transfer-in account as the transfer category.

[0150] In an optional embodiment, the transfer-in account and transfer category determination unit includes:

[0151] a second transfer-in account determination subunit, configured to select the transfer-in account from the available accounts of the resource transfer-in party according to the transfer-out category if the account attribute of the available account of the resource transfer-in party corresponding to the resource pre-transfer request is a multi-account attribute;

[0152] The second transfer category determination subunit is configured to use a resource category supported by the transfer-in account as the transfer category.

[0153] In an optional embodiment, the second transfer-in account determination subunit is specifically configured to:

[0154] If there is an available account that supports the use of the transfer category among the available accounts of the resource transferee, the available account is used as the transfer-in account.

[0155] In an optional embodiment, the second transfer-to-account determination subunit is specifically configured to:

[0156] If there is no available account supporting the use of the transfer category among the available accounts of the resource transferee, the transfer-in account is selected from the available accounts of the resource transferee according to historical usage of different available accounts.

[0157] The above-mentioned resource processing device can execute the resource processing method provided by any embodiment of the present application, and has the corresponding functional modules and beneficial effects for executing each resource processing method.

[0158] As an implementation of the above-mentioned resource processing methods, the present application also provides another optional embodiment of an execution device for implementing the above-mentioned resource processing methods.

[0159] See also Figure 6 The resource processing device 600 shown is configured in Figure 1AThe resource exchanger 20 in the embodiment includes: a resource pre-transfer request acquisition module 601, a resource pre-transfer module 602, a resource transfer request acquisition module 603 and a resource transfer module 604.

[0160] The resource pre-transfer request acquisition module 601 is used to acquire the resource pre-transfer request generated by the request aggregation party in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes the transfer-out account, the aggregation account and the pre-transfer amount corresponding to the resources of the pre-transfer category;

[0161] A resource pre-transfer module 602, configured to transfer the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account in response to the resource pre-transfer request;

[0162] The resource transfer request acquisition module 603 is used to acquire the resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes the transfer-to account, the pre-transfer amount and the transfer category;

[0163] The resource transfer module 604 is used to transfer the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

[0164] The embodiment of the present application splits the resource transfer process into a first-stage resource transfer of resources of a pre-transfer category from a transfer-out account to an aggregate account, and a second-stage resource transfer of resources of an equivalent transfer category from an exchange account corresponding to an aggregate account to a transfer-in account. This allows cross-category resource transfer to be achieved without ensuring that both the resource transferor and the resource transferee have accounts that support resources of the corresponding category, thereby improving the convenience and universality of cross-category resource transfer.

[0165] In an optional embodiment, the resource transfer module 604 includes:

[0166] a resource exchange unit, configured to exchange, in response to the resource transfer request, resources of the pre-transfer category of the pre-transfer amount in the aggregation account for resources of the transfer category of the transfer amount in the exchange account;

[0167] The resource transfer unit is used to transfer the resources of the transfer category of the transfer amount from the exchange account to the transfer-in account.

[0168] In an optional embodiment, the resource exchange unit includes:

[0169] a resource exchange request generating subunit, configured to generate a resource exchange request including the aggregate account, the pre-transfer amount, the pre-transfer category and the transfer category according to the resource transfer request;

[0170] The resource exchange subunit is used to send the resource exchange request to the resource supervisor, so that the resource supervisor exchanges the resources of the pre-transfer category of the pre-transfer amount in the aggregation account for the resources of the transfer category of the corresponding transfer amount in the exchange account.

[0171] In an optional embodiment, the device further comprises:

[0172] a pre-transfer amount marking module, configured to mark the pre-transfer amount in the aggregate account after transferring the resources of the pre-transfer category of the pre-transfer amount from the transfer-out account to the aggregate account in response to the resource pre-transfer request;

[0173] Accordingly, the resource transfer module 604 includes:

[0174] a searching and matching unit, configured to search, in response to the resource transfer request, for a pre-transferred amount corresponding to the resource transfer request in the amount marked in the aggregated account;

[0175] The marking deletion unit is used to transfer the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregate account to the transfer-in account if the match is successful, and delete the pre-transfer amount marked in the aggregate account.

[0176] The above-mentioned resource processing device can execute the resource processing method provided by any embodiment of the present application, and has the corresponding functional modules and beneficial effects for executing each resource processing method.

[0177] On the basis of the above-mentioned technical solutions, the present application also provides an optional embodiment of an electronic device for implementing at least one of the above-mentioned resource processing methods.

[0178] Figure 7 It is a structural diagram of an electronic device provided by this application. Figure 7 A block diagram of an exemplary electronic device 712 suitable for implementing embodiments of the present application is shown. Figure 7 The electronic device 712 shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0179] like Figure 7As shown, the electronic device 712 is in the form of a general purpose computing device. The components of the electronic device 712 may include, but are not limited to: one or more processors or processing units 716, a system memory 728, and a bus 718 connecting different system components (including the system memory 728 and the processing unit 716).

[0180] Bus 718 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor or a local bus using any of a variety of bus architectures. For example, these architectures include but are not limited to Industry Standard Architecture (ISA) bus, Micro Channel Architecture (MAC) bus, Enhanced ISA bus, Video Electronics Standards Association (VESA) local bus and Peripheral Component Interconnect (PCI) bus.

[0181] The electronic device 712 typically includes a variety of computer system readable media. These media can be any available media that can be accessed by the electronic device 712, including volatile and non-volatile media, removable and non-removable media.

[0182] The system memory 728 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) 730 and / or cache memory 732. The electronic device 712 may further include other removable / non-removable, volatile / non-volatile computer system storage media. By way of example only, the storage system 734 may be used to read and write non-removable, non-volatile magnetic media ( Figure 7 not shown, usually called a "hard drive"). Although Figure 7 Not shown, a disk drive for reading and writing to a removable non-volatile disk (e.g., a "floppy disk"), and an optical drive for reading and writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical medium) may be provided. In these cases, each drive may be connected to bus 718 via one or more data medium interfaces. Memory 728 may include at least one program product having a set (e.g., at least one) of program modules that are configured to perform the functions of the various embodiments of the present application.

[0183] A program / utility 740 having a set (at least one) of program modules 742 may be stored, for example, in the memory 728, such program modules 742 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each of which or some combination may include an implementation of a network environment. The program modules 742 generally perform the functions and / or methods of the embodiments described herein.

[0184] The electronic device 712 may also communicate with one or more external devices 714 (e.g., keyboards, pointing devices, displays 724, etc.), may also communicate with one or more devices that enable a user to interact with the electronic device 712, and / or may communicate with any device that enables the electronic device 712 to communicate with one or more other computing devices (e.g., network cards, modems, etc.). Such communication may be performed via an input / output (I / O) interface 722. In addition, the electronic device 712 may also communicate with one or more networks (e.g., local area networks (LANs), wide area networks (WANs), and / or public networks, such as the Internet) via a network adapter 720. As shown, the network adapter 720 communicates with other modules of the electronic device 712 via a bus 718. It should be understood that, although not shown in the figure, other hardware and / or software modules may be used in conjunction with the electronic device 712, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, etc.

[0185] The processing unit 716 executes various functional applications and data processing by running at least one of the other programs among the multiple programs stored in the system memory 728, such as implementing any resource processing method provided in the embodiments of the present application.

[0186] On the basis of the above-mentioned technical solutions, an embodiment of the present application further provides a computer program product, including a computer program, which, when executed by a processor, implements a resource processing method as provided in any embodiment of the present application.

[0187] In the process of implementation, the computer program product can be written in one or more programming languages ​​or a combination thereof to perform the computer program code of the present application, and the programming language includes an object-oriented programming language, such as Java, Smalltalk, C++, and also includes a conventional procedural programming language, such as "C" language or similar programming language. The program code can be executed entirely on the user's computer, partially on the user's computer, as an independent software package, partially on the user's computer and partially on the remote computer, or completely on the remote computer or server. In the case of a remote computer, the remote computer can be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computer (for example, using an Internet service provider to connect through the Internet).

[0188] Note that the above are only preferred embodiments of the present application and the technical principles used. Those skilled in the art will understand that the present application is not limited to the specific embodiments herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present application. Therefore, although the present application is described in more detail through the above embodiments, the present application is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present application, and the scope of the present application is determined by the scope of the appended claims.

Claims

1. A resource processing method, characterized in that: Applicable to request aggregators, including: In response to the resource pre-transfer operation, a resource pre-transfer request is generated; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of the pre-transfer category; Sending the resource pre-transfer request to a resource exchanger, so that the resource exchanger transfers the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account; Generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category; The resource transfer request is sent to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

2. The method according to claim 1, characterized in that The generating a resource transfer request corresponding to the resource pre-transfer request includes: Determine the transfer-in account and the transfer category according to the account attributes of the available account of the resource transfer-in party corresponding to the resource pre-transfer request and / or the transfer-out category of the transfer-out account; A resource transfer request including the transfer-to account, the transfer category, and the pre-transfer amount is generated.

3. The method according to claim 2, characterized in that The determining the transfer-in account and the transfer category according to the account attribute of the available account of the resource transfer-in party corresponding to the resource pre-transfer request and / or the transfer-out category of the transfer-out account includes: If the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a single account attribute, a preset default account is used as the transfer-in account; The resource category supported by the transfer-in account is used as the transfer category.

4. The method according to claim 2, characterized in that: The determining the transfer-in account and the transfer category according to the account attribute of the available account of the resource transfer-in party corresponding to the resource pre-transfer request and / or the transfer-out category of the transfer-out account includes: If the account attribute of the available account of the resource transferee corresponding to the resource pre-transfer request is a multi-account attribute, selecting the transfer-in account from the available accounts of the resource transferee according to the transfer-out category; The resource category supported by the transfer-in account is used as the transfer category.

5. The method according to claim 4, characterized in that The selecting the transfer-in account from the available accounts of the resource transfer-in party according to the transfer-out category includes: If there is an available account that supports the use of the transfer category among the available accounts of the resource transferee, the available account is used as the transfer-in account.

6. The method according to claim 4, characterized in that The selecting the transfer-in account from the available accounts of the resource transfer-in party according to the transfer-out category includes: If there is no available account supporting the use of the transfer category among the available accounts of the resource transferee, the transfer-in account is selected from the available accounts of the resource transferee according to historical usage of different available accounts.

7. A resource processing method, characterized in that: Applicable to resource exchange parties, including: Obtaining a resource pre-transfer request generated by the request aggregator in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregated account, and a pre-transfer amount corresponding to resources of the pre-transfer category; In response to the resource pre-transfer request, transferring the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account; Obtaining a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category; In response to the resource transfer request, resources of a transfer category of the transfer amount are transferred from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

8. The method according to claim 7, characterized in that The step of transferring the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request includes: In response to the resource transfer request, exchanging the resources of the pre-transfer category of the pre-transfer amount in the aggregate account for the resources of the transfer category of the transfer amount in the exchange account; A resource of a transfer category of the transfer amount is transferred from the exchange account to the transfer-in account.

9. The method according to claim 8, characterized in that The exchanging the resources of the pre-transfer category of the pre-transfer amount in the aggregate account for the resources of the transfer category of the transfer amount in the exchange account includes: generating, according to the resource transfer request, a resource exchange request including the aggregate account, the pre-transfer amount, the pre-transfer category, and the transfer category; The resource exchange request is sent to a resource supervisor, so that the resource supervisor exchanges the resources of the pre-transfer category of the pre-transfer amount in the aggregation account for the resources of the transfer category of the corresponding transfer amount in the exchange account.

10. The method according to any one of claims 7 to 9, characterized in that: After transferring the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregate account in response to the resource pre-transfer request, the method further includes: marking the pre-transferred amount in the aggregate account; Accordingly, in response to the resource transfer request, transferring the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account includes: In response to the resource transfer request, searching the amount marked in the aggregate account for a pre-transfer amount that matches the resource transfer request; If the match is successful, the resources of the transfer category of the transfer amount are transferred from the exchange account corresponding to the aggregate account to the transfer-in account, and the pre-transfer amount marked in the aggregate account is deleted.

11. A resource processing device, characterized in that: Configuration on the request aggregation side, including: A resource pre-transfer request generation module, configured to generate a resource pre-transfer request in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregate account, and a pre-transfer amount corresponding to resources of a pre-transfer category; A resource pre-transfer request sending module, used to send the resource pre-transfer request to a resource exchanger, so that the resource exchanger transfers the pre-transfer category resources of the pre-transfer amount from the transfer-out account to the aggregation account; A resource transfer request generating module, used to generate a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category; A resource transfer request sending module is used to send the resource transfer request to the resource exchanger, so that the resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

12. A resource processing device, characterized in that: Configured on the resource exchange side, including: A resource pre-transfer request acquisition module, used to acquire a resource pre-transfer request generated by a request aggregation party in response to a resource pre-transfer operation; wherein the resource pre-transfer request includes a transfer-out account, an aggregation account, and a pre-transfer amount corresponding to resources of a pre-transfer category; A resource pre-transfer module, configured to transfer the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account in response to the resource pre-transfer request; A resource transfer request acquisition module, used to acquire a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category; A resource transfer module is used to transfer resources of a transfer category of a transfer amount from an exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request; wherein the resources of a transfer category of the transfer amount are equivalent to the resources of a pre-transfer category of the pre-transfer amount.

13. An electronic device, characterized in that: It includes a memory, a processor and a computer program stored in the memory and executable on the processor, wherein when the processor executes the computer program, it implements the resource processing method as described in any one of claims 1 to 6, and / or implements the resource processing method as described in any one of claims 7 to 10.

14. A resource processing system, characterized in that: Includes request aggregators and resource exchangers; The request aggregation party generates a resource pre-transfer request in response to the resource pre-transfer operation; wherein the resource pre-transfer request includes the transfer-out account, the aggregation account and the pre-transfer amount corresponding to the resources of the pre-transfer category; The resource exchanger transfers the pre-transfer amount of resources of the pre-transfer category from the transfer-out account to the aggregation account in response to the resource pre-transfer request; The request aggregator generates a resource transfer request corresponding to the resource pre-transfer request; wherein the resource transfer request includes a transfer-to account, the pre-transfer amount and a transfer category; The resource exchanger transfers the resources of the transfer category of the transfer amount from the exchange account corresponding to the aggregation account to the transfer-in account in response to the resource transfer request; wherein the resources of the transfer category of the transfer amount are equivalent to the resources of the pre-transfer category of the pre-transfer amount.

15. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, it implements the resource processing method according to any one of claims 1 to 6, and / or it implements the resource processing method according to any one of claims 7 to 10.

16. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the computer program implements the resource processing method according to any one of claims 1 to 6, and / or implements the resource processing method according to any one of claims 7 to 10.

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