Resource transfer method and device, electronic equipment and storage medium

Abstract

The invention relates to a resource transfer method and device, electronic equipment and a storage medium. The method comprises the following steps: receiving a segmented resource transfer request of a target account; generating at least one resource transfer scheme corresponding to the to-be-transferred resource; in response to a selection instruction of the target account for a target resource transfer scheme in the at least one resource transfer scheme, matching a first target deduction activity from the plurality of first resource deduction activities, and determining a first resource deduction amount corresponding to the first target deduction activity; and in response to a first resource transfer confirmation instruction triggered by the target account, transferring the to-be-transferred resource to the resource corresponding to the provider from the resource corresponding to the activity party to which the first target deduction activity belongs and the resource corresponding to the target account based on the first resource deduction amount. According to the embodiment of the invention, the resource transfer efficiency, accuracy and flexibility can be improved, so that the use experience of a user is ensured.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and in particular to a resource transfer method, device, electronic device and storage medium. Background Art

[0002] Online installment cashier is a payment solution integrated into the e-commerce platform, which allows consumers to choose installment payment options when purchasing goods. The resource deduction activity configuration in the traditional installment cashier is not smart enough to meet the diverse needs, which can also lead to a decrease in the business processing efficiency and user experience of resource transfer. If the configuration information needs to be adjusted later, the code needs to be modified, which can also lead to problems such as poor configuration flexibility and complex operation. Summary of the invention

[0003] The present invention provides a resource transfer method, device, electronic device and storage medium to at least solve the problem of decreased business processing efficiency and user experience of resource transfer in related technologies. 、 Problems include poor configuration flexibility and complex operation.

[0004] According to a first aspect of an embodiment of the present disclosure, a resource transfer method is provided, including:

[0005] Receiving a segmented resource transfer request from a target account, the segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of the target account, and provider information of a provider corresponding to the target object;

[0006] generating at least one resource transfer scheme corresponding to the resource to be transferred;

[0007] In response to the target account's selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the plurality of first resource deduction activities, a first target deduction activity is matched from the plurality of first resource deduction activities, and a first resource deduction amount corresponding to the first target deduction activity is determined, the first target deduction activity being the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is configured based on at least one of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information;

[0008] In response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, the resources to be transferred are transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

[0009] According to a second aspect of an embodiment of the present disclosure, a resource transfer method is provided, including:

[0010] Sending a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object to a server, so that the server generates at least one resource transfer scheme corresponding to the resource to be transferred;

[0011] In case of receiving at least one resource transfer scheme corresponding to the resource to be transferred sent by the server, displaying a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred;

[0012] In the case where it is detected that the target account triggers a selection instruction for a target resource transfer scheme in the at least one resource transfer scheme, the selection instruction is sent to the server, so that the server matches a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information;

[0013] In case of receiving the first resource deduction amount sent by the server, displaying a resource transfer application page including the first resource deduction amount;

[0014] When it is detected that the target account has triggered the first resource transfer confirmation instruction on the resource transfer application page, the first resource transfer confirmation instruction is sent to the server, so that the server transfers the resources to be transferred to the resources corresponding to the provider from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account based on the first resource deduction amount.

[0015] According to a third aspect of an embodiment of the present disclosure, there is provided a resource transfer device, including:

[0016] A segmented resource transfer request module, configured to receive a segmented resource transfer request from a target account, wherein the segmented resource transfer request includes object information of a target object corresponding to the resource to be transferred, account information of the target account, and provider information of a provider corresponding to the target object;

[0017] A resource transfer scheme generating module, used to generate at least one resource transfer scheme corresponding to the resource to be transferred;

[0018] A first resource deduction amount determination module is used to respond to the target account's selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, match a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determine the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information;

[0019] The first resource transfer module is used to respond to the first resource transfer confirmation instruction triggered by the target account, and based on the first resource deduction amount, transfer the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

[0020] According to a fourth aspect of an embodiment of the present disclosure, there is provided a resource transfer device, including:

[0021] A segmented resource transfer request sending module, configured to send a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object to the server, so that the server generates at least one resource transfer scheme corresponding to the resource to be transferred;

[0022] a channel support page display module, configured to display a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred upon receiving at least one resource transfer scheme corresponding to the resource to be transferred sent by the server;

[0023] A selection instruction sending module is used to send the selection instruction to the server when it is detected that the target account triggers the selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, so that the server matches a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information and the transfer scheme configuration information;

[0024] a resource transfer application page display module, configured to display a resource transfer application page including the first resource deduction amount upon receiving the first resource deduction amount sent by the server;

[0025] The first resource transfer confirmation instruction sending module is used to send the first resource transfer confirmation instruction to the server when detecting that the first resource transfer confirmation instruction is triggered by the target account on the resource transfer application page, so that the server transfers the resources to be transferred to the resources corresponding to the provider from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account based on the first resource deduction amount.

[0026] According to a fifth aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is used to execute the instructions to implement a method as described in any one of the above-mentioned first aspects.

[0027] According to the sixth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute any method described in the first aspect of the embodiment of the present disclosure.

[0028] According to a seventh aspect of an embodiment of the present disclosure, there is provided a computer program product comprising instructions, which, when executed on a computer, enables the computer to execute any one of the methods described in the first aspect of the embodiment of the present disclosure.

[0029] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:

[0030] Receive a segmented resource transfer request from a target account, generate at least one resource transfer scheme corresponding to the resource to be transferred, and match the target resource transfer scheme selected for the target account based on the preset activity configuration information corresponding to the object information, account information, provider information, target resource transfer scheme, and multiple first resource deduction activities, and determine the first resource deduction amount corresponding to the first target deduction activity, so that the user can obtain the best resource deduction amount when transferring resources, ensuring the utilization efficiency of the resources corresponding to the target account and the optimization of the transfer process. The preset activity configuration information corresponding to any first resource deduction activity is obtained based on the configuration information configuration of at least one dimension of the four dimensions of object, account, provider, and transfer scheme, which improves the flexibility of configuration, and can also be more flexible in adapting to different resource transfer scenarios and resource deduction activity requirements in the subsequent configuration information modification process, reducing the complexity of operation and maintenance costs, and improving the business processing efficiency and user experience of resource transfer. Then, in response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, the resources to be transferred are transferred from the corresponding resources of the activity party to which the first target deduction activity belongs and the corresponding resources of the target account to the resources corresponding to the provider.

[0031] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0033] Figure 1 is a schematic diagram of an application environment according to an exemplary embodiment;

[0034] Figure 2 is a flowchart of a resource transfer method according to an exemplary embodiment;

[0035] Figure 3 It is a flowchart showing a method of changing preset activity configuration information corresponding to any first resource deduction activity based on first configuration information to be changed according to an exemplary embodiment;

[0036] Figure 4 is a schematic diagram of a process of computing service resources according to an exemplary embodiment;

[0037] Figure 5 is a schematic diagram of a flow chart showing a process of changing preset rule configuration information corresponding to any preset resource transfer rule based on second configuration information to be changed according to an exemplary embodiment;

[0038] Figure 6 is a flowchart of another resource transfer method according to an exemplary embodiment;

[0039] Figure 7 is a block diagram of a resource transfer device according to an exemplary embodiment;

[0040] Figure 8 is a block diagram of another resource transfer device according to an exemplary embodiment;

[0041] Fig. 9 It is a block diagram of an electronic device for resource transfer according to an exemplary embodiment. DETAILED DESCRIPTION

[0042] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0043] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar different contents, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described here can be implemented in an order other than those illustrated or described here. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the attached claims.

[0044] 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 for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0045] See also Figure 1 , Figure 1 is a schematic diagram of an application environment according to an exemplary embodiment. Figure 1 As shown, the application environment may include a terminal 100 and a server 200 .

[0046] In an optional embodiment, the terminal 100 may provide services such as resource transfer during the object acquisition process to the user. Specifically, the terminal 100 may include but is not limited to electronic devices such as smart phones, desktop computers, tablet computers, laptops, smart speakers, digital assistants, augmented reality (AR) / virtual reality (VR) devices, smart wearable devices, etc., and may also be software running on the above electronic devices, such as applications, etc. Optionally, the operating system running on the electronic device may include but is not limited to Android system, IOS system, Linux, Windows, etc.

[0047] In an optional embodiment, the server 200 can provide background support for the terminal 100. Specifically, the server 200 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0048] In addition, it should be noted that Figure 1 What is shown is only one application environment provided by the present disclosure. In actual application, other application environments may also be included.

[0049] In the embodiments of this specification, the terminal 100 and the server 200 may be directly or indirectly connected via wired or wireless communication, which is not limited in this disclosure.

[0050] Figure 2 is a flow chart of a resource transfer method according to an exemplary embodiment. Figure 2 As shown, the resource transfer method is used in electronic devices such as servers, and includes the following steps:

[0051] In step S201, a segment resource transfer request of a target account is received.

[0052] In a specific embodiment, the above-mentioned segmented resource transfer request includes object information of the target object corresponding to the resource to be transferred, account information of the target account, and provider information of the provider corresponding to the target object. Optionally, the object information may include the number of resources to be transferred of the target object and the type of the target object, the account information may include an account identifier, and the provider information may include a provider identifier and a provider type.

[0053] Exemplarily, the target object may be a physical product or a virtual product. Accordingly, the resources to be transferred may include the order amount and product type of the product, the account information of the target account may include the account ID (Identity document) of the target account, and the provider information of the provider corresponding to the target object includes the provider ID and provider type of the provider corresponding to the product.

[0054] In step S203, at least one resource transfer scheme corresponding to the resources to be transferred is generated.

[0055] In a specific embodiment, the resource transfer scheme may include the number of segments, the amount of resources to be transferred in each segment, and the resource cost of each segment.

[0056] Exemplarily, the resource transfer scheme may be an installment payment scheme. Specifically, the resource transfer scheme may include the number of installments, the amount to be paid for each installment, and the interest for each installment. Accordingly, the generating of at least one resource transfer scheme corresponding to the resources to be transferred may include: generating at least one installment payment scheme corresponding to the order amount, wherein the installment payment scheme includes the number of installments, the amount to be paid for each installment, and the interest for each installment.

[0057] In step S205, in response to the target account's selection instruction for a target resource transfer scheme in at least one resource transfer scheme, based on the object information, account information, provider information, target resource transfer scheme and preset activity configuration information corresponding to each of the multiple first resource deduction activities, a first target deduction activity is matched from the multiple first resource deduction activities, and the first resource deduction amount corresponding to the first target deduction activity is determined.

[0058] In a specific embodiment, the above-mentioned first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme. In a specific embodiment, the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information configuration of the first object configuration information, the first account configuration information, the first provider configuration information and the transfer scheme configuration information. In a specific embodiment, the first object configuration information is used to indicate the constraint conditions of the object participating in the corresponding first resource deduction activity, the first account configuration information is used to indicate the constraint conditions of the account participating in the corresponding first resource deduction activity, the first provider configuration information is used to indicate the constraint conditions of the provider participating in the corresponding first resource deduction activity, and the transfer scheme configuration information is used to indicate the constraint conditions of the resource transfer scheme participating in the corresponding first resource deduction activity. Specifically, any configuration information includes matching fields, matching conditions and field values. Among them, the matching field is the name of the field to be checked, which is used to specify the data elements to be compared. The matching condition is a condition that describes how the field value should be matched, and specifies the specific rules for data comparison, including but not limited to "equal to", "not equal to", "greater than", "less than", "contains" and "does not contain". The field value is a value used together with the field name and the matching condition for actual matching.

[0059] Exemplarily, the first resource deduction activity may be a deduction activity for transferring resources required to acquire the object.

[0060] In a specific embodiment, the selection instruction of the target account for the target resource transfer scheme in at least one resource transfer scheme can be triggered by an operation such as clicking on the target resource transfer scheme in the channel support page.

[0061] Taking the first object configuration information as an example, specifically, the first object configuration information may be that the price of the commodity participating in the corresponding first resource deduction activity must be greater than 3,000 yuan. The first object configuration information includes an object matching field, an object matching condition, and an object field value. Among them, the object matching field may be the commodity price, the object matching condition may be greater than, and the object field value may be 3,000. Taking the first account configuration information as an example, specifically, the first account configuration information may be that the age of the user participating in the corresponding first resource deduction activity must be greater than 30 years old. The first account configuration information includes an account matching field, an account matching condition, and an account field value. Among them, the account matching field may be the user age, the account matching condition may be greater than, and the account field value may be 30. Taking the first provider configuration information as an example, specifically, the first provider configuration information may be that the merchant participating in the corresponding first resource deduction activity must be of the furniture type. The first provider configuration information includes a provider matching field, a provider matching condition, and a provider field value. Among them, the provider matching field may be the merchant type, the provider matching condition may be equal to, and the provider field value may be furniture. Taking the transfer plan configuration information as an example, specifically, the transfer plan configuration information may be that the installment payment plan participating in the corresponding first resource deduction activity must not belong to Bank A. Specifically, the transfer plan configuration information includes a plan matching field, a plan matching condition, and a plan field value. Among them, the plan matching field may be the bank of the installment payment plan, the plan matching condition may be not included, and the plan field value may be Bank A. Accordingly, if the product price is greater than 3,000 yuan, the user is older than 30 years old, the merchant is a furniture type, and the installment payment plan that does not select Bank A is met, the first resource deduction activity can be participated in.

[0062] Taking the transfer plan configuration information as an example, specifically, the transfer plan configuration information may be that the number of installment payment plans participating in the corresponding first resource deduction activity is 3 periods. Specifically, the transfer plan configuration information includes a plan matching field, a plan matching condition, and a plan field value. Among them, the plan matching field may be the number of installment payment plans, the plan matching condition may be equal to, and the plan field value may be 3. Taking the transfer plan configuration information as an example, specifically, the transfer plan configuration information may be that the installment payment plans participating in the corresponding first resource deduction activity must belong to Bank A, Bank B, and Bank C. Specifically, the transfer plan configuration information includes a plan matching field, a plan matching condition, and a plan field value. Among them, the plan matching field may be the bank of the installment payment plan, the plan matching condition may be included, and the plan field value may be Bank A, Bank B, and Bank C. Correspondingly, the installment payment plans with a number of 3 periods of Bank A, Bank B, and Bank C can participate in the first resource deduction activity.

[0063] In a specific embodiment, the activity array stores detailed information of all first resource deduction activities. Each first resource deduction activity in the activity array contains a unique identifier of the activity, a constraint array, and a deduction resource field. Accordingly, the identifier is used to uniquely identify the first resource deduction activity, the constraint array contains all constraints that must be met to participate in the activity, and the deduction resource field indicates the amount of deduction resources that the target account will obtain when all constraints in the constraint array are met. Specifically, each element in the constraint array represents a specific constraint, and each constraint contains a matching field, a matching condition, and a field value.

[0064] In a specific embodiment, the above-mentioned activity array is stored as a string in JSON format, and the system uses a JSON parser to convert the JSON string into an internal data structure in a programming language. When transaction data arrives, the system will traverse each first resource deduction activity in the activity array, and for each constraint in the constraint array corresponding to each first resource deduction activity, the system will evaluate whether the corresponding field in the transaction data meets the requirements. If all constraints of a resource deduction activity are met in the transaction data, the system will apply the deduction resource quantity defined in the deduction resource field of the activity.

[0065] In a specific embodiment, before matching a first target deduction activity from a plurality of first resource deduction activities, it is determined whether the target object is set by the provider to be able to participate in any first resource deduction activity among the plurality of first resource deduction activities.

[0066] In an optional embodiment, if the user has not bound the bank card of the bank corresponding to the selected installment payment plan, then after the user selects the installment payment plan, he / she will be redirected to the card binding page of the event organizer. After filling in the cardholder's name, ID number and mobile phone number on the card binding page, he / she will be redirected to the bank's H5 page. After filling in the corresponding information on this page, the card binding is successful.

[0067] In step S207, in response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, the resources to be transferred are transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

[0068] In a specific embodiment, the first resource transfer confirmation instruction may be triggered by operations such as clicking a payment confirmation control in a resource transfer application page.

[0069] In a specific embodiment, the above method further includes:

[0070] The preset region code of the provider is obtained, and when the preset region code is the region code of the region where the preset transfer agency is located, a third resource deduction amount is determined based on the second resource deduction activity of the preset transfer agency.

[0071] Exemplarily, the transfer agency may be UnionPay in different regions, for example, UnionPay in Region A, UnionPay in Region B, and UnionPay in Region C, etc. The preset transfer agency may be UnionPay in a region with a second resource deduction activity, for example, UnionPay in Region A. Exemplarily, the above-mentioned acquisition of the preset region code of the provider, when the preset region code is the region code of the region where the preset transfer agency is located, determining the third resource deduction amount based on the second resource deduction activity of the preset transfer agency may include: acquiring the region code reported by the provider to the activity party, when the region code provided by the merchant is the code of the region where UnionPay in Region A is located, determining the third resource deduction amount that the account that consumes at the provider can enjoy based on the second resource deduction activity of UnionPay in Region A for the provider.

[0072] In actual application, the regional UnionPay will notify the activity party or merchant in advance that it has a second resource deduction activity. The merchant can report the code of the region where the regional UnionPay with the second resource deduction activity is located to the activity party; if the merchant does not report any regional code to the activity party, the activity party will default to the code of the region where the regional UnionPay with the second resource deduction activity is located for the merchant.

[0073] For example, UnionPay in area A will notify the event organizer or merchant in advance that it has a second resource deduction activity. The merchant can then submit the area code of area A to the event organizer. If the merchant does not report any area code to the event organizer, the event organizer will default to the merchant taking the area code of area A. When paying, the event organizer will use the area code to specify UnionPay in area A, confirm the third discount amount of UnionPay in area A for this transaction, and use UnionPay in area A to complete the payment.

[0074] In a specific embodiment, in response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, transferring the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider includes:

[0075] In response to the first resource transfer confirmation instruction, based on the first resource deduction amount and the third resource deduction amount, the resources to be transferred are transferred from the resources corresponding to the preset transfer agency, the resources corresponding to the activity party to which the first target deduction activity belongs, and the resources corresponding to the target account to the resources corresponding to the provider.

[0076] In the above embodiment, the preset region code is used to specify the preset transfer mechanism payment, and the preset region code is directly used to specify the preset transfer mechanism payment instead of relying on rule routing. That is, regardless of other factors, as long as the region code is provided, the system will give priority to using the preset transfer mechanism with the second resource deduction activity corresponding to the code to transfer resources, thereby improving the efficiency and certainty of resource transfer, and ensuring that users enjoy the third resource deduction amount of the preset transfer mechanism, thereby improving user experience and user stickiness.

[0077] In a specific embodiment, the first resource transfer confirmation instruction includes account information and activity identification information of the first target deduction activity.

[0078] In a specific embodiment, the above method further includes:

[0079] In response to the first resource transfer confirmation instruction triggered by the target account, a resource reservation operation is performed based on the account information and the activity identification information to reserve an available quota for the target account in the first target deduction activity.

[0080] In a specific embodiment, after the resource transfer is completed, the method further includes:

[0081] The first resource deduction amount is deducted from the preset activity resources corresponding to the activity party to which the first resource deduction activity belongs.

[0082] In actual applications, the first resource deduction activity may be changed due to the resource deduction requirements of the activity party. Therefore, in a specific embodiment, Figure 3 As shown, the above method also includes:

[0083] In step S301, a first change instruction of any first resource deduction activity is received.

[0084] In a specific embodiment, the above-mentioned first change instruction includes the first configuration information to be changed in the preset activity configuration information corresponding to any first resource deduction activity. In a specific embodiment, the first configuration information to be changed includes at least one of the first object configuration information, the first account configuration information, the first provider configuration information and the transfer plan configuration information. Any configuration information to be changed includes a configuration item to be changed and a configuration value to be changed. The configuration item to be changed is at least one of the matching field, the matching condition and the field value, and the configuration value to be changed is the specific content after the change corresponding to the configuration item to be changed.

[0085] For example, based on the resource deduction business needs, it is necessary to add one constraint to the first resource deduction activity, which has four constraints, including the commodity price greater than 3,000 yuan, the user age greater than 30 years old, the merchant of furniture type, and the installment payment plan that does not select Bank A. The installment payment plan with 4 installments can participate in the corresponding first resource deduction activity. Correspondingly, the configuration items to be changed include object matching fields, object matching conditions, and object field values, and the configuration information to be changed is number of installments, equal to, and 4 respectively.

[0086] For example, based on the resource deduction business requirements, the three-period installment payment plan of Bank A, Bank B and Bank C needs to be changed to a five-period installment payment plan of Bank A, Bank B and Bank C. Correspondingly, the configuration item to be changed is the value of the plan field corresponding to the number of periods in the plan matching field, and the configuration information to be changed is 5.

[0087] In step S303, based on the first configuration information to be changed, the preset activity configuration information corresponding to any first resource deduction activity is changed.

[0088] In a specific embodiment, the above-mentioned change processing of the preset activity configuration information corresponding to any first resource deduction activity based on the first configuration information to be changed may include: modifying the configuration information corresponding to the first resource deduction activity based on the configuration item to be changed and the configuration value to be changed in the first configuration information to be changed.

[0089] In the above embodiment, through the flexible activity configuration change mechanism, it is possible to quickly respond in the dynamically changing resource deduction business environment, accurately control the conditions of resource deduction activities, and fine-grained configuration information management, and can be fine-tuned for different objects, accounts, providers, and resource transfer plans to meet diverse business needs. And it makes the system have a high level of flexibility, adaptability, and automation, improving business operation efficiency.

[0090] In a specific embodiment, Figure 4 As shown, the above method also includes:

[0091] In step S401, a target resource transfer rule is matched from multiple preset resource transfer rules based on object information, account information, provider information, target resource transfer scheme, and preset rule configuration information corresponding to each of the multiple preset resource transfer rules.

[0092] In a specific embodiment, the preset rule configuration information corresponding to any of the above preset resource transfer rules is obtained based on at least one of the second object configuration information, the second account configuration information, the second provider configuration information and the transfer rule configuration information. In a specific embodiment, the second object configuration information is used to indicate the constraint conditions of the object participating in the corresponding preset resource transfer rule, the second account configuration information is used to indicate the constraint conditions of the account participating in the corresponding preset resource transfer rule, the second provider configuration information is used to indicate the constraint conditions of the provider participating in the corresponding preset resource transfer rule, and the transfer rule configuration information is used to indicate the constraint conditions of the resource transfer scheme participating in the corresponding preset resource transfer rule. Specifically, any rule condition includes a matching field, a matching condition and a field value. Among them, the matching field is the name of the field to be checked, which is used to specify the data element to be compared. The matching condition is a condition that describes how the field value should be matched, and specifies the specific rules for data comparison, including but not limited to "equal to", "not equal to", "greater than", "less than", "contains" and "does not contain", etc. The field value is a value used together with the field name and the matching condition for actual matching.

[0093] Taking the transfer rule configuration information as an example, specifically, the second object configuration information may be that the installment payment scheme participating in the corresponding billing rule needs to be a user interest subsidy. Specifically, the second object configuration information includes an object matching field, an object matching condition, and an object field value. Among them, the scheme matching field may be the interest subsidy mode of the installment payment scheme, the scheme matching condition may be equal to, and the scheme field value may be the user interest subsidy. Taking the transfer rule configuration information as an example, specifically, the second object configuration information may be that the installment payment scheme participating in the corresponding billing rule needs to belong to the installment payment scheme of Bank A. Specifically, the second object configuration information includes an object matching field, an object matching condition, and an object field value. Among them, the scheme matching field may be the bank of the installment payment scheme, the scheme matching condition may be equal to, and the scheme field value may be Bank A. Taking the transfer rule configuration information as an example, specifically, the second object configuration information may be that the number of installment payment schemes participating in the corresponding billing rule is 3 periods. Specifically, the second object configuration information includes an object matching field, an object matching condition, and an object field value. Among them, the scheme matching field may be the number of installment payment schemes, the scheme matching condition may be equal to, and the scheme field value may be 3. Correspondingly, the three-period installment payment plan with interest subsidy for users of Bank A is subject to this billing rule.

[0094] In a specific embodiment, the billing rule array stores the detailed information of all billing rules. Each billing rule in the billing rule array contains a unique identifier of the rule, a constraint array and a billing detail object. Accordingly, the identifier is used to uniquely identify the billing rule, the constraint array contains all the constraints that must be met to adopt the billing rule, and the billing detail object describes the specific content and method of billing. Specifically, each element in the constraint array represents a specific constraint, and each constraint contains a matching field, a matching condition and a field value. The billing detail object contains a billing item field, a billing type field and a billing detail field. Among them, the billing item is used to identify the type of calculated fee, such as installment handling fees and service fees. The billing type specifies the type of billing, such as step billing and fixed billing. The billing details provide specific implementation values ​​in billing, such as the specific amount corresponding to the billing item for the installment handling fee and the specific rate corresponding to the billing item for the service fee.

[0095] In a specific embodiment, the above-mentioned billing rule array is stored as a string in JSON format. For parsing the string for rule matching, please refer to the above-mentioned activity array stored as a string in JSON format. For parsing the string for activity matching, no further details are given here.

[0096] In step S403, resource calculation is performed based on the target resource transfer rule and the resources to be transferred to obtain service resources.

[0097] In a specific embodiment, the service resource is the resource to be transferred to the activity party of the target deduction activity after the resource transfer corresponding to the target object is completed. Exemplarily, the service resource can be the handling fee that the merchant needs to pay to the activity party, or it can be the installment handling fee.

[0098] In the above embodiment, the preset resource transfer rules are decomposed into multiple fine-grained configuration information, and the applicable conditions and restrictions of each preset resource transfer rule can be customized and adjusted according to specific resource transfer business needs and scenarios, allowing the activity party to flexibly customize the resource transfer rules according to different resource transfer business needs and configuration information, thereby realizing refined billing management.

[0099] In actual applications, the preset resource transfer rules may be changed due to the billing requirements of the activity party. Therefore, in a specific embodiment, Figure 5 As shown, the above method also includes:

[0100] In step S501, a second change instruction of any preset resource transfer rule is received.

[0101] In a specific embodiment, the second change instruction includes the second configuration information to be changed in the preset rule configuration information corresponding to any preset resource transfer rule. In a specific embodiment, the second configuration information to be changed includes at least one of the second object configuration information, the second account configuration information, the second provider configuration information and the transfer rule configuration information. Any configuration information to be changed includes a configuration item to be changed and a configuration value to be changed. The configuration item to be changed is at least one of the matching field, the matching condition and the field value, and the configuration value to be changed is the specific content after the change corresponding to the configuration item to be changed.

[0102] In step S503, based on the second configuration information to be changed, the preset rule configuration information corresponding to any preset resource transfer rule is changed.

[0103] In a specific embodiment, the above-mentioned change processing of the preset rule configuration information corresponding to any preset resource transfer rule based on the second configuration information to be changed may include: modifying the preset configuration information corresponding to the billing rule based on the configuration item to be changed and the configuration value to be changed in the second configuration information to be changed.

[0104] The above-mentioned change processing of the preset rule configuration information corresponding to any preset resource transfer rule based on the second configuration information to be changed can refer to the above-mentioned change processing of the preset activity configuration information corresponding to any first resource deduction activity based on the first configuration information to be changed, which will not be repeated here.

[0105] In the above embodiment, by receiving change instructions and updating or adjusting the preset rule configuration information corresponding to the preset resource transfer rules based on the new configuration information, it is possible to efficiently respond to the adjustment needs of the preset resource transfer rules, improve the flexibility, accuracy and scalability of the system, and adapt to ever-changing business scenarios.

[0106] In a specific embodiment, the above-mentioned multiple first resource deduction activities include at least one first resource deduction activity corresponding to each preset channel in at least one preset channel. In a specific embodiment, the preset channels can be different banks. Exemplarily, the preset channels can be banks such as Bank A, Bank B and Bank C. Exemplarily, the above-mentioned multiple first resource deduction activities include 3 activities applicable to Bank A and 2 activities applicable to Bank B.

[0107] In a specific embodiment, after receiving the segment resource transfer request of the target account, the method further includes:

[0108] Based on the object information, account information, provider information, and preset activity configuration information corresponding to each preset channel and multiple first resource deduction activities, a second target deduction activity corresponding to each preset channel is matched from at least one first resource deduction activity corresponding to each preset channel, and a second resource deduction amount corresponding to the second target deduction activity is determined;

[0109] The second resource deduction amount is sent to the terminal corresponding to the target account, so that the terminal displays the second resource deduction amount corresponding to each preset channel.

[0110] In a specific embodiment, the second target deduction activity is the activity with the largest amount of deduction resources corresponding to each preset channel.

[0111] Exemplarily, the above-mentioned preset activity configuration information corresponding to each preset channel and multiple first resource deduction activities, matching the second target deduction activity corresponding to each preset channel from at least one first resource deduction activity corresponding to each preset channel, and determining the second resource deduction amount corresponding to the second target deduction activity may include: based on product information, user information, merchant information, each bank and multiple first resource deduction activities The preset activity configuration information corresponding to each activity, matching the second target deduction activity with the largest deduction resource amount for Bank A from 3 activities applicable to Bank A, and determining the second resource deduction amount of Bank A; matching the second target deduction activity with the largest deduction resource amount from 2 activities applicable to Bank B for Bank B, and determining the second resource deduction amount of Bank B.

[0112] In the above embodiment, based on the preset channel dimension, the second resource deduction amount is matched for each preset channel, and the second resource deduction amount corresponding to each preset channel is displayed on the terminal for user reference, thereby helping users make more informed resource transfer decisions and improving user experience.

[0113] In a specific embodiment, the above method further includes:

[0114] In response to a second resource transfer confirmation instruction triggered by the target account based on the second resource deduction amount corresponding to the target channel in at least one preset channel, based on the second resource deduction amount corresponding to the target channel, the resources to be transferred are transferred from the resources corresponding to the activity party to which the second target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

[0115] In a specific embodiment, the target channel is any preset channel of at least one preset channel. In a specific embodiment, the second resource transfer confirmation instruction can be triggered by clicking a control of the second resource deduction amount corresponding to the target channel in the channel support page.

[0116] In a specific embodiment, when the target account selects a second resource deduction amount corresponding to a target channel in at least one preset channel, the channel support page will display a second target deduction activity corresponding to the second resource deduction amount.

[0117] In the above embodiment, when the target account selects the second resource deduction amount corresponding to the target channel in at least one preset channel, the resource transfer plan corresponding to the second resource deduction amount is automatically selected for the target account, making the resource transfer more efficient and accurate, simplifying the user's resource transfer process, improving the flexibility and efficiency of resource transfer, and also improving the user experience.

[0118] Figure 6 is a flow chart of a resource transfer method according to an exemplary embodiment. Figure 6 As shown, the terminal is used as the execution subject, including the following steps:

[0119] In step S601, a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object is sent to a server, so that the server generates at least one resource transfer plan corresponding to the resource to be transferred.

[0120] In step S603, when at least one resource transfer scheme corresponding to the resource to be transferred sent by the server is received, a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred is displayed.

[0121] Exemplarily, the channel support page may be a bank support page.

[0122] In actual applications, the bank support page includes but is not limited to information such as order number, order amount, banks that support installment payments, installment payment plans under each bank, and the second resource deduction amount corresponding to each bank.

[0123] In step S605, when it is detected that the target account triggers a selection instruction for a target resource transfer scheme in at least one resource transfer scheme, a selection instruction is sent to the server, so that the server matches the first target deduction activity from the multiple first resource deduction activities based on the object information, account information, provider information, target resource transfer scheme and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity.

[0124] In step S607, when the first resource deduction amount sent by the server is received, a resource transfer application page including the first resource deduction amount is displayed.

[0125] Exemplarily, the resource transfer application page may be a payment confirmation page.

[0126] In actual applications, the payment confirmation page includes but is not limited to the order amount, information related to the selected bank and installment payment plan, the first resource deduction amount of the event organizer, the third resource deduction amount of the regional UnionPay, and other information.

[0127] In actual application, if the user has not bound the bank card of the bank corresponding to the selected target installment payment plan, he / she will be redirected to the card binding page of the event organizer. The user needs to fill in the cardholder's name, ID number, mobile phone number and other information on this page. After filling in the information, the user will be redirected to the bank's H5 page. After the user fills in the relevant information on this page, the user will be redirected to the payment confirmation page.

[0128] In step S609, when it is detected that the target account has triggered the first resource transfer confirmation instruction on the resource transfer application page, a first resource transfer confirmation instruction is sent to the server, so that the server transfers the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider based on the first resource deduction amount.

[0129] In actual application, after the payment is completed, the page will jump to the successful transaction, which includes but is not limited to information such as product name, order number, payee, order amount, first preferential amount of the event organizer, second preferential amount of regional UnionPay, and the amount actually paid by the user.

[0130] Regarding the above-mentioned terminal side embodiment, the specific manner of each step has been described in detail in the server side embodiment of the method, and will not be elaborated here.

[0131] According to another aspect of the embodiment of the present disclosure, there is also provided a resource transfer system, which may include: a terminal and a server;

[0132] The terminal includes an account terminal.

[0133] The servers include provider servers, target channel servers, and activity server.

[0134] Specifically, another resource transfer method may include:

[0135] The account terminal, when detecting that the target account triggers the segmented resource transfer instruction, sends resource transfer information to the provider server, the resource transfer related information including object information of the target object corresponding to the resource to be transferred, account information of the target account, and provider information of the provider corresponding to the target object;

[0136] The provider server, after receiving the resource transfer information, initiates a segmented resource transfer request by calling a first preset interface provided by the server, the segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object;

[0137] The activity party server receives the segmented resource transfer request from the provider, parses the segmented resource transfer request, obtains the object information of the target object, the account information of the target account, and the provider information of the provider corresponding to the target object; generates at least one resource transfer scheme corresponding to the resources to be transferred based on the above information, and matches the second target deduction activity corresponding to each preset channel from at least one first resource deduction activity corresponding to each preset channel based on the object information, account information, provider information, preset activity configuration information corresponding to each preset channel and multiple first resource deduction activities, and determines the second resource deduction amount corresponding to the second target deduction activity; and generates a resource transfer link integrating all pages in the resource transfer process, and returns the resource transfer link to the account terminal;

[0138] The account terminal, when detecting that the target account clicks on the resource transfer link, sends a request to the initialization interface of the activity party server to obtain relevant information; the request includes but is not limited to relevant parameters such as object information and target account;

[0139] After receiving the request, the activity party server will query the data related to the object information according to the parameters in the request. After the data is queried, the data will be packaged into a response and returned to the account terminal, including but not limited to the object information, at least one resource transfer plan of each preset channel, and the second resource deduction amount corresponding to each preset channel;

[0140] After receiving the initialization data, the account terminal renders the channel support page according to the data, and displays the object information, at least one resource transfer plan for each preset channel, and the second resource deduction amount corresponding to each preset channel;

[0141] The account terminal, when detecting that the target account has selected the target resource transfer plan but has not bound the corresponding target channel resource equipment, jumps to the binding page, collects the relevant information filled in by the target account, and sends the target resource transfer plan and the relevant information filled in by the target account to the activity party server;

[0142] The activity party server, based on the object information, account information, provider information, target resource transfer scheme and preset activity configuration information corresponding to each of the multiple first resource deduction activities, matches the first target deduction activity from the multiple first resource deduction activities, determines the first resource deduction amount corresponding to the first target deduction activity, and returns the first resource deduction amount and relevant information of the target resource transfer scheme to the account terminal; verifies the relevant information filled in by the target account, and after the verification is passed, forwards the information to the preset page interface of the target channel to initiate a binding request;

[0143] The account terminal jumps to the preset page of the target channel. After the target account completes filling in the preset page, the filled in relevant information is sent to the target channel server;

[0144] The target channel server verifies and processes the relevant information filled in. After verification, the binding success information is returned to the activity party server;

[0145] The activity server receives the successful binding information, updates the binding status of the target account based on the information, and returns the successful binding information to the account terminal;

[0146] The account terminal, after receiving the successful binding information, prompts the target account to be successfully bound and jumps to the resource transfer application page, which includes but is not limited to the object information, the first resource deduction amount, the third resource deduction amount corresponding to the preset transfer organization, and information related to the target resource transfer plan;

[0147] The account terminal, upon detecting the first resource transfer confirmation instruction triggered by the target account on the resource transfer application page, sends the resource transfer information confirmed by the target account to the activity party server;

[0148] After receiving the resource transfer information, the activity party server performs a resource reservation operation to reserve an available quota for the target account in the first target deduction activity, and obtains the preset region code of the provider. If the preset region code is the region code of the region where the preset transfer agency is located, the preset transfer agency is designated to complete the resource transfer;

[0149] The activity party server receives the resource transfer result sent by the preset transfer mechanism, returns the resource transfer result to the account terminal, and deducts the first resource deduction amount from the preset activity resources corresponding to the first target deduction activity;

[0150] The account terminal receives the resource transfer result, and displays a resource transfer success page when the resource transfer result indicates that the transfer is successful. The resource transfer success page includes, but is not limited to, information such as object information, resources to be transferred, first resource deduction amount, and third resource deduction amount;

[0151] The activity party server, based on the object information, account information, provider information, target resource transfer plan and preset rule configuration information corresponding to each of the multiple preset resource transfer rules, matches the target resource transfer rule from the multiple preset resource transfer rules, performs resource calculation, and obtains the service resource; and sends the service resource to the provider server through the second preset interface.

[0152] Optionally, the above method further includes:

[0153] The account terminal, when detecting that the target account triggers a resource return instruction, sends resource return information to the provider server, the resource transfer related information including the object information of the target object corresponding to the resource to be transferred, the account information of the target account, and the provider information of the provider corresponding to the target object;

[0154] After receiving the resource return information, the provider terminal initiates a resource return request by calling a third preset interface provided by the activity party server, wherein the segmented resource transfer request includes object information of the target object corresponding to the resource to be transferred, account information of the target account, and provider information of the provider corresponding to the target object;

[0155] The activity party server receives the resource return request, executes the resource return request operation, and returns the resource return result to the user terminal;

[0156] The user terminal updates the status according to the resource return result and notifies the target account of the resource return result.

[0157] Exemplarily, the resource transfer system may include:

[0158] The account terminal, after detecting that the user selects the option of installment payment, sends transaction related information to the provider server;

[0159] After receiving the transaction-related information, the provider server initiates an installment payment request by calling the order creation interface provided by the activity server. The installment payment information includes the product information of the product to be paid, the user's account information, and the merchant information of the merchant corresponding to the product; including but not limited to the order number, product type, order amount, user's account ID, merchant type, etc.

[0160] The activity party server receives the merchant's installment payment request, parses the installment payment request, obtains product information, account information and merchant information, and generates installment payment plans corresponding to each bank based on the above information, and matches the second resource deduction activity with the largest discount amount for each bank from the bank dimension, determines the second resource deduction amount corresponding to the second resource deduction activity, and generates a cashier URL address that integrates all pages in the payment process, and returns the cashier URL address to the account terminal;

[0161] When the account terminal detects that the user clicks the cashier URL link, it sends a request to the initialization interface of the event server to obtain relevant information; the request includes but is not limited to order number, account ID and other related parameters to help the event server identify which user and which order;

[0162] After receiving the request, the server of the activity party will query the relevant trial calculation results and other information according to the parameters in the request. After querying the data, it will package the data into a response and return it to the user terminal, including but not limited to the order number, order amount, installment payment plan of each bank, interest and the corresponding second resource deduction amount of each bank;

[0163] After receiving the initialization data, the account terminal will render the bank support page based on the data, displaying the order number, order amount, installment payment plan of each bank, interest, and the corresponding second resource deduction amount of each bank and other data of this transaction;

[0164] When the account terminal detects that the user has selected a target installment payment plan but has not bound the corresponding bank card, it will jump to the card binding page of the event organizer, collect relevant information such as the cardholder, ID number and mobile phone number filled in by the user, and send the target installment payment plan selected by the user to the event organizer's server;

[0165] The activity party server matches the first target resource deduction activity with the largest deduction resource amount for the target installment payment plan, and returns the first resource deduction amount corresponding to the first target resource deduction activity to the account terminal; and verifies the personal information filled in by the user. After the verification is passed, the information is forwarded to the bank's H5 page interface to initiate a card binding request;

[0166] The account terminal jumps to the bank's H5 page. After the user completes the H5 page, the personal information filled in is sent to the target channel server;

[0167] The target channel server verifies and processes the personal information entered. Once the verification is successful, the card binding success information is returned to the activity party server.

[0168] The server of the activity party receives the information of successful card binding, updates the user's card binding status according to the information, and returns the information of successful card binding to the user terminal;

[0169] After receiving the card binding success information, the account terminal prompts the user that the card binding is successful, and jumps to the payment confirmation page, which includes but is not limited to the order amount, bank, number of installments, repayment amount per installment, interest rate, first resource deduction amount corresponding to the activity party, and third resource deduction amount corresponding to the regional UnionPay, etc.;

[0170] The account terminal, upon detecting that the user clicks the payment confirmation control in the resource transfer application page, sends the payment request information confirmed by the user to the activity party server;

[0171] After receiving the payment request information, the activity party server occupies a quota for the user in the first target resource deduction activity, obtains the preset area code reported by the merchant, and designates the preset transfer agency to complete the resource transfer when the preset area code is the area code of the area where the preset transfer agency is located;

[0172] The activity party server receives the payment result sent by the preset transfer agency, and returns the payment result (success or failure) to the account terminal, and deducts the first resource deduction amount of the transaction subsidy from the preset activity resource corresponding to the first target resource deduction activity;

[0173] The account terminal receives the payment result, and displays a payment success page when the payment result indicates that the transaction is successful. The payment success page includes, but is not limited to, information such as the product name, order number, order amount, the first resource deduction amount of the event organizer, the third resource deduction amount of UnionPay, and the actual payment amount of the user;

[0174] The activity server, based on the relevant information, matches the appropriate billing rules and calculates the installment handling fee or service fee; and sends the settlement result to the provider server through the asynchronous notification interface.

[0175] Optionally, the above method further includes:

[0176] The account terminal sends order refund information to the merchant when it detects that the user has applied for a refund;

[0177] After receiving the order refund information, the provider terminal initiates a refund request by calling the refund interface provided by the activity party server;

[0178] The activity server receives the refund request, executes the refund operation, and returns the refund result to the user terminal;

[0179] The user terminal updates the status according to the refund result and notifies the user of the refund result.

[0180] Figure 7 is a block diagram of a resource transfer device according to an exemplary embodiment. Figure 7 , the device comprises:

[0181] The segment resource transfer request module 710 is used to receive a segment resource transfer request from a target account, wherein the segment resource transfer request includes object information of a target object corresponding to the resource to be transferred, account information of the target account, and provider information of a provider corresponding to the target object;

[0182] A resource transfer scheme generating module 720, configured to generate at least one resource transfer scheme corresponding to the resources to be transferred;

[0183] The first resource deduction amount determination module 730 is used to respond to the target account's selection instruction for the target resource transfer scheme in at least one resource transfer scheme, match the first target deduction activity from multiple first resource deduction activities based on the object information, account information, provider information, target resource transfer scheme and preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determine the first resource deduction amount corresponding to the first target deduction activity, the first target deduction activity being the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information and the transfer scheme configuration information;

[0184] The first resource transfer module 740 is used to respond to the first resource transfer confirmation instruction triggered by the target account, and based on the first resource deduction amount, transfer the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

[0185] In an optional embodiment, the above device further includes:

[0186] A first change instruction receiving module is used to receive a first change instruction for any first resource deduction activity, the first change instruction includes first configuration information to be changed in the preset activity configuration information corresponding to any first resource deduction activity, and the first configuration information to be changed includes at least one of first object configuration information, first account configuration information, first provider configuration information and transfer plan configuration information;

[0187] The first change processing module is used to perform change processing on preset activity configuration information corresponding to any first resource deduction activity based on the first configuration information to be changed.

[0188] In an optional embodiment, the above device further includes:

[0189] a target resource transfer rule matching module, configured to match a target resource transfer rule from multiple preset resource transfer rules based on object information, account information, provider information, target resource transfer scheme, and preset rule configuration information corresponding to each of the multiple preset resource transfer rules, wherein the preset rule configuration information corresponding to any preset resource transfer rule is obtained based on at least one of the second object configuration information, the second account configuration information, the second provider configuration information, and the transfer rule configuration information;

[0190] The service resource calculation module is used to perform resource calculation based on the target resource transfer rules and the resources to be transferred to obtain service resources. The service resources are the resources to be transferred by the activity party to which the target deduction activity belongs after the resource transfer corresponding to the target object is completed.

[0191] In an optional embodiment, the above device further includes:

[0192] A second change instruction receiving module is used to receive a second change instruction of any preset resource transfer rule, the second change instruction includes second configuration information to be changed in the preset rule configuration information corresponding to any preset resource transfer rule, and the second configuration information to be changed includes at least one of second object configuration information, second account configuration information, second provider configuration information and transfer rule configuration information;

[0193] The second change processing module is used to perform change processing on the preset rule configuration information corresponding to any preset resource transfer rule based on the second configuration information to be changed.

[0194] In an optional embodiment, the plurality of first resource deduction activities include at least one first resource deduction activity corresponding to each preset channel in at least one preset channel, and after receiving the segmented resource transfer request of the target account, the apparatus further includes:

[0195] A second target deduction activity matching module is used to match the second target deduction activity corresponding to each preset channel from at least one first resource deduction activity corresponding to each preset channel based on the object information, account information, provider information, and preset activity configuration information corresponding to each preset channel and multiple first resource deduction activities, and determine the second resource deduction amount corresponding to the second target deduction activity, the second target deduction activity being the activity with the largest deduction resource amount corresponding to each preset channel;

[0196] The second resource deduction amount sending module is used to send the second resource deduction amount to the terminal corresponding to the target account, so that the terminal displays the second resource deduction amount corresponding to each preset channel.

[0197] In an optional embodiment, the above device further includes:

[0198] A second resource transfer module is configured to respond to a second resource transfer confirmation instruction triggered by a target account based on a second resource deduction amount corresponding to a target channel in at least one preset channel, and transfer the resources to be transferred from the resources corresponding to the activity party to which the second target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider based on the second resource deduction amount corresponding to the target channel;

[0199] In an optional embodiment, the above device further includes:

[0200] A third resource deduction amount determination module is used to obtain a preset region code of the provider, and when the preset region code is the region code of the region where the preset transfer agency is located, determine the third resource deduction amount based on the second resource deduction activity of the preset transfer agency;

[0201] The first resource transfer module 740 includes:

[0202] The first resource transfer unit is used to respond to the first resource transfer confirmation instruction, based on the first resource deduction amount and the third resource deduction amount, transfer the resources to be transferred from the resources corresponding to the preset transfer agency, the resources corresponding to the activity party to which the first target deduction activity belongs, and the resources corresponding to the target account, to the resources corresponding to the provider.

[0203] Figure 8 is a block diagram of another resource transfer device according to an exemplary embodiment. Figure 8 , the device comprises:

[0204] The segmented resource transfer request sending module 810 is used to send a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object to the server, so that the server generates at least one resource transfer scheme corresponding to the resource to be transferred;

[0205] The channel support page display module 820 is used to display a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred when receiving at least one resource transfer scheme corresponding to the resource to be transferred sent by the server;

[0206] A selection instruction sending module 830 is used to send a selection instruction to a server when it is detected that a target account triggers a selection instruction for a target resource transfer scheme in at least one resource transfer scheme, so that the server matches a first target deduction activity from multiple first resource deduction activities based on object information, account information, provider information, target resource transfer scheme, and preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information;

[0207] The resource transfer application page display module 840 is used to display a resource transfer application page including the first resource deduction amount when receiving the first resource deduction amount sent by the server;

[0208] The first resource transfer confirmation instruction sending module 850 is used to send the first resource transfer confirmation instruction to the server when it detects that the target account has triggered the first resource transfer confirmation instruction on the resource transfer application page, so that the server transfers the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider based on the first resource deduction amount.

[0209] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0210] Fig. 9 is a block diagram of an electronic device for resource transfer according to an exemplary embodiment. The electronic device may be a terminal, and its internal structure diagram may be as shown in FIG. Fig. 9 As shown. The electronic device includes a processor, a memory, a network interface, a display screen and an input device connected via a system bus. Among them, the processor of the electronic device is used to provide computing and control capabilities. The memory of the electronic device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the electronic device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer method is implemented. The display screen of the electronic device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the electronic device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the housing of the electronic device, or an external keyboard, touchpad or mouse, etc.

[0211] Those skilled in the art will understand that Fig. 9 The structure shown in the figure is merely a block diagram of a partial structure related to the scheme of the present disclosure, and does not constitute a limitation on the electronic device to which the scheme of the present disclosure is applied. The specific electronic device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0212] In an exemplary embodiment, an electronic device is also provided, including: a processor; and a memory for storing instructions executable by the processor; wherein the processor is used to execute the instructions to implement the resource transfer method in the embodiment of the present disclosure.

[0213] In an exemplary embodiment, a computer-readable storage medium is further provided. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the resource transfer method in the embodiment of the present disclosure.

[0214] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0215] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A resource transfer method, characterized in that: include: Receiving a segmented resource transfer request from a target account, the segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of the target account, and provider information of a provider corresponding to the target object; generating at least one resource transfer scheme corresponding to the resource to be transferred; In response to the target account's selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the plurality of first resource deduction activities, a first target deduction activity is matched from the plurality of first resource deduction activities, and a first resource deduction amount corresponding to the first target deduction activity is determined, the first target deduction activity being the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is configured based on at least one of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information; In response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, the resources to be transferred are transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

2. The method according to claim 1, characterized in that: The method further comprises: Receive a first change instruction for any of the first resource deduction activities, the first change instruction including first configuration information to be changed in the preset activity configuration information corresponding to the any of the first resource deduction activities, the first configuration information to be changed including at least one of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer plan configuration information; Based on the first configuration information to be changed, the preset activity configuration information corresponding to any one of the first resource deduction activities is changed.

3. The method according to claim 1, characterized in that: The method further comprises: Based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset rule configuration information corresponding to each of the plurality of preset resource transfer rules, a target resource transfer rule is matched from the plurality of preset resource transfer rules, wherein the preset rule configuration information corresponding to any preset resource transfer rule is obtained based on at least one of the second object configuration information, the second account configuration information, the second provider configuration information, and the transfer rule configuration information; Based on the target resource transfer rule and the resources to be transferred, resource calculation is performed to obtain service resources. The service resources are the resources to be transferred by the provider to the activity party to which the first target deduction activity belongs after the resource transfer corresponding to the target object is completed.

4. The method according to claim 3, characterized in that: The method further comprises: receiving a second change instruction for any of the preset resource transfer rules, the second change instruction including second configuration information to be changed in the preset rule configuration information corresponding to the any of the preset resource transfer rules, the second configuration information to be changed including at least one of the second object configuration information, the second account configuration information, the second provider configuration information and the transfer rule configuration information; Based on the second configuration information to be changed, the preset rule configuration information corresponding to any preset resource transfer rule is changed.

5. The method according to claim 1, characterized in that: The plurality of first resource deduction activities include at least one first resource deduction activity corresponding to each preset channel in at least one preset channel. After receiving the segmented resource transfer request of the target account, the method further includes: Based on the object information, the account information, the provider information, the preset activity configuration information corresponding to each preset channel and the plurality of first resource deduction activities, a second target deduction activity corresponding to each preset channel is matched from at least one first resource deduction activity corresponding to each preset channel, and a second resource deduction amount corresponding to the second target deduction activity is determined, wherein the second target deduction activity is the activity with the largest deduction resource amount corresponding to each preset channel; The second resource deduction amount is sent to the terminal corresponding to the target account, so that the terminal displays the second resource deduction amount corresponding to each preset channel.

6. The method according to claim 5, characterized in that: The method further comprises: In response to a second resource transfer confirmation instruction triggered by the target account based on a second resource deduction amount corresponding to a target channel in the at least one preset channel, the resource to be transferred is transferred from resources corresponding to the activity party to which the second target deduction activity belongs and resources corresponding to the target account to resources corresponding to the provider based on the second resource deduction amount corresponding to the target channel; The target channel is any preset channel among the at least one preset channel.

7. The method according to claim 1, characterized in that: The method further comprises: Acquire a preset region code of the provider, and if the preset region code is a region code of a region where a preset transfer agency is located, determine a third resource deduction amount based on a second resource deduction activity of the preset transfer agency; In response to the first resource transfer confirmation instruction triggered by the target account, based on the first resource deduction amount, transferring the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider includes: In response to the first resource transfer confirmation instruction, based on the first resource deduction amount and the third resource deduction amount, the resources to be transferred are transferred from the resources corresponding to the preset transfer agency, the resources corresponding to the activity party to which the first target deduction activity belongs, and the resources corresponding to the target account to the resources corresponding to the provider.

8. A resource transfer method, characterized in that: include: Sending a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object to a server, so that the server generates at least one resource transfer scheme corresponding to the resource to be transferred; In case of receiving at least one resource transfer scheme corresponding to the resource to be transferred sent by the server, displaying a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred; In the case where it is detected that the target account triggers a selection instruction for a target resource transfer scheme in the at least one resource transfer scheme, the selection instruction is sent to the server, so that the server matches a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information; In case of receiving the first resource deduction amount sent by the server, displaying a resource transfer application page including the first resource deduction amount; When it is detected that the target account has triggered the first resource transfer confirmation instruction on the resource transfer application page, the first resource transfer confirmation instruction is sent to the server, so that the server transfers the resources to be transferred to the resources corresponding to the provider from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account based on the first resource deduction amount.

9. An online installment payment device, characterized in that: include: A segmented resource transfer request module, configured to receive a segmented resource transfer request from a target account, wherein the segmented resource transfer request includes object information of a target object corresponding to the resource to be transferred, account information of the target account, and provider information of a provider corresponding to the target object; A resource transfer scheme generating module, used to generate at least one resource transfer scheme corresponding to the resource to be transferred; A first resource deduction amount determination module is used to respond to the target account's selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, match a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme, and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determine the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information, and the transfer scheme configuration information; A resource transfer module is used to respond to the first resource transfer confirmation instruction triggered by the target account, and based on the first resource deduction amount, transfer the resources to be transferred from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account to the resources corresponding to the provider.

10. An online installment payment device, characterized in that: include: A segmented resource transfer request sending module, configured to send a segmented resource transfer request including object information of a target object corresponding to the resource to be transferred, account information of a target account, and provider information of a provider corresponding to the target object to the server, so that the server generates at least one resource transfer scheme corresponding to the resource to be transferred; a channel support page display module, configured to display a channel support page including at least one resource transfer scheme corresponding to the resource to be transferred upon receiving at least one resource transfer scheme corresponding to the resource to be transferred sent by the server; A selection instruction sending module is used to send the selection instruction to the server when it is detected that the target account triggers the selection instruction for the target resource transfer scheme in the at least one resource transfer scheme, so that the server matches a first target deduction activity from the multiple first resource deduction activities based on the object information, the account information, the provider information, the target resource transfer scheme and the preset activity configuration information corresponding to each of the multiple first resource deduction activities, and determines the first resource deduction amount corresponding to the first target deduction activity, wherein the first target deduction activity is the activity with the largest deduction resource amount corresponding to the target resource transfer scheme; the preset activity configuration information corresponding to any first resource deduction activity is obtained based on at least one configuration information of the first object configuration information, the first account configuration information, the first provider configuration information and the transfer scheme configuration information; a resource transfer application page display module, configured to display a resource transfer application page including the first resource deduction amount upon receiving the first resource deduction amount sent by the server; The first resource transfer confirmation instruction sending module is used to send the first resource transfer confirmation instruction to the server when detecting that the first resource transfer confirmation instruction is triggered by the target account on the resource transfer application page, so that the server transfers the resources to be transferred to the resources corresponding to the provider from the resources corresponding to the activity party to which the first target deduction activity belongs and the resources corresponding to the target account based on the first resource deduction amount.

11. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the resource transfer method according to any one of claims 1 to 8.

Images