Resource processing method and device

Abstract

The invention provides a resource processing method and device, and the method comprises the steps: starting from a resource request for the resource circulation operation of a resource object in a processing process of the resource object, carrying out the resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template, and obtaining a resource accumulation amount, the historical resource accumulative amount of the resource object is updated based on the resource accumulative amount, the updated historical resource accumulative amount can be obtained through resource accumulative processing carried out through cooperation of a resource scheduling system and a bill system, and on this basis, resource revenue detection can be carried out after resource circulation of the resource object is completed; therefore, resource accumulation processing and resource income detection of the resource object are realized.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and particularly to a resource processing method and apparatus. Background Art

[0002] With the continuous development and popularization of the Internet, the application scope of various online services provided based on the Internet is getting wider and wider. For example, resource services for resource transfer provided through application programs. The resource transfer through resource services is accepted by more and more users due to its advantages of convenience, speed, and real-time. However, as the number of users performing resource transfer processing in application programs increases, the generated user data is also increasing, and various problems that follow have become the focus of attention of all parties. Summary of the Invention

[0003] One or more embodiments of the present invention provide a resource processing method, which is applied to a resource detection system. The method includes: obtaining a resource request created for a resource transfer operation of a resource object performed on a resource processing system; in response to the resource request, performing resource cumulative processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource cumulative amount; and updating the historical resource cumulative amount of the resource object based on the resource cumulative amount for resource revenue detection after the resource transfer of the resource object is completed. Wherein, the historical resource cumulative amount is obtained by the resource scheduling system and the billing system cooperating to perform a resource cumulative task.

[0004] One or more embodiments of the present invention provide a resource processing apparatus, which runs on a resource detection system. The apparatus includes: a request obtaining module configured to obtain a resource request created for a resource transfer operation of a resource object performed on a resource processing system; a cumulative processing module configured to, in response to the resource request, perform resource cumulative processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource cumulative amount; and an updating module configured to update the historical resource cumulative amount of the resource object based on the resource cumulative amount for resource revenue detection after the resource transfer of the resource object is completed. Wherein, the historical resource cumulative amount is obtained by the resource scheduling system and the billing system cooperating to perform a resource cumulative task.

[0005] One or more embodiments of the present invention provide a resource processing device, including: a processor; and a memory configured to store computer-executable instructions, the computer-executable instructions, when executed, cause the processor to: obtain a resource request created for a resource transfer operation of a resource object executed for a resource processing system. In response to the resource request, perform resource accumulation processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount. Update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed. Wherein, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource accumulation task.

[0006] One or more embodiments of the present invention provide a computer-readable storage medium for storing computer-executable instructions, the computer-executable instructions, when executed, implement the following process: obtain a resource request created for a resource transfer operation of a resource object executed for a resource processing system. In response to the resource request, perform resource accumulation processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount. Update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed. Wherein, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource accumulation task. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate the technical solutions in one or more embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments recorded in the present invention. For those of ordinary skill in the art, without creative efforts, other drawings can also be obtained based on these drawings; Figure 1 It is a schematic diagram of an implementation environment of a resource processing method provided by one or more embodiments of the present invention; Figure 2 It is a processing flowchart of a resource processing method provided by one or more embodiments of the present invention; Figure 3 It is a processing flowchart of a resource processing method applied to a fund borrowing scenario provided by one or more embodiments of the present invention; Figure 4 It is a schematic diagram of an embodiment of a resource processing device provided by one or more embodiments of the present invention; Figure 5 It is a schematic structural diagram of a resource processing device provided by one or more embodiments of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0008] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of the present invention, the following will clearly and completely describe the technical solutions in one or more embodiments of the present invention with reference to the accompanying drawings in one or more embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. Based on one or more embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this document.

[0009] The resource processing method provided in one or more embodiments of the present invention is applicable to the implementation environment of a resource detection platform. Referring to Figure 1 , this implementation environment at least includes: A resource detection system 101, a resource scheduling system 102, and a billing system; Among them, the resource detection system 101 is used to perform resource accumulation processing on the resource transfer operations of resource objects. The resource accumulation processing specifically includes resource accumulation amount calculation and update, and resource revenue detection based on the resource accumulation amount; The resource scheduling system 102 is used to cooperate with the billing system to calculate and update the resource accumulation amount of the resource transfer operations of resource objects. Among them, the resource scheduling system 102 is used to create a resource accumulation task for calculating and updating the resource accumulation amount and allocate it to the billing system. The billing system is used to execute the resource accumulation task allocated by the resource scheduling system 102, and calculate and update the resource accumulation amount of resource objects by means of task execution. The number of billing systems can be multiple: billing system 103-1,..., billing system 103-N; In addition, this implementation environment may further include a resource processing system 104, a scheduling database 105 of the resource scheduling system 102, and an online database 106 of the resource processing system 104; among them, the resource processing system 104 is used to execute the resource transfer operations of resource objects, the scheduling database 105 is used to store the resource data of the resource accounts for calculating and updating the resource accumulation amount, and the online database 106 is used to store the resource data of each resource account for performing resource transfer operations.

[0010] In this implementation environment, during the process of resource accumulation processing for resource objects, on the one hand, the resource request created for the resource transfer operation of the resource object executed by the resource detection system 101 is obtained, and the resource accumulation processing of the resource object in the corresponding time interval is performed according to the resource processing template to obtain the resource accumulation amount, and the historical resource accumulation amount of the resource object is updated based on the obtained resource accumulation amount. On the other hand, the resource scheduling system 102 cooperates with the billing system to execute the resource accumulation task to obtain the historical resource accumulation amount. In this way, through the cooperation of the two methods, the calculation and update of the resource accumulation amount of the resource object can be carried out, and a more accurate and effective resource accumulation amount can be obtained, so that the resource income detection of the resource object based on the obtained resource accumulation amount is more effective and comprehensive.

[0011] It should be noted that considering that the resource objects and related data involved in the specification may belong to the privacy of the applicant to a certain extent, therefore, if you want to collect resource objects and related data, you can obtain the user's authorization before collecting the data to make the operation of collecting data comply with relevant data management regulations. For example, you can obtain the user's authorization before collecting resource objects and related data. The specific method of data authorization can be to send a data authorization reminder to the user. After the user confirms the reminder through an instruction, the data collection authorization can be obtained. Or, the data authorization method can also be to obtain the data collection authorization by signing a data authorization agreement.

[0012] One or more embodiments of a resource processing method provided by the present invention are as follows: Refer to Figure 2 , the resource processing method provided in this embodiment can be applied to a resource detection system, and the method specifically includes steps S202 to S206.

[0013] Step S202, obtain the resource request created for the resource transfer operation of the resource object executed by the resource processing system.

[0014] The resource object in this embodiment refers to a transfer object, a resource object, or a resource product for resource transfer. Resource transfer can be the return or repayment of resources for an already made resource borrowing, or the return or repayment of resources for an already made resource lending, or, it can also be the return or repayment of resources for an already made resource expenditure. Correspondingly, the resource object can be a resource return object for resource return, or a resource repayment object for resource repayment; at the level of resource data, the resource object can be an IOU object, a resource IOU object, or an IOU for resource borrowing.

[0015] Optionally, the resource object includes a resource return object that returns resources to the resource provider after resource borrowing, resource lending, or resource disbursement; at the resource data level, the resource object may include an IOU object created after resource borrowing, resource lending, or resource disbursement from the resource provider.

[0016] Specifically, the resource provider refers to the resource provider that provides resource borrowing, resource lending, or resource disbursement. Specifically, the resource provider can be a fund provider or a fund borrower that provides fund borrowing, or can also be a resource provider that provides other types of resource borrowing, such as a resource provider that provides virtual resources or valuable resource borrowing; the entity borrowing resources from the resource provider can be a user. During the process of borrowing resources from the resource provider, the user can conduct credit lending based on the user's credit or mortgage borrowing based on the collateral. In addition, the entity borrowing resources from the resource provider can also be an institution. During the process of borrowing resources from the resource provider, the institution can also conduct credit lending based on the institution's credit or mortgage borrowing based on the collateral.

[0017] After borrowing resources from the resource provider, corresponding resource returns need to be made to the resource provider. Specifically, resource returns can be made to the resource provider within a specified time interval. During this time interval, resource transfers or operations related to resource transfers of the resource object may occur, and these operations may trigger changes in the account movements of the resource object. Here, the resource transfers or operations related to resource transfers are referred to as resource transfer operations (account movement operations or resource account movement operations). Specifically, resource transfer operations include posting operations, repayment operations, interest accrual operations, account adjustment operations, and / or interest settlement operations.

[0018] In specific implementation, a resource request for a resource transfer operation can be created when a resource transfer operation for the resource object is detected. Specifically, the resource detection system can create a resource request for the resource transfer operation. Optionally, the resource request is created when an operation request for the resource transfer operation synchronized by the resource processing system is received; in addition, the resource request can also be created by the resource processing system and synchronized to the resource detection system. Correspondingly, obtaining the resource request created for the resource transfer operation of the resource object executed by the resource processing system can be replaced with: obtaining the resource request created and synchronized by the resource processing system for the resource transfer operation of the resource object.

[0019] Among them, the resource processing system that performs resource transfer operations can specifically be a resource transfer system, a resource borrowing system, or a processing system that conducts credit borrowing processing (credit processing system or credit borrowing system); during the processing of resource transfer operations, the resource processing system first generates an operation request for the resource transfer operation and synchronizes the operation request to the resource detection system. Correspondingly, when the resource detection system receives the operation request for the resource transfer operation synchronized by the resource processing system, it creates a resource request for the resource transfer operation.

[0020] In practical applications, in the resource borrowing scenario, it is necessary to ensure that the resource income generated by resource borrowing does not exceed the specified upper limit. For example, when a user borrows funds from a fund provider and then repays the funds to the fund provider, not only the borrowed funds (principal) need to be repaid, but also additional funds need to be repaid to the fund provider. This part of the additional funds includes interest and / or handling fees. From the perspective of the fund provider, this part of the additional funds is actually the resource income obtained by the fund provider after the funds are borrowed. In view of this, to ensure that the resource income generated by resource borrowing does not exceed the specified upper limit, in this embodiment, resource income detection is used to ensure that the income generated by resource borrowing does not exceed the specified upper limit. Specifically, during the resource income detection process, first, resource accumulation processing is used to determine the change in the resource amount of the resource object in real time, and based on this resource accumulation processing, the resource income detection of the resource object is carried out.

[0021] During the specific execution process, to make the real-time performance of the resource accumulation processing for the resource transfer operation of the resource object higher, before the resource processing system executes the resource transfer operation, the resource processing system can synchronize the operation request for the resource transfer operation to the resource detection system, and the resource detection system creates a resource request for the resource transfer operation, that is, creates a resource request (preposed resource request) for resource accumulation processing before the execution of the resource transfer operation. In this case, the resource accumulation processing process in response to the resource request is executed before the execution process of the resource transfer operation, so that the real-time performance and accuracy of the resource accumulation processing of the resource object can be ensured through the preposed resource accumulation processing; In addition, to improve the processing efficiency of the resource transfer operation and ensure the real-time performance of the processing response, the resource accumulation processing process in response to the resource request and the execution process of the resource transfer operation can also be executed in parallel. Optionally, the resource accumulation processing process in response to the resource request and the execution process of the resource transfer operation are synchronously processed in a parallel processing manner. For example, the resource accumulation processing process in response to the resource request is executed in the detection thread of the resource detection system, and the execution process of the resource transfer operation is executed in the processing thread of the resource processing system.

[0022] During specific implementation, after obtaining a resource request created for a resource transfer operation on a resource object and before performing the following resource accumulation processing, it is also possible to detect whether the current resource transfer operation meets the processing conditions for resource accumulation processing, and only perform resource accumulation processing on the resource transfer operations that meet the processing conditions, so as to improve the effectiveness of resource accumulation processing. The processing conditions can be: the resource attribute of the resource object is a preset attribute, and / or, there is no processing record for resource accumulation processing in the time unit where the resource transfer operation is located; During the specific execution process, on the one hand, it is possible to detect whether the current resource transfer operation meets the processing conditions for resource accumulation processing by detecting whether the resource attribute of the resource object is a preset attribute. On the other hand, it is also possible to detect whether it is necessary to perform resource accumulation processing on the current resource transfer operation by detecting whether there is a processing record for resource accumulation processing in the time unit where the current resource transfer operation is located.

[0023] Specifically, in an optional implementation manner provided in this embodiment, after obtaining a resource request created for a resource transfer operation, the following operations are performed: Detect whether the resource attribute of the resource object is a preset attribute; if not, no processing is required, or a reminder message is returned to the resource processing system; If so, determine whether there is a processing record for resource accumulation processing in the time unit where the resource transfer operation is located. If not, perform the following operation of obtaining the resource accumulation amount by performing resource accumulation processing on the resource object in the corresponding time interval according to the resource processing template; if there is, no processing is required, or a reminder message is returned to the resource processing system.

[0024] Among them, the resource attribute refers to the attribute of the resource object, which can specifically be the borrowing type or lending type of the resource object, or the resource attribute of the borrowed resource corresponding to the resource object, or, it can also be the borrowing type or lending type of the promissory note object, or, it can also be the resource attribute of the borrowed resource corresponding to the promissory note object. The time unit refers to the time unit, time slice, time period, or time granularity for resource accumulation processing. For example, the time unit can be one day or one week.

[0025] The preset attributes refer to the resource attributes set in advance. Optionally, the preset attributes include the attributes of calculating resource income according to the resource income rule and returning resources according to the preset periods. For example, the resource attributes of the IOU object are: calculating resource income according to the resource interest rate rule and returning resources to the resource provider in multiple periods. In addition, the preset attributes can also be the attribute that the resource return method is to return in installments and the resource return amount in each period is equal. For example, the resource attributes of the IOU object are: returning resources to the resource provider in multiple periods and the resource return amount returned in each period is equal. The resource return amount may include the borrowed funds and returning additional resources to the fund provider. This part of the additional resources includes the interest resources and handling fee resources obtained by calculating according to the interest rate.

[0026] Step S204, in response to the resource request, perform resource accumulation processing on the resource object in the corresponding time interval according to the resource processing template to obtain the resource accumulation amount.

[0027] In specific implementation, based on obtaining the resource request created for the resource transfer operation, in response to the resource request, perform resource accumulation processing on the resource object. Here, the resource accumulation processing performed on the resource object includes performing resource accumulation processing on the resource object in the corresponding time interval to obtain the resource accumulation amount. Among them, during the process of performing resource accumulation processing, the resource accumulation processing on the resource object in the corresponding time interval can also be performed according to the resource processing template to obtain the resource accumulation amount.

[0028] Resource accumulation processing refers to accumulating and calculating the relevant resource amounts (such as the amount of resources to be returned) of the resource object to obtain the accumulated amount of the resource object, and this accumulated amount is the resource accumulation amount. Since various resource transfer operations (transaction operations) may occur in the actual resource borrowing scenario, these resource transfer operations may cause changes in the relevant resource amounts of the resource object. Therefore, to make the accumulated calculation of the resource accumulation amount more accurate, on the one hand, accumulate and calculate the amount of resources to be returned of the resource object according to the time interval, and at the same time perform the accumulated calculation according to the resource processing template, so as to ensure the real-time and effectiveness of the resource accumulation amount obtained by the resource accumulation processing.

[0029] The resource processing template refers to the calculation template relied on for accumulating and calculating the amount of resources to be returned of the resource object. This calculation template can specifically be a calculation strategy, calculation rule, or calculation algorithm. Or, the resource processing template can also be a resource processing strategy, resource processing rule, or resource processing algorithm.

[0030] During the specific execution process, when performing the resource cumulative processing of the resource object in the corresponding time interval according to the resource processing template, the resource cumulative processing for the interval between two fund transfer operations of the resource object can be carried out according to the resource processing template. Specifically, the resource cumulative calculation is performed for each time unit within the interval, so as to determine the change of the relevant resource amount (such as the amount of resources to be repaid) of the resource object between the two fund transfer operations through fine-grained cumulative calculation; Specifically, in an optional implementation manner provided in this embodiment, obtaining the resource cumulative amount by performing the resource cumulative processing of the resource object in the corresponding time interval according to the resource processing template includes: performing cumulative calculation on the amount of resources to be repaid for each time unit of the resource object within the corresponding time interval to obtain the resource cumulative amount. Optionally, the corresponding time interval includes the interval time interval between the resource transfer operation and the previous resource transfer operation.

[0031] Here, the interval time interval between the resource transfer operation and the previous resource transfer operation specifically refers to the interval time interval between the operation time of the resource transfer operation and the operation time of the previous resource transfer operation (the previous operation time). Performing cumulative calculation on the amount of resources to be repaid for each time unit of the resource object within the corresponding time interval may be to calculate the amount of resources to be repaid of the resource object in each time unit and accumulate the amounts of resources to be repaid of all time units within the corresponding time interval to obtain the resource cumulative amount.

[0032] In this embodiment, in addition to the above-mentioned method of performing the resource cumulative processing of the resource object in the corresponding time interval according to the resource processing template, the resource cumulative processing of the resource object can also be carried out through the cooperation of the resource scheduling system and the billing system. Specifically, during the process of the resource scheduling system and the billing system cooperating to perform the resource cumulative processing, the resource cumulative processing can be carried out by creating a resource cumulative task by the resource scheduling system and allocating it to the billing system, and the billing system executing the allocated resource cumulative task, that is, the resource cumulative processing is carried out by the resource scheduling system and the billing system cooperating to execute the resource cumulative task.

[0033] Specifically, in an optional implementation manner provided in this embodiment, the resource scheduling system and the billing system cooperate to execute the resource cumulative task, including: Creating a resource cumulative task for the resource object under each resource account in the scheduling database through the resource scheduling system; Allocating the created resource cumulative task to the billing system in the billing system cluster through the resource scheduling system, and the billing system executes the allocated resource cumulative task.

[0034] Among them, the resource scheduling system is used to create a resource accumulation task for calculating and updating the resource accumulation amount and allocate it to the billing system; the billing system is used to execute the resource accumulation task allocated by the resource scheduling system, and calculate and update the resource accumulation amount of the resource object by means of task execution; the scheduling database is used to store the resource data of the resource accounts for calculating and updating the resource accumulation amount.

[0035] The resource accumulation task refers to a task for resource accumulation processing. Specifically, the resource accumulation task is used to calculate the resource accumulation amount and update the stored historical resource accumulation amount according to the calculated resource accumulation amount; to improve the processing efficiency of the resource scheduling system and the billing system in cooperating to execute the resource accumulation task, the resource accumulation task can be an asynchronous processing task for resource accumulation processing. In this case, after the asynchronous processing task is allocated to different billing systems, it can be executed in an asynchronous processing manner in the billing system, so as to improve the processing efficiency of the resource scheduling system and the billing system in cooperating to perform resource accumulation processing.

[0036] Each resource account in the scheduling database refers to the resource account to which the resource object to be processed for resource accumulation stored in the scheduling database belongs. Specifically, it can be the user resource account of the user who borrows resources from the resource provider; after the user borrows resources from the resource provider, the user needs to return the resources to the resource provider. Here, the resource account can also be the resource account for the user to return resources to the resource provider, or it can also be the resource account of the user associated or bound with the promissory note object; in addition, each resource account in the scheduling database can be the institutional resource account of the institution. After the institution borrows resources from the resource provider, the institution needs to return the resources to the resource provider. Here, the resource account can also be the resource account for the institution to return resources to the resource provider, or it can also be the resource account of the institution associated or bound with the promissory note object.

[0037] In an optional implementation manner provided in this embodiment, each resource account in the scheduling database is determined in the following manner: Obtain the resource data of each resource account in the online database of the resource processing system and synchronize it to the offline data table; Based on the resource data recorded in the offline data table, screen the resource accounts that meet the resource processing conditions for resource accumulation processing in each resource account of the offline data table; Synchronize the resource data of the screened resource accounts to the scheduling database.

[0038] During the specific execution process, the online database is used to store the resource data of each resource account for resource transfer operations; the resource processing condition can be that the time interval between the previous resource transfer operation of the resource object and the current time is greater than the time threshold, or that the time interval between the previous cumulative resource task of the resource object and the current time is greater than the time threshold. Based on this, in an optional implementation provided in this embodiment, screening the resource accounts that meet the resource processing conditions for resource accumulation processing in each resource account of the offline data table includes: detecting whether the time interval between the previous resource transfer operation of the resource object under each resource account of the offline data table and the current time is greater than the time threshold. If so, taking the resource accounts with a time interval greater than the time threshold as the resource accounts that meet the resource processing conditions; or, detecting whether the time interval between the previous cumulative resource task of the resource object under each resource account of the offline data table and the current time is greater than the time threshold. If so, taking the resource accounts with a time interval greater than the time threshold as the resource accounts that meet the resource processing conditions. Here, the time interval between the previous resource transfer operation and the current time specifically refers to the time interval between the operation time of the previous resource transfer operation (the previous operation time) and the current time; the time interval between the previous cumulative resource task and the current time specifically refers to the time interval between the task time of the previous cumulative resource task (the previous task time) and the current time.

[0039] During the specific implementation, during the process of the billing system executing the cumulative resource task, in order to improve the accuracy and effectiveness of the billing system's resource accumulation processing by executing the cumulative resource task, the cumulative resource task can be detected. Specifically, it is to detect whether the resource object targeted by the cumulative resource task meets the resource accumulation conditions for resource accumulation processing. For the resource objects that meet the resource accumulation conditions, the resource accumulation processing of the resource objects is performed by executing the cumulative resource task. Among them, the resource accumulation conditions can be that the time interval between the previous resource transfer operation of the resource object and the current time is greater than the time threshold, or that the time interval between the previous cumulative resource task of the resource object and the current time is greater than the time threshold.

[0040] In an optional implementation provided in this embodiment, executing the assigned cumulative resource task includes: Detecting whether the resource object under the resource account corresponding to the assigned cumulative resource task meets the resource accumulation conditions for resource accumulation processing; If so, performing the resource accumulation processing of the resource object in the corresponding time interval according to the resource processing template, and updating the stored historical resource accumulation amount according to the obtained resource accumulation amount; If not, no processing is required, or the task status of the cumulative resource task is updated to the executed status.

[0041] Among them, the corresponding time interval can be the time interval between the current resource cumulative task and the previous resource transfer operation, or the time interval between the current resource cumulative task and the previous resource cumulative task. Here, the time interval between the current resource cumulative task and the previous resource transfer operation specifically refers to the time interval between the task time of the current resource cumulative task (current task time) and the operation time of the previous resource transfer operation (previous operation time). The time interval between the current resource cumulative task and the previous resource cumulative task specifically refers to the time interval between the task time of the current resource cumulative task and the task time of the previous resource cumulative task (previous task time).

[0042] The resource cumulative condition can be that the time interval between the previous resource transfer operation of the resource object and the current time is greater than the duration threshold, or that the time interval between the previous resource cumulative task of the resource object and the current time is greater than the duration threshold. In this case, to detect whether the resource object under the resource account corresponding to the resource cumulative task meets the resource cumulative condition for resource cumulative processing, specifically, it is to detect whether the time interval between the previous resource transfer operation of the resource object under the resource account corresponding to the resource cumulative task and the current time is greater than the duration threshold, or to detect whether the time interval between the previous resource cumulative task of the resource object under the resource account corresponding to the resource cumulative task and the current time is greater than the duration threshold.

[0043] As described above, on the one hand, this embodiment performs resource cumulative processing on the resource object in response to the resource request created for the resource transfer operation. On the other hand, it can perform resource cumulative processing on the resource object through the cooperation of the resource scheduling system and the billing system. In the process of performing resource cumulative processing on the resource object by these two methods, the resource cumulative amount of the resource object in the corresponding time interval can be obtained according to the resource processing template. On this basis, the resource processing template can be a template, strategy, or rule for performing resource cumulative processing on the time interval between two posting operations of the resource object. Specifically, it is to perform resource cumulative calculation on each time unit within the time interval, so as to determine the change situation of the relevant resource amount (such as the amount of resources to be repaid) of the resource object between two posting operations through fine-grained cumulative calculation. Specifically, in an optional implementation manner provided in this embodiment, obtaining the resource cumulative amount by performing resource cumulative processing on the resource object in the corresponding time interval according to the resource processing template includes: Determine the corresponding time interval according to the time unit in which the resource cumulative task executed in cooperation with the resource scheduling system and the billing system is located, and the time unit in which the resource transfer operation is located. Perform cumulative calculation on the amount of resources to be repaid for each time unit of the resource object in the corresponding time interval to obtain the resource cumulative amount.

[0044] In the specific execution process, when determining the corresponding time interval based on the time unit where the resource accumulation task is located and the time unit where the resource transfer operation is located, the interval time interval between the time unit where the resource accumulation task is located and the time unit where the resource transfer operation is located can be used as the corresponding time interval.

[0045] Step S206, update the historical resource accumulation amount of the resource object based on the resource accumulation amount, so as to be used for resource income detection after the resource transfer of the resource object is completed.

[0046] After the above-mentioned resource accumulation process of the resource object in the corresponding time interval is obtained according to the resource processing template in response to the resource request, here, the historical resource accumulation amount of the resource object is updated based on the resource accumulation amount, so as to realize the cumulative calculation of the amount of resources to be returned of the resource object through the resource accumulation process and update of the resource object; among them, the historical resource accumulation amount refers to the resource accumulation amount obtained after pre-performing the resource accumulation process and updating. It can be seen from this cumulative calculation and update method that the historical resource accumulation amount can be the total cumulative calculation amount of the amount of resources to be returned accumulated by the resource object before the current resource transfer operation (the cumulative amount of resources to be returned); in this case, the historical resource accumulation amount can also be referred to as the preset resource accumulation amount, the stored resource accumulation amount or the pre-stored resource accumulation amount.

[0047] Optionally, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute the resource accumulation task.

[0048] As described above, on the one hand, this embodiment responds to the resource request created for the resource transfer operation to perform the resource accumulation process of the resource object, and on the other hand, it can perform the resource accumulation process of the resource object through the cooperation of the resource scheduling system and the billing system. In the process of performing the resource accumulation process of the resource object by these two methods, the resource accumulation process of the resource object in the corresponding time interval can be obtained according to the resource processing template. Therefore, the historical resource accumulation amount can be the resource accumulation amount obtained by performing the resource accumulation process in response to the resource request created for the previous resource transfer operation of the resource object, or the resource accumulation amount obtained by the cooperation of the resource scheduling system and the billing system to perform the resource accumulation process; correspondingly, the historical resource accumulation amount includes: the resource accumulation amount obtained by the resource scheduling system and the billing system cooperating to execute the resource accumulation task, the historical resource accumulation amount obtained by updating the stored historical resource accumulation amount, or the resource accumulation amount obtained by the resource detection system performing the resource accumulation process in response to the resource request, and the historical resource accumulation amount obtained by updating the stored historical resource accumulation amount.

[0049] In specific implementation, on the one hand, the stored historical resource accumulation amount can be updated based on the resource accumulation amount obtained through resource accumulation processing. On the other hand, the stored historical resource accumulation amount can also be updated based on the resource accumulation amount obtained through the cooperation of the resource scheduling system and the billing system for resource accumulation processing. In this way, the cumulative calculation of the amount of resources to be returned for the resource object is realized through the resource accumulation processing and update of the resource object. Finally, the historical resource accumulation amount obtained when the resource return of the resource object is completed is the total amount of the resources to be returned accumulated by the resource object in the previous time period (the cumulative amount of resources to be returned). Further, resource revenue detection can be performed based on the historical resource accumulation amount at this time to ensure that the resource revenue generated by resource borrowing in the resource borrowing scenario does not exceed the specified upper limit.

[0050] Specifically, in an alternative implementation manner provided in this embodiment, the resource revenue detection is implemented in the following way: Calculate the resource revenue threshold according to the historical resource accumulation amount stored after the resource transfer is completed and the revenue index threshold corresponding to the resource object; Detect whether the actual resource revenue amount of the resource object is greater than the resource revenue threshold. If so, perform resource return processing on the user resource account associated with the resource object, or perform resource return processing on the institutional resource account associated with the resource object; if not, no processing is required.

[0051] Among them, the actual resource revenue amount is calculated based on the operation record of the resource transfer operation of the resource object. For example, read the resource revenue amount in the operation record of the resource transfer operation of the resource object and accumulate it to obtain the actual resource revenue amount; in the calculation process of the resource revenue threshold, the historical resource accumulation amount of the resource object stored after the resource transfer of the resource object is completed can be read, and the resource revenue threshold can be calculated according to the read historical resource accumulation amount and the revenue index threshold; among them, the revenue index threshold is a threshold used to ensure that the resource revenue generated by resource borrowing does not exceed the specified upper limit, and this revenue index threshold can be the interest rate of the resource object, such as the annual interest rate, monthly interest rate or daily interest rate generated by borrowing funds.

[0052] Further, in the process of ensuring that the resource revenue generated by resource borrowing in the resource borrowing scenario does not exceed the specified upper limit through resource revenue detection, if it is detected that the resource revenue has exceeded the upper limit, resource return is performed to the user through resource return processing, so that the resource revenue of the resource object is within the specified upper limit range after the resource return. Specifically, in an alternative implementation manner provided in this embodiment, performing resource return processing on the user resource account associated with the resource object includes: calculating the resource return amount according to the resource revenue threshold and the actual resource revenue amount; transferring the return resources corresponding to the resource return amount to the user resource account; In addition, in another alternative implementation provided in this embodiment, the resource return process for the institutional resource account associated with the resource object includes: calculating the resource return amount according to the resource income threshold and the actual resource income amount; transferring the return resources corresponding to the resource return amount to the institutional resource account.

[0053] In summary, for the resource processing method provided in this embodiment, during the resource processing of the resource object, on the one hand, in response to the resource request created for the resource transfer operation of the resource object, the resource accumulation process of the resource object in the corresponding time interval is performed according to the resource processing template to obtain the resource accumulation amount, and the historical resource accumulation amount of the resource object is updated based on the resource accumulation amount, so as to realize the resource accumulation calculation of the resource object through the resource accumulation process and update of the resource object. On the other hand, the resource accumulation process of the resource object can also be carried out by means of the cooperation between the resource scheduling system and the billing system to execute the resource accumulation task. By combining the two methods to perform the resource accumulation process and update of the resource object, not only the accuracy of the resource accumulation process of the resource object is improved, but also the effectiveness and real-time nature of the obtained historical resource accumulation amount are higher. Furthermore, the resource income threshold can be calculated according to the historical resource accumulation amount stored after the resource transfer is completed and the income index threshold corresponding to the resource object. When it is detected that the actual resource income amount of the resource object is greater than the resource income threshold, a resource return process is carried out for the user resource account associated with the resource object, so as to ensure that the resource income generated in the resource borrowing scenario does not exceed the specified upper limit.

[0054] The following takes the application of a resource processing method provided in this embodiment in the fund borrowing scenario as an example, in combination with Figure 3 , to further illustrate the resource processing method provided in this embodiment. Refer to Figure 3 , the resource processing method applied to the fund borrowing scenario specifically includes the following steps.

[0055] Step S302, create a fund request according to the operation request of the fund transfer operation of the fund note synchronized by the resource processing system.

[0056] Step S304, in response to the fund request, detect whether the fund attribute of the fund note is a preset attribute; If so, execute step S306; If not, no processing is required, or a reminder message is returned to the resource processing system.

[0057] Step S306, determine whether there is a processing record for fund accumulation processing in the time unit where the fund transfer operation is located; If not, execute steps S308 to S314; If it exists, no processing is required, or a reminder message is returned to the resource processing system.

[0058] Step S308: Perform cumulative processing of funds for the fund IOU within the corresponding time interval according to the fund processing template to obtain the cumulative fund amount.

[0059] Step S310: Update the historical cumulative fund amount of the fund IOU based on the cumulative fund amount.

[0060] Step S312: If the fund repayment of the fund IOU is completed, calculate the fund income threshold according to the historical cumulative fund amount stored after the repayment is completed and the income index threshold corresponding to the fund IOU.

[0061] Optionally, the historical cumulative fund amount is obtained by the resource scheduling system and the billing system cooperating to execute the fund cumulative task.

[0062] Step S314: Detect whether the actual fund income amount of the fund IOU is greater than the fund income threshold; If so, execute Step S316; If not, no processing is required.

[0063] Step S316: Perform fund return processing on the user fund account associated with the fund IOU.

[0064] It should be noted that any one step or any combination of multiple steps from Step S302 to Step S316 can be combined with any one step or any combination of multiple steps from the above Step S202 to Step S206 to form a new implementation method according to the needs of implementation and deployment; in addition, according to the actual deployment needs, any one or any combination of technical features from Step S302 to Step S316 can be combined with any one or more technical features provided by the above Step S202 to Step S206 to form a new implementation method; or, any one or any combination of technical features from Step S302 to Step S316 can also be replaced by any one or more technical feature combinations provided by the above Step S202 to Step S206 according to the actual deployment needs to form a new implementation method, which will not be elaborated here one by one.

[0065] An embodiment of a resource processing device provided by the present invention is as follows: In the above embodiment, a resource processing method is provided. Correspondingly, a resource processing device is also provided. The following is described with reference to the accompanying drawings.

[0066] Refer to Figure 4 , which shows a schematic diagram of an embodiment of a resource processing device provided in this embodiment.

[0067] Since the device embodiments correspond to the method embodiments, they are described relatively simply. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

[0068] This embodiment provides a resource processing device that runs in a resource detection system. The device includes: A request acquisition module 402, configured to acquire a resource request created for a resource transfer operation of a resource object executed by a resource processing system; An accumulation processing module 404, configured to, in response to the resource request, perform resource accumulation processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount; An update module 406, configured to update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed; Among them, the historical resource accumulation amount is obtained by a resource scheduling system and a billing system cooperating to execute a resource accumulation task.

[0069] An embodiment of a resource processing device provided by the present invention is as follows: Corresponding to the above-described resource processing method, based on the same technical concept, one or more embodiments of the present invention also provide a resource processing device. This resource processing device is used to execute the above-provided resource processing method. Figure 5 It is a schematic structural diagram of a resource processing device provided by one or more embodiments of the present invention.

[0070] A resource processing device provided by this embodiment includes: As Figure 5 shown, the resource processing device may vary greatly due to configuration or performance differences, and may include one or more processors 501 and a memory 502. One or more application programs or data may be stored in the memory 502. Among them, the memory 502 may be transient storage or persistent storage. The application programs stored in the memory 502 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the resource processing device. Further, the processor 501 may be set to communicate with the memory 502 and execute a series of computer-executable instructions in the memory 502 on the resource processing device. The resource processing device may further include one or more power supplies 503, one or more wired or wireless network interfaces 504, one or more input / output interfaces 505, one or more keyboards 506, etc.

[0071] In a specific embodiment, a resource processing device includes a memory and one or more programs. One or more of the programs are stored in the memory, and one or more of the programs may include one or more modules. Each module may include a series of computer-executable instructions in the resource processing device and is configured to be executed by one or more processors. The one or more programs include computer-executable instructions for performing the following: Obtain a resource request created for a resource transfer operation of a resource object executed by a resource processing system; In response to the resource request, perform resource accumulation processing on the resource object in a corresponding time period according to a resource processing template to obtain a resource accumulation amount; Update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed; Wherein, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource accumulation task.

[0072] An embodiment of a computer-readable storage medium provided by the present invention is as follows: Corresponding to the above-described resource processing method, based on the same technical concept, one or more embodiments of the present invention also provide a computer-readable storage medium.

[0073] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions, when executed, implement the following process: Obtain a resource request created for a resource transfer operation of a resource object executed by a resource processing system; In response to the resource request, perform resource accumulation processing on the resource object in a corresponding time period according to a resource processing template to obtain a resource accumulation amount; Update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed; Wherein, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource accumulation task.

[0074] It should be noted that the embodiment of the computer-readable storage medium in the present invention and the embodiment of the resource processing method in the present invention are based on the same inventive concept. Therefore, for the specific implementation of this embodiment, reference may be made to the implementation of the corresponding method described above, and repeated parts will not be elaborated.

[0075] An embodiment of a computer program product provided by the present invention is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of the present invention further provide a computer program product.

[0076] A computer program product includes computer programs / instructions, and when the computer programs / instructions are executed by a processor, the following steps are implemented: Obtain a resource request created for a resource transfer operation of a resource object executed by a resource processing system; In response to the resource request, perform resource accumulation processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount; Update the historical resource accumulation amount of the resource object based on the resource accumulation amount for resource revenue detection after the resource transfer of the resource object is completed; Wherein, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource accumulation task.

[0077] It should be noted that the embodiments of a computer program product in the embodiments of the present invention and the embodiments of a resource processing method in the embodiments of the present invention are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0078] The various embodiments of the present invention are all described in a progressive manner. The same or similar parts between the various embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, the equipment embodiment, the computer-readable storage medium embodiment, and the computer program product embodiment are all similar to the method embodiment, so the description is relatively simple. Please refer to the partial description of the method embodiment for the relevant content in the device embodiment, the equipment embodiment, the computer-readable storage medium embodiment, and the computer program product embodiment.

[0079] The specific embodiments of the present invention are described above. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be executed in a different order than in the embodiments and still achieve the desired results. Additionally, the processes depicted in the figures do not necessarily require the specific order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0080] In the 1930s, it was obvious to distinguish whether an improvement in a technology was a hardware improvement (e.g., improvement in circuit structures such as diodes, transistors, switches, etc.) or a software improvement (improvement in method processes). However, with the development of technology, many improvements in method processes today can be regarded as direct improvements in hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structures by programming the improved method processes into the hardware circuits. Therefore, it cannot be said that an improvement in a method process cannot be implemented with a hardware entity module. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logical function is determined by the user programming the device. Designers can program themselves to "integrate" a digital system on a single PLD without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compilers used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a Hardware Description Language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. Currently, the most commonly used ones are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be aware that by simply performing a little logical programming on the method process with the above-mentioned several hardware description languages and programming it into an integrated circuit, it is easy to obtain the hardware circuit that implements the logical method process.

[0081] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to make the controller implement the same function in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or the structures within the hardware component.

[0082] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0083] For the convenience of description, when describing the above devices, they are described separately as various units according to their functions. Of course, when implementing the embodiments of the present invention, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0084] Those skilled in the art should understand that one or more embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0085] This specification is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowchart and / or block diagram, and the combination of flows and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable resource processing devices to generate a machine, such that the instructions executed by the processor of the computer or other programmable resource processing devices generate a device for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 one or more of the blocks and implementing the functions specified therein.

[0086] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable resource processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including an instruction device that implements the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 one or more of the blocks and implementing the functions specified therein.

[0087] These computer program instructions can also be loaded onto a computer or other programmable resource processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 one or more of the blocks and implementing the functions specified therein.

[0088] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and a memory.

[0089] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory such as read-only memory (ROM) or flash RAM. The memory is an example of computer-readable media.

[0090] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0091] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0092] One or more embodiments of the present invention may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0093] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A resource processing method is applied to a resource detection system. The method includes: Obtaining a resource request created for a resource transfer operation of a resource object executed by a resource processing system; In response to the resource request, performing cumulative resource processing on the resource object in a corresponding time interval according to a resource processing template to obtain a resource cumulative amount; Updating the historical resource cumulative amount of the resource object based on the resource cumulative amount for resource revenue detection after the resource transfer of the resource object is completed; Wherein, the historical resource cumulative amount is obtained by the resource scheduling system and the billing system cooperating to execute a resource cumulative task.

2. According to the resource processing method described in claim 1, the cooperation between the resource scheduling system and the billing system to execute the resource cumulative task includes: Creating a resource cumulative task for a resource object under each resource account in a scheduling database through the resource scheduling system; Allocating the created resource cumulative task to the billing system in the billing system cluster through the resource scheduling system, and the billing system executes the allocated resource cumulative task.

3. According to the resource processing method described in claim 2, each resource account in the scheduling database is determined in the following manner: Obtaining resource data of each resource account in an online database of the resource processing system and synchronizing it to an offline data table; Based on the resource data recorded in the offline data table, screening resource accounts that meet the resource processing conditions for cumulative resource processing in each resource account of the offline data table; Synchronizing the resource data of the screened resource accounts to the scheduling database.

4. According to the resource processing method described in claim 1, after the step of obtaining the resource request created for the resource transfer operation of the resource object executed by the resource processing system and before the operation of performing cumulative resource processing on the resource object in a corresponding time interval according to the resource processing template, it further includes: Detecting whether the resource attribute of the resource object is a preset attribute; If so, determining whether there is a processing record for cumulative resource processing in the time unit where the resource transfer operation is located. If not, performing the operation of performing cumulative resource processing on the resource object in a corresponding time interval according to the resource processing template to obtain a resource cumulative amount.

5. According to the resource processing method described in claim 4, the resource object includes a resource return object that returns resources to the resource provider after borrowing resources from the resource provider; The preset attribute includes calculating resource revenue according to a resource revenue rule and returning resources according to a preset number of periods.

6. According to the resource processing method described in claim 1, the resource request is created when receiving an operation request for the resource transfer operation synchronized by the resource processing system; The process of cumulative resource processing in response to the resource request and the execution process of the resource transfer operation are synchronously processed in a parallel processing manner.

7. According to the resource processing method described in claim 1, performing cumulative resource processing on the resource object in a corresponding time interval according to the resource processing template to obtain a resource cumulative amount includes: Accumulatively calculate the amount of resources to be returned for each time unit of the resource object within the corresponding time interval to obtain the resource accumulation amount; Among them, the corresponding time interval includes the time interval between the resource transfer operation and the previous resource transfer operation.

8. The resource processing method according to claim 1, wherein the resource accumulation process of the resource object in the corresponding time interval according to the resource processing template to obtain the resource accumulation amount includes: Determine the corresponding time interval according to the time unit in which the resource accumulation task jointly executed by the resource scheduling system and the billing system is located, and the time unit in which the resource transfer operation is located; Accumulatively calculate the amount of resources to be returned for each time unit of the resource object in the corresponding time interval to obtain the resource accumulation amount.

9. The resource processing method according to claim 2, wherein the execution of the assigned resource accumulation task includes: Detect whether the resource object under the resource account corresponding to the assigned resource accumulation task meets the resource accumulation conditions for resource accumulation processing; If so, perform resource accumulation processing on the resource object in the corresponding time interval according to the resource processing template, and update the stored historical resource accumulation amount according to the obtained resource accumulation amount.

10. The resource processing method according to claim 3, wherein screening the resource accounts that meet the resource processing conditions for resource accumulation processing among the resource accounts in the offline data table includes: Detect whether the time interval between the previous resource transfer operation of the resource object under each resource account in the offline data table and the current time is greater than the time threshold. If so, use the resource account with a time interval greater than the time threshold as the resource account that meets the resource processing conditions; Or, Detect whether the time interval between the previous resource accumulation task of the resource object under each resource account in the offline data table and the current time is greater than the time threshold. If so, use the resource account with a time interval greater than the time threshold as the resource account that meets the resource processing conditions.

11. The resource processing method according to claim 1, wherein the resource revenue detection is implemented in the following manner: Calculate the resource revenue threshold according to the historical resource accumulation amount obtained after the resource transfer is completed and the revenue index threshold corresponding to the resource object; Detect whether the actual resource revenue amount of the resource object is greater than the resource revenue threshold. If so, perform resource return processing on the user resource account associated with the resource object; Among them, The actual resource revenue amount is calculated according to the operation record of the resource transfer operation of the resource object.

12. The resource processing method according to claim 11, wherein the resource return processing to the user resource account associated with the resource object includes: Calculate the resource return amount according to the resource revenue threshold and the actual resource revenue amount; Transfer the return resources corresponding to the resource return amount to the user resource account.

13. A resource processing device running on a resource detection system, the device includes: A request acquisition module configured to acquire a resource request created for a resource transfer operation of a resource object executed by a resource processing system; An accumulated processing module, configured to, in response to the resource request, perform accumulated processing of resources of the resource object in a corresponding time interval according to a resource processing template to obtain an accumulated resource amount; An update module, configured to update the historical accumulated resource amount of the resource object based on the accumulated resource amount, so as to be used for resource revenue detection after the resource transfer of the resource object is completed; wherein, the historical accumulated resource amount is obtained by the resource scheduling system and the billing system cooperating to execute an accumulated resource task.

14. A resource processing device, comprising: A processor; and a memory configured to store computer-executable instructions, the computer-executable instructions, when executed, cause the processor to: Obtain a resource request created for a resource transfer operation of a resource object performed on a resource processing system; In response to the resource request, perform accumulated processing of resources of the resource object in a corresponding time interval according to a resource processing template to obtain an accumulated resource amount; Update the historical accumulated resource amount of the resource object based on the accumulated resource amount, so as to be used for resource revenue detection after the resource transfer of the resource object is completed; wherein, the historical accumulated resource amount is obtained by the resource scheduling system and the billing system cooperating to execute an accumulated resource task.

15. A computer-readable storage medium, configured to store computer-executable instructions, the computer-executable instructions, when executed, implement the steps of the method according to claim 1.

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