Resource processing method and device

Abstract

The present invention provides a resource processing method and device, wherein a resource processing method includes: in the processing process of a resource object, starting from a resource request for a resource transfer operation of the resource object, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount, and updating a historical resource accumulation amount of the resource object based on the resource accumulation amount. The updated historical resource accumulation amount can be obtained by performing resource accumulation processing in cooperation with a resource scheduling system and a billing system. On this basis, resource revenue detection can be performed after the resource transfer of the resource object is completed, thereby realizing resource accumulation processing and resource revenue detection of the resource object.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a resource processing method and device. Background Art

[0002] With the continuous development and promotion of the Internet, the application scope of various online services provided by the Internet is becoming wider and wider. For example, resource services for resource flow provided by applications. Resource flow through resource services is accepted by more and more users for its convenience, speed and real-time advantages. However, as the number of users who process resource flow through applications continues to increase, more and more user data is generated, and the various problems that arise 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 by a resource transfer operation for a resource object executed by the resource processing system. In response to the resource request, resource accumulation processing of the resource object in a corresponding time interval is performed according to a resource processing template to obtain a resource accumulation amount. Based on the resource accumulation amount, the historical resource accumulation amount of the resource object is updated for resource benefit detection after the resource transfer of the resource object is completed. The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform a resource accumulation task.

[0004] One or more embodiments of the present invention provide a resource processing device that runs on a resource detection system, the device comprising: a request acquisition module configured to obtain a resource request created by a resource transfer operation for a resource object executed by the resource processing system. An accumulation processing module 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 configured to update the historical resource accumulation amount of the resource object based on the resource accumulation amount, so as to perform resource revenue detection after the resource transfer of the resource object is completed. The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform a resource accumulation task.

[0005] One or more embodiments of the present invention provide a resource processing device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein when the computer-executable instructions are executed, the processor is caused to: 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, resource accumulation processing of the resource object in a corresponding time interval is performed according to a resource processing template to obtain a resource accumulation amount. Based on the resource accumulation amount, the historical resource accumulation amount of the resource object is updated for resource benefit detection after the resource transfer of the resource object is completed. The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform a resource accumulation task.

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

[0007] In order to more clearly illustrate one or more embodiments of the present invention or technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or descriptions of the prior art. Obviously, the drawings described below are only some embodiments described in the present invention. Those skilled in the art can derive other drawings based on these drawings without inventive effort.

[0008] Figure 1 A schematic diagram of an implementation environment of a resource processing method provided for one or more embodiments of the present invention;

[0009] Figure 2 A process flow chart of a resource processing method provided by one or more embodiments of the present invention;

[0010] Figure 3 A flowchart of a resource processing method applied to a fund borrowing scenario provided by one or more embodiments of the present invention;

[0011] Figure 4 A schematic diagram of an embodiment of a resource processing device provided by one or more embodiments of the present invention;

[0012] Figure 5 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of the present invention. DETAILED DESCRIPTION

[0013] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of the present invention, the technical solutions in one or more embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in one or more embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on one or more embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work should fall within the scope of protection of this document.

[0014] The resource processing method provided by one or more embodiments of the present invention can be applied to the implementation environment of the resource detection platform. Figure 1 , the implementation environment includes at least:

[0015] Resource detection system 101, resource scheduling system 102 and billing system;

[0016] The resource detection system 101 is used to perform resource accumulation processing on resource transfer operations of resource objects. The resource accumulation processing specifically includes calculating and updating the resource accumulation amount and performing resource benefit detection based on the resource accumulation amount.

[0017] The resource scheduling system 102 is configured to cooperate with the billing system to calculate and update the resource accumulation amount for resource transfer operations of resource objects. The resource scheduling system 102 is configured to create a resource accumulation task for calculating and updating the resource accumulation amount and assign it to the billing system. The billing system is configured to execute the resource accumulation task assigned by the resource scheduling system 102 and calculate and update the resource accumulation amount of the resource objects through task execution. There may be multiple billing systems: billing system 103-1, ..., billing system 103-N.

[0018] In addition, the implementation environment may also 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; wherein the resource processing system 104 is used to execute resource transfer operations of resource objects, the scheduling database 105 is used to store resource data of resource accounts for calculating and updating resource accumulation amounts, and the online database 106 is used to store resource data of each resource account for performing resource transfer operations.

[0019] In this implementation environment, during the resource accumulation processing of resource objects, on the one hand, the resource detection system 101 obtains the resource request created by the resource transfer operation of the resource object executed by the resource processing system 104, and performs resource accumulation processing of the resource object in the corresponding time interval according to the resource processing template to obtain the resource accumulation amount, and updates the historical resource accumulation amount of the resource object 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, the resource accumulation amount of the resource object is calculated and updated through the cooperation of these two methods, which can obtain a more accurate and effective resource accumulation amount, thereby making the resource benefit detection of the resource object based on the obtained resource accumulation amount more effective and comprehensive.

[0020] 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, if you want to collect resource objects and related data, you can obtain the user's authorization before collecting the data, so that the data collection operation complies with relevant data management regulations. For example, you can obtain user 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, and the user can obtain data collection authorization after confirming the reminder through an instruction. Alternatively, the method of data authorization can also be to obtain data collection authorization by signing a data authorization agreement.

[0021] One or more embodiments of a resource processing method provided by the present invention are as follows:

[0022] Reference Figure 2 The resource processing method provided in this embodiment can be applied to a resource detection system. The method specifically includes steps S202 to S206.

[0023] Step S202: obtaining a resource request created by a resource transfer operation on a resource object executed by the resource processing system.

[0024] The resource object described in this embodiment refers to the transfer object, resource object or resource product for resource circulation. Resource circulation can be the return of resources or resource repayment for resource borrowing that has been carried out, or the return of resources or resource repayment for resource lending that has been carried out, or the return of resources or resource repayment for resource expenditure that has been carried out. Accordingly, the resource object can be the resource return object for resource return, or the resource repayment object for resource repayment; at the resource data level, the resource object can be the loan object for resource borrowing, the resource loan object or the resource loan.

[0025] Optionally, the resource object includes a resource return object created after resource borrowing, loaning or spending, which is used to return resources to the resource party; at the resource data level, the resource object may include a debit note object created after resource borrowing, loaning or spending from the resource party.

[0026] Specifically, a resource party refers to a resource provider that provides resource borrowing, resource lending, or resource expenditure. Specifically, a resource party can be a funding party or a fund borrower that provides capital borrowing, or a resource provider that provides other types of resource borrowing, such as a resource provider that provides virtual resources or valuable resources for borrowing. The subject that borrows resources from a resource party can be a user. When borrowing resources from a resource party, the user can either borrow from the resource party on a credit basis based on the user's credit, or borrow from the resource party on a collateral basis. In addition, the subject that borrows resources from a resource party can also be an institution. When borrowing resources from a resource party, the institution can also borrow from the resource party on a credit basis based on the institution's credit, or borrow from the resource party on a collateral basis.

[0027] After borrowing resources from the resource provider, the corresponding resources must be returned to the resource provider. Specifically, the resources can be returned to the resource provider within a specified time interval. During this time interval, resource objects may be transferred or operations related to resource transfers may be performed. These operations may trigger changes in the resource objects' accounts. Here, resource transfers or operations related to resource transfers are referred to as resource transfer operations (account operations or resource account operations). Specifically, resource transfer operations include account entry operations, repayment operations, interest-generating operations, account adjustment operations, and / or interest settlement operations.

[0028] During specific implementation, a resource request for a resource transfer operation may be created when a resource transfer operation for a resource object is detected. Specifically, the resource request for the resource transfer operation may be created by a resource detection system. Optionally, the resource request may be created when an operation request for a resource transfer operation synchronized with a resource processing system is received. In addition, the resource request may also be created by the resource processing system and synchronized with the resource detection system. Accordingly, obtaining a resource request created for a resource transfer operation for a resource object executed by the resource processing system may be replaced by obtaining a resource request created and synchronized by the resource processing system for a resource transfer operation for a resource object.

[0029] 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 performs credit lending processing (credit processing system or credit lending 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, the resource detection system creates a resource request for the resource transfer operation when it receives the operation request for the resource transfer operation synchronized by the resource processing system.

[0030] In actual applications, in resource borrowing scenarios, it is necessary to ensure that the resource income generated by resource borrowing does not exceed the specified upper limit. For example, after a user borrows funds from a fund provider and obtains borrowed funds, in the process of returning the funds to the fund provider, it is necessary not only to return the borrowed funds (principal) but also to return additional funds to the fund provider. This additional funds includes interest and / or handling fees. From the perspective of the fund provider, this additional funds is actually the fund income obtained by the fund provider after borrowing funds. To ensure that the resource income generated by resource borrowing does not exceed the specified upper limit, this embodiment uses resource income detection to ensure that the income generated by resource borrowing does not exceed the specified upper limit. Specifically, in the resource income detection process, resource accumulation processing is first used to determine the resource amount change of the resource object in real time, and then resource income detection of the resource object is performed based on the resource accumulation processing.

[0031] During the specific execution process, in order to improve the real-time performance of resource accumulation processing for resource transfer operations on resource objects, before the resource processing system executes the resource transfer operation, the resource processing system may synchronize an operation request for the resource transfer operation with the resource detection system, and the resource detection system may create a resource request for the resource transfer operation. In other words, a resource request (pre-resource request) is created to perform resource accumulation processing before the resource transfer operation is executed. In this case, the resource accumulation processing process performed in response to the resource request is executed before the execution process of the resource transfer operation, thereby ensuring the real-time and accuracy of the resource accumulation processing for the resource object through the pre-resource accumulation processing.

[0032] In addition, in order to improve the processing efficiency of resource transfer operations and ensure the real-time processing response, the resource accumulation processing process in response to resource requests and the execution process of resource transfer operations can also be executed in parallel. Optionally, the resource accumulation processing process in response to resource requests and the execution process of resource transfer operations are synchronously processed in a parallel processing manner. For example, the resource accumulation processing process in response to resource requests 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.

[0033] In a specific implementation, after obtaining a resource request created for a resource transfer operation on a resource object and before performing the resource accumulation processing described below, it is also possible to detect whether the current resource transfer operation meets the processing conditions for performing the resource accumulation processing. Resource accumulation processing is only performed on resource transfer operations that meet the processing conditions, thereby improving the effectiveness of the resource accumulation processing. The processing conditions may be: the resource attribute of the resource object is a preset attribute, and / or there is no processing record of resource accumulation processing in the time unit where the resource transfer operation occurs;

[0034] During the specific execution process, on the one hand, it is possible to detect whether the resource attributes of the resource object are preset attributes to detect whether the current resource transfer operation meets the processing conditions for resource accumulation processing. On the other hand, it is also possible to detect whether there is a processing record for resource accumulation processing in the time unit where the current resource transfer operation is located to detect whether it is necessary to perform resource accumulation processing on the current resource transfer operation.

[0035] Specifically, in an optional implementation provided by this embodiment, after obtaining a resource request created for a resource transfer operation, the following operations are performed:

[0036] Check whether the resource attributes of the resource object are preset attributes; if not, do nothing, or return a reminder message to the resource processing system;

[0037] 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, execute the following operation to perform resource accumulation processing of the resource object in the corresponding time interval according to the resource processing template to obtain the resource accumulation amount; if it exists, do not process it, or return a reminder message to the resource processing system.

[0038] The term "resource attribute" refers to the attribute of a resource object, specifically the borrowing type or loan type of the resource object, the resource attribute of the borrowed resource corresponding to the resource object, the borrowing type or loan type of the IOU object, or the resource attribute of the borrowed resource corresponding to the IOU object. The term "time unit" refers to the time unit, time slice, time period, or time granularity for resource accumulation processing, such as a day or a week.

[0039] Preset attributes refer to pre-set resource attributes. Optionally, the preset attributes include the attribute of calculating resource benefits according to resource benefit rules and returning resources according to preset periods. For example, the resource attribute of the IOU object is: calculating resource benefits according to resource interest rate rules and returning resources to the resource party in multiple periods. In addition, the preset attribute can also be the attribute that the resource return method is to return in installments and the resource return amount for each period is equal. For example, the resource attribute of the IOU object is: returning resources to the resource party in multiple periods and the resource return amount for each period is equal. The resource return amount may include borrowed funds and the return of additional resources to the fund provider. This additional resource includes interest rate resources and handling fee resources obtained according to the interest rate calculation.

[0040] Step S204 : In response to the resource request, performing resource accumulation processing on the resource object in the corresponding time interval according to a resource processing template to obtain a resource accumulation amount.

[0041] During specific implementation, based on obtaining the resource request created for the resource transfer operation, resource accumulation processing is performed on the resource object in response to the resource request. 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, in the process of performing resource accumulation processing, 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.

[0042] Resource accumulation processing involves accumulating the relevant resource amounts (such as outstanding resource amounts) of resource objects to obtain the accumulated amount of the resource objects. This accumulated amount is the resource cumulative amount. In actual resource borrowing scenarios, various resource transfer operations (account changes) may occur, which may cause changes in the relevant resource amounts of resource objects. Therefore, to ensure more accurate calculation of the resource cumulative amount, the outstanding resource amounts of resource objects are accumulated based on time intervals and according to resource processing templates. This ensures the real-time and validity of the resource cumulative amount obtained through resource accumulation processing.

[0043] A resource processing template refers to a calculation template relied upon for cumulative calculation of the amount of resources to be repaid of a resource object. The calculation template may specifically be a calculation strategy, a calculation rule, or a calculation algorithm. Alternatively, the resource processing template may also be a resource processing strategy, a resource processing rule, or a resource processing algorithm.

[0044] During the specific execution process, the resource accumulation processing of the resource object in the corresponding time interval can be carried out according to the resource processing template. The resource accumulation processing of the interval period between two account movement operations of the resource object can be carried out according to the resource processing template. Specifically, the resource accumulation calculation is performed for each time unit in the interval period. In this way, the change of the relevant resource amount (such as the amount of resources to be repaid) of the resource object between the two account movement operations is determined through fine-grained accumulation calculation;

[0045] Specifically, in an optional implementation provided by this embodiment, performing resource accumulation processing for a resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount includes: accumulating 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. Optionally, the corresponding time interval includes the interval between a resource transfer operation and a previous resource transfer operation.

[0046] Here, the interval between a resource transfer operation and the previous resource transfer operation specifically refers to the interval between the operation time of the resource transfer operation and the operation time of the previous resource transfer operation (the previous operation time). Accumulating the outstanding resource amount for each time unit of the resource object within the corresponding time interval may involve calculating the outstanding resource amount for each time unit of the resource object and then summing the outstanding resource amounts for all time units within the corresponding time interval to obtain the accumulated resource amount.

[0047] In this embodiment, in addition to the above-provided method of performing resource accumulation processing of resource objects in corresponding time intervals according to the resource processing template, resource accumulation processing of resource objects can also be performed through the cooperation between the resource scheduling system and the billing system. Specifically, in the process of resource accumulation processing performed by the cooperation between the resource scheduling system and the billing system, resource accumulation processing can be performed by the resource scheduling system creating a resource accumulation task and allocating it to the billing system, and the billing system executing the allocated resource accumulation task. That is, resource accumulation processing is performed by the resource scheduling system and the billing system cooperating to execute the resource accumulation task.

[0048] Specifically, in an optional implementation provided by this embodiment, the resource scheduling system cooperates with the billing system to perform resource accumulation tasks, including:

[0049] Create resource accumulation tasks for resource objects under each resource account in the scheduling database through the resource scheduling system;

[0050] The resource scheduling system allocates the created resource accumulation task to the billing system in the billing system cluster, and the billing system executes the allocated resource accumulation task.

[0051] Among them, the resource scheduling system is used to create resource accumulation tasks for calculating and updating resource accumulation amounts and allocate them to the billing system; the billing system is used to execute the resource accumulation tasks allocated by the resource scheduling system, and calculate and update the resource accumulation amounts of resource objects through task execution; the scheduling database is used to store resource data of resource accounts for calculating and updating resource accumulation amounts.

[0052] A resource accumulation task refers to a task that performs resource accumulation processing. Specifically, a resource accumulation task is used to calculate the resource accumulation amount and update the stored historical resource accumulation amount based on the calculated resource accumulation amount. In order to improve the processing efficiency of the resource scheduling system and the billing system in cooperating to perform resource accumulation tasks, the resource accumulation task can be an asynchronous processing task for resource accumulation processing. In this case, after the asynchronous processing task is assigned to different billing systems, the asynchronous processing task can be executed in the billing system using asynchronous processing, thereby improving the processing efficiency of the resource scheduling system and the billing system in cooperating to perform resource accumulation processing.

[0053] Each resource account in the scheduling database refers to the resource account to which the resource objects to be accumulated and processed for resources stored in the scheduling database belong, and specifically can be the user resource account of the user who borrows resources from the resource party; after borrowing resources from the resource party, the user needs to return the resources to the resource party. The resource account here can also be the resource account through which the user returns the resources to the resource party, or it can also be the resource account of the user associated or bound to the loan object; in addition, each resource account in the scheduling database can be the institutional resource account of an organization. After borrowing resources from the resource party, the organization needs to return the resources to the resource party. The resource account here can also be the resource account through which the organization returns the resources to the resource party, or it can also be the resource account of the organization associated or bound to the loan object.

[0054] In an optional implementation provided by this embodiment, each resource account in the scheduling database is determined in the following manner:

[0055] Obtain resource data for each resource account in the online database of the resource processing system and synchronize it to the offline data table;

[0056] Based on the resource data recorded in the offline data table, resource accounts that meet the resource processing conditions for resource accumulation processing are screened from each resource account in the offline data table;

[0057] Synchronize the resource data of the filtered resource accounts to the scheduling database.

[0058] During the specific execution process, the online database is used to store resource data of each resource account that performs resource transfer operations. The resource processing condition can be that the interval between the previous resource transfer operation of the resource object and the current time is greater than the interval threshold, or it can be that the interval between the previous resource accumulation task of the resource object and the current time is greater than the interval threshold. Based on this, an optional implementation provided by this embodiment is to screen resource accounts that meet the resource processing condition for resource accumulation processing from each resource account in the offline data table, including: detecting whether the 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 interval threshold, and if so, taking the resource account with the interval greater than the interval threshold as the resource account that meets the resource processing condition; or detecting whether the 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 interval threshold, and if so, taking the resource account with the interval greater than the interval threshold as the resource account that meets the resource processing condition. Here, the interval between the previous resource transfer operation and the current time specifically refers to the interval between the operation time of the previous resource transfer operation (previous operation time) and the current time; the interval between the previous resource accumulation task and the current time specifically refers to the interval between the task time of the previous resource accumulation task (previous task time) and the current time.

[0059] During specific implementation, in the process of executing resource accumulation tasks, in order to improve the accuracy and effectiveness of the resource accumulation processing performed by the billing system through executing resource accumulation tasks, the resource accumulation tasks can be detected. Specifically, the resource objects targeted by the resource accumulation tasks are detected to see whether they meet the resource accumulation conditions for resource accumulation processing. For resource objects that meet the resource accumulation conditions, resource accumulation processing is performed on the resource objects by executing resource accumulation tasks. Among them, the resource accumulation conditions can be that the interval between the previous resource transfer operation of the resource object and the current time is greater than the duration threshold, or that the interval between the previous resource accumulation task of the resource object and the current time is greater than the duration threshold.

[0060] In an optional implementation provided by this embodiment, executing the allocated resource accumulation task includes:

[0061] Check whether the resource objects under the resource account corresponding to the assigned resource accumulation task meet the resource accumulation conditions for resource accumulation processing;

[0062] 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 based on the obtained resource accumulation amount;

[0063] If not, no action is taken, or the task status of the resource accumulation task is updated to the executed status.

[0064] Among them, the corresponding time interval can be the interval time interval between the current resource accumulation task and the previous resource transfer operation, or the interval time interval between the current resource accumulation task and the previous resource accumulation task; here, the interval time interval between the current resource accumulation task and the previous resource transfer operation specifically refers to the interval time interval between the task time of the current resource accumulation task (current task time) and the operation time of the previous resource transfer operation (previous operation time); the interval time interval between the current resource accumulation task and the previous resource accumulation task specifically refers to the interval time interval between the task time of the current resource accumulation task and the task time of the previous resource accumulation task (previous task time).

[0065] The resource accumulation condition can be that the interval between the previous resource transfer operation of the resource object and the current time is greater than the duration threshold, or it can be that the interval between the previous resource accumulation task of the resource object and the current time is greater than the duration threshold; in this case, it is detected whether the resource objects under the resource account corresponding to the resource accumulation task meet the resource accumulation conditions for resource accumulation processing, specifically, whether the interval between the previous resource transfer operation of the resource object under the resource account corresponding to the resource accumulation task and the current time is greater than the duration threshold, or whether the interval between the previous resource accumulation task of the resource object under the resource account corresponding to the resource accumulation task and the current time is greater than the duration threshold.

[0066] As described above, this embodiment performs resource accumulation processing on a resource object in response to a resource request created for a resource transfer operation. Furthermore, resource accumulation processing on a resource object can be performed through the collaboration of a resource scheduling system and a billing system. In both approaches, resource accumulation processing on a resource object can be performed in accordance with a resource processing template during a corresponding time interval to obtain a resource accumulation amount. Furthermore, the resource processing template can be a template, policy, or rule for performing resource accumulation processing on the interval between two account transfer operations on a resource object. Specifically, resource accumulation calculation is performed on each time unit within the interval, thereby determining changes in the relevant resource amount (e.g., the outstanding resource amount) of the resource object between the two account transfer operations through fine-grained accumulation calculation.

[0067] Specifically, in an optional implementation provided by this embodiment, performing resource accumulation processing of a resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount includes:

[0068] Determine the corresponding time interval based on the time unit of the resource accumulation task executed by the resource scheduling system and the billing system, as well as the time unit of the resource transfer operation;

[0069] The amount of resources to be returned for each time unit of the resource object in the corresponding time interval is accumulated and calculated to obtain the accumulated amount of resources.

[0070] During the specific execution process, when determining the corresponding time interval based on the time unit of the resource accumulation task and the time unit of the resource transfer operation, the interval time interval between the time unit of the resource accumulation task and the time unit of the resource transfer operation can be used as the corresponding time interval.

[0071] Step S206: updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to be used for resource benefit detection after the resource transfer of the resource object is completed.

[0072] In the above-mentioned response to the resource request, after 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, 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 resource amount to be returned of the resource object through the resource accumulation processing and update of the resource object; wherein, the historical resource accumulation amount refers to the resource accumulation amount obtained after the resource accumulation processing and update are performed in advance. It can be seen from this cumulative calculation and update method that the historical resource accumulation amount can be the cumulative calculated total amount of the resource amount 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.

[0073] Optionally, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform resource accumulation tasks.

[0074] As described above, this embodiment performs resource accumulation processing on the one hand in response to the resource request created for the resource transfer operation, and on the other hand, performs resource accumulation processing on the resource object through the cooperation of the resource scheduling system and the billing system. In these two methods, during the resource accumulation processing of the resource object, the resource accumulation processing of the resource object in the corresponding time interval can be performed according to the resource processing template to obtain the resource accumulation amount. Therefore, the historical resource accumulation amount can be the resource accumulation amount obtained by performing resource accumulation processing in response to the resource request created by the previous resource transfer operation of the resource object, and can also be the resource accumulation amount obtained by performing resource accumulation processing in cooperation with the resource scheduling system and the billing system; accordingly, the historical resource accumulation amount includes: the resource accumulation amount obtained by performing resource accumulation tasks using the cooperation of the resource scheduling system and the billing system, the historical resource accumulation amount obtained by updating the stored historical resource accumulation amount, or the resource accumulation amount obtained by performing resource accumulation processing using the resource detection system in response to the resource request, and the historical resource accumulation amount obtained by updating the stored historical resource accumulation amount.

[0075] During specific implementation, on the one hand, the stored historical resource cumulative amount can be updated based on the resource cumulative amount obtained through resource cumulative processing; on the other hand, the stored historical resource cumulative amount can be updated based on the resource cumulative amount obtained through resource cumulative processing in cooperation with the resource scheduling system and the billing system. In this way, the cumulative calculation of the resource amount to be returned of the resource object is realized through the resource cumulative processing and update of the resource object. Finally, the historical resource cumulative amount obtained when the resource return of the resource object is completed is the total amount of the resource amount to be returned accumulated by the resource object in the previous time period (the cumulative amount of resources to be returned). Furthermore, resource revenue detection can be performed based on the historical resource cumulative amount at this time to ensure that the resource revenue generated by resource borrowing in the resource borrowing scenario does not exceed the prescribed upper limit.

[0076] Specifically, in an optional implementation provided by this embodiment, resource benefit detection is implemented in the following manner:

[0077] Calculate the resource income threshold based on the historical resource accumulation amount stored after the resource transfer and the income indicator threshold corresponding to the resource object;

[0078] Check whether the actual resource income of the resource object is greater than the resource income threshold. If so, return the resources to the user resource account associated with the resource object, or return the resources to the institution resource account associated with the resource object; if not, do nothing.

[0079] Among them, the actual resource income amount is calculated based on the operation record of the resource transfer operation of the resource object, such as reading the resource income amount in the operation record of the resource transfer operation of the resource object and accumulating it to obtain the actual resource income amount; in the process of calculating the resource income 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 income threshold can be calculated based on the read historical resource accumulation amount and the income index threshold; among them, the income index threshold refers to the threshold used to ensure that the resource income generated by resource borrowing does not exceed the prescribed upper limit. The income 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 the borrowed funds.

[0080] Furthermore, in the process of ensuring that the resource revenue generated by resource borrowing in the resource borrowing scenario does not exceed the prescribed upper limit through resource revenue detection, if it is detected that the resource revenue has exceeded the upper limit, the resource is returned to the user through resource return processing, so that the resource revenue of the resource object after the resource return is within the prescribed upper limit. Specifically, in an optional implementation provided by this embodiment, the resource return processing is performed on the user resource account associated with the resource object, including: calculating the resource return amount based on the resource revenue threshold and the actual resource revenue amount; and transferring the returned resources corresponding to the resource return amount to the user resource account;

[0081] In addition, in another optional implementation provided by this embodiment, resource return processing is performed on the institutional resource account associated with the resource object, including: calculating the resource return amount based on the resource income threshold and the actual resource income; and transferring the returned resources corresponding to the resource return amount to the institutional resource account.

[0082] In summary, the resource processing method provided in this embodiment, in the process of resource processing of resource objects, on the one hand, responds to a resource request created for a resource transfer operation of a resource object, performs resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount, and updates the historical resource accumulation amount of the resource object based on the resource accumulation amount, thereby realizing resource accumulation calculation of the resource object through resource accumulation processing and updating of the resource object. On the other hand, resource accumulation processing of the resource object can also be performed by cooperating with the resource scheduling system and the billing system to execute resource accumulation tasks. Combining these two methods to perform resource accumulation processing and updating of resource objects not only improves the accuracy of resource accumulation processing of the resource object, but also makes the effectiveness and real-time performance of the historical resource accumulation amount obtained by processing higher.

[0083] Furthermore, the resource benefit threshold can be calculated based on the historical resource accumulation amount stored after the resource transfer is completed and the benefit indicator threshold corresponding to the resource object. When it is detected that the actual resource benefit amount of the resource object is greater than the resource benefit threshold, the resource return processing is performed to the user resource account associated with the resource object, so as to ensure that the resource benefit generated in the resource borrowing scenario does not exceed the prescribed upper limit.

[0084] The following is an example of an application of a resource processing method provided in this embodiment in a fund borrowing scenario. Figure 3 , for further explanation of the resource processing method provided in this embodiment, see Figure 3 , a resource processing method applied to a fund borrowing scenario specifically includes the following steps.

[0085] Step S302: Create a fund request according to the fund transfer operation request of the fund note synchronized with the resource processing system.

[0086] Step S304: In response to the fund request, detecting whether the fund attribute of the fund note is a preset attribute;

[0087] If yes, go to step S306;

[0088] If not, no processing is performed, or a reminder message is returned to the resource processing system.

[0089] Step S306, determining whether there is a processing record of fund accumulation processing in the time unit of the fund transfer operation;

[0090] If not, execute steps S308 to S314;

[0091] If it exists, no action is taken, or a reminder message is returned to the resource processing system.

[0092] Step S308: performing fund accumulation processing on the fund note in the corresponding time interval according to the fund processing template to obtain the accumulated fund amount.

[0093] Step S310: updating the historical accumulated amount of funds of the fund note based on the accumulated amount of funds.

[0094] In step S312, if the funds of the capital note are returned, the capital income threshold is calculated based on the historical capital accumulation amount stored after the return is completed and the income indicator threshold corresponding to the capital note.

[0095] Optionally, the historical accumulated funds amount is obtained by the resource scheduling system and the billing system cooperating to execute the fund accumulation task.

[0096] Step S314: Check whether the actual capital gain amount of the capital loan note is greater than the capital gain threshold;

[0097] If yes, go to step S316;

[0098] If not, no action is required.

[0099] Step S316: Return funds to the user's fund account associated with the fund note.

[0100] It should be noted that any one of steps S302 to S316 or any combination of multiple steps can be combined with any one of steps S202 to S206 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S302 to S316 and combined with any one or multiple technical features provided by steps S202 to S206 to form a new implementation method; or, any one or multiple technical features in steps S302 to S316 can be replaced with any one or multiple technical features provided by steps S202 to S206 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0101] An embodiment of a resource processing device provided by the present invention is as follows:

[0102] In the above embodiment, a resource processing method is provided, and correspondingly, a resource processing device is also provided, which will be described below with reference to the accompanying drawings.

[0103] Reference Figure 4 , which shows a schematic diagram of an embodiment of a resource processing device provided by this embodiment.

[0104] Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For the relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0105] This embodiment provides a resource processing device, which runs in a resource detection system. The device includes:

[0106] A request acquisition module 402 is configured to acquire a resource request created by a resource transfer operation on a resource object executed by the resource processing system;

[0107] The accumulation processing module 404 is configured to, 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 a resource accumulation amount;

[0108] An updating module 406 is configured to update the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to be used for resource benefit detection after the resource transfer of the resource object is completed;

[0109] The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform resource accumulation tasks.

[0110] An embodiment of a resource processing device provided by the present invention is as follows:

[0111] 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 resource processing device, which is used to execute the resource processing method provided above. Figure 5 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of the present invention.

[0112] This embodiment provides a resource processing device, including:

[0113] like Figure 5As shown, resource processing devices can vary significantly due to different configurations or performance, and may include one or more processors 501 and memory 502. Memory 502 may store one or more applications or data. Memory 502 may be either ephemeral or persistent. Applications stored in memory 502 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the resource processing device. Furthermore, processor 501 may be configured to communicate with memory 502 to execute the series of computer-executable instructions in memory 502 on the resource processing device. Resource processing devices may also 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, and the like.

[0114] In a specific embodiment, the resource processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the resource processing device, and the one or more programs are configured to be executed by one or more processors, including computer-executable instructions for performing the following:

[0115] Obtaining a resource request created by a resource transfer operation on a resource object executed by a resource processing system;

[0116] In response to the resource request, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount;

[0117] updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed;

[0118] The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform resource accumulation tasks.

[0119] An embodiment of a computer-readable storage medium provided by the present invention is as follows:

[0120] 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-readable storage medium.

[0121] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions. When the computer-executable instructions are executed, the following process is implemented:

[0122] Obtaining a resource request created by a resource transfer operation on a resource object executed by a resource processing system;

[0123] In response to the resource request, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount;

[0124] updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed;

[0125] The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform resource accumulation tasks.

[0126] It should be noted that an embodiment of a computer-readable storage medium in the present invention and an embodiment of a resource processing method in the present invention are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0127] An embodiment of a computer program product provided by the present invention is as follows:

[0128] 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.

[0129] A computer program product comprising a computer program / instructions, which, when executed by a processor, implements the following steps:

[0130] Obtaining a resource request created by a resource transfer operation on a resource object executed by a resource processing system;

[0131] In response to the resource request, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount;

[0132] updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed;

[0133] The historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform resource accumulation tasks.

[0134] It should be noted that the embodiment of a computer program product in the embodiments of the present invention and the embodiment 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 aforementioned corresponding method, and the repeated parts will not be repeated.

[0135] The various embodiments of the present invention are described in a progressive manner, and 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, equipment embodiment, computer-readable storage medium embodiment, and computer program product embodiment are all similar to the method embodiment, so the description is relatively simple. For relevant contents in the device embodiment, equipment embodiment, computer-readable storage medium embodiment and computer program product embodiment, please refer to the partial description of the method embodiment.

[0136] The foregoing description describes specific embodiments of the present invention. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that described in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the accompanying drawings do not necessarily require the specific order shown or sequential order to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0137] In the 1930s, technological improvements could be clearly distinguished as either hardware improvements (for example, improvements to circuit structures like diodes, transistors, and switches) or software improvements (improvements to process flows). However, with the advancement of technology, many process flow improvements today can be considered direct improvements to hardware circuit structures. Designers almost always create the corresponding hardware circuit structure by programming the improved process flow into the hardware circuit. Therefore, it cannot be said that a process flow improvement cannot be implemented using physical hardware modules. For example, a programmable logic device (PLD), such as a field programmable gate array (FPGA), is an integrated circuit whose logical function is determined by user programming. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to hire a chip manufacturer to design and manufacture a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly performed using software called a "logic compiler." This is similar to the software compilers used during program development. Before compilation, the original code must be written in a specific programming language, called a Hardware Description Language (HDL). There are many types of HDL, including 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, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art will also understand that simply by programming a method flow in one of these hardware description languages ​​and then programming it into an integrated circuit, a hardware circuit that implements the logic method flow can be easily obtained.

[0138] The controller can be implemented in any suitable manner. For example, the controller can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., 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 controllers 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 memory control logic. Those skilled in the art will also appreciate that, in addition to implementing the controller purely in computer-readable program code, the controller can also be implemented in the form of logic gates, switches, an application-specific integrated circuit, a programmable logic controller, an embedded microcontroller, etc. by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the means for implementing the various functions included therein can also be considered as structures within the hardware component. Alternatively, the means for implementing the various functions can be considered both a software module implementing the method and a structure within the hardware component.

[0139] The systems, devices, modules, or units described in the above embodiments may be implemented by computer chips or entities, or by products having certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0140] For the convenience of description, the above device is described as being divided into 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.

[0141] Those skilled in the art will appreciate that one or more embodiments of the present invention may be provided as a method, system, or computer program product. Thus, one or more embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0142] This specification is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes 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 a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable resource processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable resource processing device generate instructions for implementing the process in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0143] These computer program instructions may 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, so that the instructions stored in the computer readable memory produce an article of manufacture including an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0144] These computer program instructions can also be loaded onto a computer or other programmable resource processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 The steps for the function specified in one or more boxes.

[0145] In a typical configuration, a computing device includes one or more processors (CPUs), input / output interfaces, network interfaces, and memory.

[0146] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0147] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can be implemented using any method or technology for information storage. The 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 RAM (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 technologies, compact disc read-only memory (CD-ROM), digital versatile disc (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 computer-readable media such as modulated data signals and carrier waves.

[0148] It should also be noted that the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, method, commodity, or apparatus comprising a series of elements includes not only those elements but also other elements not explicitly listed, or elements inherent to such process, method, commodity, or apparatus. In the absence of further limitations, an element defined by the phrase "comprising at least one ..." does not exclude the presence of additional identical elements in the process, method, commodity, or apparatus comprising the element.

[0149] 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, and the like 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 via a communications network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0150] The foregoing description is merely an example of the present invention and is not intended to limit the present invention. Persons skilled in the art will readily appreciate that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, or improvements made within the spirit and principles of the present invention are intended to be included within the scope of the claims herein.

Claims

1. A resource processing method, applied to a resource detection system, comprising: Obtaining a resource request created by a resource transfer operation on a resource object executed by a resource processing system; In response to the resource request, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount; updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed; Among them, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform the following processing: the resource scheduling system creates an asynchronous processing task for resource accumulation processing of the resource objects under each resource account in the scheduling database and distributes it to each billing system in the billing system cluster, and each billing system uses asynchronous processing to execute the allocated asynchronous processing task.

2. The resource processing method according to claim 1, wherein each resource account in the scheduling database is determined in the following manner: Obtain 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, selecting resource accounts that meet resource processing conditions for performing resource accumulation processing from each resource account in the offline data table; The resource data of the resource accounts obtained by screening are synchronized to the scheduling database.

3. The resource processing method according to claim 1, further comprising: after executing the step of obtaining a resource request created by a resource transfer operation for a resource object executed by the resource processing system, and before executing the step of performing resource accumulation processing for the resource object in a corresponding time interval according to the resource processing template to obtain a resource accumulation amount; Detecting whether the resource attribute of the resource object is a preset attribute; 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, execute the resource accumulation processing of the resource object in the corresponding time interval according to the resource processing template to obtain the resource accumulation amount operation.

4. The resource processing method according to claim 3, wherein the resource object comprises a resource return object created after borrowing resources from a resource provider and returning the resources to the resource provider; The preset attributes include calculating resource benefits according to resource benefit rules and returning resources according to preset periods.

5. The resource processing method according to claim 1, wherein the resource request is created upon receiving an operation request for the resource transfer operation synchronized by the resource processing system; 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.

6. The resource processing method according to claim 1, wherein the step of performing resource accumulation processing on the resource object in a corresponding time interval according to the resource processing template to obtain the resource accumulation amount comprises: Accumulating and calculating the amount of resources to be returned of the resource object in each time unit within the corresponding time interval to obtain the accumulated amount of resources; The corresponding time interval includes the interval between the resource transfer operation and the previous resource transfer operation.

7. The resource processing method according to claim 1, wherein the step of performing resource accumulation processing on the resource object in a corresponding time interval according to the resource processing template to obtain the resource accumulation amount comprises: Determining the corresponding time interval according to the time unit of the asynchronous processing task executed by the resource scheduling system in cooperation with the billing system and the time unit of the resource transfer operation; The amount of resources to be returned of the resource object in each time unit of the corresponding time interval is cumulatively calculated to obtain the cumulative amount of resources.

8. The resource processing method according to claim 1, wherein executing the assigned asynchronous processing task comprises: Detecting whether the resource object under the resource account corresponding to the assigned asynchronous processing task meets the resource accumulation condition for performing 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.

9. The resource processing method according to claim 2, wherein the step of screening resource accounts in the offline data table for resource accounts that meet resource processing conditions for resource accumulation processing comprises: Detecting whether the interval between the previous resource transfer operation and the current time of the resource object under each resource account in the offline data table is greater than a duration threshold; if so, taking the resource account with the interval greater than the duration threshold as a resource account that meets the resource processing condition; or, Detect whether the interval between the previous asynchronous processing task of the resource object under each resource account of the offline data table and the current time is greater than the interval threshold. If so, the resource account with an interval greater than the interval threshold is used as the resource account that meets the resource processing condition.

10. The resource processing method according to claim 1, wherein the resource benefit detection is implemented in the following manner: Calculate the resource income threshold based on the historical resource accumulation amount obtained after the resource transfer is completed and the income indicator threshold corresponding to the resource object; Detecting whether the actual resource income of the resource object is greater than the resource income threshold, and if so, returning the resource to the user resource account associated with the resource object; in, The actual resource income amount is calculated based on the operation record of the resource transfer operation of the resource object.

11. The resource processing method according to claim 10, wherein the returning the resource to the user resource account associated with the resource object comprises: Calculate the resource return amount based on the resource income threshold and the actual resource income amount; Transfer the returned resources corresponding to the resource return amount to the user resource account.

12. A resource processing device, running in a resource detection system, comprising: a request acquisition module configured to acquire a resource request created by a resource transfer operation on a resource object executed by the resource processing system; an accumulation processing module 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 updating module configured to update the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed; Among them, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform the following processing: the resource scheduling system creates an asynchronous processing task for resource accumulation processing of the resource objects under each resource account in the scheduling database and distributes it to each billing system in the billing system cluster, and each billing system uses asynchronous processing to execute the allocated asynchronous processing task.

13. A resource processing device comprising: processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: Obtaining a resource request created by a resource transfer operation on a resource object executed by a resource processing system; In response to the resource request, performing resource accumulation processing of the resource object in a corresponding time interval according to a resource processing template to obtain a resource accumulation amount; updating the historical resource accumulated amount of the resource object based on the resource accumulated amount, so as to perform resource benefit detection after the resource transfer of the resource object is completed; Among them, the historical resource accumulation amount is obtained by the resource scheduling system and the billing system cooperating to perform the following processing: the resource scheduling system creates an asynchronous processing task for resource accumulation processing of the resource objects under each resource account in the scheduling database and distributes it to each billing system in the billing system cluster, and each billing system uses asynchronous processing to execute the allocated asynchronous processing task.

14. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

Images