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

Abstract

The invention relates to a resource advance processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: acquiring resource pre-expenditure information fed back by a resource receiving client for a resource pre-expenditure account, and performing parameter analysis on the resource pre-expenditure information to obtain an account belonging place of the resource pre-expenditure account, an information source place of the resource pre-expenditure information and pre-expenditure confirmation time; under the condition that the account attribution and the information source are in different time zones, performing time conversion on the information source and the account attribution to obtain a first time conversion relation between the information source and the account attribution; converting the advance confirmation time based on the first time conversion relation to obtain equivalent confirmation time of the advance confirmation time in the account belonging place; and recording resource advance information according to the equivalent confirmation time. By adopting the method, the real-time performance of information recording can be improved.

Description

Technical Field

[0001] The present application relates to the field of computer technologies, and particularly to a method and apparatus for resource advance processing, a computer device, a computer-readable storage medium, and a computer program product. Background Art

[0002] With the rapid development of computer technologies, users can enjoy convenient and fast resource advance services through a resource advance client, and return the advanced resources to the resource advance server according to the agreed resource return date. Among them, the resource advance information recorded for the resource advance service serves as the basis for resource return.

[0003] In traditional technologies, in the case of cross-timezone resource advance, the resource receiving object reports the resource advance information to the resource advance server for review, and when the resource advance client passes the review, the resource advance is completed and recorded. Using traditional technologies, affected by the transmission path and working time differences, it takes several hours or even several days to complete the recording of cross-timezone resource advance information, resulting in recording delays. Therefore, traditional technologies have the problem of poor real-time information recording. Summary of the Invention

[0004] Based on this, in view of the above technical problems, it is necessary to provide a method and apparatus for resource advance processing, a computer device, a computer-readable storage medium, and a computer program product that can improve the real-time information recording.

[0005] In a first aspect, the present application provides a method for resource advance processing, the method including:

[0006] Obtain the resource advance information fed back by a resource receiving client for a resource advance account, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and advance confirmation time of the resource advance information; the resource advance information is fed back when reported to the resource advance server;

[0007] When the account location and the information source location are in different timezones, perform time conversion on the information source location and the account location to obtain a first time conversion relationship between the information source location and the account location;

[0008] Based on the first time conversion relationship, convert the advance confirmation time to obtain an equivalent confirmation time of the advance confirmation time in the account location;

[0009] Record the resource advance information according to the equivalent confirmation time.

[0010] Second aspect, the present application further provides a resource advance processing device, which is applied to a resource advance client. The device includes:

[0011] A geographical location confirmation module, configured to obtain the resource advance information fed back by the resource receiving client for the resource advance account, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and the advance confirmation time of the resource advance information; the resource advance information is fed back when reported to the resource advance server.

[0012] A time conversion relationship determination module, configured to perform time conversion on the information source location and the account location when the account location and the information source location are in different time zones, to obtain a first time conversion relationship between the information source location and the account location.

[0013] A time conversion module, configured to convert the advance confirmation time based on the first time conversion relationship to obtain an equivalent confirmation time of the advance confirmation time in the account location.

[0014] An information recording module, configured to record the resource advance information according to the equivalent confirmation time.

[0015] Third aspect, the present application further provides a resource advance processing system. The system includes a resource advance client, a resource receiving client, and a resource advance server;

[0016] The resource advance client is configured to initiate a resource advance request for a resource advance account to request the transfer of expected lent resources from a resource receiving object;

[0017] The resource receiving client is configured to respond to the resource advance request and feed back the confirmed resource advance information to the resource advance client and the resource advance server;

[0018] The resource advance client is configured to obtain the resource advance information, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and the advance confirmation time of the resource advance information; when the account location and the information source location are in different time zones, perform time conversion on the information source location and the account location to obtain a first time conversion relationship between the information source location and the account location; convert the advance confirmation time based on the first time conversion relationship to obtain an equivalent confirmation time of the advance confirmation time in the account location; record the resource advance information according to the equivalent confirmation time;

[0019] The resource advance server is used to advance resources to the resource advance account when it is confirmed according to the resource advance information that the resource advance account meets the resource advance conditions; the resources are received by the resource receiving object.

[0020] In a fourth aspect, the present application also provides a computer device. The computer device includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the above-mentioned resource advance processing method is implemented.

[0021] In a fifth aspect, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the above-mentioned resource advance processing method is implemented.

[0022] In a sixth aspect, the present application also provides a computer program product. The computer program product includes a computer program, and when the computer program is executed by a processor, the above-mentioned resource advance processing method is implemented.

[0023] For the above-mentioned resource advance processing method, device, computer device, computer-readable storage medium, and computer program product, in response to a resource advance request initiated by a resource advance client for a resource advance account, the resource receiving client feeds back the resource advance information to the resource advance client when feeding back the resource advance information to the resource advance server, so that during the process of the resource advance server auditing the resource advance conditions of the resource advance account, the resource advance client can perform a time zone consistency judgment on the account belonging location of the resource advance account and the information source location of the resource advance information to determine whether it involves cross-time zone resource advance. In the case of cross-time zone resource advance, time conversion is performed on the information source location and the account belonging location to obtain the first time conversion relationship between the information source location and the account belonging location, and based on this first time conversion relationship, the advance confirmation time is converted to obtain the equivalent confirmation time of the resource advance confirmation event at the account belonging location, and the resource advance information is recorded according to this equivalent confirmation time. It is not necessary to wait for the audit result of the cross-time zone resource advance server for the resource advance account, and the resource advance information can be recorded in real time. It is equivalent to recording the resource advance information in a way of recording first and then confirming, which can ensure the real-time nature of information recording. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] Figure 1 It is an application environment diagram of the resource advance processing method in an embodiment;

[0025] Figure 2 It is a flowchart of the resource advance processing method in an embodiment;

[0026] Figure 3Schematic diagram of the database update process in an embodiment;

[0027] Figure 4 Schematic diagram of the update confirmation process in an embodiment;

[0028] Figure 5 Schematic flowchart of the resource advance processing method in another embodiment;

[0029] Figure 6 Schematic diagram of the information reminder processing process in an embodiment;

[0030] Figure 7 Schematic diagram of the interaction process of the resource advance processing system in an embodiment;

[0031] Figure 8 Schematic diagram of the architecture of the resource advance client in an embodiment;

[0032] Figure 9 Schematic diagram of the cross - time - zone transaction process in an embodiment;

[0033] Figure 10 Structural block diagram of the resource advance processing device in an embodiment;

[0034] Figure 11 Internal structure diagram of a computer device in an embodiment. Detailed implementation manners

[0035] In order to make the purpose, technical solutions and advantages of this application clearer, the following further elaborates on this application in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not used to limit this application.

[0036] The resource advance processing method provided by the embodiments of this application can be applied to an application environment as shown in Figure 1 Among them, the resource advance client 110 is the client corresponding to the resource advance account, the resource receiving client 120 is the client corresponding to the resource receiving object, and the resource advance server 130 is the end that advances resources to the resource advance account. The advanced resources will be received by the resource receiving object. Any two of the resource advance client 110, the resource receiving client 120, and the resource advance server 130 can communicate through the network. The communication network can be a wired network or a wireless network. Therefore, any two ends can be directly or indirectly connected through wired or wireless communication methods. This application does not make any restrictions here.

[0037] Among them, the resource advance client 110 and the resource receiving client 120 can be terminals, and the resource advance server 130 can be a server or a terminal. In an optional embodiment, the resource advance server 130 can be the server of the resource advance service provider that provides the resource advance service. The terminal can be, but is not limited to, various desktop computers, laptop computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. The portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The clients installed on the terminal can include application programs that need to be installed separately, or can also include applets or web pages that can be used without downloading. The server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers. It can also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. The data storage system can store the data that the server needs to process. The data storage system can be set up separately, integrated on the server, or placed on the cloud or other servers.

[0038] As described above, in the case of cross-time zone resource advance, the resource receiving object reports the resource advance information to the resource advance server for review, and when the resource advance client passes the review, the resource advance is completed and recorded. Take the case where the resource advance account is a credit card account and the resource advance server is the server of the credit card issuer as an example. When a resource advance request is initiated by the credit card account with the resource receiving object being a merchant, the merchant needs to forward the corresponding resource advance information to the issuing bank corresponding to the credit card account through the acquiring bank (i.e., the merchant's bank) and the card organization in sequence. When the issuing bank confirms that the credit card account meets the transaction conditions based on the resource advance information, it advances resources to the credit card account and records it. In the case where the merchant and the issuing bank are in different time zones, due to the influence of the transmission path and the working time difference, it takes several hours or even several days to complete the condition review and information recording, which will cause a delay in recording. It is equivalent to recording the transaction through a retroactive accounting method. Not only will the recorded trading date be lagged, thus affecting the accuracy of the recorded information, but also the risk of data leakage or being tampered with will increase due to the information being in transit for a long time.

[0039] Based on this, the present application provides a resource advance processing method that can record resource advance information in real time in a cross-time zone resource advance scenario. As Figure 1As shown, the resource advance client 110 can initiate a resource advance request for a resource advance account by interacting with the resource receiving client 120, so as to request the transfer of the expected lent resources from the resource receiving object corresponding to the resource receiving client 120. The resource receiving client 120 can, in response to the resource advance request, report the resource advance information to the resource advance server 130, and on this premise, feedback the resource advance information to the resource advance client 110. As Figure 1 shown, on the one hand, the resource advance client 110 records information based on the resource advance information, specifically including: analyzing the parameters of the resource advance information to obtain the account location of the resource advance account targeted by the resource advance information, as well as the information source location and the advance confirmation time of the resource advance information; when the account location and the information source location are in different time zones, performing time conversion on the information source location and the account location to obtain the first time conversion relationship between the determined information source location and the account location; converting the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account location; and recording the resource advance information according to the equivalent confirmation time. On the other hand, the resource advance server 130 conducts eligibility verification on the resource advance account based on the resource advance information to determine whether the resource advance account meets the resource advance conditions. If the resource advance account meets the resource advance conditions, the resource advance server 130 advances resources to the resource advance account, and the advanced resources will be transferred to the resource receiving object. If the resource advance account does not meet the resource advance conditions, the resource advance server 130 can send feedback information indicating a failed advance to the resource advance client 110 and the resource receiving client 120, so as to instruct the resource advance client 110 to delete the recorded resource advance information.

[0040] By adopting the above resource advance processing method, it is not necessary to wait for the review result of the resource advance server 130 across time zones for the resource advance account. Instead, the resource advance client 110 records the resource advance information in real time. It is equivalent to recording information in a way of recording first and then confirming, which can ensure the real-time nature of information recording. It can not only improve the accuracy of the recorded information, but also shorten the in-transit transmission time of the information through real-time recording, thereby reducing the risk of data leakage or tampering.

[0041] In one embodiment, a resource advance processing method is provided. This method can be applied to a computer device, which can be a terminal or a server. Taking the resource advance client 110 in Figure 1 as an example for illustration, in this embodiment, as Figure 2 shown, the method includes the following steps:

[0042] Step S202, obtaining resource prepayment information fed back by the resource receiving client for the resource prepayment account, performing parameter analysis on the resource prepayment information, and obtaining the account location of the resource prepayment account, the information source location of the resource prepayment information, and the prepayment confirmation time.

[0043] Among them, the resource advance information is sent by the resource receiving client to the resource advance client and the resource advance service end in response to the resource advance request initiated by the resource advance client. And the resource advance information is further fed back to the resource advance client end when it is reported to the resource advance service end. The resource advance client end is intended to provide convenient resource advance services for the account owner through the resource advance account, which may specifically include account management services, bill query services, resource return services, etc. The resource advance account can also be called a credit payment account, which allows the resource advance service end to advance a certain amount of resources from the resource advance account held by the account owner according to the credit status of the account owner. In other words, the resource advance account is a resource account that the account owner applies for from the resource advance service provider and is issued to the account owner by the resource advance service provider. The resource advance account records the relevant information of the account owner and has the resource amount quota and advance function granted by the resource advance service provider to the account owner. The account owner can use the resource advance account to advance a certain amount of resources within the resource amount quota range and return the advanced resources within the specified period. Optionally, the resource advance account may be a credit card account or other credit account provided by the resource advance service provider to the account owner.

[0044] Resource advance information refers to information used to describe a resource advance request event, which may specifically include account information of a resource advance account, the type of resources to be advanced, the amount of resources, etc. The information source of the resource advance information refers to the geographical location of the resource receiving client that feeds back the resource advance information. In an optional embodiment, the resource receiving client may adjust and obtain the resource advance information based on the original advance information determined by the resource advance client through the resource advance request. Exemplarily, the resource receiving client may correct the resource type in the original advance information to obtain the resource advance information when the resource type in the original advance information is inconsistent with the target type acceptable to itself and the resource advance client has the resource advance authority for the target type; the resource receiving client may also provide an electronic voucher to the resource advance account, and offset the discount amount corresponding to the electronic voucher on the basis of the resource amount in the original advance information to obtain the resource advance information.

[0045] Parameters of the resource advance information may include the location to which the resource advance account targeted by the resource advance information belongs, the source location of the resource advance information, the advance confirmation time, etc. Among them, the location to which the resource advance account belongs may refer to the location of account ownership selected by the account owner when applying for the resource advance account. In the case where the account owner does not select the location of account ownership, the location to which the account belongs may also be the location of the resource advance service provider that provides the resource advance service to the resource advance account. For example, the location of the issuing bank of a credit card account. The advance confirmation time may be the time when the resource receiving client generates or outputs the resource advance information.

[0046] In practical applications, the account owner of the resource advance account may initiate a resource advance request for the resource advance account through the resource advance client. Taking the case where the resource advance account is a credit card account as an example, the account owner may enter the account information of the credit card account when swiping the card in a physical store or making an online payment to initiate a resource advance request with the physical store or online merchant as the resource receiving object. On the one hand, the resource receiving client corresponding to the resource receiving object may send the resource advance information to the resource receiving server (i.e., the service institution that provides resource management services to the resource receiving object) through a POS terminal (Point of Sale Terminal) or an online payment system. The resource receiving server may send an authorization request to the resource advance server through a payment processor. The authorization request carries the resource advance information, which is used to instruct the resource advance server to conduct an advance condition review on the resource advance account based on the resource advance information to confirm whether the resource advance account meets the resource advance conditions.

[0047] On the other hand, the resource receiving client may also feedback the resource advance information to the resource receiving client to inform that an authorization request has been initiated to the resource advance server. Thus, the resource advance client may obtain the resource advance information feedback by the resource receiving client and determine the location to which the resource advance account belongs, the source location of the resource advance information, and the advance confirmation time by analyzing the parameters of the resource advance information.

[0048] The specific method of analyzing the parameters of the resource advance information is not unique.

[0049] In an optional embodiment, the resource advance client may determine the resource advance account targeted by the resource advance information according to the advance account identifier associated in the resource advance information, and further query the location to which the resource advance account belongs from the account information of the resource advance account. Optionally, the resource advance client may also obtain the location of account ownership confirmed by the account holder in response to the account holder's confirmation operation on the location of the resource advance account.

[0050] In an optional embodiment, since the message identification number in the communication protocol is used to identify the source and destination of communication information, the resource advance client can obtain the source location of the resource advance information by identifying the source identification in the communication message where the resource advance information is located.

[0051] In an optional embodiment, the resource receiving client sends the resource advance information to the resource advance client through a communication data packet. Thus, the resource receiving client can obtain the source location of the resource advance information by analyzing the communication address in the communication data packet.

[0052] Step S204: When the account location and the information source location are in different time zones, perform time conversion on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location.

[0053] Among them, a time zone refers to a region on the earth divided according to longitude. Each time zone has its own standard time, so that all places within the same time zone use the same time. For example, generally the globe is divided into 24 main time zones, and each time zone differs by 15° of longitude. As the longitude moves eastward or westward, the time will increase or decrease accordingly. Such a division is to simplify the management and coordination of global time, so that people can conveniently understand the time when crossing different regions. It can be understood that different time zone division methods can result in different time zones. For example, the common legal time zone refers to the standard time region divided by a country or region according to longitude, also known as the standard time zone. Each country or region has its own legal time zone to unify the time within the country or region. These time zones are usually based on the standard time of the main city or capital of the country or region.

[0054] Specifically, the resource receiving client can determine the time zones where the account location and the information source location are located respectively according to their respective longitudes and latitudes and the global time zone division, and judge whether the time zones they are in are the same. If the account location and the information source location are in the same time zone, it indicates that the current is a resource advance service under the same time zone. At this time, the resource advance client can record the resource advance information according to the advance confirmation time. Meanwhile, the resource advance server can judge whether the resource advance account meets the resource advance conditions based on the resource advance information. If the resource advance account meets the resource advance conditions, the resource advance server advances resources to the resource advance account. In this case, the pre-recorded resource advance information can be further recorded in the resource settlement bill to indicate the resource advance account to return resources.

[0055] If the account's location and the information source location are in different time zones, the resource advance client can perform time conversion on the information source location and the account's location according to the time zones to which the account's location and the information source location belong respectively, so as to obtain the first time conversion relationship between the account's location and the information source location.

[0056] In an optional embodiment, the resource advance client can determine the offsets of the time zones to which the account's location and the information source location belong respectively relative to the reference time zone, and then, according to the offsets of each time zone, perform time conversion on the information source location and the account's location to obtain the first time conversion relationship between the account's location and the information source location. The reference time zone can be, for example, the first time zone where the information source location is located, or the second time zone where the number of sheets belongs, or other configured time zones.

[0057] In an optional embodiment, the resource advance client can perform time conversion on the information source location and the account's location according to the time zone difference between the time zones to which the account's location and the information source location belong respectively, so as to obtain the first time conversion relationship between the account's location and the information source location. The time offset corresponding to a time zone difference is one hour.

[0058] In an optional embodiment, the resource advance client can combine the time zone difference between the time zones to which the account's location and the information source location belong respectively, and the daylight saving time information of the time zones to which the account's location and the information source location belong respectively, to perform time conversion on the information source location and the account's location, so as to obtain the first time conversion relationship between the account's location and the information source location. Exemplarily, if the account's location is in the eighth time zone east and the information source location is in the fifth time zone west, the time zone difference is 13. If the information source location is currently implementing daylight saving time, the influence of daylight saving time needs to be superimposed, and the time zone difference is corrected to 12, and further determine the first time conversion relationship corresponding to the time zone difference.

[0059] Step S206: Based on the first time conversion relationship, convert the advance confirmation time to obtain the equivalent confirmation time of the advance confirmation time at the account's location.

[0060] Specifically, the resource advance client can convert the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account's location. The equivalent confirmation time can include date information and time information. If the calculated time exceeds the current date range, the date needs to be adjusted. Exemplarily, if the calculation result is negative, 24 hours need to be added. If the calculation result exceeds 24 hours, one day needs to be subtracted.

[0061] Step S208: Record the resource advance information according to the equivalent confirmation time.

[0062] Among them, the resource advance information is used to instruct the resource advance server to advance resources to the resource advance account when the resource advance server confirms that the resource advance account meets the resource advance conditions. The resource advance conditions can be characterized by account validity, information integrity, resource quantity limit, etc. Exemplarily, the resource advance server can determine that the resource advance account meets the resource advance conditions when the resource advance account is within the validity period, the resource advance information is complete, and the amount of resources requested for advance meets the limit conditions corresponding to the resource quantity limit. In some embodiments, the resource quantity limit of the account may include at least one of the single-advance resource quantity limit or the cumulative-advance resource quantity limit. Optionally, the limit conditions may include that the amount of resources in the resource advance information is less than or equal to the single-advance resource quantity limit, or at least one of that the sum of the current cumulative advance resources of the resource advance account and the amount of resources in the resource advance information is less than or equal to the cumulative-advance resource quantity limit.

[0063] Specifically, the communication path between the resource receiving client and the resource advance client is shorter than the communication path between the resource receiving client and the resource advance server. Therefore, the resource advance client can receive the resource advance information fed back by the resource receiving client relatively in real time, and determine whether it is a cross-timezone resource advance service through time zone confirmation. In the case where it is a cross-timezone resource advance service currently, through time conversion, the advance confirmation time of the information source corresponding to the resource receiving client is converted into the equivalent confirmation time of the account location, and finally the resource advance information is recorded according to the equivalent confirmation time.

[0064] As for the resource advance server, after receiving the resource advance information, it confirms whether the resource advance account meets the resource advance conditions based on the resource advance information. If the resource advance account meets the resource advance conditions, it advances resources to the resource advance account. The advanced resources will be transferred to the resource receiving object. It can be understood that due to the influence of the transmission path and working time differences, the resource advance server usually completes the verification of the resource advance conditions after the resource advance client records the resource advance information. Based on this, when the resource advance server advances resources to the resource advance account, the resource advance information recorded by the resource advance client can be further recorded in the resource settlement bill to instruct the resource advance client to return the resources in a timely manner later.

[0065] In an alternative embodiment, if the resource advance account does not meet the resource advance conditions, the resource advance server may send feedback information of advance failure to the resource advance client and the resource receiving client to instruct the resource advance client to delete the recorded resource advance information.

[0066] During the above resource advance processing, in response to a resource advance request initiated by the resource advance client for a resource advance account, when the resource receiving client feeds back resource advance information to the resource advance server, it feeds back the resource advance information to the resource advance client, so that during the review process of the resource advance conditions for the resource advance account by the resource advance server, the resource advance client can judge the time zone consistency of the account location of the resource advance account and the information source location of the resource advance information to determine whether cross-time zone resource advance is involved. In the case of cross-time zone resource advance, the time is converted for the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location, and based on this first time conversion relationship, the advance confirmation time is converted to obtain the equivalent confirmation time of the resource advance event at the account location, and the resource advance information is recorded according to this equivalent confirmation time. It is not necessary to wait for the review result of the resource advance account by the cross-time zone resource advance server, and the resource advance information is recorded in a way of recording first and then confirming, which can ensure the real-time nature of information recording, not only improve the accuracy of the recorded information, but also shorten the in-transit transmission time of the information through real-time recording, thereby reducing the risk of data leakage or tampering.

[0067] In one embodiment, when the account location and the information source location are in different time zones, converting the time of the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location includes: obtaining the correspondence between time zones and geographical locations and the time offsets of different time zones relative to Coordinated Universal Time respectively; determining the time zones where the account location and the information source location are located respectively according to the correspondence; when the account location and the information source location are in different time zones, based on each time offset, converting the time of the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location.

[0068] Among them, the geographical location can be characterized by the longitude and latitude range or the geographical area range. This geographical area range is usually associated with a specific region. Universal Coordinated Time (UTC) is a time measurement system based on the second of International Atomic Time and adjusted with leap seconds. The second of UTC is equal to the second of atomic time, that is, a fixed value of the cesium atom transition frequency. However, due to the non-uniformity of the Earth's rotation speed, a deviation will gradually occur between Universal Time and Atomic Time. When this deviation exceeds 0.9 seconds, the International Earth Rotation and Reference Systems Service (IERS) will adjust UTC by adding or subtracting a leap second to keep it close to atomic time. This adjustment usually occurs on June 30th or December 31st of each year.

[0069] Specifically, the resource advance client can obtain time zone information from the databases of authoritative organizations such as IANA (Internet Assigned Numbers Authority) or ISO (International Organization for Standardization). This time zone information can include the correspondence between time zones and geographical locations, as well as the time offsets of different time zones relative to UTC respectively. Exemplarily, the Earth is divided into 24 time zones, each time zone differing by 1 hour. Taking UTC as the reference, for example, the eighth time zone east is 8 hours earlier than UTC, while the fifth time zone west is 5 hours later than UTC.

[0070] Then, the resource advance client can respectively determine the time zones where the account location and the information source location are located according to the geographical locations of the account location and the information source location respectively, as well as the correspondence between time zones and geographical locations. If the account location and the information source location are in the same time zone, it indicates that the current is a resource advance service in the same time zone. At this time, the resource advance client does not need to perform time conversion and can directly record the resource advance information according to the advance confirmation time. If the account location and the information source location are in different time zones respectively, the resource advance client can add or subtract the time offset of one of the time zones where the account location and the information source location are located to determine the first time conversion relationship between the information source location and the account location.

[0071] In an optional embodiment, the time offset includes an offset direction and an offset value. It can be understood that the offset directions of the time zones in the same hemisphere are the same, that is, the Eastern Hemisphere is earlier than UTC, and the Western Hemisphere is later than UTC. Optionally, if the offset directions of the time zones where the account location and the information source location are located are the same, the resource advance client can subtract the offset value of one of the time zones where the account location and the information source location are located from the offset value of the other time zone to obtain the first time conversion relationship between the account location and the information source location. Exemplarily, if the account location is the eighth time zone east and the information source location is the fifth time zone east, the first time conversion relationship between the account location and the information source location can be expressed as T1 = T2 + (8 - 5), that is, T1 = T2 + 3. Where T1 is the time of the account location and T2 is the time of the information source location.

[0072] Optionally, if the offset directions of the time zones where the account location and the information source location are located are opposite, the resource advance client can add the offset value of one of the time zones where the account location and the information source location are located to the offset value of the other time zone to obtain the first time conversion relationship between the account location and the information source location. Exemplarily, if the account location is the eighth time zone east and the information source location is the fifth time zone west, the first time conversion relationship between the account location and the information source location can be expressed as T1 = T2 + (8 + 5), that is, T1 = T2 + 13. Where T1 is the time of the account location and T2 is the time of the information source location.

[0073] In the above embodiment, determining the first time conversion relationship between the information source location and the account location according to the time offsets of the time zones where the account location and the information source location are located relative to Coordinated Universal Time can improve the accuracy of the determined time conversion relationship, which is beneficial to improving the efficiency and consistency of time management.

[0074] In an embodiment, the resource advance processing method further includes: determining at least one daylight saving time area configured with daylight saving time information. In the case of this embodiment, based on each time offset, performing time conversion on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location, including: in the case that the first daylight saving time area where the information source location is located is included in each daylight saving time area and the advance confirmation time meets the daylight saving time implementation conditions of the first daylight saving time area, performing time conversion on the information source location and the account location based on each time offset and the daylight saving time implementation method of the first daylight saving time area to obtain the first time conversion relationship between the information source location and the account location.

[0075] Among them, Daylight Saving Time (DST) is a system that advances the time by a preset time by adjusting the clock, aiming to utilize the long daylight hours in summer, reduce the dependence on artificial lighting, thereby saving energy and improving the quality of life. DST information includes the implementation conditions and implementation methods of DST. The implementation conditions of DST can be characterized by a time period. For example, each day within the time period from March 9th to November 2nd satisfies the implementation conditions of DST. The implementation method of DST can be to advance the time by a preset time when entering the DST state and set it back by the preset time when ending the DST state. The preset time can be 1 hour, half an hour, etc. The correspondence between DST regions and time zones is not unique. A time zone and a DST region can correspond one-to-one, or a time zone can include multiple DST regions with different DST information, and a DST region can span multiple time zones.

[0076] Specifically, when performing time conversion, the resource advance client can also consider the impact of DST to further improve the accuracy of the conversion result. The resource advance client can obtain the configured DST information from the databases of authoritative institutions such as IANA or ISO, and determine at least one DST region configured with DST information according to the mapping relationship between the DST information and the DST region. Then, the resource advance client can determine whether the information source location is configured with DST information, that is, whether the information source location is within any DST region, based on the geographical location of the information source and the geographical location ranges of each DST region.

[0077] Optionally, if the information source location does not belong to any DST region, the impact of DST does not need to be considered when determining the first time conversion relationship. Exemplarily, if the account location is in the eighth time zone east and the information source location is in the fifth time zone west, the first time conversion relationship between the account location and the information source location can be expressed as T1 = T2+(8 + 5), that is, T1 = T2 + 13. Where T1 is the time of the account location and T2 is the time of the information source location.

[0078] Optionally, if the first daylight saving time (DST) region where the information source location is located is included in each DST region, and the advance confirmation time meets the DST implementation conditions of the first DST region, the resource advance client can perform time conversion on the information source location and the account's affiliated location based on each time offset and the DST implementation method of the first region, to obtain the first time conversion relationship between the information source location and the account's affiliated location. Exemplarily, taking the case where the account's affiliated location is in the eighth time zone east and the information source location is in the fifth time zone west as an example, if the DST real-time method of the first DST region where the information source location is located is to advance the time by 1 hour, the determined first time conversion relationship is T1 = T2 + (8 + 5 - 1), that is, T1 = T2 + 12. Where T1 is the time of the account's affiliated location and T2 is the time of the information source location.

[0079] In the above embodiments, when the information source location is in the DST state, considering the DST implementation method of the information source location when determining the first time conversion relationship between the information source location and the account's affiliated location can further improve the accuracy of the determined first time conversion relationship.

[0080] In one embodiment, converting the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account's affiliated location includes: in the case where each DST region includes the second DST region where the account's affiliated location is located, converting the advance confirmation time according to the first time conversion relationship to obtain the advance conversion time of the advance confirmation time at the account's affiliated location; in the case where the advance conversion time meets the DST implementation conditions of the second DST region, correcting the advance conversion time according to the DST implementation method of the second DST region to obtain the equivalent confirmation time of the advance confirmation time at the account's affiliated location.

[0081] During the process of performing time conversion, the resource advance client can also consider the case where the account's affiliated location is in the DST state. Specifically, the resource advance client can determine whether the account's affiliated location is configured with DST information based on the geographical location of the account's affiliated location and the geographical location ranges of each DST region, that is, whether the account's affiliated location is in any DST region. It can be understood that if the account's affiliated location does not belong to any DST region, the impact of DST does not need to be considered when performing time conversion. In the case where each DST region includes the second DST region where the account's affiliated location is located, the resource advance client can first convert the advance confirmation time according to the first time conversion relationship to obtain the advance conversion time of the advance confirmation time at the account's affiliated location. Then, it determines whether the advance conversion time meets the DST real-time conditions of the second DST region.

[0082] Optionally, in the case where the advance conversion time does not meet the daylight saving time real-time condition of the second daylight saving time region, the resource advance client can use the advance conversion time as the equivalent confirmation time at the account's location for advance confirmation.

[0083] Optionally, in the case where the advance conversion time meets the daylight saving time implementation condition of the second daylight saving time region, the resource advance client can correct the advance conversion time according to the daylight saving time implementation method of the second daylight saving time region to obtain the equivalent confirmation time at the account's location for advance confirmation. Exemplarily, taking the case where the account's location is in the eighth time zone, the information source location is in the fifth time zone, and the daylight saving time implementation method of the account's location is to advance by 1 hour as an example, if the advance conversion time obtained according to the first time conversion relationship meets the daylight saving time real-time condition of the account's location, 1 hour can be added to the advance conversion time to obtain the equivalent confirmation time at the account's location for advance confirmation. That is: T1 = T2 + 14.

[0084] In the above embodiment, when the account's location is in the daylight saving time region, in the case where the advance conversion time obtained by time conversion meets the corresponding daylight saving time real-time condition, the advance conversion time is corrected according to the daylight saving time implementation method to obtain the equivalent confirmation time at the account's location for advance confirmation, which can ensure the accuracy of the equivalent confirmation time.

[0085] In a specific embodiment, the resource advance client can determine at least one daylight saving time region configured with daylight saving time information, and respectively match the geographical location ranges of each daylight saving time region with the geographical locations of the information source location and the account's location to determine whether the information source location and the account's location are in the daylight saving time region. In the case where the first daylight saving time region where the information source location is located and the second daylight saving time region where the account's location is located are included in each daylight saving time region, the resource advance client can first determine whether the advance confirmation time meets the daylight saving time implementation condition of the first daylight saving time region. If the advance confirmation time meets the daylight saving time implementation condition of the first daylight saving time region, the resource advance client can determine the first time conversion relationship between the information source location and the account's location based on the time offset between the time zones where the information source location and the account's location are located and the daylight saving time implementation method of the first daylight saving time region. Then, the advance confirmation time is converted according to the first time conversion relationship to obtain the advance conversion time at the account's location for the advance confirmation time. If the advance conversion time meets the daylight saving time implementation condition of the second daylight saving time region, the resource advance client can further correct the advance conversion time according to the daylight saving time implementation method of the second daylight saving time region to obtain the equivalent confirmation time at the account's location for the advance confirmation time.

[0086] In the above embodiments, the impact of daylight saving time is considered in both the determination process of the first time conversion relationship and the time conversion process, which can further improve the accuracy of the determined equivalent confirmation time.

[0087] In one embodiment, obtaining the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively, includes: obtaining the current version of the time zone data file from an authoritative institution at a set time interval; downloading the time zone data file from the authoritative institution when the current version is inconsistent with the historical version corresponding to the local storage file; and parsing the time zone information from the time zone data file when the time zone data file passes the verification.

[0088] Among them, the time zone information includes the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively. Specifically, the resource advance client can set a scheduled task triggered automatically at a set time interval to periodically start the data update module. When the data update module is started, the resource advance client can establish a network connection with the authoritative institution to request the latest time zone data file. Optionally, the resource advance client can first obtain the current version of the time zone data file from the authoritative institution and determine whether the current version is consistent with the historical version corresponding to the local storage file. If the two are consistent, it means that the local storage file is already the latest version and no data update is required. If the current version is inconsistent with the historical version corresponding to the local storage file, the resource advance client can download the time zone data file from the authoritative institution.

[0089] Optionally, if the download of the time zone data file fails, the resource advance client can record a detailed failure log and output an alarm notification to indicate that the data download has failed. The failure log can include the failure time, error reason, etc. Further, if the download of the time zone data file is successful, the resource advance client can further verify the downloaded file and parse the time zone information from the time zone data file when the time zone data file passes the verification.

[0090] Optionally, the time zone data file can also include daylight saving time information. The resource advance client can parse the time zone information and the daylight saving time information configured for multiple daylight saving time regions respectively from the time zone data file when the time zone data file passes the verification.

[0091] In an alternative embodiment, obtaining the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively, includes: downloading the time zone data file from an authoritative institution at a set time interval and further parsing the time zone information from the time zone data file.

[0092] In an optional embodiment, obtaining the correspondence between time zones and geographical locations, as well as the time offsets of different time zones relative to the reference time zone respectively, includes: obtaining the current version of the time zone data file from an authoritative institution; in the case where the current version is inconsistent with the historical version corresponding to the local storage file, downloading the time zone data file from the authoritative institution, and further parsing the time zone information from the time zone data file.

[0093] Optionally, the resource advance client can verify the time zone data file, and in the case where it passes the verification, further parse the time zone information from the time zone data file.

[0094] Optionally, the verification performed on the time zone data file can include at least one of integrity verification, file format verification, data checksum verification, etc.

[0095] In a specific implementation, as Figure 3 shown, the resource advance client can set a scheduled task that is automatically triggered at a set time interval, and start the data update module when the scheduled task is triggered. When the data update module is started, the resource advance client can establish a network connection with the authoritative institution to download the latest time zone data file. The time zone data file can include time zone information and daylight saving time information. If the download fails, the resource advance client can record the download failure log and send an alarm notification. If the download is successful, the resource advance client further verifies the integrity of the data, and in the case where the verification passes, parses the downloaded time zone data file to extract the time zone information and daylight saving time information for updating the local database. If the time zone data file fails the verification, the resource advance client can record the error log and send an alarm notification.

[0096] In the above embodiment, obtaining the time zone information at a preset time interval can obtain the latest time zone information in a timely manner, which is beneficial to improving the accuracy of the time conversion relationship determined based on the time zone information; downloading the data file only when the current version corresponding to the authoritative institution is inconsistent with the historical version corresponding to the local storage file can avoid repeated downloads of the data file and save resources; parsing the time zone information in the case where the time zone data file passes the verification can ensure the accuracy of the time zone information.

[0097] In an embodiment, the resource advance processing method further includes: writing the time zone information into a temporary storage space; in the case where the time zone information written in the temporary storage space passes the verification, replacing the historical time zone information stored in the local storage file with the time zone information.

[0098] Specifically, the local storage space of the resource advance client can include a temporary storage space for storing temporary data and a formal storage space for storing formal data. Among them, the formal data is the data applied in the resource advance process, that is, the data information stored in the local storage file. The storage methods of the data information in the database can include data tables, data files, etc. The resource advance client can first write the latest downloaded time zone information into the temporary storage space, and then verify the time zone information written into the temporary storage space. When the time zone information written into the temporary storage space passes the verification, the original historical time zone information in the local storage file is replaced with this time zone information.

[0099] In an optional embodiment, the resource advance client can first write the latest downloaded time zone information into a temporary table, and when the time zone information written into the temporary table passes the verification, replace the original historical time zone information in the formal table with this time zone information.

[0100] Optionally, when the time zone information and daylight saving time information are obtained from an authoritative institution, the resource advance client can write the time zone information and daylight saving time information into the temporary storage space, verify them separately, and then write the data information that passes the verification into the local storage file. Exemplarily, if the time zone information passes the verification, the resource advance client can replace the original historical time zone information in the local storage file with this time zone information; if the daylight saving time information passes the verification, the resource advance client can replace the original historical daylight saving time information in the local storage file with this daylight saving time information. Thus, the daylight saving time information and the time zone information can be updated separately, which is beneficial to improving the flexibility of the resource advance process.

[0101] Optionally, the specific methods for verifying data information include at least one of data format verification, integrity verification, or consistency verification, etc. Through the data verification mechanism, it can be ensured that the data written into the formal storage space is accurate and error-free, and it can avoid incorrect data being directly written into the formal storage space, thereby reducing the risk of data contamination.

[0102] In an optional embodiment, the resource advance client can update the data information through a practice management mechanism to ensure the atomicity of the data update process, as well as the integrity and consistency of the data update result. Exemplarily, such as Figure 4As shown, the resource advance client can initiate a database update transaction to write the newly obtained data information into a temporary table. The data information can include at least one of time zone data or daylight saving time data. Then, multi-dimensional validations such as data format, data integrity, and data consistency are performed on the data information in the temporary table. In the case of successful validation, the data information replaces the old data in the formal table, and the database transaction is committed, a log of successful data update is recorded, and relevant business modules are notified that the data has been updated. Through the transaction submission mechanism, the consistency of data update can be ensured; through the notification mechanism, it can be ensured that each module of the system can respond to data changes in a timely manner and apply the latest data information to correct the time information during the resource advance processing. If the validation fails, the database transaction can be rolled back to revoke all temporarily written data information, a detailed error log is recorded, and an alarm message is output to indicate that the data update has failed. Among them, the specific content of the error log can include the error type, occurrence time, data problems, etc. Through the transaction rollback mechanism, data consistency can be ensured; through the error recording and alarm mechanism, problems can be discovered and processed in a timely manner.

[0103] Optionally, the time information that needs to be corrected can include the check-in and check-out times of the hotel when booking a cross-time zone hotel through resource advance, and can also include the shipping time and estimated arrival time of the item when shopping for e-commerce across time zones, and can also include the departure time and arrival time of the cross-time zone itinerary when booking an airplane ticket through resource advance, and can also include the subscription time and expiration time of the cross-time zone service when booking a cross-time zone service through resource advance, and so on. Among them, the cross-time zone service can specifically include car rental services, reservation services of third-party service providers, meeting reservation services, digital resource subscription services, and so on.

[0104] In the above embodiment, the newly obtained time zone information is first written into the temporary storage space, and in the case where the written time zone information passes the validation, the historical time zone information stored in the local storage file is replaced with this time zone information, which can ensure the accuracy of the time zone information written into the formal storage space, thereby reducing the risk of data pollution.

[0105] In one of the embodiments, the resource advance information is recorded according to the equivalent confirmation time, including: using the equivalent confirmation time as the resource advance time to record the resource advance information. In the case of this embodiment, the resource advance method further includes: determining a resource settlement bill containing the resource advance information when the resource advance server advances resources to the resource advance account.

[0106] Among them, the resource settlement bill is used to record the resource advance activities of the resource advance account within a billing cycle and is the basis for the resource advance account to return the advanced resources. The resource advance time refers to the time when a resource advance matter occurs between the resource advance account and the resource receiving object, which can be understood as the transaction time.

[0107] Specifically, the resource advance client can use the equivalent confirmation time as the resource advance time and record the resource advance information to achieve real-time recording of the resource advance information. When the resource advance server completes the conditional review of the resource advance account and advances resources to the resource advance account, the resource advance client can further generate a resource settlement bill containing the resource advance information and synchronize it to the resource advance server, or the resource advance server can further generate a resource settlement bill containing the resource advance information and synchronize it to the resource advance client. In an optional embodiment, the resource settlement bill may include a recording time, which is used to indicate the time when the resource advance information is recorded in the resource settlement bill. It can be understood that the recording time is usually later than the transaction time.

[0108] In the above embodiment, using the equivalent confirmation time as the resource advance time can achieve real-time recording of the resource advance information. After the resource advance client completes the conditional review, the previously recorded resource advance information is further written into the resource settlement bill, which can shorten the in-transit transmission time of the resource advance information and reduce the risk of information tampering while ensuring the accuracy of the recorded information.

[0109] In an optional embodiment, the resource advance processing method further includes: determining the expected resource return time of the resource settlement bill at the place where the account belongs and the location of the client corresponding to the resource advance account; when the location of the client and the place where the account belongs are in different time zones, performing time conversion on the location of the client and the place where the account belongs to obtain the second time conversion relationship between the location of the client and the place where the account belongs; performing time conversion on the expected resource return time according to the second time conversion relationship to determine the equivalent return time of the expected resource return time at the location of the client; when the current time at the location of the client meets the resource return condition characterized by the equivalent return time, outputting a resource return prompt message for the resource settlement bill.

[0110] Among them, the expected resource return time refers to the time when it is expected that the resource advance account completes the resource return. Conducting resource return after the expected resource return time will result in overdue and affect the account credit. Optionally, the expected resource return time may refer to the bill repayment date of the credit card.

[0111] The location of the client corresponding to the resource advance account refers to the location of the resource advance client used to manage the resource advance account. Optionally, the location of the client can be determined based on the location information of the terminal where the resource advance client is installed. The location information can be the location information determined based on an inertial navigation system or a global positioning system, or the location information determined based on a communication base station or other network devices. In practical applications, the location of the client can change with the change of the location of the terminal; in some cases, the location of the client can also be manually set by the account holder.

[0112] Based on this, the resource advance client can determine the expected resource return time of the resource settlement bill at the account location and the location of the client corresponding to the resource advance account. Optionally, the resource advance client can periodically read the location information of the client to determine the location of the client corresponding to the resource advance account; the resource advance client can also respond to the client location information change event to determine the location of the client corresponding to the resource advance account, that is, in the case where the client location changes, determine the location of the client. After determining the location of the client, the resource advance client can further determine the time zones where the account location and the client location are located respectively according to the respective longitude and latitude of the account location and the client location and the global time zone division, and judge whether the time zones where the two are located are the same. In the case where the account location and the client location are in the same time zone, it indicates that there is no cross-time zone resource return business currently, and there is no need to perform time conversion for the expected resource return time.

[0113] In the case where the client location and the account location are in different time zones, it indicates that there is a cross-time zone resource return business currently. At this time, the resource advance client can perform time conversion on the client location and the account location according to the respective time zones to which the client location and the account location belong, and obtain the second time conversion relationship between the client location and the account location. Then, perform time conversion on the expected resource return time according to the second time conversion relationship to determine the equivalent return time of the expected resource return time at the client location, and output a resource return prompt message for the resource settlement bill when the current time at the client location meets the resource return condition characterized by the equivalent return time.

[0114] Optionally, when the current time at the location of the client does not meet the resource return condition, the resource advance client can monitor the time zone change at the location of the client. If the time zone at the location of the client changes, the equivalent return time needs to be updated accordingly. Exemplarily, the resource advance client can respond to the time zone change event at the location of the client, update the second time conversion relationship according to the changed time zone, and perform time conversion on the resource return expected time according to the updated second time conversion relationship to obtain the updated equivalent return time. Exemplarily, the resource advance client can also determine the time conversion relationship between the time zones at the location of the client before and after the change according to the second time conversion relationships before and after the change, and perform secondary conversion on the equivalent return time according to this time conversion relationship to obtain the updated equivalent return time.

[0115] Optionally, the resource return condition can be characterized by the equivalent return time. Considering that cross-time zone resource return services may be delayed due to time zone differences, the resource return condition can be that the current time at the location of the client is before the equivalent return time, and the time difference between the current time and the equivalent return time is greater than or equal to the time difference threshold. The time difference threshold can be, for example, 2 days or 3 days, etc.

[0116] Optionally, during the process of performing time conversion on the resource return expected time according to the second time conversion relationship, the time delay caused by cross-time zone resource return can be considered. Perform time conversion on the resource return expected time according to the second time conversion relationship, and superimpose the influence of the time delay to determine the equivalent return time of the resource return expected time at the location of the client. In this case, the resource return condition can be that the current time at the location of the client reaches the equivalent return time.

[0117] It can be understood that the determination method of the second time conversion relationship and the specific process of performing time conversion according to the second time conversion relationship can both refer to the relevant content of the first time conversion relationship in the above text, considering the influence of daylight saving time information to obtain more accurate time information.

[0118] Optionally, the resource return prompt information can include the time zone of the account location, the current time and the resource return expected time, and the time zone of the client location, the current time and the equivalent return time.

[0119] Optionally, the resource advance client can output the resource return prompt information for the resource settlement bill to the notification channels set by the account holder. The notification channels can include, for example, short messages, clients, emails, etc.

[0120] In the above embodiments, outputting the resource return prompt information for the resource settlement bill based on the equivalent return time of the resource return expected time at the location of the client can ensure the accuracy of the resource return prompt information.

[0121] In a real-time example, the resource advance processing method further includes: in response to a resource advance reservation request initiated for a resource advance account, determining a resource receiving object of the requested advanced resource and an expected transfer-in time of the requested advanced resource at the place of belonging of the resource receiving object; in the case where the location of the client of the resource advance account and the place of belonging of the object are in different time zones, performing time conversion on the location of the client and the place of belonging of the object to obtain a third time conversion relationship between the location of the client and the place of belonging of the object; performing time conversion on the expected transfer-in time according to the third time conversion relationship to determine an equivalent transfer-in time of the resource advance reservation request at the location of the client; and in the case where the current time at the location of the client meets the advance trigger condition characterized by the equivalent transfer-in time, triggering a resource advance request corresponding to the resource advance reservation request to request to transfer the expected lent resource to the resource receiving object.

[0122] In practical applications, the account owner of a resource advance account can advance resources by means of early reservation. Specifically, the account owner can initiate a resource advance reservation request for the resource advance account through a resource advance client, specifying the resource receiving object of the requested advanced resource and the expected transfer-in time of the requested advanced resource at the place of belonging of the resource receiving object. Exemplarily, an appointment meeting, a car rental reservation, a digital service subscription reservation, a tuition payment reservation, etc. can be initiated by means of early reservation. Thus, the resource advance client can, in response to the resource advance reservation request, extract relevant information from the request information carried by the resource advance reservation request to determine the resource receiving object of the requested advanced resource and the expected transfer-in time of the requested advanced resource at the place of belonging of the resource receiving object. Then, the resource advance client can further determine the time zones where the location of the client of the resource advance account and the place of belonging of the object are respectively located according to the respective latitudes and longitudes of the location of the client and the place of belonging of the object and the global time zone division, and determine whether the time zones where they are located are the same. In the case where the place of belonging of the object and the location of the client are in the same time zone, it indicates that there is no cross-time zone resource advance reservation service currently, and there is no need to perform time conversion on the expected transfer-in time.

[0123] When the location where the client is located and the location where the object belongs are in different time zones, it indicates that a cross-time zone resource advance reservation service is currently involved. At this time, the resource advance client can perform time conversion on the location where the client is located and the location where the object belongs according to the time zones to which they respectively belong, and obtain the third time conversion relationship between the location where the client is located and the location where the object belongs. Then, perform time conversion on the expected transfer-in time according to the third time conversion relationship, determine the equivalent transfer-in time of the resource advance reservation request at the location where the client is located, and when the current time at the location where the client is located meets the advance trigger condition characterized by the equivalent transfer-in time, trigger the resource advance request corresponding to the resource advance reservation request to request the transfer of the expected lent resources to the resource receiving object.

[0124] Optionally, the advance trigger condition can be characterized by the equivalent transfer-in time. Considering that cross-time zone resource advance services may be delayed due to time zone differences, the advance trigger condition can be that the current time at the location where the client is located is before the equivalent transfer-in time, and the time difference between the current time and the equivalent transfer-in time is greater than or equal to the time difference threshold. The time difference threshold can be, for example, 2 days or 3 days, etc.

[0125] Optionally, during the process of performing time conversion on the expected transfer-in time according to the third time conversion relationship, the time delay caused by cross-time zone resource advance can be considered, perform time conversion on the expected transfer-in time according to the third time conversion relationship, and superimpose the influence of the time delay to determine the equivalent transfer-in time of the resource advance reservation request at the location where the client is located. In this case, the advance trigger condition can be that the current time at the location where the client is located reaches the equivalent transfer-in time.

[0126] It can be understood that the determination method of the third time conversion relationship and the specific process of performing time conversion according to the third time conversion relationship can both refer to the relevant content of the first time conversion relationship in the above text, considering the influence of daylight saving time information to obtain more accurate time information.

[0127] Optionally, the resource advance client can also output a resource advance reservation prompt, which can include the time zone, current time, and expected transfer-in time of the location where the object belongs, as well as the time zone, current time, and equivalent transfer-in time of the location where the client is located.

[0128] Optionally, the resource advance client can output a resource advance reservation prompt for the resource advance account to the notification channels set by the account holder. The notification channels can include, for example, short messages, clients, emails, etc.

[0129] In the above embodiments, based on the equivalent transfer time at the location of the client according to the expected transfer time, a resource advance reservation request corresponding to the resource advance request is automatically triggered to request the transfer of the expected lent resources to the resource receiving object, so that the advanced resources can be transferred to the resource receiving object at the expected transfer time, which can ensure the accuracy of the resource advance processing result.

[0130] It should be noted that when the current time at the location of the client does not meet the advance trigger condition, the resource advance client can monitor the time zone change situation at the location of the client. If the time zone at the location of the client changes, the equivalent transfer time needs to be updated accordingly. Exemplarily, the resource advance client can respond to the time zone change event at the location of the client, update the third time conversion relationship according to the changed time zone, and perform time conversion on the expected transfer time according to the updated third time conversion relationship to obtain the updated equivalent transfer time.

[0131] In an optional embodiment, the resource advance processing method further includes: when the current time at the location of the client does not meet the advance trigger condition, in response to the time zone change event at the location of the client, determining the fourth time conversion relationship between the time zone before the change and the time zone after the change; performing a secondary conversion on the equivalent transfer time according to the fourth time conversion relationship to obtain the updated equivalent transfer time.

[0132] Specifically, the resource advance client can determine whether a time zone change occurs when the location of the client changes; or the account owner of the resource advance account can trigger a time zone change event by setting the time zone. When the current time at the location of the client does not meet the advance trigger condition, the resource advance client can respond to the time zone change event at the location of the client, perform time conversion on the time zone before the change and the time zone after the change to obtain the fourth time conversion relationship between the time zone before the change and the time zone after the change, and then perform a secondary conversion on the equivalent transfer time according to the fourth time conversion relationship to obtain the updated equivalent transfer time. Exemplarily, if the time zone before the change is the eighth time zone east and the time zone after the change is the seventh time zone east, the resource advance client can subtract one hour from the equivalent transfer time to obtain the updated equivalent transfer time.

[0133] In the above embodiments, when the current time at the location of the client does not meet the advance trigger condition, in response to the time zone change event at the location of the client, performing a secondary conversion on the equivalent transfer time according to the fourth time conversion relationship between the time zone before the change and the time zone after the change to obtain the updated equivalent transfer time can further ensure the accuracy of the equivalent transfer time.

[0134] In one embodiment, as Figure 5As shown, a resource advance processing method is provided. This method can be executed by a computer device, which can be a terminal or a server. Taking the case where this resource advance processing method is applied to a resource advance client as an example for the description, in this embodiment, the method includes the following steps:

[0135] Step S501, obtain the current version of the time zone data file from an authoritative institution at a set time interval.

[0136] Specifically, the resource advance client can set a scheduled task that is automatically triggered at a set time interval to periodically start the data update module. When the data update module is started, the resource advance client can establish a network connection with the authoritative institution and request to obtain the current version of the time zone data file.

[0137] Step S502, when the current version is inconsistent with the historical version corresponding to the local storage file, download the time zone data file from the authoritative institution.

[0138] Optionally, the resource advance client can determine whether the current version is consistent with the historical version corresponding to the local storage file. If the two are consistent, it means that the local storage file is already the latest version and data update is not required. If the current version is inconsistent with the historical version corresponding to the local storage file, the resource advance client can download the time zone data file from the authoritative institution.

[0139] Step S503, when the time zone data file passes the verification, parse the time zone information and daylight saving time information from the time zone data file, and determine at least one daylight saving time area configured with daylight saving time information.

[0140] Among them, the daylight saving time information includes the implementation conditions and implementation methods of daylight saving time; the time zone information includes the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to Coordinated Universal Time respectively. Optionally, the verification performed on the time zone data file can include at least one of integrity verification, file format verification, data checksum verification, etc.

[0141] Step S504, write the time zone information and daylight saving time information into the temporary storage space.

[0142] Step S505, when the information written in the temporary storage space passes the verification, replace the historical time zone information stored in the local storage file with the newly obtained time zone information, and replace the historical daylight saving time information stored in the local storage file with the newly obtained daylight saving time information.

[0143] Among them, the locally stored file is stored in the formal storage space and is the data information applied during the time conversion process. Optionally, when the time zone information and daylight saving time information are obtained from the authoritative institution, the resource advance client can write the time zone information and daylight saving time information into the temporary storage space, verify them separately, and then write the verified data information into the locally stored file.

[0144] Optionally, the specific methods for verifying the data information include at least one of data format verification, integrity verification, or consistency verification, etc. Through the data verification mechanism, it can ensure that the data written into the formal storage space is accurate and error-free, and can avoid directly writing incorrect data into the formal storage space, thereby reducing the risk of data pollution.

[0145] Step S506, in response to a resource advance reservation request initiated for the resource advance account, determine the resource recipient of the requested advanced resource and the expected transfer time of the requested advanced resource at the place of belonging of the resource recipient.

[0146] In practical applications, the account owner of the resource advance account can advance resources by making a reservation in advance. Specifically, the account owner can use the resource advance client to set request information including the resource recipient of the requested advanced resource and the expected transfer time of the requested advanced resource at the place of belonging of the resource recipient, and initiate a resource advance reservation request for the resource advance account.

[0147] Step S507, when the location of the client of the resource advance account and the place of belonging of the object are in different time zones, perform time conversion on the location of the client and the place of belonging of the object according to the time zone information and daylight saving time information stored in the locally stored file, and obtain the third time conversion relationship between the location of the client and the place of belonging of the object.

[0148] Optionally, when each daylight saving time area includes the third daylight saving time area where the place of belonging of the object is located, and the expected transfer time meets the daylight saving time implementation conditions of the third daylight saving time area, perform time conversion on the location of the client and the place of belonging of the object based on each time offset and the daylight saving time implementation method of the third daylight saving time area, and obtain the third time conversion relationship between the location of the client and the place of belonging of the object.

[0149] Step S508, perform time conversion on the expected transfer time according to the third time conversion relationship to determine the equivalent transfer time of the resource advance reservation request at the location of the client.

[0150] Optionally, when each daylight saving time area includes the fourth daylight saving time area where the client is located, the expected transfer-in time is converted according to the third time conversion relationship to obtain the transfer conversion time of the expected transfer-in time at the location of the client. When the transfer conversion time meets the daylight saving time implementation conditions of the fourth daylight saving time area, the transfer conversion time is corrected according to the daylight saving time implementation method of the fourth daylight saving time area to obtain the equivalent transfer-in time of the expected transfer-in time at the location of the client.

[0151] Step S509, when the current time at the location of the client does not meet the advance trigger condition, in response to the time zone change event at the location of the client, determine the fourth time conversion relationship between the time zone before the change and the time zone after the change.

[0152] Specifically, the resource advance client can determine whether a time zone change occurs when the location of the client changes; or the account owner of the resource advance account can trigger a time zone change event by setting the time zone. When the current time at the location of the client does not meet the advance trigger condition, the resource advance client can determine the fourth time conversion relationship between the time zone before the change and the time zone after the change in response to the time zone change event at the location of the client.

[0153] Step S510, perform a secondary conversion on the equivalent transfer-in time according to the fourth time conversion relationship to obtain the updated equivalent transfer-in time.

[0154] Step S511, when the current time at the location of the client meets the advance trigger condition characterized by the equivalent transfer-in time, trigger a resource advance request corresponding to the resource advance reservation request to the resource receiving client to request the transfer of the expected lent resources to the resource receiving object.

[0155] Optionally, the advance trigger condition can be characterized by the equivalent transfer-in time. Considering that cross-time zone resource advance services may be delayed due to time zone differences, the advance trigger condition can be that the current time at the location of the client is before the equivalent transfer-in time, and the time difference between the current time and the equivalent transfer-in time is greater than or equal to a time difference threshold. The time difference threshold can be, for example, 2 days or 3 days, etc.

[0156] Step S512, obtain the resource advance information feedback by the resource receiving client for the resource advance account, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and advance confirmation time of the resource advance information.

[0157] Among them, the resource advance information is feedback when reported to the resource advance server.

[0158] Step S513: Determine the time zones where the account location and the information source location are located respectively according to the correspondence between the time zone and the geographical location.

[0159] Step S514: When the information source location and the account location are in different time zones, perform time conversion on the information source location and the account location according to the time zone information and daylight saving time information stored in the local storage file, and obtain the first time conversion relationship between the information source location and the account location.

[0160] Optionally, when each daylight saving time region includes the first daylight saving time region where the information source location is located, and the advance confirmation time meets the daylight saving time implementation conditions of the first daylight saving time region, perform time conversion on the information source location and the account location based on each time offset and the daylight saving time implementation method of the first daylight saving time region, and obtain the first time conversion relationship between the information source location and the account location.

[0161] Step S515: Perform time conversion on the advance confirmation time according to the first time conversion relationship, and determine the equivalent confirmation time of the advance confirmation time at the account location.

[0162] Optionally, when each daylight saving time region includes the second daylight saving time region where the account location is located, perform conversion on the advance confirmation time according to the first time conversion relationship to obtain the advance conversion time of the advance confirmation time at the account location; when the advance conversion time meets the daylight saving time implementation conditions of the second daylight saving time region, correct the advance conversion time according to the daylight saving time implementation method of the second daylight saving time region to obtain the equivalent confirmation time of the advance confirmation time at the account location.

[0163] Step S516: Use the equivalent confirmation time as the resource advance time and record the resource advance information.

[0164] Step S517: When the resource advance server advances resources to the resource advance account, determine the resource settlement bill containing the resource advance information.

[0165] Among them, the resource settlement bill is used to record the resource advance activities of the resource advance account within a billing cycle, and is the basis for the resource advance account to return the advanced resources. When the resource advance server completes the conditional review of the resource advance account and advances resources to the resource advance account, the resource advance client can further generate a resource settlement bill containing the resource advance information and synchronize it to the resource advance server, or the resource advance server can further generate a resource settlement bill containing the resource advance information and synchronize it to the resource advance client.

[0166] Step S518: Determine the resource return expected time of the resource settlement bill at the account location.

[0167] Among them, the expected resource return time refers to the time when it is expected that the resource advance account completes the resource return. Conducting resource return after the expected resource return time will result in overdue and affect the account credit. Optionally, the expected resource return time may refer to the bill repayment date of a credit card.

[0168] Step S519: When the location where the client is located and the location where the account belongs are in different time zones, perform time conversion on the location where the client is located and the location where the account belongs according to the time zone information and daylight saving time information stored in the locally stored file, to obtain the second time conversion relationship between the location where the client is located and the location where the account belongs.

[0169] Optionally, when each daylight saving time region includes the second daylight saving time region where the account belongs and the expected resource return time meets the daylight saving time implementation conditions of the second daylight saving time region, perform time conversion on the location where the client is located and the location where the account belongs based on each time offset and the daylight saving time implementation method of the second daylight saving time region, to obtain the second time conversion relationship between the location where the client is located and the location where the account belongs.

[0170] Step S520: Perform time conversion on the expected resource return time according to the second time conversion relationship to determine the equivalent return time of the expected resource return time at the location where the client is located.

[0171] Optionally, when each daylight saving time region includes the fourth daylight saving time region where the client is located, perform conversion on the expected transfer time according to the second time conversion relationship to obtain the return conversion time of the expected resource return time at the location where the client is located; when the return conversion time meets the daylight saving time implementation conditions of the fourth daylight saving time region, correct the return conversion time according to the daylight saving time implementation method of the fourth daylight saving time region to obtain the equivalent return time of the expected resource return time at the location where the client is located.

[0172] Step S521: When the current time at the location where the client is located meets the resource return condition characterized by the equivalent return time, output a resource return prompt message for the resource settlement bill.

[0173] Optionally, the resource advance client can output a resource return prompt message for the resource settlement bill to the notification channels set by the account holder. Such notification channels may include, for example, short messages, the client, emails, etc.

[0174] By adopting the above resource advance processing method, it is not necessary to wait for the review result of the resource advance server across time zones for the resource advance account. Instead, the resource advance client records the resource advance information in real time. It is equivalent to recording information in a way of recording first and then confirming, which can ensure the real-time nature of information recording. It can not only improve the accuracy of the recorded information, but also shorten the in-transit transmission time of information through real-time recording, thereby reducing the risk of data leakage or tampering.

[0175] In a specific implementation, as Figure 6 shown, the resource advance client can determine relevant time information during the resource advance processing. This time information can include the time information automatically determined by the client during the resource advance processing, or the time information manually set by the account holder during the resource advance processing. The automatically determined time information can include, for example, the check-in and check-out times of the hotel when booking a cross-time zone hotel through resource advance, the shipping time and expected arrival time of the item when shopping for e-commerce across time zones, the departure time and arrival time of the cross-time zone itinerary when booking an airplane ticket through resource advance, the subscription time and expiration time of subscribing to a cross-time zone service through resource advance, the expected transfer time of the requested advance resource at the place of belonging of the resource receiving object, and the expected resource return time of the resource settlement bill at the place of belonging of the account, and so on.

[0176] Optionally, this time information can be passed by the time conversion module (TC) configured in the resource advance client to the personalized time reminder module (NOTIFY) to verify whether the time information is valid. If the time information is valid, the process continues. If the time information is invalid, an error log is recorded and the process exits. Through the time information verification mechanism, it is ensured that time reminders can be based on accurate time data. Exemplarily, if the account holder still sets the time information corresponding to daylight saving time after canceling daylight saving time locally, this time information is invalid; if the account holder sets the time information of "the fifth Monday of the current month", but the current month only includes four Mondays, this time information is invalid.

[0177] Furthermore, the resource advance client can judge whether the reminder condition is met according to the rule engine. If the reminder condition is met, the process continues. If the reminder condition is not met, the process ends and there is no need to send a reminder. Then, the resource advance client can check whether the user has set reminder preferences. If it has been set, the process continues. If the user has not set reminder preferences, the default reminder settings are adopted. This reminder preference can include reminder channels, reminder methods, etc. Then, the resource advance client can generate reminder content including reminder items and time information, and accurately calculate the reminder time according to the time zone and daylight saving time information where the client is located to ensure the accuracy of the reminder event.

[0178] Next, the resource advance client selects the best sending channel: if the user-preferred channel is available, the reminder message containing the reminder content is sent using the user-preferred channel; if the user-preferred channel or the default channel is unavailable, an alternative channel is selected to send the reminder message. Through the flexible sending channel selection mechanism, it can be ensured that the reminder can reach the user. Optionally, the personalized time reminder module (NOTIFY) can call the notification channel (Channel) to send the reminder message.

[0179] Optionally, the resource advance client can determine whether the reminder is sent successfully. If it is sent successfully, the sending log is recorded; if it fails to be sent, the sending failure log is recorded, and a retry mechanism or a channel change is considered. Through the sending failure handling mechanism, the reliability of the reminder service can be ensured. The sent reminder message can be displayed through the user interface module (UI). Optionally, the account holder can click on the reminder message to view the message details.

[0180] In the above embodiment, a resource advance processing method is provided, which can solve the time management problem in the cross-timezone resource advance processing. Through functions such as dynamic timezone recognition, real-time update of timezone information and daylight saving time information, intelligent time conversion, and personalized time reminder, the accuracy and timeliness of time processing are improved. The above method has good scalability and compatibility, can be widely applied to various financial service institutions, and has significant practical value and market prospects.

[0181] In one embodiment, as Figure 7 shown, the present application also provides a resource advance processing system, including a resource advance client 701, a resource receiving client 702, and a resource advance server 703. Among them, the resource advance client 701 is used to initiate a resource advance request for a resource advance account to request the transfer of the expected lent resources from the resource receiving object. The resource receiving client 702 is used to respond to the resource advance request and, in the case of reporting the resource advance information to the resource advance server, feedback the resource advance information to the resource advance client;

[0182] The resource advance client 701 is further used to: obtain the resource advance information, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and the advance confirmation time of the resource advance information; in the case where the account location and the information source location are in different timezones, perform time conversion on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location; based on the first time conversion relationship, convert the advance confirmation time to obtain the equivalent confirmation time of the advance confirmation time at the account location; record the resource advance information according to the equivalent confirmation time.

[0183] The resource advance server 703 is used to advance resources to the resource advance account when it is confirmed according to the resource advance information that the resource advance account meets the resource advance conditions; the advanced resources will be received by the resource receiving object. Optionally, as Figure 7 shown, when the resource advance server 703 advances resources to the resource advance account, the resource advance information recorded by the resource advance client 701 can be further used as resource settlement information, and the resource settlement information will be synchronized to the resource advance server 703 for subsequent generation of a resource settlement bill to instruct the resource advance client 701 to return resources in a timely manner later.

[0184] The above resource advance processing system configures the resource receiving client to send resource advance information to the resource advance client and the resource advance server in response to a resource advance request initiated by the resource advance client for the resource advance account, so that during the process of the resource advance server auditing the resource advance conditions of the resource advance account, the resource advance client can judge the time zone consistency of the account location of the resource advance account and the information source location of the resource advance information to determine whether cross-time zone resource advance is involved. In the case of cross-time zone resource advance, time conversion is performed on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location, and based on this first time conversion relationship, the advance confirmation time is converted to obtain the equivalent confirmation time of the resource advance confirmation event at the account location, and the resource advance information is recorded according to this equivalent confirmation time. It is not necessary to wait for the audit result of the resource advance account by the cross-time zone resource advance server, and the resource advance information can be recorded in real time. It is equivalent to recording the resource advance information in a way of recording first and then confirming, which can ensure the real-time nature of information recording, not only improve the accuracy of the recorded information, but also shorten the in-transit transmission time of the information through real-time recording, thereby reducing the risk of data leakage or tampering.

[0185] In an optional embodiment, as Figure 8 shown, the resource advance client may include a time zone data management layer, a time zone data application layer, and a communication layer. Among them, the time zone data management layer is used to implement the functions of time zone data storage and time zone data update; the time zone data application layer is used to implement the functions of dynamic time zone identification and time conversion; the communication layer is used to communicate with the outside through the user interface and the API (Application Programming Interface).

[0186] Optionally, the resource advance client can obtain global time zone and daylight saving time data from an authoritative institution, store time zone information and daylight saving time information using a high-performance database to support fast querying. At the same time, it regularly checks and updates the data to ensure the timeliness of the data. Optionally, a subscription and automatic update method can be adopted to ensure the timeliness and accuracy of the time zone data.

[0187] Optionally, during the dynamic time zone recognition process, geographical location information can be collected, and based on the geographical location information, the corresponding time zone information and daylight saving time information can be found in the global time zone database. When the geographical location information is missing or abnormal, a default time zone can be provided or a prompt message can be output. Among them, the geographical location information can include the device location of the client, the IP (Internet Protocol) address, etc. Using the mapping relationship between geographical coordinates and time zone boundaries, accurate time zone matching can be achieved.

[0188] Optionally, during the time conversion process, the resource advance client can calculate the UTC time and time zone offset to achieve intelligent conversion of time information and ensure the accuracy of time display. The converted time information can be displayed according to the user's preferences.

[0189] Optionally, the user interface can provide a friendly user experience, supporting functions such as custom time zone switching, time display, and personalized reminder implementation. Automatically generating time-related reminder events and actively notifying users through multiple channels can prevent adverse consequences caused by time differences or forgetting.

[0190] Optionally, the API interface can define a unified interface specification and improve the security of interface calls through security authentication. Optionally, the call frequency and concurrency of the API interface can also be controlled according to the service level. Opening a standardized API interface facilitates third-party service providers to call the time zone and daylight saving time management functions, provides a unified time service, and builds a cooperative ecosystem.

[0191] It should be noted that during the resource advance processing, other generated time information can also be converted according to the time conversion relationship between different time zones for the display of time information.

[0192] In an optional embodiment, such as Figure 9As shown, the account holder of the resource advance account can initiate a cross-timezone transaction request through the user interface. Thus, the resource advance client can obtain transaction information such as geographical location information and the amount of resources requested for the advance. Then, the resource advance client can verify the integrity of the transaction information. If the transaction information is complete and valid, proceed with the processing. If the transaction information is incomplete or invalid, prompt the account holder to fill in the complete information or display an error and terminate the transaction. Through the transaction information verification mechanism, the legitimacy of the transaction request is ensured, and transaction failures caused by incomplete information are avoided. Next, the resource advance client can call the API interface to process the transaction and verify whether the API service call is successful: if the API service call is successful, proceed with the processing. If the API service call fails, display a network error prompt and terminate the transaction.

[0193] Meanwhile, the resource advance client can determine whether the geographical location information is available: if the geographical location information is available, the API interface requests time zone identification. If the geographical location information is not available, use the default time zone or prompt the account owner. Through the dynamic time zone identification mechanism, the accuracy of the transaction time zone is ensured, and an alternative solution is provided when the geographical location information is not available, improving the robustness of the system. The resource advance client queries the global time zone and daylight saving time database: if the time zone data query is successful, return the time zone information. If the time zone database query fails, record the error log, use the default time zone or terminate the transaction. Through the time zone data query mechanism, it is ensured that the system can obtain the latest time zone and daylight saving time information. Then, time conversion is performed based on the queried time zone information and daylight saving time information. If the time conversion is successful, proceed with the processing. If the time conversion fails, record the error log, prompt that the time conversion has failed, and terminate the transaction. Through the time calculation and conversion mechanism, the accuracy of the transaction time is ensured. The conversion result will be returned to the API interface, and the API interface will return the transaction processing result (including time information) to the user interface for display. If the account holder needs to reselect the time zone, the user interface module allows manual selection of the time zone and re-executes the time conversion process. If the account holder confirms that the time information is correct, the transaction is completed. Through the user confirmation mechanism, the accuracy of the transaction information can be ensured.

[0194] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are sequentially shown according to the indications of the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear indication in this article, the execution of these steps has no strict order limit, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0195] Based on the same inventive concept, an embodiment of the present application further provides a resource advance processing device for implementing the above-mentioned resource advance processing method. The solution provided by this device to solve the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the resource advance processing device provided below can refer to the limitations on the resource advance processing method in the above text, and will not be repeated here.

[0196] In one embodiment, as Figure 10 shown, a resource advance processing device is provided, including: a geographical location confirmation module 1001, a time conversion relationship determination module 1002, a time conversion module 1003, and an information recording module 1004, where:

[0197] The geographical location confirmation module 1001 is configured to obtain the resource advance information fed back by the resource receiving client for the resource advance account, perform parameter analysis on the resource advance information, and obtain the account location of the resource advance account, as well as the information source location and advance confirmation time of the resource advance information; the resource advance information is fed back when reported to the resource advance server.

[0198] The time conversion relationship determination module 1002 is configured to perform time conversion on the information source location and the account location when the account location and the information source location are in different time zones, and obtain the first time conversion relationship between the information source location and the account location.

[0199] The time conversion module 1003 is configured to convert the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account location.

[0200] The information recording module 1004 is configured to record the resource advance information according to the equivalent confirmation time.

[0201] In one embodiment, the time conversion relationship determination module 1002 includes: a time zone information acquisition unit, configured to acquire the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to Coordinated Universal Time respectively; a time zone mapping unit, configured to respectively determine the time zones where the account location and the information source location are located according to the correspondence; a time conversion relationship determination unit, configured to, when the account location and the information source location are in different time zones, perform time conversion on the information source location and the account location based on the respective time offsets to obtain a first time conversion relationship between the information source location and the account location.

[0202] In one embodiment, the resource advance processing device further includes a daylight saving time area determination module, configured to: determine at least one daylight saving time area configured with daylight saving time information; the daylight saving time information includes the implementation conditions and implementation methods of daylight saving time. In the case of this embodiment, the time conversion relationship determination module 1002 is specifically configured to: when each daylight saving time area includes a first daylight saving time area where the information source location is located, and the advance confirmation time meets the implementation conditions of daylight saving time in the first daylight saving time area, perform time conversion on the information source location and the account location based on the respective time offsets and the implementation method of daylight saving time in the first daylight saving time area to obtain a first time conversion relationship between the information source location and the account location.

[0203] In one embodiment, the time conversion module 1003 is specifically configured to: when each daylight saving time area includes a second daylight saving time area where the account location is located, convert the advance confirmation time according to the first time conversion relationship to obtain an advance conversion time of the advance confirmation time at the account location; when the advance conversion time meets the implementation conditions of daylight saving time in the second daylight saving time area, correct the advance conversion time according to the implementation method of daylight saving time in the second daylight saving time area to obtain an equivalent confirmation time of the advance confirmation time at the account location.

[0204] In one embodiment, the time zone information acquisition unit is specifically configured to: at a set time interval, obtain the current version of the time zone data file from an authoritative institution; when the current version is inconsistent with the historical version of the locally stored file, download the time zone data file from the authoritative institution; when the time zone data file passes the verification, parse the time zone information from the time zone data file; the time zone information includes the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively.

[0205] In one embodiment, the time zone information acquisition unit is further configured to: write the time zone information into a temporary storage space; when the time zone information written into the temporary storage space passes the verification, replace the historical time zone information stored in the locally stored file with the time zone information.

[0206] In one embodiment, the information recording unit is specifically configured to use the equivalent confirmation time as the resource advance time and record the resource advance information. In the case of this embodiment, the resource advance processing device further includes a settlement bill determination module, which is configured to: when the resource advance server advances resources to the resource advance account, determine a resource settlement bill including the resource advance information.

[0207] In one embodiment, the resource advance processing device further includes a resource return reminder module, which is configured to: determine the expected resource return time of the resource settlement bill at the place where the account belongs and the location of the client corresponding to the resource advance account; when the location of the client and the place where the account belongs are in different time zones, perform time conversion on the location of the client and the place where the account belongs to obtain a second time conversion relationship between the location of the client and the place where the account belongs; perform time conversion on the expected resource return time according to the second time conversion relationship to determine the equivalent return time of the expected resource return time at the location of the client; when the current time at the location of the client meets the resource return condition characterized by the equivalent return time, output a resource return reminder message for the resource settlement bill.

[0208] In one embodiment, the resource advance processing device further includes a request trigger module, which is configured to: in response to a resource advance reservation request initiated for the resource advance account, determine the resource recipient of the requested advanced resources and the expected transfer-in time of the requested advanced resources at the place where the resource recipient belongs; when the location of the client of the resource advance account and the place where the resource recipient belongs are in different time zones, perform time conversion on the location of the client and the place where the resource recipient belongs to determine a third time conversion relationship between the location of the client and the place where the resource recipient belongs; perform time conversion on the expected transfer-in time according to the third time conversion relationship to determine the equivalent transfer-in time of the resource advance reservation request at the location of the client; when the current time at the location of the client meets the advance trigger condition characterized by the equivalent transfer-in time, trigger a resource advance request corresponding to the resource advance reservation request to request to transfer the expected lent resources to the resource recipient.

[0209] In one embodiment, the request trigger module is further configured to: when the current time at the location of the client does not meet the advance trigger condition, in response to a time zone change event at the location of the client, determine a fourth time conversion relationship between the time zone before the change and the time zone after the change; perform secondary conversion on the equivalent transfer-in time according to the fourth time conversion relationship to obtain an updated equivalent transfer-in time.

[0210] Each module in the above resource advance processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above modules can be embedded in or independent of a processor in a computer device in the form of hardware, or stored in a memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0211] In one embodiment, a computer device is provided. The computer device can be a terminal or a server. In an optional embodiment, the internal structure diagram of the computer device can be as Figure 11 shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit, and an input device. Among them, the processor, the memory, and the input / output interface are connected through a system bus, and the communication interface, the display unit, and the input device are connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used for exchanging information between the processor and external devices. The communication interface of the computer device is used for communicating with external terminals in a wired or wireless manner. The wireless manner can be implemented through WIFI, a mobile cellular network, NFC (Near Field Communication), or other technologies. The computer program, when executed by the processor, implements a resource advance processing method. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covering the display screen, or a button, a trackball, or a touchpad provided on the shell of the computer device, or an external keyboard, touchpad, or mouse, etc.

[0212] Those skilled in the art can understand that Figure 11 the structure shown in

[0213] is only a block diagram of a part of the structure related to the solution of this application, and does not constitute a limitation on the computer device to which the solution of this application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have different component arrangements.

[0214] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above method embodiment are implemented.

[0215] In one embodiment, a computer program product is provided, including a computer program. When the computer program is executed by a processor, the steps of the above method embodiment are implemented.

[0216] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. And the collection, use, and processing of relevant data need to comply with the relevant laws, regulations, and standards of the relevant regions and areas. Moreover, the object can choose not to authorize the object information and relevant data, or can refuse or can conveniently refuse to push information, etc.

[0217] In this application, during the process of collecting and processing relevant data in actual application, the informed consent or separate consent of the personal information subject should be obtained strictly in accordance with the requirements of the relevant regional laws and regulations, and subsequent data use and processing behaviors should be carried out within the scope authorized by the laws and regulations and the personal information subject.

[0218] Those of ordinary skill in the art can understand that all or part of the processes in the methods of the above embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above methods. Among them, any reference to a memory, database, or other medium used in the embodiments provided in the present application can include at least one of non-volatile and volatile memories. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in the present application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in the present application can be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, etc., without limitation.

[0219] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope recorded in this specification.

[0220] The above-described embodiments only represent several implementation manners of the present application. Their descriptions are relatively specific and detailed, but they should not be construed as limiting the patent scope of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application should be subject to the appended claims.

Claims

1. A resource advance processing method, characterized in that The method includes: Obtaining resource advance information fed back by a resource receiving client for a resource advance account, performing parameter analysis on the resource advance information to obtain the location of the account to which the resource advance account belongs, as well as the information source location and advance confirmation time of the resource advance information; the resource advance information is fed back when reported to a resource advance server. When the location of the account and the information source location are in different time zones, performing time conversion on the information source location and the location of the account to obtain a first time conversion relationship between the information source location and the location of the account. Based on the first time conversion relationship, converting the advance confirmation time to obtain an equivalent confirmation time of the advance confirmation time at the location of the account. Recording the resource advance information according to the equivalent confirmation time.

2. The method according to claim 1, wherein The step of, when the location of the account and the information source location are in different time zones, performing time conversion on the information source location and the location of the account to obtain a first time conversion relationship between the information source location and the location of the account includes: Obtaining the correspondence between time zones and geographical locations, as well as the time offsets of different time zones relative to Coordinated Universal Time respectively. According to the correspondence, respectively determining the time zones where the location of the account and the information source location are located. When the location of the account and the information source location are in different time zones, based on each of the time offsets, performing time conversion on the information source location and the location of the account to obtain a first time conversion relationship between the information source location and the location of the account.

3. The method according to claim 2, wherein The method further includes: Determining at least one daylight saving time area configured with daylight saving time information; the daylight saving time information includes daylight saving time implementation conditions and daylight saving time implementation methods. The step of, based on each of the time offsets, performing time conversion on the information source location and the location of the account to obtain a first time conversion relationship between the information source location and the location of the account includes: When each of the daylight saving time areas includes a first daylight saving time area where the information source location is located, and the advance confirmation time meets the daylight saving time implementation conditions of the first daylight saving time area, based on each of the time offsets and the daylight saving time implementation method of the first daylight saving time area, performing time conversion on the information source location and the location of the account to obtain a first time conversion relationship between the information source location and the location of the account.

4. The method according to claim 3, wherein The step of, based on the first time conversion relationship, converting the advance confirmation time to obtain an equivalent confirmation time of the advance confirmation time at the location of the account includes: When each of the daylight saving time areas includes a second daylight saving time area where the location of the account is located, converting the advance confirmation time according to the first time conversion relationship to obtain a pre-advance conversion time of the advance confirmation time at the location of the account. When the advance conversion time meets the daylight saving time implementation conditions of the second daylight saving time area, the advance conversion time is corrected according to the daylight saving time implementation method of the second daylight saving time area to obtain the equivalent confirmation time of the advance confirmation time in the place where the account belongs.

5. The method according to claim 2, wherein The obtaining of the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively, includes: Obtaining the current version of the time zone data file from an authoritative institution at a set time interval; Downloading the time zone data file from the authoritative institution when the current version is inconsistent with the historical version of the locally stored file; Parsing the time zone information from the time zone data file when the time zone data file passes the verification; the time zone information includes the correspondence between time zones and geographical locations, and the time offsets of different time zones relative to the reference time zone respectively.

6. The method according to claim 5, wherein The method further includes: Writing the time zone information into a temporary storage space; Replacing the historical time zone information stored in the locally stored file with the time zone information when the time zone information written into the temporary storage space passes the verification.

7. The method according to any one of claims 1 to 6, characterized in that, The recording of the resource advance information according to the equivalent confirmation time includes: Taking the equivalent confirmation time as the resource advance time and recording the resource advance information; The method further includes: Determining a resource settlement bill containing the resource advance information when the resource advance server advances resources to the resource advance account.

8. The method according to claim 7, wherein The method further includes: Determining the expected resource return time of the resource settlement bill in the place where the account belongs, and the location of the client corresponding to the resource advance account; When the location of the client and the place where the account belongs are in different time zones, performing time conversion on the location of the client and the place where the account belongs to obtain the second time conversion relationship between the location of the client and the place where the account belongs; Performing time conversion on the expected resource return time according to the second time conversion relationship to determine the equivalent return time of the expected resource return time in the location of the client; Outputting a resource return prompt message for the resource settlement bill when the current time in the location of the client meets the resource return conditions characterized by the equivalent return time.

9. The method according to any one of claims 1 to 6, characterized in that The method further includes: Responding to a resource advance reservation request initiated for the resource advance account, determining the resource receiving object of the requested advanced resources, and the expected transfer time of the requested advanced resources in the place where the resource receiving object belongs; When the location of the client of the resource advance account and the place where the object belongs are in different time zones, performing time conversion on the location of the client and the place where the object belongs to determine the third time conversion relationship between the location of the client and the place where the object belongs; Performing time conversion on the expected transfer time according to the third time conversion relationship to determine the equivalent transfer time of the resource advance reservation request in the location of the client; When the current time at the location where the client is located satisfies the advance trigger condition characterized by the equivalent transfer-in time, trigger the resource advance request corresponding to the resource advance reservation request to request the transfer of the expected lent resources to the resource receiving object.

10. The method according to claim 9, characterized in that The method further includes: When the current time at the location where the client is located does not satisfy the advance trigger condition, in response to the time zone change event at the location where the client is located, determine the fourth time conversion relationship between the time zone before the change and the time zone after the change; Perform a secondary conversion on the equivalent transfer-in time according to the fourth time conversion relationship to obtain the updated equivalent transfer-in time.

11. A resource advance processing system, characterized in that, It includes a resource advance client, a resource receiving client, and a resource advance server; The resource advance client is used to initiate a resource advance request for a resource advance account to request the transfer of the expected lent resources to a resource receiving object; The resource receiving client is used to, in response to the resource advance request, feedback the resource advance information to the resource advance client when reporting the resource advance information to the resource advance server; The resource advance client is used to obtain the resource advance information, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and advance confirmation time of the resource advance information; When the account location and the information source location are in different time zones, perform time conversion on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location; Convert the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account location; record the resource advance information according to the equivalent confirmation time; The resource advance server is used to advance resources to the resource advance account when it is confirmed according to the resource advance information that the resource advance account meets the resource advance conditions; the advanced resources will be received by the resource receiving object.

12. A resource advance processing device, characterized in that, The device includes: A geographical location confirmation module, configured to obtain the resource advance information fed back by the resource receiving client for the resource advance account, perform parameter analysis on the resource advance information to obtain the account location of the resource advance account, as well as the information source location and advance confirmation time of the resource advance information; the resource advance information is fed back when reported to the resource advance server; A time conversion relationship determination module, configured to perform time conversion on the information source location and the account location to obtain the first time conversion relationship between the information source location and the account location when the account location and the information source location are in different time zones; A time conversion module, configured to convert the advance confirmation time based on the first time conversion relationship to obtain the equivalent confirmation time of the advance confirmation time at the account location; An information recording module, configured to record the resource advance information according to the equivalent confirmation time.

13. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 10 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 10 are implemented.

15. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 10 are implemented.

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