Resource transfer processing method and device

Abstract

The invention provides a resource transfer processing method and device, and relates to the technical field of information. The method comprises the following steps: establishing first mapping information of transfer preferential information according to a resource transfer request; sending an information locking request to a third-party server based on the transfer preferential information, so that the third-party server performs information locking on the transfer preferential information included in the second mapping information based on the information locking request; generating a resource transfer control instruction based on the transfer cost information, the transfer preferential information and the information locking request result; sending the resource transfer control instruction to a service server to enable the service server to execute a resource transfer operation based on the resource transfer control instruction, and returning a transfer execution result corresponding to the resource transfer request to the management server; and executing asynchronous compensation operation based on a transfer execution result corresponding to the resource transfer request. According to the method, the execution efficiency of the resource transfer processing process can be improved.

Description

Technical Field

[0001] This application relates to the field of data processing technology, and in particular to a method and apparatus for resource transfer. Background Technology

[0002] With economic and social development, service providers are increasingly using vouchers to offset service fees in their resource transfer transactions, such as using coupons to deduct handling fees. Resource transfers based on preferential information typically involve communication between multiple terminal components. For example, when corporate clients of banks conduct transfers and payments through corporate online banking or mobile banking, this is completed through the back-end IT system. This process involves different business components within the IT system, including channel components such as the corporate online banking system and corporate mobile banking system; and business components such as the corporate cash management system, corporate equity system, and deposit system. The corporate cash management system is primarily responsible for the logical control of corporate client transfers; the deposit system is primarily responsible for the accounting of corporate client accounts; and the corporate equity system is primarily responsible for the issuance and use of electronic coupons.

[0003] In existing technologies, the process of transferring funds to corporate clients of banks involves network requests being initiated through channel components and then proceeding to various business components. Since data communication between these systems relies on network connections, issues such as network interruptions or temporary unavailability of a system due to technical failures can cause communication anomalies, affecting the certainty of transaction results and overall efficiency. Furthermore, the transfer control logic of corporate cash management systems within the banking system lacks the functionality for deducting transaction fees using electronic coupons. This necessitates manual processing of resource transfer files and manual entry of transaction fees by business personnel, and inconsistencies in coupon usage across systems can easily arise during the transfer execution process. The existing resource transfer processing by service providers suffers from low execution efficiency.

[0004] There is currently no effective solution to the above problems. Summary of the Invention

[0005] To address the existing technical problems, embodiments of this application provide a method and apparatus for resource transfer, which can improve the execution efficiency of the resource transfer process.

[0006] To achieve the above objectives, the technical solution of this application embodiment is implemented as follows: In a first aspect, embodiments of this application provide a resource transfer processing method applied to a management server; including: Based on the resource transfer request, a first mapping information of transfer incentive information is established; the resource transfer request includes transfer cost information and the transfer incentive information. Based on the transfer discount information, an information locking request is sent to a third-party server, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server; Based on the transfer cost information, the transfer discount information, and the information locking request result, a resource transfer control instruction is generated; The resource transfer control instruction is sent to the business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. Based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

[0007] In an optional embodiment, before sending an information locking request to a third-party server based on the transfer discount information, the method further includes: The first mapping information is stored in a preset deduction information database.

[0008] In an optional embodiment, generating a resource transfer control instruction based on the transfer cost information, the transfer discount information, and the information lock request result includes: If the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality. If the result of the information locking request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information locking request, but no business error occurred.

[0009] In an optional embodiment, if the resource transfer control instruction is the first type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is the second type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer discount information; the second result information indicates that the transfer cost information has not been deducted based on the transfer discount information.

[0010] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, then the target information management operation is the write-off; if the transfer execution result is the second result information, then the target information management operation is the unfreezing.

[0011] In an optional embodiment, the method further includes: If the result of the information locking request is determined to be a third type of result, a resource transfer termination instruction is generated; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0012] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the business server includes: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

[0013] In an optional embodiment, after sending the resource transfer control instruction to the service server, the method further includes: If the resource transaction type is identified as the second transaction type, and the approval result corresponding to the resource transfer request indicates that the review has failed, the asynchronous compensation operation is executed to restore the transfer preferential information to usability.

[0014] The resource transfer processing method provided in this application embodiment can establish a first mapping information of transfer preferential information by a management server according to a resource transfer request; the resource transfer request includes transfer cost information and the transfer preferential information; based on the transfer preferential information, an information locking request is sent to a third-party server, so that the third-party server locks the transfer preferential information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server; based on the transfer cost information, the transfer preferential information, and the information locking request result, a resource transfer control instruction is generated; the resource transfer control instruction is sent to a business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server; based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed; the asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and causing the third-party server to perform a target information management operation on the transfer preferential information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation. This method establishes a first mapping of transfer discount information based on a resource transfer request. Then, based on the transfer discount information, it sends an information locking request to a third-party server. The third-party server locks the transfer discount information included in the second mapping information based on the information locking request. Next, based on the transfer cost information, the transfer discount information, and the information locking request result, the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction and returns the transfer execution result corresponding to the resource transfer request to the management server. Finally, based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed, including determining the status update information of the transfer discount information included in the first mapping information and having the third-party server perform target information management operations on the transfer discount information included in the second mapping information based on the status update information. This provides a management mechanism for handling fee deduction in resource transfer processing, achieving precise control of handling fee deduction in resource transfer processing. It can improve the cross-system consistency of coupon usage, enhance the certainty of transaction results, and improve the execution efficiency of the resource transfer process.

[0015] Secondly, embodiments of this application also provide a resource transfer processing method applied to a third-party server; the method includes: The system locks the transfer discount information included in the second mapping information based on the received information locking request, and returns the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and the transfer discount information; the management server establishes first mapping information of the transfer discount information according to the resource transfer request; When the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request, it performs a target information management operation on the transfer discount information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation. The asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information and causing the third-party server to perform the target information management operation on the transfer discount information included in the second mapping information based on the status update information. The resource transfer control instruction is generated by the management server based on the transfer cost information, the transfer discount information, and the information lock request result. The transfer execution result corresponding to the resource transfer request is the result of the management server sending the resource transfer control instruction to the business server, causing the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returning it to the management server.

[0016] In one optional embodiment, the resource transfer control instruction includes a first type of resource transfer control instruction and a second type of resource transfer control instruction; if the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality; if the result of the information locking request is determined to be a second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an abnormality occurred during the execution of the information locking request, but no business error occurred.

[0017] In an optional embodiment, if the resource transfer control instruction is the first type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is the second type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer discount information; the second result information indicates that the transfer cost information has not been deducted based on the transfer discount information.

[0018] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, then the target information management operation is the write-off; if the transfer execution result is the second result information, then the target information management operation is the unfreezing.

[0019] In an optional embodiment, the method further includes: if the result of the information locking request is determined to be a third type of result, the management server generates a resource transfer termination instruction; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0020] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the business server includes: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

[0021] In an optional embodiment, the method further includes: If the resource transaction type is identified as the second transaction type and the approval result corresponding to the resource transfer request indicates that the review has failed, when the management server performs the asynchronous compensation operation, it unfreezes the transfer preferential information included in the second mapping information so that the transfer preferential information becomes available again.

[0022] The resource transfer processing method provided in this application embodiment is applied to a third-party server; the method includes: The system locks the transfer discount information included in the second mapping information based on the received information locking request, and returns the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information; the resource transfer request includes transfer cost information and the transfer discount information; the management server establishes first mapping information of the transfer discount information according to the resource transfer request; when the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request, it performs a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; The information management operations include unfreezing and cancellation; wherein, the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform the target information management operation on the transfer discount information included in the second mapping information based on the status update information; the resource transfer control instruction is generated by the management server based on the transfer cost information, the transfer discount information, and the information locking request result; the transfer execution result corresponding to the resource transfer request is the result returned by the management server after sending the resource transfer control instruction to the business server, enabling the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returning it to the management server. This method provides a management mechanism for handling fee deduction in resource transfer processing, realizing precise control of handling fee deduction in resource transfer processing, improving cross-system consistency of coupon use, improving the certainty of transaction results, and improving the execution efficiency of resource transfer processing.

[0023] Thirdly, embodiments of this application also provide a method for processing resource transfer, the method comprising: Based on the resource transfer request, a first mapping information of transfer incentive information is established; the resource transfer request includes transfer cost information and the transfer incentive information. Based on the transfer discount information, an information lock request is generated; Based on the information locking request, the transfer discount information included in the second mapping information is locked, and an information locking request result is generated; Based on the transfer cost information, the transfer discount information, and the information locking request result, a resource transfer control instruction is generated; Based on the resource transfer control instruction, execute the resource transfer operation corresponding to the resource transfer request, and generate the transfer execution result corresponding to the resource transfer request; Based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and performing a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

[0024] The method of this embodiment provides a management mechanism for deducting transaction fees in the processing of resource transfers, thereby achieving precise control over the deduction of transaction fees in the processing of resource transfers, improving the certainty of transaction results, and increasing the execution efficiency of the resource transfer process.

[0025] Fourthly, embodiments of this application also provide a resource transfer processing apparatus, applied to a management server; the apparatus includes: A mapping information establishment unit is used to establish first mapping information of transfer preferential information based on a resource transfer request; the resource transfer request includes transfer cost information and the transfer preferential information. An information locking control unit is configured to send an information locking request to a third-party server based on the transfer discount information, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server. A transfer instruction generation unit is used to generate a resource transfer control instruction based on the transfer cost information, the transfer discount information, and the information locking request result; A transfer instruction transmission unit is used to send the resource transfer control instruction to the business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. An asynchronous compensation control unit is used to perform an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

[0026] In an optional embodiment, the mapping information establishment unit is further configured to: The first mapping information is stored in a preset deduction information database.

[0027] In one optional embodiment, the transfer instruction generation unit is specifically used for: If the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality. If the result of the information locking request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information locking request, but no business error occurred.

[0028] In an optional embodiment, if the resource transfer control instruction is the first type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is the second type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer discount information; the second result information indicates that the transfer cost information has not been deducted based on the transfer discount information.

[0029] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, then the target information management operation is the write-off; if the transfer execution result is the second result information, then the target information management operation is the unfreezing.

[0030] In an optional embodiment, the apparatus further includes a transfer termination control unit; the transfer termination control unit is configured to: If the result of the information locking request is determined to be a third type of result, a resource transfer termination instruction is generated; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0031] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; the transfer instruction transmission unit is specifically used for: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

[0032] In an optional embodiment, the asynchronous compensation control unit is further configured to: If the resource transaction type is identified as the second transaction type, and the approval result corresponding to the resource transfer request indicates that the review has failed, the asynchronous compensation operation is executed to restore the transfer preferential information to usability.

[0033] Fifthly, embodiments of this application also provide a resource transfer processing apparatus applied to a third-party server; the apparatus includes: An information locking response unit is configured to lock the transfer discount information included in the second mapping information based on a received information locking request, and to return the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and the transfer discount information; the management server establishes first mapping information of the transfer discount information according to the resource transfer request; A compensation control response unit is configured to perform target information management operations on the transfer discount information included in the second mapping information based on status update information when the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation; wherein, the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and causing the third-party server to perform the target information management operation on the transfer discount information included in the second mapping information based on the status update information; the resource transfer control instruction is generated by the management server based on the transfer cost information, the transfer discount information, and the information locking request result; the transfer execution result corresponding to the resource transfer request is the result returned by the management server after sending the resource transfer control instruction to the business server, causing the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction.

[0034] In one optional embodiment, the resource transfer control instruction includes a first type of resource transfer control instruction and a second type of resource transfer control instruction; if the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality; if the result of the information locking request is determined to be a second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an abnormality occurred during the execution of the information locking request, but no business error occurred.

[0035] In an optional embodiment, if the resource transfer control instruction is the first type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is the second type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer discount information; the second result information indicates that the transfer cost information has not been deducted based on the transfer discount information.

[0036] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, then the target information management operation is the write-off; if the transfer execution result is the second result information, then the target information management operation is the unfreezing.

[0037] In an optional embodiment, the method further includes: if the result of the information locking request is determined to be a third type of result, the management server generates a resource transfer termination instruction; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0038] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the business server includes: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

[0039] In an optional embodiment, the compensation control response unit is further configured to: If the resource transaction type is identified as the second transaction type and the approval result corresponding to the resource transfer request indicates that the review has failed, when the management server performs the asynchronous compensation operation, it unfreezes the transfer preferential information included in the second mapping information so that the transfer preferential information becomes available again.

[0040] Sixthly, embodiments of this application also provide a resource transfer processing apparatus, the apparatus comprising: A mapping construction unit is used to establish first mapping information of transfer incentive information based on a resource transfer request; the resource transfer request includes transfer cost information and the transfer incentive information. A lock request unit is used to generate an information lock request based on the transfer discount information; A locking execution unit is configured to lock the transfer discount information included in the second mapping information based on the information locking request, and to generate an information locking request result; A transfer instruction unit is used to generate a resource transfer control instruction based on the transfer cost information, the transfer discount information, and the information locking request result; The transfer execution unit executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and generates the transfer execution result corresponding to the resource transfer request; An asynchronous compensation unit is used to perform an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and performing a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

[0041] In a seventh aspect, embodiments of this application also provide a computer-readable storage medium storing a computer program, which, when executed by a processor, implements the resource transfer processing method described in the first, second, or third aspects.

[0042] Eighthly, embodiments of this application also provide an electronic device, including a memory and a processor, wherein the memory stores a computer program that can run on the processor, and when the computer program is executed by the processor, the processor enables the processor to implement the resource transfer processing method of the first aspect, the second aspect, or the third aspect.

[0043] Ninthly, according to an embodiment of this application, a computer program product includes computer instructions stored in a computer-readable storage medium; when a processor of a computer device reads the computer instructions from the computer-readable storage medium, the processor executes the computer instructions, causing the computer device to perform the steps of any of the resource transfer processing methods described in the first, second, or third aspects above.

[0044] The technical effects of any of the implementation methods in aspects four through nine can be found in the technical effects of the implementation methods in aspects one, two, or three, and will not be repeated here. Attached Figure Description

[0045] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0046] Figure 1 A flowchart illustrating a resource transfer processing method applied to a management server, provided as an embodiment of this application; Figure 2 A flowchart illustrating the generation of resource transfer control instructions for a resource transfer processing method applied to a management server, provided in an embodiment of this application; Figure 3 This is a schematic diagram illustrating the process of sending a resource transfer control command to a business server, which is provided as an embodiment of the present application for a resource transfer processing method applied to a management server. Figure 4 A flowchart illustrating a resource transfer method applied to a third-party server, provided as an embodiment of this application; Figure 5 A flowchart illustrating a resource transfer processing method provided in an embodiment of this application; Figure 6 One of the schematic diagrams of a resource transfer processing device applied to a management server provided in an embodiment of this application; Figure 7 A second schematic diagram of a resource transfer processing device applied to a management server, provided as an embodiment of this application; Figure 8 A schematic diagram of a processing device for transferring resources to a third-party server, provided in an embodiment of this application; Figure 9 A schematic diagram of another resource transfer processing apparatus provided in an embodiment of this application; Figure 10 This is a schematic diagram of the structure of an electronic device provided in an embodiment of this application. Detailed Implementation

[0047] It should be noted that the terms "first," "second," etc., in the specification, claims, and drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence.

[0048] To make the objectives, technical solutions, and advantages of this application clearer, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this application, and not all of them. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application. Unless otherwise specified, the embodiments and features in the embodiments of this application can be arbitrarily combined with each other. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than that shown here.

[0049] The terms "first" and "second" in the specification, claims, and accompanying drawings of this application are used to distinguish different objects and not to describe a specific order. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims. Furthermore, the term "comprising" and any variations thereof are intended to cover non-exclusive protection. For example, a process, method, system, product, or apparatus that comprises a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units not listed, or may optionally include other steps or units inherent to such processes, methods, products, or apparatuses. "A plurality" in this application can mean at least two, for example, two, three, or more, and is not limited by the embodiments of this application.

[0050] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of this application, including various details to aid understanding. These embodiments should be considered merely exemplary. Therefore, those skilled in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of this application. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description. It should be noted that in the embodiments of this application, certain existing industry solutions such as software, components, and models may be mentioned. These should be considered exemplary, intended only to illustrate the feasibility of implementing the technical solutions of this application, and do not imply that the applicant has already used or necessarily used such solutions.

[0051] The acquisition, transmission, storage, and use of data in this application all comply with the requirements of relevant national laws and regulations.

[0052] The technical solutions provided by the embodiments of this application are described below with reference to the accompanying drawings.

[0053] With economic and social development, service providers are increasingly using vouchers to offset service fees in their resource transfer transactions, such as using coupons to deduct handling fees. Resource transfers based on preferential information typically involve communication between multiple terminal components. For example, when corporate clients of banks conduct transfers and payments through corporate online banking or mobile banking, this is completed through the back-end IT system. This process involves different business components within the IT system, including channel components such as the corporate online banking system and corporate mobile banking system; and business components such as the corporate cash management system, corporate equity system, and deposit system. The corporate cash management system is primarily responsible for the logical control of corporate client transfers; the deposit system is primarily responsible for the accounting of corporate client accounts; and the corporate equity system is primarily responsible for the issuance and use of electronic coupons.

[0054] In existing technologies, the process of transferring funds to corporate clients of banks involves network requests being initiated through channel components and then proceeding to various business components. Since data communication between these systems relies on network connections, issues such as network interruptions or temporary unavailability of a system due to technical failures can cause communication anomalies, affecting the certainty of transaction results and overall efficiency. Furthermore, the transfer control logic of corporate cash management systems within the banking system lacks the functionality for deducting transaction fees using electronic coupons. This necessitates manual processing of resource transfer files and manual entry of transaction fees by business personnel, and inconsistencies in coupon usage across systems can easily arise during the transfer execution process. The existing resource transfer processing by service providers suffers from low execution efficiency.

[0055] There is currently no effective solution to the above problems.

[0056] In view of this, embodiments of this application provide a method and apparatus for processing invoices. The method includes: establishing first mapping information for transfer preferential information via a management server based on a resource transfer request; the resource transfer request includes transfer cost information and transfer preferential information; sending an information locking request to a third-party server based on the transfer preferential information, so that the third-party server locks the transfer preferential information included in the second mapping information based on the information locking request, and returning the information locking request result to the management server; generating a resource transfer control instruction based on the transfer cost information, transfer preferential information, and the information locking request result; sending the resource transfer control instruction to a business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server; performing an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and having the third-party server perform a target information management operation on the transfer preferential information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation. This method provides a management mechanism for deducting transaction fees in resource transfer processing, enabling precise control over the deduction of transaction fees in resource transfer processing. It can improve the cross-system consistency of coupon usage, enhance the certainty of transaction results, and improve the execution efficiency of resource transfer processing.

[0057] The preferred embodiments of this application are described below with reference to the accompanying drawings. It should be understood that the preferred embodiments described herein are for illustration and explanation only and are not intended to limit this application. Furthermore, the embodiments and features described in the embodiments of this application can be combined with each other without conflict.

[0058] The resource transfer processing method provided in the embodiments of this application will be further explained below. This application provides a resource transfer processing method applied to a management server, such as... Figure 1 As shown, it includes the following steps: S101, Based on the resource transfer request, establish the first mapping information of transfer preferential information; the resource transfer request includes transfer cost information and transfer preferential information.

[0059] In practice, transfer incentive information represents the amount of resources that can be used to offset the transfer costs corresponding to the transfer cost information.

[0060] In some embodiments of this application, transfer discount information represents the amount of resources that can be used to offset the resource transfer fees corresponding to transfer cost information.

[0061] In the embodiments of this application, the target object can access the management server through a client of a terminal device.

[0062] In practice, the target device can access the management server through a client on a terminal device and send a resource transfer request to the management server. The resource transfer request includes transfer cost information and transfer discount information. Based on the resource transfer request, the management server establishes the first mapping information of the transfer discount information.

[0063] In some embodiments of this application, a first mapping information of transfer preferential information is established according to the resource transfer request. Specifically, in response to receiving a resource transfer request from the target object, a first mapping information of transfer preferential information is established.

[0064] In some embodiments of this application, establishing the first mapping information for transfer preferential information can specifically refer to establishing the first mapping information between resource transfer requests and transfer preferential information.

[0065] In some embodiments of this application, establishing the first mapping information for transfer preferential information can specifically be establishing the first mapping information between the transfer request identifier and the transfer preferential information.

[0066] In some embodiments of this application, the resource transfer request includes a transfer request identifier, the amount of resources to be transferred, transfer cost information, and transfer discount information.

[0067] In the embodiments of this application, the management server can be a corporate cash management system in the banking system, and the transfer of preferential information can be the identification information corresponding to a coupon selected by the target object for intended use; the corporate cash management system can be a server or a terminal device. The following embodiments of this application will be described using the corporate cash management system as a server as an example.

[0068] For example, the enterprise cash management system establishes a first mapping information of transfer preferential information based on the resource transfer request.

[0069] In an optional embodiment, the method further includes: storing the first mapping information into a preset deduction information database.

[0070] In this embodiment, by constructing first mapping information and storing it in a preset deduction information database, precise management of discount information on the management server side can be established, cross-system consistency of coupon usage can be improved, and the execution efficiency of resource transfer processing can be increased.

[0071] S102, based on the transfer discount information, send an information locking request to a third-party server, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server.

[0072] In the embodiments of this application, the third-party server may be a corporate rights and benefits system in the banking system. The corporate rights and benefits system stores second mapping information, which is mapping information associated with preferential information. The preferential information in the second mapping information includes the transfer preferential information. The corporate rights and benefits system may be a server or a terminal device. The following embodiments of this application are all described with the corporate rights and benefits system as a server as an example.

[0073] In practice, the management server generates an information locking request based on the transfer discount information and sends the information locking request to a third-party server, so that the third-party server locks the transfer discount information included in the second mapping information based on the received information locking request, and returns the information locking request result to the management server.

[0074] In the embodiments of this application, the third-party server locks the discount information, which can be done by freezing the coupons corresponding to the discount information. Freezing can be achieved by setting a status flag for the coupon, indicating that the coupon has been used and cannot be reused.

[0075] For example, the corporate cash management system sends an information lock request to the corporate equity system based on the transfer discount information, so that the corporate equity system locks the transfer discount information included in the second mapping information in the corporate equity system based on the information lock request, and returns the information lock request result to the corporate cash management system.

[0076] S103, based on transfer cost information, transfer discount information and information lock request results, generate resource transfer control instructions.

[0077] For example, the enterprise cash management system generates resource transfer control instructions based on transfer cost information, transfer discount information, and information lock request results.

[0078] In an optional embodiment, step S103, the process of generating a resource transfer control instruction based on transfer cost information, transfer discount information, and information lock request results, such as... Figure 2 As shown, this can be achieved through the following steps: S201, if the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality.

[0079] In some embodiments of this application, when the information locking request result is a first type of result, a first type of resource transfer control instruction is generated based on the transfer cost information and transfer preferential information, including preliminary verification transfer cost information; the preliminary verification procedure information is determined based on the transfer cost information and transfer preferential information.

[0080] In some embodiments of this application, the initial verification procedure information is the resource quantity represented by the transfer preferential information, and the remaining procedure fee is deducted when the resource transfer procedure fee corresponding to the transfer cost information is deducted.

[0081] In some embodiments of this application, if the amount of resources represented by the transfer discount information exceeds the resource transfer fee corresponding to the transfer cost information, then the value of the fee represented by the initial verification fee information is 0.

[0082] For example, by transferring the face value of the coupon corresponding to the preferential information, a fee reduction is applied to the result of the resource transfer fee corresponding to the transfer cost information. If the discount amount of the coupon corresponding to the preferential information exceeds the originally calculated fee, the full amount is deducted.

[0083] S202, if the result of the information locking request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information locking request, but no business error occurred.

[0084] In some embodiments of this application, when the information locking request result is a second type of result, a second type of resource transfer control instruction is generated based on the transfer cost information, including re-verification transfer cost information; the re-verification procedure information is determined based on the transfer cost information.

[0085] In some embodiments of this application, the value of the handling fee represented by the re-verification transfer cost information is the same as the value of the resource transfer handling fee corresponding to the transfer cost information.

[0086] In some embodiments of this application, the generated second type of resource transfer control instruction indicates that the resource transfer corresponding to the resource transfer request of the target object does not use coupons.

[0087] S104, the resource transfer control instruction is sent to the business server so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server.

[0088] In the embodiments of this application, the business server can be a deposit system in the banking system. The deposit system can be a server or a terminal device. The following embodiments of this application will be described using the example of the deposit system being a server.

[0089] For example, the enterprise cash management system sends a resource transfer control instruction to the deposit system, so that the deposit system executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the enterprise cash management system.

[0090] In some embodiments of this application, the management server, through resource transfer control instructions, communicates with the business system to execute resource transfer operations for accounting processing of transfer transactions, and records the mapping relationship between the transaction serial number and the electronic coupon. If the accounting processing is successful, it waits for asynchronous compensation operations to process the coupon redemption, indicating that the coupon has been used; if the accounting processing fails, it immediately communicates with the corporate rights system to unfreeze the coupon, indicating that the coupon can be reused; if a communication error occurs, it waits for asynchronous compensation operations to unfreeze the coupon; if an accounting processing error results in an unknown outcome, it waits for asynchronous compensation operations to redeem or unfreeze the coupon.

[0091] In one optional embodiment, if the resource transfer control instruction is a first type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is a second type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer preferential information; the second result information indicates that the transfer cost information has not been deducted based on the transfer preferential information.

[0092] In some embodiments, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; step S104, the process of sending the resource transfer control instruction to the business server, such as... Figure 3 As shown, it includes the following steps: S301, if the resource transaction type is identified as the first transaction type, the resource transfer control instruction is sent to the business server.

[0093] S302, if the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

[0094] For example, resource transfer can be a fund transfer transaction. The fund transfer transaction is initiated from the corporate online banking channel and is divided into single-step and multi-step types according to the process settings. A single-step type means that after the corporate online banking initiates the transaction by creating an order, the transfer processing logic is executed directly. A multi-step type means that after the corporate online banking initiates the transaction by creating an order, the transfer will not be executed immediately; it requires approval and review by an auditor before the transfer processing logic can be executed. In some embodiments of this application, the first transaction type can be a single-step type, and the second transaction type can be a multi-step type.

[0095] The method in this embodiment can send resource transfer control instructions to the business server by monitoring the approval results, thereby saving the time consumed in the resource transfer process and improving the execution efficiency of the resource transfer process.

[0096] In an optional embodiment, after executing step S104, which sends the resource transfer control instruction to the business server, the following is further performed: if the resource transaction type is identified as the second transaction type and the approval result corresponding to the resource transfer request indicates that the review has not passed, an asynchronous compensation operation is performed to restore the transfer preferential information to availability.

[0097] For example, in a multi-step processing flow, if an order is withdrawn, returned for review, or the process is deleted after the order is completed, the electronic coupons that were frozen during the order process need to be unfrozen, indicating that the coupons can be reused. If a communication error occurs, the coupons will be unfrozen by waiting for an asynchronous compensation mechanism.

[0098] S105, based on the transfer execution result corresponding to the resource transfer request, perform an asynchronous compensation operation; the asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and enabling the third-party server to perform target information management operations on the transfer preferential information included in the second mapping information based on the status update information.

[0099] Among them, target information management operations are information management operations corresponding to status update information; information management operations include unfreezing and cancellation.

[0100] In practice, the management server performs asynchronous compensation operations based on the transfer execution result corresponding to the resource transfer request. These asynchronous compensation operations include determining the status update information of the transfer discount information included in the first mapping information and sending this status update information to a third-party server. This allows the third-party server to perform target information management operations on the transfer discount information included in the second mapping information based on the status update information. The target information management operations are information management operations corresponding to the status update information; these operations include unfreezing and cancellation.

[0101] For example, the enterprise cash management system performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request. The asynchronous compensation operation includes the enterprise cash management system determining the status update information of the transfer preferential information included in the first mapping information and sending this status update information to the corporate equity system, so that the corporate equity system can perform target information management operations on the transfer preferential information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information of the transfer preferential information; the information management operation includes unfreezing and write-off.

[0102] In some embodiments of this application, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, the target information management operation is cancellation; if the transfer execution result is the second result information, the target information management operation is unfreezing.

[0103] In some embodiments of this application, the asynchronous compensation operation is performed periodically at preset time intervals.

[0104] In some embodiments of this application, the transfer execution result can be the result of a transfer transaction.

[0105] In some embodiments of this application, the resource transfer control instruction includes an accounting transaction number.

[0106] In some embodiments of this application, the method further includes: generating a mapping between electronic coupons and transaction serial numbers.

[0107] In practice, the mapping between electronic coupons and transaction serial numbers can be generated based on the first mapping information.

[0108] In some embodiments of this application, the asynchronous compensation operation specifically involves: querying electronic coupon records with abnormal status through a periodically executed automatic task; and retrieving the transfer transaction results using the electronic coupon by mapping the electronic coupon to the transaction serial number. If the transfer transaction result is successful, the electronic coupon is redeemed; if the transfer transaction result is unsuccessful, the electronic coupon is unfrozen; if the transfer transaction result is unknown, the process continues to wait for the transfer transaction result to be determined before further processing; if the transfer transaction result indicates that the transfer transaction did not actually occur, the electronic coupon is unfrozen.

[0109] The method in this embodiment can accurately synchronize the discount information in the management server and third-party servers through asynchronous compensation operations, which can improve the cross-system consistency of coupon usage, improve the certainty of transaction results, and improve the execution efficiency of the resource transfer process.

[0110] In some embodiments of this application, the method further includes: If the result of the information lock request is determined to be the third type of result, a resource transfer termination instruction is generated. The resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request. The third type of result indicates that a business error occurred during the execution of the information lock request.

[0111] The method in this embodiment can save time in the resource transfer process, improve the certainty of the transaction result, and increase the execution efficiency of the resource transfer process by terminating the resource transfer request corresponding to the resource transfer when a business error occurs.

[0112] The method described in the above embodiments can establish first mapping information of transfer preferential information based on a resource transfer request; send an information locking request to a third-party server based on the transfer preferential information, so that the third-party server locks the transfer preferential information included in the second mapping information based on the information locking request; generate a resource transfer control instruction based on transfer cost information, transfer preferential information, and the information locking request result; send the resource transfer control instruction to a business server, so that the business server executes a resource transfer operation based on the resource transfer control instruction and returns the transfer execution result corresponding to the resource transfer request to the management server; and perform an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request. This method can improve the execution efficiency of the resource transfer process.

[0113] In some embodiments of this application, the method includes: performing fault-tolerant processing on the communication process between the management server and a third-party server.

[0114] In practice, the communication process is fault-tolerant, including: if a clear business error occurs during the communication process, such as the coupon being unavailable, the transfer transaction is terminated and an error message is displayed; otherwise, the transfer transaction continues to be processed, but the electronic coupon will not be used in this transaction, and the coupon status will be confirmed through asynchronous compensation operations.

[0115] In some embodiments of this application, the method further includes: if the number of unfreezing or redemption failures of the transferred discount information exceeds a preset N times, or if other unknown abnormal states of the electronic coupon occur, a system alarm SMS will be sent, and manual intervention will be used for backup processing.

[0116] The resource transfer processing method provided in this application embodiment can establish a first mapping information of transfer discount information according to the resource transfer request, and then send an information locking request to a third-party server based on the transfer discount information. This allows the third-party server to lock the transfer discount information included in the second mapping information based on the information locking request. Then, based on the transfer cost information, the transfer discount information, and the information locking request result, the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. Finally, based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed, including determining the status update information of the transfer discount information included in the first mapping information, and having the third-party server perform target information management operations on the transfer discount information included in the second mapping information based on the status update information. This provides a management mechanism for handling fee deduction in resource transfer processing, achieving precise control of handling fee deduction in resource transfer processing, improving cross-system consistency of coupon usage, enhancing the certainty of transaction results, and increasing the execution efficiency of the resource transfer processing.

[0117] This application also provides another resource transfer processing method, applied to a third-party server, such as... Figure 4 As shown, it includes the following steps: S401, based on the received information locking request, lock the transfer discount information included in the second mapping information, and return the information locking request result to the management server.

[0118] In step S401, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and transfer discount information; the management server establishes the first mapping information of the transfer discount information according to the resource transfer request.

[0119] In some embodiments of this application, when the management server receives a resource transfer request, it establishes a first mapping information of transfer preferential information. Specifically, when the management server receives a resource transfer request for the target object, it establishes a first mapping information of transfer preferential information based on the resource transfer request.

[0120] In the embodiments of this application, transfer discount information can characterize the amount of resources that can be used to offset the resource transfer fees corresponding to the transfer cost information.

[0121] S402, when the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request, it performs a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation; wherein, the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform a target information management operation on the transfer discount information included in the second mapping information based on the status update information.

[0122] In step S402, the resource transfer control instruction is generated by the management server based on the transfer cost information, transfer discount information, and information locking request result; the transfer execution result corresponding to the resource transfer request is the result of the management server sending the resource transfer control instruction to the business server, causing the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returning it to the management server.

[0123] In one optional embodiment, the resource transfer control instruction includes a first type of resource transfer control instruction and a second type of resource transfer control instruction. If the result of the information lock request is determined to be a first type of result, a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information. The first type of result indicates that the execution of the information lock request is without abnormality. If the result of the information lock request is determined to be a second type of result, a second type of resource transfer control instruction is generated based on the transfer cost information. The second type of result indicates that an abnormality occurred during the execution of the information lock request, but no business error occurred.

[0124] In one optional embodiment, if the resource transfer control instruction is a first type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is a second type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer preferential information; the second result information indicates that the transfer cost information has not been deducted based on the transfer preferential information.

[0125] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, the target information management operation is cancellation; if the transfer execution result is the second result information, the target information management operation is unfreezing.

[0126] In an optional embodiment, the method further includes: if the result of the information locking request is determined to be a third type of result, the management server generates a resource transfer termination instruction; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0127] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the service server includes: If the resource transaction type is identified as the first transaction type, the resource transfer control instruction will be sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction will be sent to the business server.

[0128] In one alternative embodiment, the method further includes: If the resource transaction type is identified as the second transaction type and the approval result corresponding to the resource transfer request indicates that the review has failed, when the management server performs an asynchronous compensation operation, the transfer preferential information included in the second mapping information is unfrozen so that the transfer preferential information can be made available again.

[0129] The resource transfer processing method provided in the above embodiments, applied to a third-party server, can lock the transfer discount information included in the second mapping information based on the received information locking request, and return the information locking request result to the management server. When the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request, it performs a target information management operation on the transfer discount information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation. This method provides a management mechanism for handling fee deduction in resource transfer processing, enabling the third-party server and the management server to cooperate to achieve precise control of handling fee deduction in resource transfer processing. This improves the cross-system consistency of coupon usage, enhances the certainty of transaction results, and increases the execution efficiency of the resource transfer processing.

[0130] This application also provides another method for processing resource transfer, such as... Figure 5 As shown, it includes the following steps: S501, Based on the resource transfer request, establish the first mapping information of transfer preferential information; the resource transfer request includes transfer cost information and transfer preferential information.

[0131] S502, based on the transfer discount information, generates an information lock request.

[0132] S503, based on the information locking request, perform information locking on the transfer preferential information included in the second mapping information, and generate the information locking request result.

[0133] S504 generates a resource transfer control instruction based on transfer cost information, transfer discount information, and information lock request results.

[0134] S505 executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and generates the transfer execution result corresponding to the resource transfer request.

[0135] S506, based on the transfer execution result corresponding to the resource transfer request, perform an asynchronous compensation operation; the asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and performing target information management operation on the transfer preferential information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

[0136] The method of this embodiment provides a management mechanism for deducting transaction fees in the processing of resource transfers, thereby achieving precise control over the deduction of transaction fees in the processing of resource transfers, improving the certainty of transaction results, and increasing the execution efficiency of the resource transfer process.

[0137] Based on the same inventive concept, this application also provides a resource transfer processing device, which is deployed in a management server. Since this device corresponds to the resource transfer processing method applied to the management server in this application, and the principle by which this device solves the problem is similar to that of the method, the implementation of this device can refer to the implementation of the above method, and repeated details will not be elaborated further.

[0138] Figure 6 This illustration shows a schematic diagram of a resource transfer processing apparatus for a management server, as provided in an embodiment of this application. The resource transfer processing apparatus, such as... Figure 6 As shown, it includes: a mapping information establishment unit 601, an information locking control unit 602, a transfer instruction generation unit 603, a transfer instruction transmission unit 604, and an asynchronous compensation control unit 605.

[0139] The mapping information establishment unit 601 is used to establish first mapping information of transfer preferential information based on the resource transfer request; the resource transfer request includes transfer cost information and transfer preferential information. The information locking control unit 602 is used to send an information locking request to a third-party server based on the transfer discount information, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server. The transfer instruction generation unit 603 is used to generate resource transfer control instructions based on transfer cost information, transfer discount information, and information locking request results; The transfer instruction transmission unit 604 is used to send a resource transfer control instruction to the business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. The asynchronous compensation control unit 605 is used to perform asynchronous compensation operations based on the transfer execution result corresponding to the resource transfer request. The asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and enabling the third-party server to perform target information management operations on the transfer preferential information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation.

[0140] In an optional embodiment, the mapping information establishment unit 601 is further configured to: The first mapping information is stored in a preset deduction information database.

[0141] In an optional embodiment, the transfer instruction generation unit 603 is specifically used for: If the result of the information locking request is determined to be a first-type result, then a first-type resource transfer control instruction is generated based on the transfer cost information and transfer discount information; a first-type result indicates that the execution of the information locking request is without abnormality. If the result of the information lock request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information lock request, but no business error occurred.

[0142] In one optional embodiment, if the resource transfer control instruction is a first type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is a second type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer preferential information; the second result information indicates that the transfer cost information has not been deducted based on the transfer preferential information.

[0143] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, the target information management operation is cancellation; if the transfer execution result is the second result information, the target information management operation is unfreezing.

[0144] In one alternative embodiment, such as Figure 7 As shown, the device also includes a transfer termination control unit 701; the transfer termination control unit 701 is used for: If the result of the information lock request is determined to be the third type of result, a resource transfer termination instruction is generated. The resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request. The third type of result indicates that a business error occurred during the execution of the information lock request.

[0145] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; the transfer instruction transmission unit 604 is specifically used for: If the resource transaction type is identified as the first transaction type, the resource transfer control instruction will be sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction will be sent to the business server.

[0146] In an optional embodiment, the asynchronous compensation control unit 605 is further configured to: If the resource transaction type is identified as the second transaction type, and the approval result corresponding to the resource transfer request indicates that the review has failed, an asynchronous compensation operation is performed to restore the availability of the transfer preferential information.

[0147] Based on the same inventive concept, this application also provides a resource transfer processing device, which is deployed in a third-party server. Since this device corresponds to the resource transfer processing method applied to a third-party server in this application, and the principle by which this device solves the problem is similar to that of the method, the implementation of this device can refer to the implementation of the above method, and repeated details will not be elaborated further.

[0148] Figure 8 This illustration shows a schematic diagram of a resource transfer processing apparatus for a terminal device according to an embodiment of this application. The resource transfer processing apparatus, such as... Figure 8 As shown, it includes: an information locking response unit 801 and a compensation control response unit 802.

[0149] The information locking response unit 801 is used to lock the transfer discount information included in the second mapping information based on the received information locking request, and to return the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and transfer discount information; the management server establishes the first mapping information of the transfer discount information according to the resource transfer request; The compensation control response unit 802 is used to perform target information management operations on the transfer preferential information included in the second mapping information based on the status update information when the management server performs asynchronous compensation operations based on the transfer execution result corresponding to the resource transfer request. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation. The asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information and enabling the third-party server to perform target information management operations on the transfer preferential information included in the second mapping information based on the status update information. The resource transfer control instruction is generated by the management server based on the transfer cost information, transfer preferential information, and information locking request result. The transfer execution result corresponding to the resource transfer request is the result of the management server sending the resource transfer control instruction to the business server, enabling the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returning it to the management server.

[0150] In one optional embodiment, the resource transfer control instruction includes a first type of resource transfer control instruction and a second type of resource transfer control instruction. If the result of the information lock request is determined to be a first type of result, a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information. The first type of result indicates that the execution of the information lock request is without abnormality. If the result of the information lock request is determined to be a second type of result, a second type of resource transfer control instruction is generated based on the transfer cost information. The second type of result indicates that an abnormality occurred during the execution of the information lock request, but no business error occurred.

[0151] In one optional embodiment, if the resource transfer control instruction is a first type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the first result information; if the resource transfer control instruction is a second type of resource transfer control instruction, the transfer execution result corresponding to the resource transfer request is the second result information; the first result information indicates that the transfer cost information has been deducted based on the transfer preferential information; the second result information indicates that the transfer cost information has not been deducted based on the transfer preferential information.

[0152] In one optional embodiment, the status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, the target information management operation is cancellation; if the transfer execution result is the second result information, the target information management operation is unfreezing.

[0153] In an optional embodiment, the method further includes: if the result of the information locking request is determined to be a third type of result, the management server generates a resource transfer termination instruction; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

[0154] In an optional embodiment, the resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the service server includes: If the resource transaction type is identified as the first transaction type, the resource transfer control instruction will be sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction will be sent to the business server.

[0155] In an optional embodiment, the compensation control response unit is further configured to: If the resource transaction type is identified as the second transaction type and the approval result corresponding to the resource transfer request indicates that the review has failed, when the management server performs an asynchronous compensation operation, the transfer preferential information included in the second mapping information is unfrozen so that the transfer preferential information can be made available again.

[0156] Based on the same inventive concept, this application also provides a resource transfer processing device, which is deployed in a terminal device or server. Since this device is an embodiment of this application... Figure 5 The apparatus corresponding to the resource transfer processing method shown is similar in principle to the method in solving the problem. Therefore, the implementation of the apparatus can be referred to the implementation of the above method, and the repeated parts will not be described again.

[0157] Figure 9 This application provides a schematic diagram of the structure of another resource transfer processing apparatus, such as... Figure 9 As shown, it includes: The mapping construction unit 901 is used to establish the first mapping information of transfer preferential information based on the resource transfer request; the resource transfer request includes transfer cost information and transfer preferential information. Lock request unit 902 is used to generate an information lock request based on transfer discount information; The locking execution unit 903 is used to lock the transfer discount information included in the second mapping information based on the information locking request, and to generate the information locking request result; The transfer instruction unit 904 is used to generate resource transfer control instructions based on transfer cost information, transfer discount information, and information locking request results; The transfer execution unit 905 executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and generates the transfer execution result corresponding to the resource transfer request; The asynchronous compensation unit 906 is used to perform asynchronous compensation operations based on the transfer execution result corresponding to the resource transfer request. The asynchronous compensation operation includes determining the status update information of the transfer preferential information included in the first mapping information, and performing target information management operations on the transfer preferential information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation.

[0158] Based on the same inventive concept as the above-described method embodiments, this application also provides an electronic device. This electronic device can be used for resource transfer processing. In some embodiments, the electronic device can be a server. In other embodiments, the electronic device can be a terminal device. In this application embodiment, the structure of the electronic device can be as follows: Figure 10 As shown, it includes a memory 1001, a communication module 1003, and one or more processors 1002.

[0159] The memory 1001 is used to store computer programs executed by the processor 1002. The memory 1001 may mainly include a program storage area and a data storage area. The program storage area may store the operating system and programs required to run instant messaging functions, etc.; the data storage area may store various instant messaging information and operation instruction sets, etc.

[0160] Memory 1001 may be volatile memory, such as random-access memory (RAM); memory 1001 may also be non-volatile memory, such as read-only memory, flash memory, hard disk drive (HDD), or solid-state drive (SSD); or memory 1001 may be any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but is not limited thereto. Memory 1001 may be a combination of the above-mentioned memories.

[0161] The processor 1002 may include one or more central processing units (CPUs) or digital processing units, etc. The processor 1002 is used to implement the resource transfer processing method applied to the management server, or the resource transfer processing method applied to a third-party server, when calling a computer program stored in the memory 1001, or to implement the aforementioned... Figure 5 The resource transfer processing method is shown.

[0162] The communication module 1003 is used to communicate with electronic devices and other terminals or servers.

[0163] This application embodiment does not limit the specific connection medium between the memory 1001, communication module 1003, and processor 1002. This application embodiment... Figure 10 The memory 1001 and the processor 1002 are connected via a bus 1004, and the bus 1004 is in Figure 10 The connections between other components are shown in thick lines only and are not intended to be limiting. Bus 1004 can be divided into address bus, data bus, control bus, etc. For ease of illustration, Figure 10 The bus is represented by a single thick line, but this does not mean that there is only one bus or one type of bus.

[0164] Embodiments of this application also provide a computer storage medium storing computer-executable instructions for implementing the resource transfer processing method described in any embodiment of this application.

[0165] Embodiments of this application also provide a computer program product or computer program that includes computer instructions stored in a computer-readable storage medium. When a processor of a computer device reads the computer instructions from the computer-readable storage medium, the processor executes the computer instructions, causing the computer device to perform the resource transfer processing method in any of the above embodiments.

[0166] The program product may employ any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection having one or more wires, a portable disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof.

[0167] The above description is merely a specific embodiment of this application, but the scope of protection of this application is not limited thereto. Any changes or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application.

Claims

1. A method for processing resource transfer, characterized in that, Used for management servers; including: Based on the resource transfer request, a first mapping information of transfer incentive information is established; the resource transfer request includes transfer cost information and the transfer incentive information. Based on the transfer discount information, an information locking request is sent to a third-party server, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server; Based on the transfer cost information, the transfer discount information, and the information locking request result, a resource transfer control instruction is generated; The resource transfer control instruction is sent to the business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. Based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

2. The method according to claim 1, characterized in that, Before sending an information lock request to a third-party server based on the transfer discount information, the method further includes: The first mapping information is stored in a preset deduction information database.

3. The method according to claim 1, characterized in that, The step of generating resource transfer control instructions based on the transfer cost information, the transfer discount information, and the information locking request result includes: If the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality. If the result of the information locking request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information locking request, but no business error occurred.

4. The method according to claim 3, characterized in that, If the resource transfer control instruction is the first type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the first result information; If the resource transfer control instruction is the second type of resource transfer control instruction, then the transfer execution result corresponding to the resource transfer request is the second result information; The first result information indicates that the transfer cost information has been deducted based on the transfer discount information; The second result information indicates that the transfer cost information was not deducted based on the transfer discount information.

5. The method according to claim 3, characterized in that, The status update information is determined based on the transfer execution result; if the transfer execution result is the first result information, then the target information management operation is the write-off; If the transfer execution result is the second result information, then the target information management operation is the unfreezing.

6. The method according to claim 3, characterized in that, The method further includes: If the result of the information locking request is determined to be a third type of result, a resource transfer termination instruction is generated; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

7. The method according to claim 1, characterized in that, The resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; sending the resource transfer control instruction to the business server includes: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

8. The method according to claim 7, characterized in that, After sending the resource transfer control command to the business server, the process further includes: If the resource transaction type is identified as the second transaction type, and the approval result corresponding to the resource transfer request indicates that the review has failed, the asynchronous compensation operation is executed to restore the transfer preferential information to usability.

9. A method for processing resource transfer, characterized in that, Applied to a third-party server; the method includes: The system locks the transfer discount information included in the second mapping information based on the received information locking request, and returns the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and the transfer discount information; the management server establishes first mapping information of the transfer discount information according to the resource transfer request; When the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request, it performs a target information management operation on the transfer discount information included in the second mapping information based on the status update information. The target information management operation is an information management operation corresponding to the status update information. The information management operation includes unfreezing and cancellation. The asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information and causing the third-party server to perform the target information management operation on the transfer discount information included in the second mapping information based on the status update information. The resource transfer control instruction is generated by the management server based on the transfer cost information, the transfer discount information, and the information lock request result. The transfer execution result corresponding to the resource transfer request is the result of the management server sending the resource transfer control instruction to the business server, causing the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returning it to the management server.

10. A method for processing resource transfer, characterized in that, The method includes: Based on the resource transfer request, a first mapping information of transfer incentive information is established; the resource transfer request includes transfer cost information and the transfer incentive information. Based on the transfer discount information, an information lock request is generated; Based on the information locking request, the transfer discount information included in the second mapping information is locked, and an information locking request result is generated; Based on the transfer cost information, the transfer discount information, and the information locking request result, a resource transfer control instruction is generated; Based on the resource transfer control instruction, execute the resource transfer operation corresponding to the resource transfer request, and generate the transfer execution result corresponding to the resource transfer request; Based on the transfer execution result corresponding to the resource transfer request, an asynchronous compensation operation is performed; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and performing a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

11. A resource transfer processing apparatus, characterized in that, Applied to a management server; the device includes: A mapping information establishment unit is used to establish first mapping information of transfer preferential information based on a resource transfer request; the resource transfer request includes transfer cost information and the transfer preferential information. An information locking control unit is configured to send an information locking request to a third-party server based on the transfer discount information, so that the third-party server locks the transfer discount information included in the second mapping information based on the information locking request, and returns the information locking request result to the management server. A transfer instruction generation unit is used to generate a resource transfer control instruction based on the transfer cost information, the transfer discount information, and the information locking request result; A transfer instruction transmission unit is used to send the resource transfer control instruction to the business server, so that the business server executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and returns the transfer execution result corresponding to the resource transfer request to the management server. An asynchronous compensation control unit is used to perform an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and enabling the third-party server to perform target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

12. The apparatus according to claim 11, characterized in that, The transfer instruction generation unit is specifically used for: If the result of the information locking request is determined to be a first type of result, then a first type of resource transfer control instruction is generated based on the transfer cost information and the transfer discount information; the first type of result indicates that the execution of the information locking request is without abnormality. If the result of the information locking request is determined to be the second type of result, then a second type of resource transfer control instruction is generated based on the transfer cost information; the second type of result indicates that an anomaly occurred during the execution of the information locking request, but no business error occurred.

13. The apparatus according to claim 12, characterized in that, The device further includes a transfer termination control unit; the transfer termination control unit is used for: If the result of the information locking request is determined to be a third type of result, a resource transfer termination instruction is generated; the resource transfer termination instruction is used to terminate the resource transfer corresponding to the resource transfer request; the third type of result indicates that a business error occurred during the execution of the information locking request.

14. The apparatus according to claim 11, characterized in that, The resource transfer request further includes a resource transaction type identifier; the resource transaction type identifier includes a first transaction type and a second transaction type; the transfer instruction transmission unit is specifically used for: If the resource transaction type is identified as the first transaction type, then the resource transfer control instruction is sent to the business server; If the resource transaction type is identified as the second transaction type, then when the approval result corresponding to the resource transfer request is detected as having passed the review, the resource transfer control instruction is sent to the business server.

15. A resource transfer processing apparatus, characterized in that, Applied to a third-party server; the device includes: An information locking response unit is configured to lock the transfer discount information included in the second mapping information based on a received information locking request, and to return the information locking request result to the management server; wherein, the information locking request is sent by the management server to the third-party server based on the transfer discount information corresponding to the resource transfer request; the resource transfer request includes transfer cost information and the transfer discount information; the management server establishes first mapping information of the transfer discount information according to the resource transfer request; A compensation control response unit is configured to perform target information management operations on the transfer discount information included in the second mapping information based on status update information when the management server performs an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation; wherein, the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and causing the third-party server to perform the target information management operation on the transfer discount information included in the second mapping information based on the status update information; the resource transfer control instruction is generated by the management server based on the transfer cost information, the transfer discount information, and the information locking request result; the transfer execution result corresponding to the resource transfer request is the result returned by the management server after sending the resource transfer control instruction to the business server, causing the business server to execute the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction.

16. A resource transfer processing apparatus, characterized in that, The device includes: A mapping construction unit is used to establish first mapping information of transfer incentive information based on a resource transfer request; the resource transfer request includes transfer cost information and the transfer incentive information. A lock request unit is used to generate an information lock request based on the transfer discount information; A locking execution unit is configured to lock the transfer discount information included in the second mapping information based on the information locking request, and to generate an information locking request result; A transfer instruction unit is used to generate a resource transfer control instruction based on the transfer cost information, the transfer discount information, and the information locking request result; The transfer execution unit executes the resource transfer operation corresponding to the resource transfer request based on the resource transfer control instruction, and generates the transfer execution result corresponding to the resource transfer request; An asynchronous compensation unit is used to perform an asynchronous compensation operation based on the transfer execution result corresponding to the resource transfer request; the asynchronous compensation operation includes determining the status update information of the transfer discount information included in the first mapping information, and performing a target information management operation on the transfer discount information included in the second mapping information based on the status update information; the target information management operation is an information management operation corresponding to the status update information; the information management operation includes unfreezing and cancellation.

17. A computer-readable storage medium storing a computer program therein, characterized in that: When the computer program is executed by a processor, it implements the method of any one of claims 1 to 8, the method of claim 9, or the method of claim 10.

18. An electronic device, characterized in that, It includes a memory and a processor, wherein the memory stores a computer program that can run on the processor, and when the computer program is executed by the processor, it implements the method of any one of claims 1 to 8, the method of claim 9, or the method of claim 10.

19. A computer program product, characterized in that, It includes computer instructions stored in a computer-readable storage medium; when a processor of a computer device reads the computer instructions from the computer-readable storage medium, the processor executes the computer instructions, causing the computer device to perform the steps of the method of any one of claims 1 to 8, the method of claim 9, or the method of claim 10.

Images