Resource transfer method and device, electronic equipment, storage medium and program product

Abstract

The invention discloses a resource transfer method and device, electronic equipment, a storage medium and a program product. The method is applied to an account management server, and comprises the following steps: under the condition that processing prompt information sent by a processing terminal is received, obtaining a target account corresponding to the processing prompt information and first resource information corresponding to the target account; constructing a first request message based on the target account and the first resource information; sending a first request message to a resource transfer server; and under the condition that a first response message returned by the resource transfer server is received within the first preset time, performing resource transfer on the target account based on the first response message. According to the method and the device, the technical problem of relatively poor timeliness of resource transfer of the account in the account management server in related technologies is solved.

Description

Technical Field

[0001] This application relates to the field of resource management, and more specifically, to a resource transfer method, apparatus, electronic device, storage medium, and program product. Background Technology

[0002] As the demand for resource interaction between different servers increases, the requirements for the efficiency of resource transfer between them also become increasingly stringent. Currently, resource management strategies between account management servers and resource transfer servers rely on scheduled tasks and asynchronous notification mechanisms, resulting in poor timeliness for resource transfer of accounts on the account management server.

[0003] There is currently no effective solution to the above problems. Summary of the Invention

[0004] This application provides a resource transfer method, apparatus, electronic device, storage medium, and program product to at least solve the technical problem of poor timeliness in transferring resources from accounts in an account management server in related technologies.

[0005] According to one aspect of the embodiments of this application, a resource transfer method is provided, applied to an account management server, comprising: upon receiving a processing prompt message sent by a processing terminal, obtaining a target account corresponding to the processing prompt message and first resource information corresponding to the target account, wherein the processing prompt message is used to indicate that the processing terminal has successfully processed second resource information corresponding to the target account; constructing a first request message based on the target account and the first resource information, wherein the first request message is used to determine to a resource transfer server whether to transfer resources to the target account; sending the first request message to the resource transfer server; and upon receiving a first response message returned by the resource transfer server within a first preset time, performing resource transfer on the target account based on the first response message, wherein the first response message is sent by the resource transfer server upon determining that resource transfer is to be performed on the target account.

[0006] Furthermore, based on the first response message, resource transfer is performed on the target account, including: parsing the first response message to obtain resource transfer information, wherein the resource transfer information is used to represent information on resource transfer to the target account; verifying the resource transfer information based on the target account to obtain an information verification result, wherein the information verification result is used to represent whether the resource transfer information matches the target account; if the information verification result indicates that the resource transfer information matches the target account, resource transfer is performed on the target account based on the resource transfer information.

[0007] Furthermore, the resource transfer information includes: a resource receiving account and a resource sending account; based on the target account, the resource transfer information is verified to obtain an information verification result, including: based on the target account, using a first preset mapping relationship, determining the preset account corresponding to the target account, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; when the target account is the same as the resource receiving account and the preset account is the same as the resource sending account, the information verification result is determined to indicate that the resource transfer information matches the target account.

[0008] Furthermore, the resource transfer information also includes: the quantity of resources transferred; and transferring resources to the target account based on the resource transfer information, including: constructing a second request message based on the quantity of resources transferred and the preset account corresponding to the target account, wherein the second request message is used to deduct resources from the preset account according to the quantity of resources transferred; sending the second request message to the resource transfer server; and, if a second response message is received from the resource transfer server within a second preset time period, transferring resources to the target account according to the quantity of resources transferred, wherein the second response message is sent by the resource transfer server when resources are successfully deducted from the preset account.

[0009] Furthermore, the method also includes: if no second response message is received within a second preset time, repeatedly sending a second request message to the resource transfer server at a preset time interval, and recalculating the waiting time until a second response message is received within the second preset time, or the number of repetitions reaches a preset number, wherein the preset time interval is greater than the second preset time.

[0010] According to one aspect of the embodiments of this application, a resource transfer method is provided, applied to a resource transfer server, comprising: upon receiving a first request message sent by an account management server, parsing the first request message to obtain a target account and first resource information of the target account, wherein the first request message is sent by the account management server after receiving a processing prompt message sent by a processing terminal; determining, based on the first resource information, whether to transfer resources to the target account; if it is determined that resources should be transferred to the target account, determining resource transfer information of the target account; constructing a first response message based on the resource transfer information, and sending the first response message to the account management server, wherein the first response message is used to control the account management server to transfer resources to the target account.

[0011] Further, based on the first resource information, determining whether to transfer resources to the target account includes: based on the target account, using a second preset mapping relationship to determine a resource transfer threshold, wherein the second preset mapping relationship is used to characterize the mapping relationship between the target account and the resource transfer threshold; and if the first resource information is less than the resource transfer threshold, determining to transfer resources to the target account.

[0012] Further, determining the resource transfer information of the target account includes: determining the quantity of resources to be transferred from the target account; based on the target account, using a first preset mapping relationship, determining the preset account corresponding to the target account, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; and constructing resource transfer information based on the target account, the preset account, and the quantity of resources transferred.

[0013] Furthermore, the method also includes: upon receiving a second request message from the account management server, deducting resources from a preset account according to the resource transfer quantity to obtain a deduction execution result, wherein the deduction execution result is used to indicate whether the resource deduction from the preset account was successful; if the deduction execution result indicates that the resource deduction from the preset account was successful, constructing a second response message; and sending the second response message to the account management server, wherein the second response message is used to control the account management server to transfer resources from the target account according to the resource transfer quantity.

[0014] According to another aspect of the embodiments of this application, a resource transfer device is also provided, applied to an account management server, comprising: an information acquisition module, configured to acquire a target account corresponding to the processing prompt information and first resource information corresponding to the target account upon receiving processing prompt information sent by a processing terminal, wherein the processing prompt information is used to indicate that the processing terminal has successfully processed second resource information corresponding to the target account; a request construction module, configured to construct a first request message based on the target account and the first resource information, wherein the first request message is used to determine to a resource transfer server whether to transfer resources to the target account; a request sending module, configured to send the first request message to the resource transfer server; and a resource transfer module, configured to transfer resources to the target account based on the first response message upon receiving a first response message returned by the resource transfer server within a first preset time, wherein the first response message is sent by the resource transfer server upon determining that resources to transfer the target account should be transferred.

[0015] According to another aspect of the embodiments of this application, a resource transfer apparatus is also provided, applied to a resource transfer server, comprising: a request parsing module, configured to parse a first request message sent by an account management server to obtain a target account and first resource information of the target account, wherein the first request message is sent by the account management server after receiving a processing prompt message sent by a processing terminal; a demand determination module, configured to determine whether to transfer resources to the target account based on the first resource information; an information determination module, configured to determine the resource transfer information of the target account if it is determined that resources will be transferred to the target account; and a first construction module, configured to construct a first response message based on the resource transfer information and send the first response message to the account management server, wherein the first response message is used to control the account management server to transfer resources to the target account.

[0016] According to another aspect of the embodiments of this application, an electronic device is also provided, including: a memory storing an executable program; and a processor for running the program, wherein the program executes the methods in various embodiments of this application when it runs.

[0017] According to another aspect of the embodiments of this application, a computer-readable storage medium is also provided, the computer-readable storage medium including a stored executable program, wherein, when the executable program is running, it controls the device where the computer-readable storage medium is located to perform the methods of various embodiments of this application.

[0018] According to another aspect of the embodiments of this application, a computer program product is also provided, including a computer program that, when executed by a processor, implements the methods of various embodiments of this application.

[0019] According to another aspect of the embodiments of this application, a computer program product is also provided, including a non-volatile computer-readable storage medium storing a computer program that, when executed by a processor, implements the methods in various embodiments of this application.

[0020] In this embodiment, upon receiving a processing prompt from a processing terminal, the system acquires the target account corresponding to the processing prompt and the first resource information corresponding to the target account; constructs a first request message based on the target account and the first resource information; sends the first request message to a resource transfer server; and, upon receiving a first response message from the resource transfer server within a first preset time, performs resource transfer on the target account based on the first response message. By constructing the first request message and sending it to the resource transfer server, the resource transfer server can automatically determine whether resource transfer of the target account is necessary based on the target account and the first resource information contained in the first request message. After determining that resource transfer of the target account is necessary, the resource transfer server sends a first response message back to the account management server, enabling the account management server to determine whether resource transfer of the target account is necessary based on the first response message. After determining that resource transfer of the target account is necessary, the account management server can automatically complete the resource transfer operation for the target account, thereby improving the timeliness and accuracy of resource transfer and achieving the technical effect of improving the timeliness of resource transfer of accounts in the account management server. This solves the technical problem of poor timeliness of resource transfer of accounts in the account management server in related technologies. Attached Figure Description

[0021] The accompanying drawings, which are included to provide a further understanding of this application and form part of this application, illustrate exemplary embodiments and are used to explain this application, but do not constitute an undue limitation of this application. In the drawings:

[0022] Figure 1 This is a flowchart of a resource transfer method according to an embodiment of this application;

[0023] Figure 2 This is a flowchart of another resource transfer method according to an embodiment of this application;

[0024] Figure 3 This is a schematic diagram illustrating an application scenario of an optional resource transfer method according to an embodiment of this application;

[0025] Figure 4 This is a schematic diagram of a resource transfer device according to an embodiment of this application;

[0026] Figure 5 This is a schematic diagram of another resource transfer device according to an embodiment of this application. Detailed Implementation

[0027] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0028] The collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0029] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, they do not mean that the applicant has used or necessarily used the solution.

[0030] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. 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. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0031] According to an embodiment of this application, an embodiment of a resource transfer method is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0032] Figure 1 This is a flowchart of a resource transfer method according to an embodiment of this application, such as... Figure 1 As shown, this method is applied to an account management server and includes the following steps:

[0033] Step S102: Upon receiving a processing prompt message from the processing terminal, obtain the target account corresponding to the processing prompt message and the first resource information corresponding to the target account. The processing prompt message is used to indicate that the processing terminal has successfully processed the second resource information corresponding to the target account.

[0034] The aforementioned account management server can be a server used to transfer resources to the target account.

[0035] The aforementioned processing terminal can be a device used to deduct resources from an account in the account management server, convert the deducted resources into other forms of resources, and feed them back to the corresponding account.

[0036] The aforementioned processing prompt information may be used to indicate that the processing terminal has completed resource deduction.

[0037] The target account mentioned above can be an account in the account management server where the processing terminal deducts resources.

[0038] The aforementioned first resource information may be information used to describe the remaining resources in the aforementioned target account.

[0039] The aforementioned second resource information may be information used to describe the resources deducted from the aforementioned target account by the aforementioned processing terminal.

[0040] In an optional embodiment, considering that the first resource information reflects the remaining resources in the target account, timely understanding of the remaining resources of the target account allows for timely resource transfer to the target account when the remaining resources are low. Therefore, after receiving the processing prompt information sent by the processing terminal, the account management server can immediately obtain the target account corresponding to the processing prompt information and the first resource information corresponding to the target account, so as to automatically determine whether to transfer resources to the target account based on the target account and the first resource information.

[0041] Step S104: Based on the target account and the first resource information, construct a first request message, wherein the first request message is used to determine with the resource transfer server whether to transfer resources to the target account.

[0042] The aforementioned first request message may be generated based on the aforementioned target account and first resource information, and is used to determine with the aforementioned resource transfer server whether to transfer resources to the target account.

[0043] The aforementioned resource transfer server can be a server used to control resource transfer.

[0044] In an optional embodiment, since the resource transfer server controls the resource transfer process for the target account, the account management server can encapsulate the target account and the first resource information into the first request message, so that the resource transfer server can determine whether the target account needs to be transferred based on the target account and the first resource information of the target account, thereby realizing automated control of the resource transfer process.

[0045] For example, the first resource information mentioned above reflects the remaining resources of the target account. The account management server can write the target account and the first resource information corresponding to the target account into the first request message, so that the resource transfer server can compare the first resource information with the preset resource threshold to determine whether the target account needs to be transferred.

[0046] Step S106: Send a first request message to the resource transfer server.

[0047] In an optional embodiment, in order to improve the efficiency of determining whether resource transfer of the target account is required, after the account management server completes the construction of the first request message, it can immediately send the first request message to the resource transfer server through wireless communication technology or the Internet, so that the resource transfer server can process the first request message in a timely manner.

[0048] Step S108: If a first response message is received from the resource transfer server within a first preset time, the resource transfer is performed on the target account based on the first response message. The first response message is sent by the resource transfer server when it determines that the resource transfer will be performed on the target account.

[0049] The aforementioned first response message can be constructed by the resource transfer server when it determines that a resource transfer needs to be performed on the target account, and sent to the account management server. The first response message may include the resource receiving account and resource sending account returned by the resource transfer server, used to control the account management server to initiate the resource transfer process.

[0050] In an optional embodiment, considering that the account management server needs to receive feedback from the resource transfer server after sending the first request message before initiating the resource transfer process, if the account management server does not receive a first response message from the resource transfer server within the first preset time, it indicates that the resource transfer server determines that it does not need to transfer resources for the target account. In this case, the account management server does not need to perform any operation on the target account. If the account management server receives a first response message from the resource transfer server within the first preset time, it indicates that the resource transfer server determines that it needs to transfer resources for the target account. In this case, the account management server can transfer resources for the target account according to the specific content of the first response message.

[0051] In this embodiment, upon receiving a processing prompt from a processing terminal, the system acquires the target account corresponding to the processing prompt and the first resource information corresponding to the target account; constructs a first request message based on the target account and the first resource information; sends the first request message to a resource transfer server; and, upon receiving a first response message from the resource transfer server within a first preset time, performs resource transfer on the target account based on the first response message. By constructing the first request message and sending it to the resource transfer server, the resource transfer server can automatically determine whether resource transfer of the target account is necessary based on the target account and the first resource information contained in the first request message. After determining that resource transfer of the target account is necessary, the resource transfer server sends a first response message back to the account management server, enabling the account management server to determine whether resource transfer of the target account is necessary based on the first response message. After determining that resource transfer of the target account is necessary, the account management server can automatically complete the resource transfer operation for the target account, thereby improving the timeliness and accuracy of resource transfer and achieving the technical effect of improving the timeliness of resource transfer of accounts in the account management server. This solves the technical problem of poor timeliness of resource transfer of accounts in the account management server in related technologies.

[0052] Furthermore, based on the first response message, resource transfer is performed on the target account, including: parsing the first response message to obtain resource transfer information, wherein the resource transfer information is used to represent information on resource transfer to the target account; verifying the resource transfer information based on the target account to obtain an information verification result, wherein the information verification result is used to represent whether the resource transfer information matches the target account; if the information verification result indicates that the resource transfer information matches the target account, resource transfer is performed on the target account based on the resource transfer information.

[0053] The aforementioned resource transfer information can be information used to transfer resources to the target account. For example, the aforementioned resource transfer information may include the account in the account management server that actually needs to transfer resources, as fed back by the resource transfer server, and the account that needs to perform the corresponding resource deduction operation in the resource transfer server in order to complete the resource transfer of the account.

[0054] The verification result described above can be used to reflect whether the target account matches the resource transfer information after verifying the target account and resource transfer information. If the target account and resource transfer information do not match, it means that the resource transfer information returned by the resource transfer server is incorrect, and the account management server needs to resend the first request message to the resource transfer server.

[0055] In one optional embodiment, considering that the resource transfer information fed back by the resource transfer server should match the resource transfer requirements in the account management server, errors should be avoided during the resource transfer process. For example, resources that should be transferred to the target account might be mistakenly transferred to another account. Based on this, upon receiving the first response message, the account management server needs to parse the first response message to obtain the resource transfer information generated by the resource transfer server. This information includes at least the account determined by the resource transfer server that needs to undergo resource transfer. Therefore, the account management server can use the target account to verify the account determined by the resource transfer server, thereby determining whether the target account matches the resource transfer information, and constructing the information verification result. If the information verification result shows that the resource transfer information matches the target account, it means that the resource transfer information fed back by the resource transfer server is correct, and the account management server can start transferring resources to the target account based on the resource transfer information.

[0056] For example, if the above information verification result shows that the above resource transfer information does not match the target account, it means that there is an error in the resource transfer information returned by the resource transfer server. In order to avoid transferring resources to other accounts by mistake, the account management server can also send the first request message to the resource transfer server again, and repeat the above verification process after receiving the new first response message, so as to ensure that the account management server can transfer resources to the target account based on the correct resource transfer information.

[0057] Furthermore, the resource transfer information includes: a resource receiving account and a resource sending account; based on the target account, the resource transfer information is verified to obtain an information verification result, including: based on the target account, using a first preset mapping relationship, determining the preset account corresponding to the target account, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; when the target account is the same as the resource receiving account and the preset account is the same as the resource sending account, the information verification result is determined to indicate that the resource transfer information matches the target account.

[0058] The aforementioned resource receiving account can be the account that needs to be transferred, determined by the resource transfer server based on the aforementioned first request message.

[0059] The aforementioned resource sending account can be an account on the resource transfer server that corresponds to the aforementioned resource receiving account, as determined by the resource transfer server. When the account management server transfers resources to the aforementioned resource receiving account according to a certain amount of resources, the resource transfer server needs to deduct an equal amount of resources from the resource sending account corresponding to the aforementioned resource receiving account.

[0060] In an optional embodiment, to improve the accuracy of resource transfer information verification and avoid confusion during the resource transfer process, the account management server can extract the resource receiving account and resource sending account determined by the resource transfer server from the aforementioned resource transfer information. In this case, the verification of the resource transfer information is actually a verification of the aforementioned resource receiving account and resource sending account. Therefore, the account management server can determine a preset account matching the target account based on the target account and using the mapping relationship between the target account and preset accounts, i.e., the aforementioned first preset mapping relationship. This preset account is an account in the resource transfer server. Subsequently, the account management server can compare the target account with the resource receiving account, and simultaneously compare the preset account with the resource sending account. Only when the target account and resource receiving account are the same, and the preset account and resource sending account are the same, can the account management server determine that the information verification result is a match between the resource transfer information and the target account. At this point, the account management server can perform resource transfer on the target account according to the aforementioned resource transfer information.

[0061] Furthermore, the resource transfer information also includes: the quantity of resources transferred; and transferring resources to the target account based on the resource transfer information, including: constructing a second request message based on the quantity of resources transferred and the preset account corresponding to the target account, wherein the second request message is used to deduct resources from the preset account according to the quantity of resources transferred; sending the second request message to the resource transfer server; and, if a second response message is received from the resource transfer server within a second preset time period, transferring resources to the target account according to the quantity of resources transferred, wherein the second response message is sent by the resource transfer server when resources are successfully deducted from the preset account.

[0062] The aforementioned second request message may be sent to the resource transfer server after the account management server has prepared to transfer resources to the target account. It is used to instruct the resource transfer server to deduct resources from the aforementioned preset account according to the amount of resources to be transferred.

[0063] The aforementioned second response message may be sent to the account management server after the resource transfer server successfully deducts resources from the aforementioned preset account, and is used to control the account management server to perform resource management on the aforementioned target account.

[0064] In an optional embodiment, considering that the resource transfer operation on the target account in the account management server and the resource deduction operation on the preset account in the resource transfer server need to ensure atomicity to avoid mismatch between resource transfer and resource deduction, the account management server can further extract the resource transfer quantity reported by the resource transfer server from the resource transfer information after determining that the resource transfer information matches the target account, to clarify the amount of resources transferred to the target account. Subsequently, the account management server can construct a second request message based on the resource transfer quantity and the preset account corresponding to the target account, and send the second request message to the resource transfer server via wireless communication technology or the Internet to instruct the resource transfer server to deduct resources from the preset account according to the resource transfer quantity, thereby ensuring that the amount of resources transferred to the target account is consistent with the amount of resources deducted from the preset account. After the second request information is sent, if the account management server receives the second response message from the resource transfer server within the second preset time, it indicates that the resource transfer server has successfully deducted resources from the preset account according to the above-mentioned resource transfer quantity. At this time, the account management server can transfer resources to the target account according to the above-mentioned resource transfer quantity, thereby ensuring that the resource transfer operation in the account management server and the resource deduction operation in the resource transfer server are atomic while realizing the resource transfer to the target account.

[0065] Furthermore, the method also includes: if no second response message is received within a second preset time, repeatedly sending a second request message to the resource transfer server at a preset time interval, and recalculating the waiting time until a second response message is received within the second preset time, or the number of repetitions reaches a preset number, wherein the preset time interval is greater than the second preset time.

[0066] In an optional embodiment, considering that after the second request message is sent, the account management server may not receive the second response message within the second preset time period due to network fluctuations or other reasons, in order to smoothly advance the resource transfer process for the target account, the account management server can repeatedly send the second request message to the resource transfer server based on the time point when the second request message was last sent, after the preset time interval, and recalculate the waiting time from the current time point when the second request message was sent, until the second response message is received within the second preset time period, or the number of repetitions reaches the preset number. In order to avoid repeatedly sending the second request message within the second preset time period, resulting in a large number of redundant messages, the account management server can set the preset time interval to be greater than the second preset time period.

[0067] According to an embodiment of this application, another embodiment of a resource transfer method is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0068] Figure 2 This is a flowchart of another resource transfer method according to an embodiment of this application, such as... Figure 2 As shown, this method is applied to a resource transfer server and includes the following steps:

[0069] Step S202: Upon receiving the first request message from the account management server, the first request message is parsed to obtain the target account and the first resource information of the target account. The first request message is sent by the account management server after receiving the processing prompt information from the processing terminal.

[0070] In an optional embodiment, considering that after receiving the first request message, the resource transfer server needs to determine whether it is necessary to transfer resources to the account in the account management server, in order to ensure the accuracy of the determination process, the resource transfer server can parse the first request message to obtain the target account and the first resource information of the target account, so as to accurately determine whether it is necessary to transfer resources to the target account based on the first resource information.

[0071] Step S204: Based on the first resource information, determine whether to transfer resources to the target account.

[0072] In an optional embodiment, considering that the first resource information reflects the remaining resources of the target account, the resource transfer server can determine whether the remaining resources in the target account are sufficient based on the first resource information, and thus determine whether to transfer resources to the target account.

[0073] For example, the resource transfer server can evaluate the first resource information based on a preset resource threshold. If the remaining resources of the target account reflected in the first resource information are less than the preset resource threshold, the resource transfer server can determine to transfer resources to the target account.

[0074] Step S206: If it is determined that resources will be transferred to the target account, determine the resource transfer information of the target account.

[0075] In an optional embodiment, considering that if it is determined that a resource transfer will be performed on the target account, the resource transfer server needs to guide the account management server to perform the resource transfer on the target account. Therefore, in order for the account management server to quickly initiate the resource transfer process for the target account and to ensure that the actual resource transfer operation performed by the account management server conforms to the preset rules in the resource transfer server, the resource transfer server needs to generate the above-mentioned resource transfer information. This allows the account management server to accurately complete the resource transfer for the target account based on the above-mentioned resource transfer information, thereby avoiding errors during the resource transfer process.

[0076] Step S208: Based on the resource transfer information, construct a first response message and send the first response message to the account management server. The first response message is used to control the account management server to transfer resources to the target account.

[0077] In an optional embodiment, considering that after determining the above-mentioned resource transfer information, in order to enable the account management server to smoothly initiate the resource transfer process for the target account, the resource transfer server may also construct a first response message based on the above-mentioned resource transfer information, and send the above-mentioned first response message to the account management server through wireless communication technology or the Internet, thereby controlling the account management server to initiate the resource transfer for the target account.

[0078] Further, based on the first resource information, determining whether to transfer resources to the target account includes: based on the target account, using a second preset mapping relationship to determine a resource transfer threshold, wherein the second preset mapping relationship is used to characterize the mapping relationship between the target account and the resource transfer threshold; and if the first resource information is less than the resource transfer threshold, determining to transfer resources to the target account.

[0079] The aforementioned resource transfer threshold can be customized by the user using the target account in the resource transfer server, representing the threshold for the amount of resources required to initiate a resource transfer to the target account. When the remaining resources of the target account, as reflected in the first resource information, are less than the aforementioned resource transfer threshold, the resource transfer server can determine to transfer resources to the target account.

[0080] In an optional embodiment, considering that different users have different requirements for the amount of remaining resources in their accounts on the account management server, in order to meet the needs of users using the target account, the user can customize the resource transfer threshold on the resource transfer server. This allows the resource transfer server to automatically determine whether to transfer resources to the target account based on the relationship between the remaining resources of the target account and the resource transfer threshold. Therefore, to improve the accuracy of the determination process, after the user completes the setting of the resource transfer threshold, the resource transfer server can construct a mapping relationship between the target account and the resource transfer threshold, thereby obtaining the second preset mapping relationship. This allows the resource transfer server to quickly determine the resource transfer threshold corresponding to the target account based on the target account and using the second preset mapping relationship in practical applications. After determining the resource transfer threshold, the resource transfer server can compare the first resource information with the resource transfer threshold. If the first resource information is less than the resource transfer threshold, the resource transfer server can determine to transfer resources to the target account.

[0081] Further, determining the resource transfer information of the target account includes: determining the quantity of resources to be transferred from the target account; based on the target account, using a first preset mapping relationship, determining the preset account corresponding to the target account, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; and constructing resource transfer information based on the target account, the preset account, and the quantity of resources transferred.

[0082] The resource transfer quantity mentioned above can be customized by the user on the resource transfer server, representing the number of resources to be transferred to the target account. By setting the resource transfer quantity, the user is spared the need to manually enter the number of resources to be transferred each time a resource transfer is performed, thereby improving the automation level of resource transfer.

[0083] In an optional embodiment, considering that during the resource transfer process from the target account to the account management server, the resource transfer server needs to deduct resources from the preset account corresponding to the target account, in order to accurately determine the preset account, the resource transfer server can determine the preset account corresponding to the target account based on the target account and the mapping relationship between the target account and the preset account, i.e., the aforementioned first preset mapping relationship. Subsequently, in order to clearly guide the account management server on how much resource to transfer to the target account, the resource transfer server can construct the aforementioned resource transfer information based on the target account, the preset account, and the user-defined resource transfer quantity. To ensure a high degree of matching between the resource transfer quantity and the target account, the resource transfer server can also bind the resource transfer quantity and the target account when the user defines the aforementioned resource transfer quantity.

[0084] Furthermore, the method also includes: upon receiving a second request message from the account management server, deducting resources from a preset account according to the resource transfer quantity to obtain a deduction execution result, wherein the deduction execution result is used to indicate whether the resource deduction from the preset account was successful; if the deduction execution result indicates that the resource deduction from the preset account was successful, constructing a second response message; and sending the second response message to the account management server, wherein the second response message is used to control the account management server to transfer resources from the target account according to the resource transfer quantity.

[0085] In an optional embodiment, considering that once the resource transfer server receives the second request message, it indicates that the resource transfer information constructed by the resource transfer server matches the target account in the account management server, in order to continue the resource transfer process for the target account, the resource transfer server can deduct resources from the preset account according to the aforementioned resource transfer quantity, and construct the aforementioned deduction execution result based on whether the resource deduction of the preset account is successful. If the resource deduction of the preset account is successful, in order to inform the account management server that the resource deduction operation has been successfully executed, the resource transfer server can construct the aforementioned second response message and send the aforementioned second response message to the account management server using wireless communication technology or the Internet, so as to control the account management server to transfer resources to the target account according to the resource transfer quantity.

[0086] For ease of understanding, Figure 3 This is a schematic diagram illustrating an application scenario of an optional resource transfer method according to an embodiment of this application, such as... Figure 3As shown, this scenario depicts an online top-up of a campus card. When a user makes a purchase using their campus card, the payment terminal (i.e., the aforementioned processing terminal) deducts the balance (i.e., the aforementioned resources) from the campus card account (i.e., the aforementioned target account) and sends a purchase notification (i.e., the aforementioned processing prompt information) to the campus card platform (i.e., the aforementioned account management server). The campus card platform then synchronizes the purchase notification to the payment platform and sends the campus card account and its corresponding balance (i.e., the aforementioned first resource information) to the payment platform (i.e., the aforementioned resource transfer server). This allows the payment platform to determine whether to top up the campus card account. Upon receiving the campus card account and balance, the payment platform obtains the balance threshold (i.e., the aforementioned resource transfer threshold) pre-set by the user. If the balance is less than the threshold, the payment platform determines that the campus card account needs to be topped up. The top-up amount (i.e., the aforementioned resource transfer quantity) is also pre-set by the user. Subsequently, the payment platform feeds back the determination result and the top-up amount to the campus card platform to trigger the automatic top-up mechanism. Once the campus card platform receives feedback requesting a top-up for a campus card account, it generates an order and sends it to the payment platform. Upon receiving the order, the payment platform deducts the amount from the balance in the payment platform account corresponding to the campus card account. After successful deduction, it sends feedback to the campus card platform. If the campus card platform receives confirmation of successful deduction, it tops up the campus card account accordingly. If the campus card platform does not receive confirmation of successful deduction, it can send a query to the payment platform again.

[0087] According to an embodiment of this application, a resource transfer device is provided. It should be noted that this device can be used to execute the resource transfer method applied to an account management server as described above. The specific implementation process and application scenarios are the same as in the above embodiment, and will not be repeated here. Figure 4 This is a schematic diagram of a resource transfer device according to an embodiment of this application, such as... Figure 4 As shown, this device is used in an account management server and includes:

[0088] The information acquisition module 402 is used to acquire the target account corresponding to the processing prompt information and the first resource information corresponding to the target account when receiving the processing prompt information sent by the processing terminal. The processing prompt information is used to indicate that the processing terminal has successfully processed the second resource information corresponding to the target account.

[0089] The request construction module 404 is used to construct a first request message based on the target account and the first resource information. The first request message is used to determine with the resource transfer server whether to transfer resources to the target account.

[0090] The request sending module 406 is used to send a first request message to the resource transfer server.

[0091] The resource transfer module 408 is used to transfer resources to the target account based on the first response message returned by the resource transfer server within a first preset time. The first response message is sent by the resource transfer server when it determines that it will transfer resources to the target account.

[0092] Furthermore, the resource transfer module is also used to: parse the first response message to obtain resource transfer information, wherein the resource transfer information is used to represent information on resource transfer to the target account; verify the resource transfer information based on the target account to obtain an information verification result, wherein the information verification result is used to represent whether the resource transfer information matches the target account; and if the information verification result indicates that the resource transfer information matches the target account, perform resource transfer to the target account based on the resource transfer information.

[0093] Furthermore, the resource transfer information includes: a resource receiving account and a resource sending account; the resource transfer module is also used to: determine a preset account corresponding to the target account based on the target account and using a first preset mapping relationship, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; when the target account is the same as the resource receiving account and the preset account is the same as the resource sending account, determine the information verification result to characterize the resource transfer information matching the target account.

[0094] Furthermore, the resource transfer information also includes: the quantity of resources transferred; the resource transfer module is also used to: construct a second request message based on the quantity of resources transferred and the preset account corresponding to the target account, wherein the second request message is used to deduct resources from the preset account according to the quantity of resources transferred; send the second request message to the resource transfer server; and, if a second response message is received from the resource transfer server within a second preset time period, transfer resources to the target account according to the quantity of resources transferred, wherein the second response message is sent by the resource transfer server when resources are successfully deducted from the preset account.

[0095] Furthermore, the device also includes a request retransmission module, which, if no second response message is received within a second preset time period, repeatedly sends a second request message to the resource transfer server at a preset time interval and recalculates the waiting time until a second response message is received within the second preset time period, or the number of repetitions reaches a preset number, wherein the preset time interval is greater than the second preset time period.

[0096] According to an embodiment of this application, another embodiment of a resource transfer device is provided. It should be noted that this device can be used to execute the resource transfer method applied to a resource transfer server as described above. The specific implementation process and application scenarios are the same as those in the above embodiments, and will not be repeated here. Figure 5 This is a schematic diagram of another resource transfer device according to an embodiment of this application, such as... Figure 5 As shown, this device is used in a resource transfer server and includes:

[0097] The request parsing module 502 is used to parse the first request message sent by the account management server to obtain the target account and the first resource information of the target account. The first request message is sent by the account management server after receiving the processing prompt information sent by the processing terminal.

[0098] The requirement determination module 504 is used to determine whether to transfer resources to the target account based on the first resource information.

[0099] The information determination module 506 is used to determine the resource transfer information of the target account when it is determined that a resource transfer will be carried out on the target account.

[0100] The first construction module 508 is used to construct a first response message based on resource transfer information and send the first response message to the account management server. The first response message is used to control the account management server to transfer resources to the target account.

[0101] Furthermore, the demand determination module is also used to: determine a resource transfer threshold based on the target account using a second preset mapping relationship, wherein the second preset mapping relationship is used to characterize the mapping relationship between the target account and the resource transfer threshold; and determine to transfer resources to the target account when the first resource information is less than the resource transfer threshold.

[0102] Furthermore, the information determination module is also used to: determine the number of resources transferred from the target account; based on the target account, determine the corresponding preset account using a first preset mapping relationship, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources from the target account; and construct resource transfer information based on the target account, the preset account, and the number of resources transferred.

[0103] Furthermore, the device also includes: a resource deduction module, used to deduct resources from a preset account according to the resource transfer quantity upon receiving a second request message from the account management server, and obtain a deduction execution result, wherein the deduction execution result is used to indicate whether the resource deduction from the preset account was successful; a second construction module, used to construct a second response message when the deduction execution result indicates that the resource deduction from the preset account was successful; and a response sending module, used to send the second response message to the account management server, wherein the second response message is used to control the account management server to transfer resources from the target account according to the resource transfer quantity.

[0104] Embodiments of this application also provide an electronic device, including: a memory storing an executable program; and a processor for running the program, wherein the program executes the methods in various embodiments of this application when it runs.

[0105] Embodiments of this application also provide a computer-readable storage medium including a stored executable program, wherein, when the executable program is running, it controls the device where the computer-readable storage medium is located to perform the methods of various embodiments of this application.

[0106] Embodiments of this application also provide a computer program product, including a computer program that, when executed by a processor, implements the methods of various embodiments of this application.

[0107] Embodiments of this application also provide a computer program product, including a non-volatile computer-readable storage medium for storing a computer program that, when executed by a processor, implements the methods in various embodiments of this application.

[0108] Embodiments of this application also provide a computer program that, when executed by a processor, implements the methods described in the various embodiments of this application.

[0109] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0110] In the above embodiments of this application, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0111] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For instance, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0112] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0113] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0114] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0115] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A resource transfer method, characterized in that, Used in account management servers, including: Upon receiving a processing prompt message from the processing terminal, the target account corresponding to the processing prompt message and the first resource information corresponding to the target account are obtained, wherein the processing prompt message is used to indicate that the processing terminal has successfully processed the second resource information corresponding to the target account; Based on the target account and the first resource information, a first request message is constructed, wherein the first request message is used to determine with the resource transfer server whether to transfer resources to the target account; Send the first request message to the resource transfer server; If a first response message is received from the resource transfer server within a first preset time, the resource transfer is performed on the target account based on the first response message, wherein the first response message is sent by the resource transfer server when it determines that the resource transfer will be performed on the target account.

2. The resource transfer method according to claim 1, characterized in that, Based on the first response message, resource transfer is performed on the target account, including: The first response message is parsed to obtain resource transfer information, wherein the resource transfer information is used to characterize information on resource transfer to the target account; Based on the target account, the resource transfer information is verified to obtain an information verification result, wherein the information verification result is used to characterize whether the resource transfer information matches the target account; If the information verification result indicates that the resource transfer information matches the target account, then the resource transfer is performed on the target account based on the resource transfer information.

3. The resource transfer method according to claim 2, characterized in that, The resource transfer information includes: a resource receiving account and a resource sending account; based on the target account, the resource transfer information is verified to obtain an information verification result, including: Based on the target account, a preset account corresponding to the target account is determined using a first preset mapping relationship, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; If the target account is the same as the resource receiving account, and the preset account is the same as the resource sending account, then the information verification result indicates that the resource transfer information matches the target account.

4. The resource transfer method according to claim 2, characterized in that, The resource transfer information also includes: the quantity of resources transferred; based on the resource transfer information, resource transfer is performed on the target account, including: Based on the resource transfer quantity and the preset account corresponding to the target account, a second request message is constructed, wherein the second request message is used to deduct resources from the preset account according to the resource transfer quantity; Send the second request message to the resource transfer server; If a second response message is received from the resource transfer server within a second preset time period, resources are transferred to the target account according to the amount of resources to be transferred. The second response message is sent by the resource transfer server after successfully deducting resources from the preset account.

5. The resource transfer method according to claim 4, characterized in that, The method further includes: If the second response message is not received within the second preset time period, the second request message is repeatedly sent to the resource transfer server at preset time intervals, and the waiting time is recalculated until the second response message is received within the second preset time period, or the number of repetitions reaches a preset number, wherein the preset time interval is greater than the second preset time period.

6. A resource transfer method, characterized in that, Applications to resource transfer servers include: Upon receiving a first request message from the account management server, the first request message is parsed to obtain the target account and the first resource information of the target account. The first request message is sent by the account management server after receiving a processing prompt message from the processing terminal. Based on the first resource information, determine whether to transfer resources to the target account; If it is determined that resources will be transferred to the target account, the resource transfer information of the target account is determined; Based on the resource transfer information, a first response message is constructed and sent to the account management server, wherein the first response message is used to control the account management server to transfer resources to the target account.

7. The resource transfer method according to claim 6, characterized in that, Based on the first resource information, determining whether to transfer resources to the target account includes: Based on the target account, a resource transfer threshold is determined using a second preset mapping relationship, wherein the second preset mapping relationship is used to characterize the mapping relationship between the target account and the resource transfer threshold; If the first resource information is less than the resource transfer threshold, it is determined that the target account will be transferred.

8. The resource transfer method according to claim 6, characterized in that, Determining the resource transfer information of the target account includes: Determine the amount of resources to be transferred from the target account; Based on the target account, a preset account corresponding to the target account is determined using a first preset mapping relationship, wherein the first preset mapping relationship is used to characterize the mapping relationship between the target account and the preset account, and the preset account is used to transfer resources to the target account; The resource transfer information is constructed based on the target account, the preset account, and the number of resources transferred.

9. The resource transfer method according to claim 6, characterized in that, The method further includes: Upon receiving the second request message sent by the account management server, resources are deducted from the preset account according to the amount of resources transferred, and the deduction execution result is obtained. The deduction execution result is used to indicate whether the resources were successfully deducted from the preset account. If the deduction execution result indicates that the resources have been successfully deducted from the preset account, a second response message is constructed; Send the second response message to the account management server, wherein the second response message is used to control the account management server to transfer resources to the target account according to the amount of resources transferred.

10. A resource transfer device, characterized in that, Used in account management servers, including: The information acquisition module is used to acquire, upon receiving a processing prompt message sent by the processing terminal, the target account corresponding to the processing prompt message and the first resource information corresponding to the target account, wherein the processing prompt message is used to indicate that the processing terminal has successfully processed the second resource information corresponding to the target account; A request construction module is configured to construct a first request message based on the target account and the first resource information, wherein the first request message is used to determine with the resource transfer server whether to transfer resources to the target account; The request sending module is used to send the first request message to the resource transfer server; The resource transfer module is used to transfer resources to the target account based on the first response message returned by the resource transfer server when a first response message is received within a first preset time. The first response message is sent by the resource transfer server when it determines that resources will be transferred to the target account.

11. A resource transfer device, characterized in that, Applications to resource transfer servers include: The request parsing module is used to parse the first request message sent by the account management server to obtain the target account and the first resource information of the target account, wherein the first request message is sent by the account management server after receiving the processing prompt information sent by the processing terminal; The demand determination module is used to determine, based on the first resource information, whether to transfer resources to the target account; The information determination module is used to determine the resource transfer information of the target account when it is determined that a resource transfer will be carried out on the target account. The first construction module is used to construct a first response message based on the resource transfer information and send the first response message to the account management server, wherein the first response message is used to control the account management server to transfer resources to the target account.

12. An electronic device, characterized in that, include: Memory, which stores executable programs; A processor for running the program, wherein the program, when running, performs the method according to any one of claims 1 to 8.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored executable program, wherein, when the executable program is executed, it controls the device on which the storage medium is located to perform the method according to any one of claims 1 to 8.

14. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method according to any one of claims 1 to 8.

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