A resource transfer method, apparatus and device

Abstract

This specification discloses a resource transfer method, apparatus, and device. The method includes: receiving a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; responding to the resource order creation request, sending a points redemption request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the points; generating a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displaying the resource order to the target user; and responding to a transfer request initiated by the target user for the resource order, performing resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

Description

Technical Field

[0001] This document relates to the field of computer technology, and in particular to a method, apparatus and device for resource transfer. Background Technology

[0002] With the rapid development of the digital business ecosystem and the digitization of consumer behavior data, enterprises have proposed the concept of points to enhance user stickiness and build a long-term consumption loop. Through a points system, a single transaction can be converted into accumulative points. However, points usually have an expiration date, and most points are lost due to expiration, resulting in a significant waste of resources.

[0003] To alleviate this resource waste, companies have launched points redemption programs, allowing users to exchange points for gifts, cash rewards, and other items according to the company's rules. However, because the redeemed items don't always perfectly match everyone's needs, a significant amount of points are still wasted. Therefore, a technical solution is needed to effectively mitigate this point waste. Summary of the Invention

[0004] The purpose of the embodiments in this specification is to provide a technical solution that allows for the direct transfer of resources through the exchange of points.

[0005] To achieve the above technical solution, the embodiments in this specification are implemented as follows: This specification provides a resource transfer method, comprising: receiving a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; responding to the resource order creation request, sending a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the quantity of points; generating a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displaying the resource order to the target user; and responding to a transfer request initiated by the target user for the resource order, performing resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

[0006] This specification provides a resource transfer device, comprising: a pre-consultation module, which receives a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; in response to the resource order creation request, sending a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the quantity of points; a processing module, which generates a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displays the resource order to the target user; and a transfer module, which, in response to a transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

[0007] This specification provides an embodiment of a resource transfer device, comprising: a processor; and a memory configured to store computer-executable instructions, wherein, when executed, the executable instructions cause the processor to: receive a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; in response to the resource order creation request, send a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receive points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the quantity of points; generate a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and display the resource order to the target user; and in response to a transfer request initiated by the target user for the resource order, perform resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

[0008] This specification also provides a storage medium for storing computer-executable instructions. When executed by a processor, the executable instructions implement the following process: receiving a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; responding to the resource order creation request, sending a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the quantity of points; generating a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displaying the resource order to the target user; responding to a transfer request initiated by the target user for the resource order, performing resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

[0009] This specification also provides a computer program product, including a computer program that, when executed by a processor, implements the following process: receiving a resource order creation request initiated by a target user, the resource order creation request including a quantity of resources to be transferred; responding to the resource order creation request, sending a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, the points redemption information including a quantity of points and a first quantity of resources that can be redeemed with the quantity of points; generating a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displaying the resource order to the target user; responding to a transfer request initiated by the target user for the resource order, performing resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. Attached Figure Description

[0010] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort. Figure 1 A schematic diagram of the structure of an implementation environment for resource transfer provided in one embodiment of this specification; Figure 2 A schematic flowchart illustrating a resource transfer method provided in one embodiment of this specification; Figure 3 A flowchart illustrating the determination of a first resource quantity is provided for another embodiment of this specification; Figure 4 A schematic diagram of a resource transfer process provided in yet another embodiment of this specification; Figure 5 This is a schematic diagram illustrating a process for revoking a resource transfer, provided as another embodiment of this specification. Figure 6 A logical diagram illustrating another resource transfer method provided in yet another embodiment of this specification; Figure 7 A schematic diagram of a resource transfer device provided in another embodiment of this specification; Figure 8 This is a schematic diagram of a resource transfer device provided in yet another embodiment of this specification. Detailed Implementation

[0011] This specification provides a resource transfer method, apparatus, and device through its embodiments.

[0012] To enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this specification, and not all embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of this specification.

[0013] This specification provides an example of a points-based payment mechanism, particularly for points accumulated by various enterprises for their users. Enterprises cooperate with applications that provide payment services to convert points into discount amounts, thereby reducing the amount that users need to pay.

[0014] With the rapid development of the digital business ecosystem and the digitization of consumer behavior data, enterprises have proposed the concept of points to enhance user stickiness and build a long-term consumption loop. Through a points system, a single transaction can be converted into accumulative points. However, points usually have an expiration date, and most points are lost due to expiration, resulting in a significant waste of resources.

[0015] To alleviate this waste of resources, companies have launched points redemption programs, allowing users to redeem gifts, cash rewards, and other items using points according to the rules provided by the company. However, the redeemable items are usually uniformly designated by the company, failing to adequately meet individual needs and incentivize users to use their points, resulting in significant point waste.

[0016] To address this, the present invention proposes a resource transfer scheme. The scheme receives a resource order creation request initiated by a target user, the request including the quantity of resources to be transferred. In response to the request, a points redemption request corresponding to the resource order creation request is sent to a target resource transferor compatible with the request. The scheme also receives points redemption information returned by the target resource transferor, including the number of points and a first quantity of resources that can be redeemed using those points. A corresponding resource order is generated based on the quantity of resources to be transferred and the first quantity of resources, and displayed to the target user. In response to a transfer request initiated by the target user for the resource order, resource transfer processing is performed based on the quantity of resources to be transferred and the first quantity of resources. This approach, by determining the first quantity of resources that can be redeemed using points through pre-consultation, allows for the direct deduction of a portion of the resources to be transferred during resource transfer processing. This not only promotes the full utilization of points but also improves the real-time nature of resource transfer and enhances the user experience. Specific details can be found in the following embodiments.

[0017] The resource transfer method provided in one or more embodiments of this specification is applicable to the resource transfer implementation environment. (Refer to...) Figure 1 The implementation environment includes at least: Client 100 and server 200. Furthermore, server 200 may include pre-consultation algorithms, processing algorithms, transfer algorithms, etc., among which: Client 100 can run on terminal devices, which can be mobile phones, personal computers, tablets, e-book readers, wearable devices, devices that interact with information based on AR (Augmented Reality) and VR (Virtual Reality), and laptop computers, etc. Client 100 can be installed on terminal devices. Client 100 can be an application, a browser, or a subroutine embedded in an application, etc.

[0018] Server 200 can run on a server, which can be one or more servers, a server cluster consisting of several servers, or a cloud server of a cloud computing platform. Server 200 can be installed on the server. Server 200 can be an application or a subroutine embedded in an application. Pre-consultation algorithms, processing algorithms, transfer algorithms, etc., can be integrated into server 200. Alternatively, server 200 can call any one or more of the pre-consultation algorithms, processing algorithms, transfer algorithms, etc., to perform corresponding operations.

[0019] In addition, it may include a database 300, which may be set in the server on which the server 200 runs, or outside the server on which the server 200 runs. The database 300 may store information such as points redemption information.

[0020] In this implementation environment, server 200 can receive a resource order creation request initiated by the target user through client 100. In response to the resource order creation request, server 200 sends a points redemption request corresponding to the resource order creation request to the target resource transferor that is compatible with the resource order creation request. Server 200 receives the points redemption information returned by the target resource transferor and stores it in database 300. The points redemption information includes the number of points and the number of first resources that can be redeemed with the points. Server 200 generates a corresponding resource order based on the number of resources to be transferred and the number of first resources and displays the resource order to the target user. In response to the transfer request initiated by the target user for the resource order, server 200 performs resource transfer processing for the resource order based on the number of resources to be transferred and the number of first resources.

[0021] like Figure 2As shown in the embodiments of this specification, a resource transfer method is provided. The execution subject of this method can be a terminal device or a server, etc. The terminal device can be a mobile terminal device such as a mobile phone or tablet computer, a computer device such as a laptop or desktop computer, or an IoT device (specifically, a smartwatch, in-vehicle device, etc.). The server can be a single server or a server cluster composed of multiple servers. The server can be a backend server for financial or online shopping services, or a backend server for an application. This embodiment uses a server as the execution subject for detailed explanation. For the case where the execution subject is a terminal device, please refer to the following server-side processing, which will not be repeated here. The method may specifically include the following steps: In step S202, a resource order creation request initiated by the target user is received. The resource order creation request includes the number of resources to be transferred.

[0022] In this context, resources can be understood as a quantifiable, exchangeable, and configurable medium. Resources include not only tangible goods (such as mobile phones and clothing) but also intangible rights (such as services, currency, and credit limits). A resource order creation request refers to the request used to trigger the resource transfer process. The quantity of resources to be transferred refers to the total amount of resources required to be transferred in the resource transfer process corresponding to the resource order creation request. For example, when the resource is currency, the resource order creation request can be an order creation request, and the quantity of resources to be transferred can be the amount to be paid.

[0023] In implementation, the target user can determine the quantity of resources to be transferred based on the resource transfer needs, and initiate a resource order creation request containing the quantity of resources to be transferred. This allows the server to receive the resource order creation request initiated by the target user and parse out the quantity of resources to be transferred. In one example, when the target user clicks the "Buy" button on the product interface displayed on the client, the client can respond to the user's click operation by automatically generating a resource order creation request carrying the product amount and sending the resource order creation request to the server.

[0024] In step S204, in response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points.

[0025] The target resource transferor refers to the institution or enterprise that uses points to redeem resources during the response to the resource order creation request. For example, the target resource transferor could be a bank, a retail outlet, or an internet finance institution. The points provided by the target resource transferor can be membership points, bank card points, etc. The points redemption request is used to initiate a points redemption request to the target resource transferor and request a query about the target user's available points during this resource transfer process. The points redemption request can be sent directly to the target resource transferor or indirectly through relay devices such as UnionPay. The points redemption information includes the number of points allowed to be redeemed during this resource transfer process, and the first resource quantity is the amount of resources the target resource transferor can redeem using the points.

[0026] In implementation, a points redemption request corresponding to the resource order creation request can be sent to the target resource transferor based on the resource transfer link. This points redemption request may include the quantity of resources to be transferred. The resource transfer link refers to the transmission path used for information transmission with the target resource transferor. This transmission path can transmit resource transfer-related information, which may include, but is not limited to, points redemption requests and points redemption information. Upon receiving the points redemption request, the target resource transferor can query the target user's remaining points; obtain preset points redemption rules, which may include applicable user types, points redemption ratios, redemption scenarios, and redemption frequencies; based on the quantity of resources to be transferred carried in the points redemption request and the preset points redemption rules, determine the quantity of remaining points that can be used for resource redemption during this resource transfer process, and based on the preset points redemption rules, determine the quantity of the first resource that can be redeemed using these points; add the points quantity and the first resource quantity to the points redemption information, and return the points redemption information.

[0027] In step S206, a corresponding resource list is generated based on the number of resources to be transferred and the first resource quantity, and the resource list is displayed to the target user.

[0028] The quantity of resources to be transferred can be understood as the total number of resources required to be transferred in this resource order creation request. The first resource quantity refers to the number of resources that the target resource transferor can redeem using points. The resource order includes the execution entry point for resource transfer, resource destination, quantity of resources to be transferred, first resource quantity, resource transfer time, etc. The target user can initiate a transfer request for this resource order through the execution entry point on the resource order.

[0029] In implementation, a corresponding resource list can be generated based on the quantity of resources to be transferred and the initial quantity of resources. The resource list includes the quantity of resources to be transferred, the initial quantity of resources, and the remaining quantity of resources obtained by subtracting the initial quantity from the quantity of resources to be transferred. This remaining quantity of resources represents the amount that the target user needs to bear independently. The resource list is used to display the resource transfer details to the target user, facilitating the user's initiation of a transfer request if they agree to the resource transfer plan. For example, when the resource transfer process is a payment process, the resource list can be a pending payment page displayed to the target user, which may include the total amount, the user's payment amount, and the amount deducted by points.

[0030] In step S208, in response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

[0031] In this context, a transfer request can be understood as the request that triggers the "execution" phase of the resource transfer process, as mentioned earlier. For example, when the resource is currency, the transfer request could be a payment request. The resource list contains the resource destination, and executing the resource transfer process refers to transferring the resources provided by the target user and the target resource transferor to the resource destination.

[0032] In implementation, upon receiving a transfer request from a target user regarding a resource list, the quantity of resources to be transferred and the initial quantity of resources can be parsed from the resource list. Furthermore, the resource list also contains the remaining quantity of resources obtained by subtracting the initial quantity of resources from the quantity to be transferred. The remaining quantity of resources represents the amount transferred by the target user, while the initial quantity of resources represents the amount transferred by the target resource transferor. Therefore, in response to a transfer request initiated against a resource list, the remaining quantity of resources can be transferred from the target user, and the initial quantity of resources can be transferred from the target resource transferor.

[0033] It should be noted that the target user can choose the method for transferring the remaining resources. For example, if the target user has pre-stored a portion of the resources on the target resource transferor, and the value of this portion is higher than the value of the remaining resources, the target user can choose to have the target resource transferor handle the transfer of the remaining resources. Furthermore, the first resource quantity can be zero. When the first resource quantity is zero, in response to a transfer request initiated for a single resource, the resources to be transferred are transferred from the target user; that is, the target user alone undertakes the transfer of the resources to be transferred.

[0034] This specification provides a resource transfer method. It receives a resource order creation request initiated by a target user, the request including the quantity of resources to be transferred. In response to the request, it sends a points redemption request corresponding to the resource order creation request to a target resource transferor compatible with the request, and receives points redemption information returned by the target resource transferor, including the number of points and a first quantity of resources that can be redeemed with those points. Based on the quantity of resources to be transferred and the first quantity of resources, it generates a corresponding resource order and displays it to the target user. In response to a transfer request initiated by the target user for the resource order, it performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. This method, through pre-consultation, determines the first quantity of resources that can be redeemed with points before initiating the transfer request. This allows the first quantity of resources to be used to offset part of the quantity of resources to be transferred during resource transfer processing, promoting the full utilization of points, improving the real-time nature of resource transfer, and enhancing the user experience.

[0035] In the above or following embodiments, in step S204, in response to the resource order creation request, a points redemption request is sent to the target resource transferor that is compatible with the resource order creation request, and points redemption information is received from the target resource transferor. There are multiple ways to find the first number of resources that support points redemption from the points redemption information. This embodiment provides an optional implementation method, which may specifically include the following steps: Step S2042: In response to the resource order creation request, send a points redemption request to at least one candidate resource transferor associated with the target user, and receive points redemption information returned by at least one candidate resource transferor. The points redemption information includes the number of points provided by the candidate resource transferor and the number of resources that support points redemption.

[0036] Among them, the resource transferor refers to the institution or enterprise that supports the use of points to redeem resources during the resource transfer process, the candidate resource transferor refers to the resource transferor that supports the provision of points redemption services to the target user, and the target resource transferor refers to the candidate resource transferor that uses points to redeem resources during the response process of the resource order creation request.

[0037] In practical applications, target users can sign contracts with resource transferors, enabling these transferors to provide points redemption services. In other words, resource transferors that have signed contracts with target users are identified as candidate resource transferors associated with them. Target users can sign contracts with one or more resource transferors, so the number of candidate resource transferors can be one or more.

[0038] In implementation, upon receiving a resource order creation request, the system can respond to the request by determining, based on the contract status between the resource transferor and the target user (which can be either signed or unsigned), at least one candidate resource transferor associated with the target user. Then, a points redemption request can be sent to at least one candidate resource transferor to request them to determine the number of points they can provide to the target user in response to the resource order creation request, as well as the number of resources that can be redeemed with those points. Afterwards, the system can receive points redemption information returned by at least one candidate resource transferor. This information may include the number of points and resources determined by the candidate resource transferor. The number of points can be understood as the number of usable points applicable to this resource transfer from the target user's total points, based on the number of resources to be transferred. The number of points and resources determined by different candidate resource transferors may not be entirely the same.

[0039] It should be noted that target users can pre-sign contracts with resource transfer providers. A contract signing portal can be provided to target users, displayed as a button, service card, etc. Target users can access the contract signing interface through this portal and follow the on-screen instructions to complete the contract with the resource transfer provider. Once the contract is signed, the resource transfer provider's contract status automatically changes to "signed," and target users can immediately enjoy the points redemption services offered by the candidate resource transfer provider without waiting, greatly improving convenience. Multiple contract signing portals can be set up, such as on the resource transfer completion interface, the points redemption promotional interface, or the enterprise service interface. By setting up multiple signing portals, the probability of users signing contracts and the number of candidate resource transfer providers can be increased, thereby increasing the likelihood of points being utilized and avoiding resource waste.

[0040] Step S2044: Based on the points redemption information returned by at least one candidate resource transferor, select the target resource transferor that matches the resource order creation request from at least one candidate resource transferor, and determine the number of resources contained in the points redemption information returned by the target resource transferor as the first resource quantity.

[0041] The number of target resource transferors can be one or more. The selection of target resource transferors can be done manually by the target user based on the points redemption information, or it can be triggered automatically based on the content contained in the points redemption information.

[0042] During implementation, users can decide whether to use one or multiple target resource transfer providers.

[0043] When there is only one target resource transferor, the user can be shown at least one candidate resource transferor's points redemption information. The target user can then select the target resource transferor from the at least one transferor based on the points and resource quantity contained in the points redemption information. In other words, in response to a selection operation initiated by the target user for at least one candidate resource transferor, the candidate resource transferor associated with that selection operation is determined as the target resource transferor that matches the resource order creation request, and the resource quantity contained in the points redemption information corresponding to the target resource transferor is determined as the first resource quantity.

[0044] It should be noted that when the target user performs the selection operation, they can choose the candidate resource transferor with the largest number of resources or the candidate resource transferor with the smallest number of points, etc. The selection criteria for the candidate resource transferor can be flexibly adjusted by the target user, and this embodiment does not limit this.

[0045] When there are multiple target resource transferors, there are various ways to select the target resource transferor that matches the resource order creation request from at least one candidate resource transferor, and determine the resource quantity contained in the points redemption information returned by the target resource transferor as the first resource quantity. This embodiment provides an optional implementation method, such as... Figure 3 As shown, this optional implementation may specifically include the following steps S302 to S306.

[0046] In step S302, based on the points redemption information corresponding to multiple candidate resource transferors, at least one points redemption combination is constructed. The points redemption information corresponding to the candidate resource transferors also includes the number of points for the combination provided by the candidate resource transferor and the number of combined resources that can be redeemed with the number of points for the combination.

[0047] As mentioned earlier, the points redemption information returned by the candidate resource transferor includes the number of points and the number of resources that can be redeemed with that number of points. The number of points mentioned here refers to the number of available points that the candidate resource transferor can provide to the target user in response to the resource creation request. Based on this, the points redemption information returned by the candidate resource transferor may also include the combined number of points and the number of combined resources that can be redeemed with the combined number of points. The combined number of points refers to the number of points that the candidate resource transferor allows to be redeemed jointly with other candidate resource transferors. The combined number of points provided by different candidate resource transferors can be used simultaneously. The combined number of points provided by a candidate resource transferor is usually less than the number of points that it allows to be redeemed in this resource transfer process.

[0048] In implementation, when there are multiple target resource transferors, there are also multiple candidate resource transferors for selecting the target resource transferors. Based on the points redemption information corresponding to multiple candidate resource transferors, these candidate resource transferors can be randomly combined to obtain at least one points redemption combination. The obtained points redemption combinations can cover all combination methods among candidate resource transferors, and each points redemption combination can include multiple candidate resource transferors.

[0049] In step S304, based on the number of combined resources contained in the points redemption information, the number of combined resources corresponding to each points redemption combination is calculated.

[0050] In implementation, the quantity of combined resources contained in the points redemption information corresponding to each candidate resource transferor can be determined as the quantity of combined resources corresponding to that candidate resource transferor. For each points redemption combination, multiple candidate resource transferors included in that combination can be identified, and the quantities of combined resources corresponding to these candidate resource transferors can be added together. The sum of these quantities is then determined as the quantity of combined resources corresponding to that points redemption combination.

[0051] In step S306, the number of joint resources corresponding to at least one points exchange combination is sorted, the largest number of joint resources less than the number of resources to be transferred is determined, and the candidate resource transferors included in the points exchange combination corresponding to the largest number of joint resources are determined as the target resource transferors, and the largest number of joint resources is determined as the first resource quantity.

[0052] In implementation, the number of joint resources corresponding to at least one points exchange combination can be sorted in descending order. Based on the sorting result, each number of joint resources is compared with the number of resources to be transferred. From the number of joint resources less than the number of resources to be transferred, the number of joint resources with the largest value is selected as the maximum number of joint resources. Then, the points exchange combination corresponding to the maximum number of joint resources can be determined as the target points exchange combination, the candidate resource transferors contained in the target points exchange combination can be determined as the target resource transferors, and the maximum number of joint resources corresponding to the target exchange combination can be determined as the first resource quantity.

[0053] It should be noted that the above method only demonstrates one implementation of automatically selecting the target resource transferor and determining the first resource quantity. In practical applications, the combined resource quantity corresponding to at least one points redemption combination and the candidate resource transferors included in that combination can also be displayed to the target user. This allows the target user to clearly and intuitively understand the specific resource transfer scheme under each points redemption combination, enabling them to perform a selection operation based on the understood scheme. In response to the target user's selection operation based on at least one points redemption combination, the candidate resource transferors included in the points redemption combination associated with the selection operation are determined as the target resource transferor, and the combined resource quantity corresponding to the points redemption combination associated with the selection operation is determined as the first resource quantity. The selection operation performed by the target user includes, but is not limited to, mouse clicks, touchscreen actions, and checkbox selections.

[0054] In practical applications, in response to a resource creation request, a points redemption request corresponding to the resource creation request is sent to the target resource transferor that is compatible with the resource creation request. However, it is not certain that the points redemption information returned by the target resource transferor will be received. The following embodiments of this specification describe the handling method in the case where the points redemption request times out and does not respond. The handling method may include the following steps.

[0055] Step A2: If the points redemption information is not received within the first response time threshold, generate the corresponding resource order based on the number of resources to be transferred, and resend the points redemption request corresponding to the resource order creation request to the target resource transferor. Step A4: If no points redemption information is received within the second response time threshold, then display a resource list generated based on the number of resources to be transferred to the target user. Step A6: If points redemption information is received within the second response time threshold, a new resource list is generated based on the number of resources to be transferred and the first resource quantity, and the newly generated resource list is displayed to the target user.

[0056] The purpose of sending a points redemption request to the target resource provider is to determine the quantity of the first resource. The response time refers to the time from initiating the points redemption request to receiving the points redemption information. The first response time threshold and the second response time threshold can be the same or different. The first response time threshold and the second response time threshold can be flexibly set according to the actual situation.

[0057] In implementation, if no points redemption information is received within the preset first response time threshold, it indicates that the points redemption request has timed out and has not received a response. At this point, the subsequent resource order generation process can continue. A resource order is generated based on the quantity of resources to be transferred. Simultaneously with triggering resource order generation, a new points redemption request corresponding to the resource order creation request is sent to the target resource transferor, thus executing resource order generation and the determination of the first resource quantity in parallel. After generating the corresponding resource order based on the quantity of resources to be transferred, the resource order is not directly displayed to the target user. Instead, it waits for the response result of the points redemption request sent when resource order generation was triggered, and the resource order is displayed based on the response result.

[0058] Based on the resent points redemption request, it checks whether points redemption information has been received within a preset second response time threshold. This second response time threshold is related to the time required to generate a resource list based on the quantity of resources to be transferred, and it is longer than the time required to generate such a list. If points redemption information is received within the second response time threshold, a new resource list is generated based on the quantity of resources to be transferred and the first resource quantity, and the regenerated list is displayed to the target user. If points redemption information is not received within the second response time threshold, points redemption is abandoned during this resource transfer process, and the resource list generated based on the quantity of resources to be transferred is directly displayed to the target user.

[0059] In the above or following embodiments, the implementation of the resource transfer processing for the resource order in step S208 in response to the transfer request initiated by the target user for the resource order, based on the number of resources to be transferred and the first number of resources, can be implemented in various ways. This embodiment provides an optional implementation method, which may specifically include the following steps: Step S2102: In response to the transfer request initiated by the target user for the resource list, query the points redemption status in the resource list; Step S2104: When the points redemption status is selected, perform resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources.

[0060] The points redemption status includes selected and unselected. When the points redemption status is selected, it means that the target user agrees to use points to redeem a portion of the resources during this resource transfer process. When the points redemption status is unselected, it means that the target user does not agree to use points to redeem a portion of the resources during this resource transfer process.

[0061] In implementation, in response to a transfer request initiated by a target user for a resource order, the points redemption status in the resource order can be queried, and the quantity of resources to be transferred, the initial quantity of resources, and the remaining quantity of resources obtained by subtracting the initial quantity from the quantity of resources to be transferred can be parsed from the resource order. If the points redemption status is selected, the remaining quantity of resources is transferred from the target user, and the initial quantity of resources is transferred from the target resource transferor. In other words, the target user and the target resource transferor jointly bear all the resources required for this resource transfer. If the points redemption status is not selected, the quantity of resources to be transferred is transferred from the target user. In other words, the target user alone bears all the resources required for this resource transfer.

[0062] It should be noted that the points redemption status can be manually modified by the target user before initiating a transfer request. When points can be used to redeem resources, the points redemption status is selected by default. However, if the target user is not satisfied with the amount of resources that can be redeemed with the current points, or does not wish to use points to redeem resources, they can choose to manually adjust the points redemption status to unselected. The points redemption status can be flexibly set by the target user, and this embodiment does not impose any limitations on this.

[0063] In this way, by using external resources provided by the target resource transferor to offset part of the internal resources, the amount of resources that the target user needs to provide is reduced. By combining external and internal resources to achieve resource transfer, not only is the utilization rate of points improved, but the resource burden on the target user is also reduced, thereby improving the user experience.

[0064] Based on this, there are multiple ways to implement the resource transfer processing for the resource unit based on the number of resources to be transferred and the first resource quantity in step S2104 above. This specification provides one optional implementation method, such as... Figure 4 As shown, this implementation method may specifically include the following steps S402 to S406.

[0065] In step S402, the internal resource exchange rules adapted to the resource order creation request are obtained.

[0066] Internal resources refer to resources that can be obtained without interaction with third parties, such as vouchers and red envelopes. The internal resource redemption rules are negotiated in advance with the target resource transferor, and these rules describe the redemption procedures for converting points provided by the target resource transferor into internal resources.

[0067] In implementation, internal resource exchange rules can be pre-stored in the database. In response to a transfer request initiated by a target user for a resource order, internal resource exchange rules that are compatible with the resource order creation request can be extracted from the database.

[0068] In step S404, the number of points contained in the points redemption information is converted into internal resources used to represent the number of the first resource, according to the internal resource conversion rules.

[0069] The points redemption rules can include various types of internal resources, as well as the corresponding exchange ratio for each type of internal resource. Internal resource types include vouchers, red envelopes, and credit coupons.

[0070] In implementation, based on the quantity of resources to be transferred, a target resource type can be selected from various internal resource types included in the internal resource exchange rules. The target resource type must match the resource type corresponding to the quantity of resources to be transferred. According to the internal resource exchange ratio included in the internal resource exchange rules, the points redemption information can be exchanged for internal resources. These internal resources can be used to represent the quantity of the first resource and can be used to provide the first resource quantity for resource transfer processing. For example, when the first resource quantity is a payment amount of 5 yuan, the points can be converted into a payment voucher of 5 yuan. This 5 yuan payment voucher is the internal resource that can be used to represent the quantity of the first resource.

[0071] In step S406, resource transfer processing for the resource list is performed based on the number of resources to be transferred and the internal resources.

[0072] In implementation, the remaining resource quantity can be obtained by subtracting the initial resource quantity represented by internal resources from the total quantity of resources to be transferred. The remaining resource quantity is the quantity of resources the target user needs to transfer, while the initial resource quantity is the quantity of resources that can be offset using internal resources during the resource transfer process. Internal resources are obtained by requesting points from the target resource transferor. Therefore, in response to a transfer request initiated for a resource order, the initial resource quantity can be offset using internal resources during the resource transfer process, and the target user only needs to bear the transfer of the remaining resource quantity.

[0073] Figure 5 This is a schematic diagram illustrating a process for revoking a resource transfer, as provided in another embodiment of this specification. Figure 4 On the basis of, such as Figure 5 As shown, the process of canceling a resource transfer may specifically include the following steps, S502 to S506.

[0074] In step S502, in response to the target user's request to cancel the transfer for the resource order, the historical resource transfer processing record corresponding to the resource order is obtained.

[0075] A request to cancel a transfer refers to a request to withdraw the previous resource transfer processing result. For example, when the resource transfer process is a payment process, a request to cancel a transfer could be a refund request. The quantity of resources used during the execution of the resource transfer process can be extracted from the historical resource transfer processing records corresponding to the resource order.

[0076] In step S504, the remaining resource quantity is retrieved from the historical resource transfer processing record and returned to the target user. The remaining resource quantity is the difference between the number of resources to be transferred and the first resource quantity.

[0077] As mentioned above, the remaining resource quantity is the amount of resources that the target user is responsible for transferring, the first resource quantity is the amount of resources that the target resource transferor is responsible for transferring, and the resource quantity to be transferred is the total amount of resources required to be transferred in the resource transfer process corresponding to the resource creation request. In other words, the sum of the remaining resource quantity and the first resource quantity is the resource quantity to be transferred.

[0078] In implementation, the remaining resource quantity and its corresponding resource provider can be found in historical resource transfer records. The resource provider is the resource transferor selected by the target user when performing the resource transfer. The resource provider selected by the target user for the remaining resource quantity can be the target user's resource balance or the target resource transferor, etc. The remaining resource quantity can be returned to the resource provider corresponding to the resource quantity, thus returning the remaining resource quantity to the target user.

[0079] In step S506, internal resources are searched from the historical resource transfer processing records, and the internal resources are converted into points based on the internal resource conversion rules. The points are then returned to the target resource transferor.

[0080] The internal resource transfer rules are pre-negotiated with the target resource transferor, while the internal resource exchange rules can be pre-stored in the database of the party initiating the cancellation request. The points converted from the internal resources are returned to the target resource transferor, enabling them to re-associate these points with the target user, thus canceling the points exchange.

[0081] In practice, in response to a request to revoke a transfer, internal resources can be retrieved from historical resource transfer processing records, and internal resource exchange rules can be obtained from the database. Based on the obtained internal resource transfer rules, the internal resources retrieved from historical resource transfer processing records are converted into points. Afterward, the converted points can be returned to the target resource transferor to revoke the resource transfer.

[0082] Additionally, this embodiment can also generate transaction records between the service provider offering the points redemption service and the target resource transferor. An exemplary generation process may involve: identifying the service provider offering the points redemption service, obtaining the number of points offered by the target resource transferor in response to the transfer request, and generating transaction records between the service provider and the target resource transferor based on the number of points offered by the target resource transferor. The transaction records may include the names of both parties, the transfer time, the time of cancellation of the transfer, the purpose of the file, and the storage path. The transaction records can be used to assist the service provider or the target resource transferor in verifying transaction information; for example, they can be used to reconcile accounts, confirm the accuracy of transactions, manage cash flow, and provide evidence for financial decisions or legal dispute resolution.

[0083] Figure 6 This is a schematic diagram illustrating another scenario of a resource transfer method provided in a different embodiment of this specification. The resource transfer method provided in the embodiments of this specification will be described in detail below with reference to specific application scenarios, such as... Figure 6 As shown, in this application scenario, the execution entity of this method is the server, which may include a pre-consultation system, a processing system, and a payment system. A resource order refers to an order, the target resource transferor is the bank, the quantity of resources to be transferred is the total payment amount, and the first resource quantity refers to the deduction amount that the bank can use to offset payments through points redemption. In this application scenario, the resource transfer process includes the following steps: Step B02: The pre-consultation system on the server receives an order creation request initiated by the target user. The order creation request includes the total payment amount to be paid. Step B04: In response to the order creation request, the pre-consultation system sends a points redemption request corresponding to the order creation request to at least one candidate bank associated with the target user. Step B06: If the pre-consultation system receives points redemption information from at least one candidate bank, it can determine the target bank that matches the order creation request from the at least one candidate bank, and find the deduction amount that the target bank supports redeeming using the number of points from the points redemption information returned by the target bank. The number of target banks can be one or more. The determination of target banks can be actively selected by the target user or automatically determined by the pre-consultation system. For example, the pre-consultation system can display the points redemption information corresponding to at least one candidate bank to the target user, and in response to the selection operation performed by the target user, determine the candidate bank associated with the selection operation as the bank; as another example, the pre-consultation system can construct at least one points redemption combination based on the points redemption information corresponding to multiple candidate banks, calculate the joint deduction amount corresponding to each points redemption combination, sort the joint deduction amounts corresponding to at least one points redemption combination, determine the maximum joint deduction amount less than the total payment amount, and determine the candidate bank included in the points redemption combination corresponding to the maximum joint deduction amount as the target bank; Step B08: If the pre-consultation system does not receive the points redemption information within the preset first response time threshold, the processing system can be triggered to generate the corresponding order based on the total payment amount and resend the points redemption request corresponding to the order creation request to the target bank. Step B10: If the processing system does not receive the points redemption information within the second response time threshold, it displays the order generated based on the total payment amount to the target user. If the points redemption information is received within the second response time threshold, it regenerates the order based on the total payment amount and the deduction amount included in the points redemption information, and displays the regenerated order to the target user. In step B12, the payment system responds to the payment request initiated by the target user for the order by querying the points redemption status of the order. When the points redemption status is selected, it obtains the payment voucher redemption rules that are compatible with the order creation request. According to the payment voucher conversion rules, it converts the number of points contained in the points redemption information into payment vouchers used to represent the deduction amount. Based on the total payment amount and the payment vouchers used to represent the deduction amount, it executes the payment processing for the order to complete the payment of the order.

[0084] In addition, in this application scenario, the request to cancel the transfer can be a refund request. The refund process can be as follows: in response to the refund request initiated by the target user for the order, obtain the historical payment record of the order, extract the user's payment amount and payment voucher from the historical record, and return the user's payment amount to the target user; convert the payment voucher into points according to the payment voucher conversion rules, and return the points to the target bank.

[0085] Furthermore, in this application scenario, transaction records can also be generated. After each payment or refund is completed, the service provider that provides points redemption services to the target user can be identified, and the points payment amount provided by the target bank for the payment request can be obtained. Based on the points payment amount, a transaction record between the service provider and the target bank can be generated. The transaction record can be used to assist the service provider or the target bank in verifying transaction information.

[0086] This specification provides a resource transfer method that pre-queries the bank's available points before initiating a payment request and determines the amount of points that can be redeemed for payment. In this way, after initiating a payment request, a combined payment plan can be generated immediately, and timely payment can be completed according to the generated payment plan. Through pre-consultation and real-time interaction with the bank, the user's payment waiting time is shortened, thereby improving the user's payment experience.

[0087] The above describes the resource transfer method provided in the embodiments of this specification. Based on the same idea, the embodiments of this specification also provide a resource transfer device, such as... Figure 7 As shown.

[0088] The resource transfer device includes: a pre-consultation module 701, a processing module 702, and a transfer module 703, wherein: The pre-consultation module 701 receives a resource order creation request initiated by a target user, the resource order creation request including the number of resources to be transferred; in response to the resource order creation request, it sends a points redemption request corresponding to the resource order creation request to a target resource transferor that is compatible with the resource order creation request, and receives points redemption information returned by the target resource transferor, the points redemption information including the number of points and the number of first resources that can be redeemed with the number of points. The processing module 702 generates a corresponding resource list based on the number of resources to be transferred and the first resource quantity, and displays the resource list to the target user. The transfer module 703, in response to the transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the number of resources to be transferred and the first number of resources.

[0089] In this embodiment of the specification, the pre-consultation module 701 includes: In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to at least one candidate resource transferor associated with the target user, and points redemption information returned by the at least one candidate resource transferor is received, wherein the points redemption information includes the number of points provided by the candidate resource transferor and the number of resources that support the points redemption. Based on the points redemption information returned by the at least one candidate resource transferor, a target resource transferor that matches the resource order creation request is selected from the at least one candidate resource transferor, and the number of resources contained in the points redemption information returned by the target resource transferor is determined as the first resource quantity.

[0090] In this embodiment of the specification, the number of target resource transferors is multiple, and the pre-consultation module 701 includes: Based on the points redemption information corresponding to multiple candidate resource transferors, at least one points redemption combination is constructed. The points redemption information corresponding to the candidate resource transferors also includes the number of combined points provided by the candidate resource transferors and the number of combined resources that can be redeemed with the number of combined points. The number of combined points is used to characterize the number of points that the candidate resource transferor allows to conduct joint points redemption with other candidate resource transferors. Based on the number of combined resources contained in the points redemption information, calculate the number of joint resources corresponding to each points redemption combination. The number of joint resources corresponding to the at least one points redemption combination is sorted, the maximum number of joint resources less than the number of resources to be transferred is determined, and the candidate resource transferors included in the points redemption combination corresponding to the maximum number of joint resources are determined as the target resource transferors. The maximum number of joint resources is determined as the first resource quantity.

[0091] In this embodiment of the specification, when the pre-consultation module 701 does not receive points redemption information within a preset first response duration threshold, the processing module 702 includes: Based on the quantity of resources to be transferred, a corresponding resource list is generated, and the points redemption request corresponding to the resource list creation request is resent to the target resource transferor. If no points redemption information is received within the second response time threshold, a resource list generated based on the number of resources to be transferred is displayed to the target user. If points redemption information is received within the second response time threshold, a new resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the newly generated resource list is displayed to the target user.

[0092] In the embodiments of this specification, the transfer module 703 includes: In response to the transfer request initiated by the target user for the resource list, query the points redemption status in the resource list; When the points redemption status is selected, resource transfer processing is performed on the resource list based on the number of resources to be transferred and the first resource quantity.

[0093] In the embodiments of this specification, the transfer module 703 includes: Obtain the internal resource exchange rules that are compatible with the resource order creation request; According to the internal resource conversion rules, the number of points contained in the points redemption information is converted into internal resources used to represent the number of the first resource. Based on the quantity of resources to be transferred and the internal resources, perform resource transfer processing for the resource list.

[0094] In the embodiments of this specification, the transfer module 703 includes: In response to the target user's request to cancel the transfer for the resource order, obtain the historical resource transfer processing records corresponding to the resource order; The remaining resource quantity is retrieved from the historical resource transfer processing record and returned to the target user. The remaining resource quantity is the difference between the number of resources to be transferred and the first resource quantity. The internal resources are retrieved from the historical resource transfer processing records, converted into points based on the internal resource conversion rules, and the points are returned to the target resource transferor.

[0095] In the embodiments of this specification, the resource transfer device further includes a recording module, which includes: Identify the service provider that offers the points redemption service; Obtain the number of points provided by the target resource transferor in response to the transfer request; Based on the number of points provided by the target resource transferor, a transaction record is generated between the service provider and the target resource transferor. The transaction record is used to assist the service provider or the target resource transferor in verifying the transaction information.

[0096] For ease of description, the above devices are described by dividing them into various modules or units based on their functions. Of course, when implementing one or more embodiments of this specification, the functions of each module or unit can be implemented in one or more software and / or hardware components, or a module that performs the same function can be implemented by a combination of multiple sub-modules or sub-units, etc. The device embodiments described above are merely illustrative; the division of each module and unit is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or modules can be combined or integrated into another system, or some features can be ignored or not executed, etc.

[0097] This specification provides a resource transfer device that receives a resource order creation request initiated by a target user, the resource order creation request including the quantity of resources to be transferred; in response to the resource order creation request, sends a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receives points redemption information returned by the target resource transferor, the points redemption information including the number of points and a first quantity of resources that can be redeemed with the number of points; generates a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, displays the resource order to the target user, and in response to a transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. In this way, by pre-consulting, the first quantity of resources that can be redeemed with points is determined before the transfer request is initiated, so that during the execution of resource transfer processing, the first quantity of resources can be directly used to offset part of the quantity of resources to be transferred, which not only promotes the full utilization of points, but also improves the real-time performance of resource transfer and enhances the user experience.

[0098] The above are resource transfer devices provided in the embodiments of this specification. Based on the same idea, the embodiments of this specification also provide a resource transfer device, such as... Figure 8 As shown.

[0099] The resource transfer device can provide terminal equipment or servers, etc., for the above embodiments.

[0100] Resource transfer devices can vary significantly in configuration and performance, and may include a communication interface 802, a user interface 804, a processor 806, and a data storage 808. These components are interconnected and communicate with each other via a system bus, network, or other connection mechanism 810. The communication interface 802 enables the resource transfer device 800 to communicate with other devices, access networks, and transmission networks via analog or digital modulation. For example, the communication interface 802 may include a chipset and antenna for wireless communication with a radio access network or access point. Furthermore, the communication interface 802 can be a wired interface such as Ethernet, Token Ring, or a USB port, or a wireless interface such as Wi-Fi, Bluetooth, Global Positioning System (GPS), or a wide-area wireless interface (e.g., WiMAX or LTE). Of course, the communication interface 802 may also support other forms of physical layer interfaces and standard or proprietary communication protocols. The communication interface 802 may also include multiple physical communication interfaces, such as Wi-Fi, Bluetooth, and wide-area wireless interfaces.

[0101] User interface 804 includes receiving user input and providing output to the user. Therefore, user interface 804 may include input components such as a keypad, keyboard, touch-sensitive or presence-sensitive panel, computer mouse, trackball, joystick, microphone, still camera, and video camera, and output components such as a display screen (which may be combined with a touch-sensitive panel), CRT, LCD, LED, display using DLP technology, printer, and other similar devices known or developed in the future. User interface 804 may also generate auditory output via speakers, speaker jacks, audio output ports, audio output devices, headphones, and other similar devices known or developed in the future. In some embodiments, user interface 804 may include software, circuitry, or other forms of logic capable of transmitting and receiving data from external user input / output devices. Additionally or alternatively, resource transfer device 800 may support remote access from other devices via communication interface 802 or another physical interface (not shown). User interface 804 may be configured to receive user input, the position and movement of which may be indicated by an indicator or cursor described herein. User interface 804 may also be configured as a display device for rendering or displaying text fragments.

[0102] The processor 806 may contain one or more general-purpose processors and / or special-purpose processors.

[0103] Data storage 808 may include one or more volatile and / or non-volatile storage components and may be integrated wholly or partially with processor 806. Data storage 808 may include removable and non-removable components.

[0104] Processor 806 is capable of executing program instructions 818 (e.g., compiled or uncompiled program logic and / or machine code) stored in data storage 808 to perform the various functions described herein. Data storage 808 may contain a non-transitory computer-readable medium on which program instructions are stored, which, when executed by resource transfer device 800, enable resource transfer device 800 to perform any methods, processes, or functions disclosed in this specification and / or the accompanying drawings. Execution of program instructions 818 by processor 806 may result in processor 806 using data 812.

[0105] For example, program instructions 818 may include an operating system 822 (e.g., an operating system kernel, device drivers, and / or other modules) installed on the resource transfer device 800, and one or more application programs 820 (e.g., a browser, social application, or game application). Similarly, data 812 may include operating system data 816 and application data 814. Operating system data 816 is primarily accessible to the operating system 822, while application data 814 is primarily accessible to one or more application programs 820. Application data 814 may reside in a file system visible or hidden from the user on the resource transfer device 800.

[0106] Application 820 can communicate with operating system 812 through one or more application programming interfaces (APIs). These APIs help application 820 read and / or write application data 814, transmit or receive information via communication interface 802, receive or display information on user interface 804, etc.

[0107] In some terminology, application 820 may be simply referred to as "app". Furthermore, application 820 can be downloaded to resource transfer device 800 through one or more online app stores or app markets. However, the application can also be installed on resource transfer device 800 in other ways, such as through a web browser or a physical interface on resource transfer device 800 (e.g., a USB port).

[0108] Specifically, in this embodiment, the resource transfer device 800 includes a data storage 808 and one or more program instructions 818, wherein one or more program instructions 818 are stored in the data storage 808, and one or more program instructions 818 are configured to be executed by one or more processors. The one or more program instructions include computer-executable instructions for performing the following: Receive a resource order creation request initiated by the target user, wherein the resource order creation request includes the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. A corresponding resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the resource list is displayed to the target user. In response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

[0109] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the resource transfer device embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions of the method embodiments.

[0110] This specification provides a resource transfer device that receives a resource order creation request initiated by a target user, the resource order creation request including the quantity of resources to be transferred; in response to the resource order creation request, it sends a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receives points redemption information returned by the target resource transferor, the points redemption information including the number of points and a first quantity of resources that can be redeemed with the number of points; it generates a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, and displays the resource order to the target user; in response to a transfer request initiated by the target user for the resource order, it performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. In this way, by pre-consulting, the first quantity of resources that can be redeemed with points is determined before the transfer request is initiated, so that during the execution of resource transfer processing, the first quantity of resources can be directly used to offset part of the quantity of resources to be transferred, which not only promotes the full utilization of points, but also improves the real-time performance of resource transfer and enhances the user experience.

[0111] Furthermore, based on the above Figures 1 to 6 This specification also provides a storage medium for storing computer-executable instruction information in one or more embodiments. In one specific embodiment, the storage medium may be a USB flash drive, optical disc, hard disk, etc. When the computer-executable instruction information stored in the storage medium is executed by a processor, it can realize the following process: Receive a resource order creation request initiated by the target user, wherein the resource order creation request includes the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. A corresponding resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the resource list is displayed to the target user. In response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

[0112] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the above-described storage medium embodiment is basically similar to the method embodiment, so the description is relatively simple; relevant parts can be referred to the description of the method embodiment.

[0113] This specification provides a storage medium that receives a resource order creation request initiated by a target user, the resource order creation request including the quantity of resources to be transferred; in response to the resource order creation request, it sends a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receives points redemption information returned by the target resource transferor, the points redemption information including the number of points and a first quantity of resources that can be redeemed with the number of points; generates a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, displays the resource order to the target user, and in response to a transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. In this way, by pre-consulting, the first quantity of resources that can be redeemed with points is determined before the transfer request is initiated, so that when performing resource transfer processing, the first quantity of resources can be directly used to offset part of the quantity of resources to be transferred, which not only promotes the full utilization of points, but also improves the real-time performance of resource transfer and enhances the user experience.

[0114] Furthermore, based on the above Figures 1 to 6 This specification also provides one or more embodiments of a computer program product, including a computer program, which, when executed by a processor, can perform the following processes: Receive a resource order creation request initiated by the target user, wherein the resource order creation request includes the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. A corresponding resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the resource list is displayed to the target user. In response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

[0115] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on describing the differences from other embodiments. In particular, the above-described embodiment of a computer program product is relatively simple in description because it is fundamentally similar to the method embodiment; relevant parts can be referred to the description of the method embodiment.

[0116] This specification provides a computer program product that receives a resource order creation request initiated by a target user, the resource order creation request including the quantity of resources to be transferred; in response to the resource order creation request, sends a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receives points redemption information returned by the target resource transferor, the points redemption information including the number of points and a first quantity of resources that can be redeemed with the number of points; generates a corresponding resource order based on the quantity of resources to be transferred and the first quantity of resources, displays the resource order to the target user, and in response to a transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the quantity of resources to be transferred and the first quantity of resources. In this way, by pre-consulting, the first quantity of resources that can be redeemed with points is determined before the transfer request is initiated, so that during the execution of resource transfer processing, the first quantity of resources can be directly used to offset part of the quantity of resources to be transferred, which not only promotes the full utilization of points, but also improves the real-time performance of resource transfer and enhances the user experience.

[0117] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps described in the claims may be performed in a different order than those shown in the embodiments and still achieve the desired results. Furthermore, the processes depicted in the drawings do not necessarily require a specific or sequential order to achieve the desired results. In some embodiments, multitasking and parallel processing are possible or may be advantageous. Moreover, although one or more embodiments of this specification provide method steps as described in the embodiments or flowcharts, it is understood that the order of steps listed in the embodiments or flowcharts is merely one possible execution order among many steps and does not represent the only execution order. Therefore, when method steps are involved in the claims, adjustments to the order of those steps, or parallelism between steps, are also within the scope of protection of the claims.

[0118] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program and "integrate" a digital system onto a PLD themselves, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must also be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0119] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0120] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, laptop computer, cellular phone, camera phone, smartphone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or any combination of these devices.

[0121] For ease of description, the above apparatus is described by dividing it into various functional units. Of course, when implementing one or more embodiments of this specification, the functions of each unit can be implemented in one or more software and / or hardware.

[0122] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0123] Embodiments in this specification are described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this specification. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable parallel device to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable parallel device, generate instructions for implementing the flowchart illustrations. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0124] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable fraud device to operate in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0125] These computer program instructions can also be loaded onto a computer or other programmable device, causing a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable device for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0126] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0127] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0128] Computer-readable media include both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital versatile optical disc (DVD) or other optical storage, magnetic tape, disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0129] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical or equivalent elements in the process, method, article, or apparatus that includes said element. Furthermore, "a," "an," and "the" are not specifically singular and may include plural forms. Ordinal numbers such as "first," "second," etc., do not necessarily indicate order; they are often used to distinguish objects. For example, "first server" and "second server" usually refer to two servers, described as "first server" and "second server" to differentiate them; however, sometimes these two servers may be the same server. Moreover, in this specification, unless explicitly stated otherwise, "receiving and sending data" does not necessarily mean direct receiving and sending; it can be indirect receiving and sending (i.e., receiving and sending indirectly through one or more entities). Similarly, in this specification, unless otherwise stated, the relationships between structures can be direct or indirect.

[0130] Furthermore, the specific terms used in this specification to describe embodiments, such as "an embodiment," "one embodiment," or "some embodiments," refer to a particular feature, structure, or characteristic related to at least one embodiment of this specification. Therefore, it should be emphasized and noted that "an embodiment," "one embodiment," or "an alternative embodiment" mentioned twice or more in different locations in this specification do not necessarily refer to the same embodiment. Moreover, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of those different embodiments or examples, without contradiction.

[0131] Those skilled in the art will understand that the embodiments of this specification can be provided as methods, systems, or computer program products. Therefore, one or more embodiments of this specification may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of this specification may take the form of a computer program product implemented on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0132] One or more embodiments of this specification can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. One or more embodiments of this specification can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0133] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to interchangeably. Each embodiment focuses on describing the differences from other embodiments. In particular, the system embodiments are basically similar to the method embodiments, so the description is relatively simple; relevant parts can be referred to the descriptions in the method embodiments.

[0134] The above description is merely an embodiment of this specification and is not intended to limit this document. Various modifications and variations can be made to this specification by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of the claims in this document.

Claims

1. A resource transfer method, the method comprising: Receive a resource order creation request initiated by the target user, wherein the resource order creation request includes the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. A corresponding resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the resource list is displayed to the target user. In response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

2. The method according to claim 1, wherein in response to the resource order creation request, sending a points redemption request corresponding to the resource order creation request to a target resource transferor adapted to the resource order creation request, and receiving points redemption information returned by the target resource transferor, and searching for the first quantity of resources supporting points redemption from the points redemption information, comprises: In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to at least one candidate resource transferor associated with the target user, and points redemption information returned by the at least one candidate resource transferor is received, wherein the points redemption information includes the number of points provided by the candidate resource transferor and the number of resources that support the points redemption. Based on the points redemption information returned by the at least one candidate resource transferor, a target resource transferor that matches the resource order creation request is selected from the at least one candidate resource transferor, and the number of resources contained in the points redemption information returned by the target resource transferor is determined as the first resource quantity.

3. The method according to claim 2, wherein the number of target resource transferors is multiple, and the step of selecting a target resource transferor that matches the resource order creation request from the at least one candidate resource transferor, and determining the number of resources contained in the points redemption information returned by the target resource transferor as the first resource quantity, includes: Based on the points redemption information corresponding to multiple candidate resource transferors, at least one points redemption combination is constructed. The points redemption information corresponding to the candidate resource transferors also includes the number of combined points provided by the candidate resource transferors and the number of combined resources that can be redeemed with the number of combined points. The number of combined points is used to characterize the number of points that the candidate resource transferor allows to conduct joint points redemption with other candidate resource transferors. Based on the number of combined resources contained in the points redemption information, calculate the number of joint resources corresponding to each points redemption combination. The number of joint resources corresponding to the at least one points redemption combination is sorted, the maximum number of joint resources less than the number of resources to be transferred is determined, and the candidate resource transferors included in the points redemption combination corresponding to the maximum number of joint resources are determined as the target resource transferors. The maximum number of joint resources is determined as the first resource quantity.

4. The method according to claim 1, further comprising: When the points redemption information is not received within the preset first response time threshold, a corresponding resource order is generated based on the number of resources to be transferred, and the points redemption request corresponding to the resource order creation request is resent to the target resource transferor. If no points redemption information is received within the second response time threshold, a resource list generated based on the number of resources to be transferred is displayed to the target user. If points redemption information is received within the second response time threshold, a new resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the newly generated resource list is displayed to the target user.

5. The method according to claim 1, wherein in response to a transfer request initiated by the target user for the resource order, performing resource transfer processing for the resource order based on the number of resources to be transferred and the first number of resources includes: In response to the transfer request initiated by the target user for the resource list, query the points redemption status in the resource list; When the points redemption status is selected, resource transfer processing is performed on the resource list based on the number of resources to be transferred and the first resource quantity.

6. The method according to claim 5, wherein based on the quantity of resources to be transferred and the first quantity of resources, resource transfer processing is performed on the resource list, comprising: Obtain the internal resource exchange rules that are compatible with the resource order creation request; According to the internal resource conversion rules, the number of points contained in the points redemption information is converted into internal resources used to represent the number of the first resource. Based on the quantity of resources to be transferred and the internal resources, perform resource transfer processing for the resource list.

7. The method according to claim 6, further comprising: In response to the target user's request to cancel the transfer for the resource order, obtain the historical resource transfer processing records corresponding to the resource order; The remaining resource quantity is retrieved from the historical resource transfer processing record and returned to the target user. The remaining resource quantity is the difference between the number of resources to be transferred and the first resource quantity. The internal resources are retrieved from the historical resource transfer processing records, converted into points based on the internal resource conversion rules, and the points are returned to the target resource transferor.

8. The method according to claim 1, further comprising: Identify the service provider that offers the points redemption service; Obtain the number of points provided by the target resource transferor in response to the transfer request; Based on the number of points provided by the target resource transferor, a transaction record is generated between the service provider and the target resource transferor. The transaction record is used to assist the service provider or the target resource transferor in verifying the transaction information.

9. A resource transfer device, the device comprising: The pre-consultation module receives a resource order creation request initiated by the target user, the resource order creation request including the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. The processing module generates a corresponding resource list based on the number of resources to be transferred and the first resource quantity, and displays the resource list to the target user; The transfer module, in response to the transfer request initiated by the target user for the resource order, performs resource transfer processing for the resource order based on the number of resources to be transferred and the first number of resources.

10. A resource transfer device, the device comprising: processor; as well as A memory configured to store computer-executable instructions, which, when executed, cause the processor to: Receive a resource order creation request initiated by the target user, wherein the resource order creation request includes the number of resources to be transferred; In response to the resource order creation request, a points redemption request corresponding to the resource order creation request is sent to the target resource transferor that is compatible with the resource order creation request, and the points redemption information returned by the target resource transferor is received. The points redemption information includes the number of points and the number of first resources that can be redeemed with the number of points. A corresponding resource list is generated based on the quantity of resources to be transferred and the first quantity of resources, and the resource list is displayed to the target user. In response to the transfer request initiated by the target user for the resource order, resource transfer processing for the resource order is performed based on the number of resources to be transferred and the first number of resources.

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