CN114372789B

CN114372789B - Data processing system, data processing method and electronic device

Info

Publication number: CN114372789B
Application number: CN202011099392.3A
Authority: CN
Inventors: 杨健明; 江东妹; 王叶茂
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-10-14
Filing date: 2020-10-14
Publication date: 2025-07-15
Anticipated expiration: 2040-10-14
Also published as: CN114372789A

Abstract

The present application relates to the field of computer technology, and in particular to a data processing system, a data processing method and an electronic device for improving the flexibility of payment service settlement. The data collection module of the data processing system collects transaction data of at least one target account and saves the collected transaction data to a storage area; the summary processing module obtains transaction data from the storage area and determines the summary processing rules corresponding to each target account respectively; performs summary processing according to the summary processing rules to obtain the summary results corresponding to each target account, and sends the summary results to the resource transfer module; the resource transfer module receives the summary results sent by the summary processing module and determines the resource transfer rules corresponding to each target account respectively; and transfers electronic resources according to the summary results corresponding to each target account and the resource transfer rules. Since the resource transfer rules corresponding to each target account are different, the flexibility of payment service settlement can be improved.

Description

Data processing system, data processing method and electronic equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a data processing system, a data processing method, and an electronic device.

Background

With the continuous development of internet technology, more and more merchants conduct electronic transactions, and transaction modes are increased. In order to be suitable for various transaction modes, the payment service platform is provided with a flexible transaction data processing mode, so that more flexible service experience is conveniently provided based on merchant demands, and settlement management of transaction data in the payment service platform is also facilitated.

In general, a data processing system for payment service settlement is mainly used for providing corresponding settlement services for merchants of multiple service payment platforms. At present, a data processing system for payment service settlement has a single processing mode for transaction data, and a data processing system capable of flexibly processing the transaction data is needed.

Disclosure of Invention

The embodiment of the application provides a data processing system, a data processing method and electronic equipment, which are used for improving the flexibility of transaction data processing.

In a first aspect, an embodiment of the present application provides a data processing system, where the system includes a data acquisition module, a summary processing module, and a resource transfer module;

The data acquisition module is used for acquiring transaction data of at least one target account for transaction and storing the acquired transaction data of the at least one target account into the storage area;

The system comprises a storage area, a summarizing processing module, a resource transfer module and a data processing module, wherein the storage area is used for storing transaction data of at least one target account;

The resource transfer module is used for receiving the summarized result corresponding to at least one target account sent by the summarizing processing module, respectively determining the resource transfer rule corresponding to each target account, and carrying out transfer processing on the electronic resource corresponding to each target account according to the summarized result corresponding to each target account and the resource transfer rule.

Optionally, the summarizing processing module is specifically configured to determine summarizing processing rules corresponding to each target account according to a corresponding relationship between the pre-stored accounts and the summarizing processing rules;

The resource transfer module is specifically configured to determine a resource transfer rule corresponding to each target account according to a corresponding relationship between a pre-stored account and the resource transfer rule.

In a second aspect, an embodiment of the present application provides a data processing method, including:

Collecting transaction data of at least one target account where transaction occurs, and storing the collected transaction data of the at least one target account in a storage area;

Acquiring transaction data of at least one target account from the storage area, and respectively determining summary processing rules corresponding to each target account; according to the summarizing rules corresponding to the target accounts, summarizing transaction data of the target accounts respectively to obtain summarizing results corresponding to the target accounts;

And transferring the electronic resources corresponding to each target account according to the summarized results corresponding to each target account and the resource transfer rules.

Optionally, collecting transaction data of at least one target account where a transaction occurs specifically includes:

According to a plurality of preset collection time points for collecting transaction data, after the collection time points are confirmed to be reached, collecting the transaction data generated by each account in a preset time period before the collection time points;

Storing the collected transaction data of at least one target account in a storage area, wherein the method specifically comprises the following steps:

According to the corresponding relation between the preset acquisition time point and the data storage position, determining the data storage position corresponding to the acquired acquisition time point, and storing the acquired transaction data of each account into a storage area corresponding to the determined data storage position.

Optionally, acquiring transaction data of at least one target account from the storage area specifically includes:

and after the arrival of the summary time points is determined, determining at least one data storage position corresponding to the arrived summary time point according to the corresponding relation between the preset summary time points and the data storage positions, and acquiring the transaction data of each account acquired by the data acquisition module from a storage area corresponding to the at least one data storage position.

Optionally, determining the summary processing rule corresponding to each target account respectively specifically includes:

And determining the summarization rule corresponding to each target account according to the corresponding relation between the prestored account and the summarization rule.

Optionally, determining the resource transfer rule corresponding to each target account respectively specifically includes:

And determining a resource transfer rule corresponding to each target account according to the corresponding relation between the pre-stored account and the resource transfer rule after determining that the transfer time points arrive according to a plurality of preset transfer time points for transferring the resources.

In a third aspect, an embodiment of the present application provides an electronic device, including:

At least one processor, and

A memory communicatively coupled to the at least one processor, wherein,

The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the data processing method of embodiments of the present application.

The application has the beneficial effects that:

Based on the data processing system provided by the embodiment of the application, a data acquisition module acquires transaction data of at least one target account of each payment service platform, stores the acquired transaction data of the at least one target account in a storage area, a summarization processing module acquires the transaction data of the at least one target account from the storage area and respectively determines summarization processing rules corresponding to the target accounts when summarizing the transaction data of the target accounts, respectively summarizing the transaction data of the target accounts according to the summarization processing rules corresponding to the target accounts to obtain a summarization result corresponding to each target account, and sends the summarization result corresponding to the at least one target account to a resource transfer module, wherein the resource transfer module receives the summarization result corresponding to the target account and respectively determines the resource transfer rules corresponding to the target accounts, and transfers electronic resources corresponding to each target account according to the summarization result corresponding to the target accounts and the resource transfer rules. Because the data processing system provided by the embodiment of the application has the advantages that the summarization processing rules corresponding to different target accounts can be the same or different, the summarization processing module determines the summarization processing rules corresponding to each target account, the transaction data of the target accounts with the same summarization processing rules can be uniformly processed, and the resource transfer rules corresponding to different target accounts can be the same or different, the resource transfer module performs electronic resource transfer according to the summarization results corresponding to each target account and the resource transfer rules, so that the flexibility of transaction data processing is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly described below, it will be apparent that the drawings in the following description are only some embodiments of the present application, and that other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of an application scenario illustrated in accordance with an exemplary embodiment;

FIG. 2 is a schematic diagram of a data processing system according to an embodiment of the present application;

FIG. 3 is a display interface of a client shown according to an exemplary embodiment;

FIG. 4 is a schematic diagram of another alternative application scenario illustrating an embodiment of the present application;

FIG. 5 is a schematic diagram of disaster recovery of the system according to an embodiment of the present application;

FIG. 6 is a schematic diagram of another data processing system according to an embodiment of the present application;

FIG. 7 is a schematic diagram of another data processing system according to an embodiment of the present application;

FIG. 8 is a schematic diagram of an electronic resource transfer process according to an embodiment of the present application;

FIG. 9 is a diagram illustrating a transaction data processing process in a data processing system according to an embodiment of the present application;

FIG. 10 is a flowchart of a data processing method according to an embodiment of the present application;

Fig. 11 is a schematic structural diagram of an electronic device according to an embodiment of the present application;

fig. 12 is a schematic structural diagram of a computing device according to an embodiment of the present application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments of the present invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention. Embodiments of the invention and features of the embodiments may be combined with one another arbitrarily without conflict. Also, while a logical order is depicted in the flowchart, in some cases, the steps depicted or described may be performed in a different order than presented herein.

The terms first and second in the description and claims of the invention and in the above-mentioned figures are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the term "include" and any variations thereof is intended to cover non-exclusive protection. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus.

In the embodiment of the present application, the "plurality" may mean at least two, for example, two, three or more, and the embodiment of the present application is not limited.

Some terms involved in the embodiments of the present application are described below to facilitate understanding by those skilled in the art.

Clearing, namely clearing transaction money to the merchant according to the clearing contract rule agreed with the merchant for the collection business, issuing a transaction bill and clearing the bill, and clearing the commission to business income according to the clearing contract rule agreed with the merchant for the charging business, and issuing a commission bill.

And the settlement presentation step of delivering the funds or account balance to the merchant to be settled according to settlement presentation rules agreed in the contract agreement.

Business channel-transactions for various paymate platforms, such as transactions conducted through mobile phone applications, transactions conducted through personal computer (Personal Computer, PC) website platforms.

And the payment service is product information opened by a merchant, such as clothing service and digital household appliance service.

Payment means, which is a channel used by the user in payment transactions, such as online payments, payment alternatives, etc.

At present, a data processing system for payment service settlement is mainly used for providing corresponding settlement services for merchants of various service payment platforms. At present, the transaction data processing mode of a data processing system for payment service settlement is single, and flexible processing cannot be performed according to the requirements of users.

In the data processing system provided by the embodiment of the application, a data acquisition module acquires transaction data of at least one target account of each payment service platform, stores the acquired transaction data of at least one target account in a storage area, and can generate multi-order transaction data due to the plurality of target accounts, wherein the data acquisition module can store the acquired transaction data of at least one target account in the at least one storage area, reduce the storage pressure of the system and prevent the system from being paralyzed to lose all the transaction data, when the transaction data of each target account are summarized, the summarization processing module acquires the transaction data of at least one target account from the storage area, respectively determines summarization processing rules corresponding to each target account, respectively performs summarization processing on the transaction data of each target account according to summarization processing rules corresponding to each target account, obtains a summarization result corresponding to each target account, and transmits the summarization result corresponding to each target account to a resource transfer module, wherein the summarization processing rules corresponding to different target accounts can be the same or different, the summarization processing rules corresponding to each target account can determine the summarization processing rules corresponding to each target account, the efficiency of the transaction data transfer can be increased, and the efficiency of the data corresponding to each target account can be obtained according to the summarization rules corresponding to each target account is increased, and the summarization result corresponding to each target account is obtained, and carrying out transfer processing on the electronic resources corresponding to each target account, wherein the resource transfer rules corresponding to different target accounts can be the same or different, and the resource transfer module carries out electronic resource transfer according to the summarized results corresponding to each target account and the resource transfer rules, so that the flexibility of payment business settlement is improved, and further the user experience is improved.

As shown in fig. 1, which is a schematic diagram of an alternative application scenario of an embodiment of the present application, the application scenario includes a plurality of terminal devices 10 and a server 20;

For each terminal device 10, the target object logs in a client installed on the terminal device 10 by using a target account, wherein the client installed on the terminal device 10 can be a client capable of carrying out electronic transaction;

The server 20 is provided with a data processing system, the data processing system collects transaction data of a plurality of target accounts and respectively determines corresponding summarizing processing rules of each target account, the transaction data of each target account are respectively summarized according to the corresponding summarizing processing rules of each target account to obtain a corresponding summarizing result of each target account, resource transfer rules corresponding to each target account are respectively determined, and electronic resources corresponding to each target account are transferred according to the corresponding summarizing results of each target account and the resource transfer rules.

Fig. 2 is a schematic structural diagram of a data processing system according to an embodiment of the present application, where the system includes a data acquisition module 101, a summary processing module 102, and a resource transfer module 103.

The data collection module 101 is configured to collect transaction data of at least one target account in which a transaction occurs, and store the collected transaction data of the at least one target account in the storage area;

The system comprises a storage area, a summarizing processing module 102, a resource transfer module and a data processing module, wherein the storage area is used for storing transaction data of at least one target account;

And the resource transfer module 103 is used for receiving the summarized result corresponding to at least one target account sent by the summarizing processing module, respectively determining the resource transfer rule corresponding to each target account, and carrying out transfer processing on the electronic resource corresponding to each target account according to the summarized result corresponding to each target account and the resource transfer rule.

The server 20 may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs (Content Delivery Network, content delivery networks), basic cloud computing services such as big data and artificial intelligence platforms;

when the server 20 is an independent physical server, the acquisition module 101, the aggregation processing module 102 and the resource transfer module 103 in the data processing system may be integrated in the same physical server, and when the server 20 is a server cluster or a distributed system formed by a plurality of physical servers, the acquisition module 101, the aggregation processing module 102 and the resource transfer module 103 may be respectively located in different physical servers.

It should be noted that, after the target object logs in the client installed on the terminal device 10 through the target account, the summary processing rule and the resource transfer rule corresponding to the target account may be set or modified in the display interface of the client.

As shown in fig. 3, for example, a display interface of a client side is used to set a resource transfer rule corresponding to a target account, where the display interface of the client side displays a list of a plurality of selectable resource transfer rules, and the target object may select a resource management rule corresponding to the target account from the plurality of resource transfer rules in the list, for example, a merchant selects a resource transfer rule numbered as "1000003000", where the merchant may also create the resource transfer rule by touching "+" and delete the resource transfer rule by "-".

In addition, in order to improve reliability of data processing, the embodiment of the present application may deploy a data processing system in a plurality of servers to perform system disaster recovery, as shown in fig. 4, which is a schematic diagram of another alternative application scenario of an embodiment of the present application, including a plurality of terminal devices (401-403), a server 41 and a server 42, where the server 41 may be a main server and the server 42 may be a standby server.

The main server 41 and the standby server 42 are both provided with data processing systems, the main server 41 and the standby server 42 can be located in different geographic positions, the routing configuration center is responsible for configuring the main server and the standby server, the main server 41 and the standby server 42 can operate simultaneously or only operate the main server 41, when the main server 41 fails, the standby server 42 is started, and data generated by the main server 41 and the standby server 42 are mutually backed up.

As shown in FIG. 5, the disaster recovery schematic diagram of the main server 41 and the standby server 42 is shown, the rule table in the main server 41 is backed up in the standby server 42, the main server 41 comprises transaction tables set1-DB1, the transaction tables set1-DB1 store data of all modules in the data processing system of the main server 41, including transaction data collected by a data collection module and summary results of summary processing modules, the standby server 42 backs up the data in the transaction tables set1-DB1 of the main server 41 to generate standby transaction tables set2-DB1, the data of the standby server 42 also comprises transaction tables set2-DB2, the transaction tables set2-DB2 store data of all modules in the data processing system of the standby server 42, including transaction data collected by the data collection module, summary results of the summary processing module and the like, the standby server 41 backs up the data in the transaction tables set2-DB2 of the standby server 42 to generate standby transaction tables 1-DB2, and the standby server 41 and the standby server 42 display the transaction results in a manner that the standby server 42 can display the transaction results to a user interface.

In the embodiment of the application, the data in the data processing system mainly comprises two parts of data, wherein the first part of data is summary processing rules and resource transfer rules corresponding to each target account, the first part of data can be called configuration data, the change times are less, the average number of the change times is thousands of the change times per day, the second part of data is summary results, resource transfer numbers and the like of each target account, and the data volume is larger.

For the first part of data, unifying an external access layer, generally creating a resource transfer rule and a summarizing processing rule when a target account applies for registration, or storing the created rule or the modified rule into a rule table when the target account modifies the summarizing processing rule or the resource transfer rule, and recording at least one of corresponding target account identification, creation/modification time and summarizing period, and simultaneously storing the data table into a settlement main server and a settlement standby server;

For the second part of data, the quantity is larger, in order to prevent the problems of re-settlement, missed settlement, multijunction and the like caused by switching between the main settlement server and the standby settlement server after fault recovery, the data in the main settlement server/standby settlement server transaction table can be used for judging whether the target account has completed data summarization, resource transfer and the like, if the transaction data of the target account A is not queried, the target account A can be frozen first until the fault recovery is carried out, thawing is carried out, and settlement of other accounts is not influenced in the freezing process.

In an embodiment of the application, the electronic resources include transaction money, specified deposit amount, commission fee, and the like.

In embodiments of the present application, the resource transfer rules may also be referred to as settlement rendering rules. The account types of merchants of different business channels are different.

The data processing system provided by the embodiment of the application defines the electronic resource transfer mode of a certain payment service, a certain service channel and a certain payment mode of the target account based on the three parts of the resource transfer rule, the settlement presentation account and the settlement presentation target account. The resource transfer account is a source account of the funds to be settled and the funds to be settled, which can be an account opened by a merchant on a payment platform, and the resource transfer target account is a target account of the funds to be settled and the funds to be settled, which can be a bank card or an account opened by the merchant on the payment platform.

Among them, the resource transfer rule includes a resource transfer mode (full transfer, partial transfer, etc.) and a specified retention (including the present account and the counterpart account). For example, table 1 illustrates several resource transfer rules provided by embodiments of the present application, and a detailed description of each resource transfer rule is provided in Table 1.

Table 1, contents of settlement presentation rules

In the embodiment of the application, the resource transfer rule corresponding to the target account can be uniquely determined according to at least one of the account ID, the service channel, the payment service and the payment mode of the target account. And determining at least one of a resource transfer money account, a resource transfer target account, a resource transfer mode and a specified resource reserved amount according to the resource transfer rule.

In the embodiment of the present application, when the data collection module 101 collects transaction data of at least one target account where a transaction occurs, the data collection may be performed according to the following manner:

The method comprises the steps of presetting a plurality of collection time points for collecting transaction data according to the number of target accounts of a payment service platform or the transaction data amount of the payment service platform, wherein the collection time points for collecting the transaction data can be the same or different, for example, the payment service platform can generate less transaction data from 8 points to 10 points and more transaction data from 10 points to 14 points, 2 collection time points can be set from 8 points to 10 points and 8 collection time points can be set from 10 points to 14 points, the data collection module 101 collects the transaction data generated by each account in a preset time period before the collection time point according to the preset collection time points after the collection time points are confirmed to be reached, wherein the preset time period can be set according to actual transaction conditions, for example, 9:00 is the set time collection point, the preset time period is 10 minutes, and the data collection module 101 collects the transaction data generated by each account in 8:50-9:00 when 9:00.

In an optional implementation manner, the embodiment of the application may separately store the collected data according to the type of the target account, for example, the transaction data of each target account in the payment service platform a is stored in the location 1, and the transaction data of each target account in the payment service platform B is stored in the location 2;

In an alternative embodiment, the data acquisition module 101 records the transaction time of the last transaction data acquired in each preset duration, acquires the transaction data after the transaction time of the last transaction data acquired in the last preset duration according to the transaction time generated by the transaction data, avoids the repeated transaction data acquired in each preset duration, reduces the data redundancy, for example, the first preset duration is 9:50-10:00, the second preset duration is 10:00-10:10, the data acquisition module 101 acquires the transaction data recorded in the last transaction data acquired in the first preset duration is 9:59:59, and the data acquisition module 101 acquires the transaction data after 9:59:59 and records the transaction time of the last transaction data acquired in the second preset duration is 10:00-10:10 when the data acquisition module 101 acquires the transaction data of the last transaction data acquired in the first preset duration;

In an optional implementation manner, after collecting transaction data of each account, the data collecting module 101 determines a data storage position corresponding to the reached collection time point according to a corresponding relation between a preset collection time point and the data storage position, and stores the collected transaction data of each account in a storage area corresponding to the determined data storage position;

For example, the data storage area corresponding to the collection time point 9 is the storage location 1, and when the collection time point 9 is reached, the data collection module 101 stores the collected transaction data of each account into the storage location 1.

The aggregate processing module 102, when retrieving transaction data for at least one target account from the storage area, may retrieve transaction data for each account according to the following manner:

For example, 24 points of the number 19 month are summary time points, the data storage positions corresponding to the summary time points are position 1 and position 2, and the summary processing module 102 acquires the transaction data of each account acquired by the data acquisition module 101 from the position 1 and the position 2 when the data storage positions are 24 points of the number 19 month.

After acquiring the transaction data of each account, the summarizing processing module 102 determines summarizing processing rules corresponding to each target account respectively; according to the summarizing rules corresponding to each target account, summarizing transaction data of each target account to obtain a summarizing result corresponding to each target account;

In an optional implementation manner, after transaction data of at least one target account is acquired, a summary processing rule corresponding to each target account can be determined according to a corresponding relation between a prestored account and the summary processing rule, wherein each target account can be uniquely identified by an account ID, the summary processing rule can be uniquely identified by a summary rule number, and the corresponding relation between the account and the summary processing rule can be represented by the account ID and the summary processing rule number;

In an alternative implementation, the summarization processing module 102 can simultaneously summarize the transaction data of the target accounts with the same summarization processing rules to improve the summarization processing efficiency, and in a specific implementation, the summarization processing module 102 determines the summarization processing rules corresponding to each target account, groups the target accounts according to the summarization processing rules, and respectively summarizes the transaction data of the target accounts in each target account group to obtain the summarization result corresponding to each target account in each target account group.

It should be noted that, in the embodiment of the present application, there is an association relationship between the summary processing rules corresponding to the target accounts and the resource transfer rules, for example, when the resource transfer rules corresponding to different target accounts are different, the corresponding summary processing rules are also different. And the summarizing processing rule corresponding to the target account A is that summarizing the summarizing result transferred to the appointed platform account, summarizing the summarizing result transferred to the bank card account and summarizing the summarizing result related to the commission charge to be deducted.

For example, the resource transfer rule of the target account A is that 50 yuan is presented to the appointed platform account, the balance is presented to the bound bank card account, and assuming that the transaction data of the target account A obtained by the summarizing processing module is 40 yuan and 60 yuan, the transaction data of the target account A is accumulated to obtain 100 yuan of total transaction data, the commission required to be deducted is summarized by 1 yuan, the summarizing result required to be transferred to the appointed platform account is 50 yuan, and the summarizing result required to be transferred to the bank card account is 49 yuan.

In the embodiment of the application, the data acquisition module 101 and the summarization processing module 102 can preset the storage format of the transaction data, and the data acquisition module 102 stores the acquired transaction data of each target account according to the set format, so that the summarization processing module 102 can collect the transaction data conveniently.

After receiving the summary result corresponding to the at least one target account sent by the summary processing module, the resource transfer module 103 may determine a resource transfer rule corresponding to each account according to the following manner:

Determining a resource transfer rule corresponding to each target account according to the corresponding relation between the pre-stored accounts and the resource transfer rule;

Each account can be uniquely identified by an account ID, the resource transfer rule can be uniquely identified by a resource transfer rule number, and the corresponding relationship between the account and the resource transfer rule can be represented by the account ID and the resource transfer rule number;

In an alternative embodiment, a plurality of transfer time points for transferring resources may be preset, the resource transfer module 103 determines, according to the plurality of transfer time points, a resource transfer rule corresponding to each account after determining that the transfer time point arrives, and transfers the received summary result corresponding to each account sent by the summary processing module 102 to each electronic resource corresponding to each account according to the summary result corresponding to each account and the resource transfer rule, for example, the transfer time point for transferring resources is set to 24 points per day, after the 24 points arrive, 1 element in 100 elements of the target account a is transferred to a benefit account of a payment service platform where the target account a is located, and 50 elements are transferred to another account a' of the payment service platform, and 49 elements are transferred to a bank card account bound by the target account a.

Fig. 6 is a schematic structural diagram of a data processing system according to an embodiment of the present application, where the system includes a data acquisition module 101, a summary processing module 102, a resource transfer module 103, and a task master module 104;

the data acquisition module 101 is configured to receive a first scheduling instruction, acquire transaction data generated by each account within a preset time period before the first scheduling instruction is received, and store the acquired transaction data of each account in a storage area corresponding to a data storage position included in the first scheduling instruction;

The summarizing processing module 102 receives the second scheduling instruction, and obtains transaction data of each account acquired by the data acquisition module from a storage area corresponding to at least one data storage position;

The resource transfer module 103 is configured to determine a resource transfer rule corresponding to each account after receiving the third scheduling instruction, and transfer electronic resources corresponding to each account according to the summary result corresponding to each account and the resource transfer rule, where the summary result corresponds to each account and is sent by the received summary processing module 102;

The task master control module 104 is configured to send a first scheduling instruction to the data acquisition module 101 after determining that the acquisition time points arrive according to a plurality of preset acquisition time points for data acquisition, determine at least one data storage location corresponding to the arrived summary time point according to a corresponding relation between the preset summary time points and the data storage location after determining that the summary time points arrive according to a plurality of preset time points for data summary, send a second scheduling instruction including at least one data storage location to the summary processing module, and send a third scheduling instruction to the resource transfer module after determining that the transfer time points arrive according to a plurality of preset transfer time points for resource transfer.

The task master control module 104 can determine a data storage position corresponding to an arriving acquisition time point according to a corresponding relation between the preset acquisition time point and the data storage position, send the determined data storage position to the data acquisition module 101 through a first scheduling instruction, and send the first scheduling instruction to the data acquisition module 101 after the acquisition time point arrives, wherein the first scheduling instruction carries the acquisition time point;

For example, the 10 points are collection time points, the preset time period is 10 minutes, after the 10 points are reached, the task master control module 104 sends a first scheduling instruction to the data collection module 101, and after the data collection module 101 receives the first scheduling instruction, the data collection module collects transaction data generated by each account in 9:50 to 10:00, and the collected transaction data generated by each account is stored in the storage position 1;

the first scheduling instruction includes an acquisition identifier, an acquisition time point and a data storage position, the acquisition identifier may be represented by an 11-bit binary number, and is used for indicating that the first scheduling instruction is sent to the data acquisition module 101, the data storage position may be represented by a 2-bit binary number, a format of the first scheduling instruction may be that the acquisition identifier + yyyymmdd + HHMM + is a data storage position, wherein yyyymmdd is a time and month and day, HHMM is a time and time division, yyyymmdd + HHMM is a time acquisition point, for example, the first scheduling instruction is 00000000001+20200930+9:00+01 indicates that the data storage position corresponding to 9:00 in the 9 th am of the 2020 month and 30 is position 1, when the acquisition time point arrives, the task master module 104 sends the first scheduling instruction to the data acquisition module 101, the first scheduling instruction carries the data storage position, and the data acquisition module 101 stores the acquired transaction data of each account to position 1 according to the received first scheduling instruction;

In an alternative embodiment, the first scheduling instruction may further include an acquisition end time in a format of an acquisition identifier + yyyymmdd + HHMM + HHMM +data storage location, where the first one HHMM is an acquisition start time point and the second one HHMM is an acquisition end time point, and by setting the acquisition end time point, the acquisition duration of the data acquisition module 101 is ensured, interruption of a data acquisition task is avoided, and the integrity of data acquired by the data acquisition module is improved.

In the embodiment of the present application, the summary processing module 102 may determine the summary processing rule corresponding to each target account in the following two manners:

the first mode is that the summarizing processing module respectively determines summarizing processing rules corresponding to all accounts according to the corresponding relation between the accounts stored in advance and the summarizing processing rules;

The task master control module 104 determines at least one data storage position corresponding to the reached summary time point according to the corresponding relation between the preset summary time point and the data storage position after determining that the summary time point arrives according to a plurality of preset time points for data summary; the data acquisition module 101 acquires transaction data of each account from a storage area corresponding to at least one data storage position, and respectively determines a summarization rule corresponding to each target account in the storage area corresponding to the at least one data storage position according to a corresponding relation between the pre-stored account and the summarization rule;

The task master control module 104 can generate a second scheduling instruction according to a corresponding relation between a preset summarizing time point and the data storage position, wherein the second scheduling instruction comprises a summarizing mark, a summarizing time point and at least one data storage position, the summarizing mark can be expressed by 11-bit binary numbers and is used for indicating that the second scheduling instruction is sent to the summarizing processing module 102, the data storage position can be expressed by 2-bit binary numbers, the format of the second scheduling instruction can be represented by a summarizing mark + yyyymmdd + HHMM + data storage position 1+data storage position 2+. A data storage position N, N is an integer larger than 1, wherein yyyymmdd is the year and month day, HHMM is time division, yyyymmdd + HHMM is the summarizing time point, for example, the second scheduling instruction is 0000000000000000010+202930+24:00+01+02 indicates that the corresponding data storage position at 9:00 in the noon of 2020 month 30 is position 1 and position 2;

the second mode is that the summarizing processing module determines summarizing processing rules corresponding to each account through the rule inquiring module;

the data processing system shown in FIG. 7 further includes a rule query module 105;

the summarization processing module 102 sends a first query instruction containing account identification of at least one target account to the rule query module 105, and receives summarization processing rules corresponding to each target account returned by the rule query module 105;

The rule query module 105 receives the first query instruction sent by the summary processing module 102, determines the summary processing rule corresponding to each target account according to the corresponding relation between the pre-stored account and the summary processing rule, and returns the summary processing rule corresponding to each target account to the summary processing module 102;

The account identifier may be an account ID, and the rule query module 105 determines, according to the received first query instruction, a summary processing rule corresponding to each account ID, and returns the determined summary processing rule corresponding to each target account to the summary processing module 102, so that the summary processing module performs summary processing according to transaction data of each target account of the summary processing rule;

As shown in fig. 7, the rule query module 105 of the embodiment of the present application includes a control unit 1051 and at least one rule service unit 1052;

The control unit 1051 receives the first query instruction sent by the summarization processing module 102, determines rule service units corresponding to all target accounts contained in the first query instruction according to the corresponding relation between the account types and the rule service units, and sends a first notification message for querying summarization processing rules corresponding to the target accounts to the rule service units corresponding to all target accounts;

after receiving the first notification message sent by the control unit 1051, the rule service unit 1052 determines the summary processing rule corresponding to the target account included in the first notification message according to the corresponding relation between the pre-stored account and the summary processing rule, and returns the determined summary processing rule corresponding to the target account to the control unit 1051;

The rule query module 105 is connected with an OpenID Provider (OP), and the OP provides a target account authentication function for determining an account type of a target account;

The rule query module 105 may be configured to store summary processing rules, where account types of different payment service platforms are different, and different types of accounts may correspond to different summary processing rules, and in order to improve system performance, one payment service platform may correspond to one rule service unit 1052, where the rule service unit only responds to a first notification message of a summary processing rule corresponding to a target account subscribed by the payment service platform;

in the embodiment of the application, one rule service unit can provide at least one service interface, and each service interface provides different summarized rule services;

The first rule service unit comprises a rule query interface, a rule creation interface and a rule modification interface, wherein the rule query interface is used for responding to the first notification message sent by the control unit and providing summarization rule service corresponding to each target account, the rule creation interface is used for creating summarization rules for the target accounts when the target accounts are in the payment service platform, and the rule modification interface is used for providing service for modifying the summarization rules for the target accounts.

In the embodiment of the present application, the resource transfer module 103 may determine the resource transfer rule corresponding to each target account in the following two ways;

The first mode is that the resource transfer module respectively determines the resource transfer rules corresponding to the accounts according to the corresponding relation between the pre-stored accounts and the resource transfer rules;

The task master control module 104 sends a third scheduling instruction to the resource transfer module 103 after determining that the transfer time points arrive according to a plurality of preset transfer time points for transferring the resources;

After receiving the third scheduling instruction, the resource transfer module 103 determines a resource transfer rule corresponding to each account according to a corresponding relation between a prestored account and the resource transfer rule, and transfers the electronic resource corresponding to each account according to the summary result corresponding to each account and the resource transfer rule, which are sent by the received summary processing module 102;

After receiving the third scheduling instruction, the resource transfer module 103 may determine a resource transfer rule corresponding to each target account according to a corresponding relationship between a prestored account and the resource transfer rule, for example, an account ID of each target account corresponds to a resource transfer rule number, and determine a resource transfer rule corresponding to each target account according to the ID of each target account;

in the embodiment of the application, the process of transferring from a cash dispenser (account B of a payment service platform where a target account C is located) to a deposit dispenser (cash account of the target account C) is called settlement transaction (B2C), and the process of transferring from the cash dispenser (cash account of the target account C) to the deposit dispenser (cash account B of the payment service platform) is called settlement commission (C2B);

In an embodiment of the application, the electronic resource transfer process includes transferring from the payoff party (cash account of target account C) to the other account of the target account bound bank card account or payment service platform, and transferring from the payoff party (revenue account D of payment service platform) to the revenue account bound bank card account of the payment service platform;

The resource transfer module 103 determines, for each target account, the number of resources transferred to the resource account according to the electronic resource transfer corresponding to the target account, where the resource account includes a bank card account bound by the target account and an account opened by a payment service platform, and transfers the number of resources determined by the electronic resource transfer of the target account to the corresponding resource account according to a resource transfer rule, for example, the resource transfer rule corresponding to the target account C is to transfer the transaction amount to the bank card in full, the electronic resource transfer process of the target account C is as shown in fig. 8, the summary result of the target account C is 100 elements of settlement transaction, and the settlement is 1 element, when the electronic resource of the target account C is subjected to resource transfer, the 1 element of the transaction is transferred from the cash account of the target account C to the benefit account of the payment service platform, and the transaction is transferred from the benefit account to the bank card account bound by the benefit account, and 99 elements after deduction of the transaction are all transferred to the bank card account bound by the target account C;

the second mode, the resource transfer module determines the resource transfer rule corresponding to each account through the rule inquiry module;

the resource transfer module 103 sends a second query instruction containing account identification of at least one target account to the rule query module 105, and receives resource transfer rules corresponding to the target accounts returned by the rule query module 105;

The rule query module 105 receives the second query instruction sent by the resource transfer module, determines the resource transfer rule corresponding to each target account according to the corresponding relation between the prestored account and the resource transfer rule, and returns the resource transfer rule corresponding to each target account to the resource transfer module;

The rule query module 105 may be configured to store resource transfer rules, where account types of different payment service platforms are different, and different types of accounts may correspond to different resource transfer rules, where each payment service platform corresponds to one rule service unit 1052, and the rule service unit only responds to a second notification message of a resource transfer rule corresponding to a target account subscribed to the payment service platform;

In a specific implementation, the control unit 1051 receives the second query instruction sent by the summarizing processing module 102, determines a rule service unit corresponding to each target account included in the second query instruction according to a corresponding relation between the account type and the rule service unit, sends a second notification message for querying a resource transfer rule corresponding to the target account to the rule service unit corresponding to each target account, returns the resource transfer rule corresponding to each target account to the resource transfer module 103 after receiving the resource transfer rule corresponding to each target account returned by the rule service unit, and determines the resource transfer rule corresponding to the target account included in the second notification message and returns the determined resource transfer rule corresponding to the target account to the control unit 1051 after receiving the second notification message sent by the control unit 1051.

Fig. 9 is a schematic diagram of a processing procedure of transaction data in a data processing system provided in an embodiment of the present application, as shown in fig. 9, a server 301 provides transaction data of each target account in each payment service platform, a data acquisition module 101 acquires transaction data from the server 301, stores the transaction data in a database 302 according to a set format, and parses the acquired transaction data, a summary processing module 102 acquires transaction data of each target account from the data acquisition module 101, sends a first query instruction to a rule query module 105, receives a summary processing rule returned by the rule query module 105, and performs summary according to the summary processing rule, a resource transfer module 103 acquires a summary result from the summary processing module 102, sends a second query instruction to the rule query module 105, receives a resource transfer rule returned by the rule query module 105, determines a transaction fee and a transaction amount according to the summary result and the resource transfer rule, and routes the resource transfer service to a corresponding bank by a resource transfer router 303, thereby realizing transfer of electronic resources.

Based on the above data processing system, fig. 10 is a flowchart of a data processing method according to an embodiment of the present application, where a specific implementation flow of the method is as follows:

Step S1001, collecting transaction data of at least one target account where a transaction occurs, and storing the collected transaction data of the at least one target account in a storage area;

In specific implementation, according to a plurality of preset collection time points for collecting transaction data, after the collection time points are confirmed to be reached, the transaction data generated by each account in the preset time period before the collection time points are collected, according to the corresponding relation between the preset collection time points and the data storage positions, the data storage positions corresponding to the reached collection time points are confirmed, and the collected transaction data of each account are stored in the storage areas corresponding to the confirmed data storage positions.

Step S1002, obtaining transaction data of at least one target account from a storage area, and respectively determining summary processing rules corresponding to each target account; according to the summarizing rules corresponding to the target accounts, summarizing transaction data of the target accounts respectively to obtain summarizing results corresponding to the target accounts;

The method comprises the steps of determining a plurality of preset summarizing time points for summarizing transaction data, determining at least one data storage position corresponding to the reached summarizing time point according to the corresponding relation between the preset summarizing time points and the data storage position after the fact that the summarizing time points are reached, acquiring transaction data of each account acquired by a data acquisition module from a storage area corresponding to the at least one data storage position, determining summarizing processing rules corresponding to each target account according to the corresponding relation between the pre-stored accounts and the summarizing processing rules, and summarizing the transaction data of each target account according to the summarizing processing rules corresponding to each target account to obtain a summarizing result corresponding to each target account.

Step S1003, respectively determining a resource transfer rule corresponding to each target account, and performing transfer processing on the electronic resource corresponding to each target account according to the summarized result and the resource transfer rule corresponding to each target account;

In the specific implementation, after the arrival of a transfer time point is determined according to a plurality of preset transfer time points for transferring the resources, the resource transfer rule corresponding to each target account is determined according to the corresponding relation between the pre-stored accounts and the resource transfer rule, and the electronic resource corresponding to each target account is transferred according to the summary result corresponding to each target account and the resource transfer rule.

It should be noted that, in the embodiment of the present application, the steps of the data processing method may be performed by an independent physical server, or a cluster or a distributed system formed by a plurality of physical servers.

In addition, the embodiment of the application also provides the electronic device 1100. As shown in fig. 11, includes at least one processor 1101, and a memory 1102 communicatively coupled to the at least one processor, wherein,

The memory 1102 stores instructions executable by the at least one processor 1101, the instructions being executable by the at least one processor 1101 to enable the at least one processor 1101 to perform the data processing method described above.

Having described the data processing system and method of an exemplary embodiment of the present application, next, a computing device according to another exemplary embodiment of the present application is described.

Those skilled in the art will appreciate that the various aspects of the application may be implemented as a system, method, or program product. Accordingly, aspects of the present application may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, micro-code, etc.) or an embodiment combining hardware and software aspects that may be referred to herein collectively as a "circuit," module "or" system.

In some possible embodiments, a computing device according to the application may comprise at least one processing unit, and at least one memory unit. Wherein the storage unit stores program code which, when executed by the processing unit, causes the processing unit to perform the steps in the data processing method according to various exemplary embodiments of the application described in the present specification. For example, the processing unit may perform the flow of the data processing method.

A computing device 1200 according to such an embodiment of the application is described below with reference to fig. 12. The computing device 1200 shown in fig. 12 is merely an example, and should not be taken as limiting the functionality and scope of use of embodiments of the present application.

As shown in fig. 12, the computing apparatus 1200 is in the form of a general purpose computing device. The components of computing device 1200 may include, but are not limited to, at least one processing unit 1201, at least one memory unit 1202, and a bus 1203 that connects the various system components, including the memory unit 1202 and the processing unit 1201.

Bus 1203 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a processor, and a local bus using any of a variety of bus architectures.

The storage unit 1202 may include readable media in the form of volatile memory, such as Random Access Memory (RAM) 1221 and/or cache memory 1222, and may further include Read Only Memory (ROM) 1223.

The storage unit 1202 may also include a program/utility 1225 having a set (at least one) of program modules 1224, such program modules 1224 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment.

The computing apparatus 1200 may also communicate with one or more external devices 1204 (e.g., keyboard, pointing device, etc.), one or more devices that enable a user to interact with the computing apparatus 1200, and/or any devices (e.g., routers, modems, etc.) that enable the computing apparatus 1200 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 1205. Moreover, computing device 1200 may also communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network, such as the Internet, through network adapter 1206. As shown, network adapter 1206 communicates with other modules for computing device 1200 via bus 1203. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with the computing apparatus 1200, including, but not limited to, microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.

The embodiment of the present application also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the data processing method described above.

It will be appreciated by those skilled in the art that embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to the application. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

It will be apparent to those skilled in the art that various modifications and variations can be made to the present application without departing from the spirit or scope of the application. Thus, it is intended that the present application also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.

Claims

1. The data processing system is characterized by comprising a data acquisition module, a summarizing processing module and a resource transfer module;

the system comprises a storage area, a summarizing processing module, a resource transfer module, a data storage module and a data storage module, wherein the storage area is used for storing transaction data of at least one target account, the data storage module is used for storing transaction data of at least one target account, determining summarizing processing rules corresponding to each target account respectively, dividing the target account corresponding to the same summarizing processing rules in the at least one target account into one target account group, summarizing the transaction data of the target account in the corresponding target account group according to the obtained summarizing processing rules of each target account group, and obtaining a summarizing result corresponding to each target account;

The resource transfer module is used for receiving the summarizing result corresponding to at least one target account sent by the summarizing processing module, determining resource transfer rules corresponding to each target account respectively, and carrying out transfer processing on the electronic resources corresponding to each target account according to the summarizing result corresponding to each target account and the resource transfer rules, wherein the resource transfer rules corresponding to each target account have an association relation with the summarizing rules, and different resource transfer rules correspond to different summarizing rules.

2. The data processing system of claim 1, wherein the data processing system further comprises a task master module;

the task master control module is used for sending a first scheduling instruction to the data acquisition module after determining that the acquisition time points arrive according to a plurality of preset acquisition time points for data acquisition;

The data acquisition module is specifically used for receiving the first scheduling instruction and acquiring transaction data generated by each account in a preset time period before the first scheduling instruction is received.

3. The data processing system of claim 2, wherein,

The task master control module is specifically used for determining a data storage position corresponding to the reached acquisition time point according to the corresponding relation between the preset acquisition time point and the data storage position;

The data acquisition module is specifically configured to store the acquired transaction data of each account in a storage area corresponding to a data storage position included in the first scheduling instruction.

4. The data processing system of claim 2, wherein,

The task total control module is also used for determining at least one data storage position corresponding to the reached summary time point according to the corresponding relation between the preset summary time point and the data storage position after determining that the summary time point reaches a plurality of preset time points for data summary;

the summarizing processing module is specifically configured to receive the second scheduling instruction, and obtain transaction data of each account acquired by the data acquisition module from a storage area corresponding to the at least one data storage location.

5. The data processing system of claim 2, wherein,

The task master control module is further used for sending a third scheduling instruction to the resource transfer module after determining that the transfer time points arrive according to a plurality of preset transfer time points for transferring the resources;

The resource transfer module is specifically configured to determine a resource transfer rule corresponding to each account after receiving the third scheduling instruction, and transfer electronic resources corresponding to each account according to the received summary result corresponding to each account and the resource transfer rule, where the summary result corresponds to each account and the summary result corresponds to each account.

6. The data processing system of claim 1, wherein the data acquisition module is specifically configured to:

7. The data processing system of claim 6, wherein the summary processing module is specifically configured to:

8. The data processing system of claim 1, wherein the resource transfer module is specifically configured to:

And respectively determining a resource transfer rule corresponding to each account after determining that the transfer time points arrive according to a plurality of preset transfer time points for transferring the resources, and respectively carrying out transfer processing on the electronic resources corresponding to each account according to the summary result and the resource transfer rule corresponding to each account.

9. The data processing system of claim 1, wherein the data processing system further comprises a rule query module;

the summarizing processing module is specifically configured to send a first query instruction containing an account identifier of the at least one target account to the rule query module, and receive summarizing processing rules corresponding to each target account returned by the rule query module;

The rule query module is specifically configured to receive a first query instruction sent by the summary processing module, determine a summary processing rule corresponding to each target account according to a corresponding relation between a prestored account and the summary processing rule, and return the summary processing rule corresponding to each target account to the summary processing module.

10. The data processing system of claim 9, wherein,

The resource transfer module is specifically configured to send a second query instruction containing an account identifier of the at least one target account to the rule query module, and receive a resource transfer rule corresponding to each target account returned by the rule query module;

the rule query module is specifically configured to receive a second query instruction sent by the resource transfer module, determine a resource transfer rule corresponding to each target account according to a corresponding relation between a pre-stored account and the resource transfer rule, and return the resource transfer rule corresponding to each target account to the resource transfer module.

11. The data processing system of claim 9, wherein the rule query module comprises a control unit and at least one rule service unit;

The control unit is used for receiving a first query instruction sent by the summarizing processing module, determining rule service units corresponding to all target accounts contained in the first query instruction according to the corresponding relation between account types and rule service units, and sending a first notification message for querying summarizing processing rules corresponding to the target accounts to the rule service units corresponding to all target accounts;

And the rule service unit is used for determining the summarization rule corresponding to the target account contained in the first notification message according to the corresponding relation between the prestored account and the summarization rule after receiving the first notification message sent by the control unit, and returning the summarization rule corresponding to the determined target account to the control unit.

12. The data processing system of claim 10, wherein the rule query module comprises a control unit and at least one rule service unit;

The control unit is used for receiving a second query instruction sent by the summarizing processing module, determining rule service units corresponding to all target accounts contained in the second query instruction according to the corresponding relation between account types and the rule service units, and sending second notification messages for querying resource transfer rules corresponding to the target accounts to the rule service units corresponding to all target accounts;

The rule service unit is configured to determine, after receiving the second notification message sent by the control unit, a resource transfer rule corresponding to a target account included in the second notification message according to a correspondence between a pre-stored account and the resource transfer rule, and return the determined resource transfer rule corresponding to the target account to the control unit.

13. The data processing system according to any one of claims 1 to 12, wherein the resource transfer module is specifically configured to:

And determining a resource account to which the electronic resource of the target account needs to be transferred and the number of resources transferred to the resource account according to the resource transfer rule corresponding to the target account for each target account, and transferring the determined number of resources to the corresponding resource account.

14. A method of data processing, the method comprising:

Acquiring transaction data of at least one target account from the storage area, and respectively determining summary processing rules corresponding to each target account; dividing target accounts corresponding to the same summarizing rule in the at least one target account into a target account group, summarizing transaction data of target accounts in the corresponding target account group according to the obtained summarizing rule of each target account group, and obtaining a summarizing result corresponding to each target account;

The method comprises the steps of determining a resource transfer rule corresponding to each target account, and transferring electronic resources corresponding to each target account according to a summary result corresponding to each target account and the resource transfer rule, wherein the resource transfer rule corresponding to each target account has an association relation with the summary processing rule, and different resource transfer rules correspond to different summary processing rules.

15. An electronic device, comprising:

At least one processor, and

A memory communicatively coupled to the at least one processor, wherein,

The memory stores instructions executable by the at least one processor to enable the at least one processor to perform the method of claim 14.