1. A method for returning trading resources in a way which reduces computer's processing resources, the method comprising: in association with an online transaction involving a first trading resource being exchanged for a second trading resource, receiving a request from a first user to have the first trading resource returned to the first user in exchange for the first user returning the second trading resource; acquiring user information of the first user; determining a user rating of the first user based on the acquired user information; determining that a user condition of the first user meets a preset user condition criterion, the determining including at least determining that the user rating is greater than or equal to a preset user rating threshold and determining that the first trading resource requested to be returned is smaller than a credit resource of the first user; and in response to determining that the user condition of the first user meets the preset user condition criterion, returning to the first user the first trading resource prior to the second user receiving the second trading resource that is from the first user.