CN114881627A - Resource processing method, device and equipment - Google Patents

Abstract

The present application provides a resource processing method, device and device, which relate to the field of resource management and are used to implement resource classification management. The resource processing method includes: receiving a target identifier, where the target identifier is used to indicate a target merchant for which a user needs to pay for resources; determining target merchant type information corresponding to the target identifier from multiple pre-stored merchant type information; In the virtual account, a target virtual account corresponding to the target merchant type information is determined, wherein one virtual account is associated with at least one of the plurality of merchant type information, one virtual account is associated with at least one resource, and the multiple virtual accounts are associated with at least one resource. The accounts are all associated with the first entity account; the amount of resources in the target virtual account is updated according to consumption information, and the consumption information is used to indicate the amount of resources paid by the user to the target merchant.

Description

A resource processing method, device and device

technical field

The present application relates to the field of resource management, and in particular to a resource processing method, apparatus and device.

Background technique

Fund classification refers to restricting the use of funds according to needs. Organizations or individuals have the need to classify funds. Moreover, with the continuous development of society, there are more uses of funds, which makes it more difficult for organizations or individuals to manage funds, which makes it urgent to realize the classification of funds. However, there is no corresponding solution on how to realize the classification of funds.

SUMMARY OF THE INVENTION

Embodiments of the present application provide a resource processing method, apparatus, and device, which are used to implement resource classification.

In a first aspect, an embodiment of the present application provides a resource processing method, the method includes: receiving a target identifier, where the target identifier is used to indicate a target merchant for which a user needs to pay for resources; and determining from a plurality of pre-stored merchant type information Target merchant type information corresponding to the target identifier; from a plurality of virtual accounts, determine a target virtual account corresponding to the target merchant type information, wherein one virtual account is associated with at least one of the plurality of merchant type information, A virtual account is associated with at least one resource, and the multiple virtual accounts are associated with the first entity account; according to consumption information, update the number of resources in the target virtual account, and the consumption information is used to instruct the user to pay to The resource quantity of the target merchant.

In the embodiment of the present application, the merchant type information is associated with the target virtual account, so that the resources in the target virtual account can be used in the merchants of the associated merchant type information, which is equivalent to limiting the use scope of the resources in the target virtual account, Thus, the classification of resources is realized. When paying for resources, it can be determined whether the resources in the target virtual account can be used for the merchant currently preparing to pay, so as to accurately realize the classified use of resources. In addition, in this embodiment of the present application, multiple virtual accounts under one entity account can be used to implement resource classification without using multiple entity accounts, and the generation cost of virtual accounts is smaller than that of physical accounts, so there may be Helps to reduce the cost of capital classification.

In a possible implementation manner, before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts, the method further includes: receiving first resource information associated with the first entity account, The first resource information is used to indicate the amount of resources transferred by the first resource provider; according to the first resource information, determine first scene information, and generate the target virtual account associated with the first scene information , the first scene information is used to indicate at least one merchant type that the target virtual account can pay for, and the at least one merchant type includes the target merchant type; based on the first resource information, update the target virtual account The number of resources in the account.

In this embodiment, a method for creating a target virtual account is provided. In this method, when the number of resources transferred by the first resource provider is received, the creation of the target virtual account is triggered, and the user does not need to trigger the creation, User actions are reduced. Moreover, in this manner, at least one merchant type available for the target virtual account can also be automatically determined.

In a possible implementation manner, before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts, the method further includes: receiving first request information, and generating the target virtual account, the The first request information is used to request the creation of a target virtual account; the second scene information is received, and the second scene information is associated with the target virtual account, and the second scene information is used to indicate that the target virtual account can perform At least one merchant type for payment, the at least one merchant type including the target merchant type.

In this embodiment, a method for creating a virtual account is provided. The user can actively create a target virtual account according to requirements, so that the user can flexibly set at least one merchant type available for the target virtual account, which improves the created target virtual account. Account flexibility.

In a possible implementation manner, the method further includes: receiving second resource information, where the second resource information is used to indicate the number of resources transferred by the second resource provider; determining that the second resource provider has the resource transfer authority of the target virtual account, where the resource transfer authority is used to indicate the authority to transfer resources to the target virtual account; according to the second resource information, update the number of resources in the target virtual account .

In this embodiment, when a virtual account (such as a target virtual account) receives a resource, the resource transfer authority of the resource provider of the resource can be verified, so as to avoid the situation of illegal transfer to the virtual account, so as to ensure the integrity of the virtual account. Safety. In addition, the resource transfer authority of the resource provider is verified, and it is also convenient to manage the resource source of the virtual account.

In a possible implementation, each virtual account in the plurality of virtual accounts has a priority, and the priority of the one virtual account is the priority of spending resources; The target virtual account corresponding to the target merchant type information includes: from a plurality of virtual accounts, determining at least one virtual account matching the target merchant type information; Determined as the target virtual account.

In this embodiment, it may be determined that there are multiple virtual accounts based on the target merchant type information. In this case, the priority of the virtual accounts can be used to determine the target virtual account to ensure that the only target virtual account can be finally determined. account. Moreover, this method enables the virtual account with the highest priority to be used first.

In a possible implementation manner, before updating the quantity of resources in the target virtual account according to the consumption information, the method further includes: determining that the quantity of resources paid by the user to the target merchant is less than or equal to a first Quantity, where the first quantity is used to indicate the maximum quantity of resources available in the target virtual account.

In this embodiment, before using the amount of resources in the target virtual account, the target virtual account can be used only when it is determined that the current amount of resources to be paid is less than or equal to the remaining amount of resources in the target virtual account to ensure this transaction can be performed normally.

In a possible implementation manner, the method further includes: determining, according to pre-stored information of at least one user with consumption rights, that the user has consumption rights of the target virtual account, and the consumption rights are used to indicate that the user has the consumption rights of the target virtual account. Permission to pay for resources in the target virtual account.

In this embodiment, it can be verified whether the user has the consumption authority to use the resources in the target virtual account, which avoids the illegal use of the resources in the target virtual account, and ensures the security of the resources in the target virtual account.

In a possible implementation manner, after updating the amount of resources in the target virtual account according to the consumption information, the method further includes: if second request information is received, and determining the amount of resources in the target virtual account is the first threshold, cancel the association between the target virtual account and the first physical account; or, if it is determined that the number of resources in the target virtual account is the first threshold, cancel the target virtual account and the first physical account association.

In this implementation manner, two methods for deregistering the target virtual account are provided. One is that when it is determined that the resource quantity of the target virtual account is the first threshold, the target virtual account can be deregistered. Therefore, the user's intervention is not required to cancel the target virtual account, and user operations are reduced. The other method requires the user to request logout, and the target virtual account can be logged out only when the number of resources in the target virtual account is the first threshold. This avoids the situation that the target virtual account is illegally cancelled, and ensures the security of the target virtual account. In addition, the target virtual account can be cancelled, and the life cycle of the target virtual account can be flexibly managed.

In a second aspect, an embodiment of the present application provides a resource processing device, the device includes: a transceiver module, configured to receive the target identifier, where the target identifier is used to indicate a target merchant to which a user needs to pay for resources; a processing module, configured with determining target merchant type information corresponding to the target identifier from multiple pre-stored merchant type information, and determining a target virtual account corresponding to the target merchant type information from multiple virtual accounts, wherein one virtual account is associated with At least one of the plurality of merchant type information, a virtual account is associated with at least one resource, the plurality of virtual accounts are all associated with the first entity account, and the target virtual account is updated according to the consumption information. The resource quantity, the consumption information is used to indicate the resource quantity paid by the user to the target merchant.

In a possible implementation manner, the sending and receiving module is further configured to, before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts, receive the data associated with the first entity account first resource information, where the first resource information is used to indicate the number of resources transferred by the first resource provider; the processing module is further configured to determine the first scene information according to the first resource information, and generate a the target virtual account associated with the first scene information, where the first scene information is used to indicate at least one merchant type that the target virtual account can pay for, and the at least one merchant type includes the target merchant type; Based on the first resource information, the amount of resources in the target virtual account is updated.

In a possible implementation manner, the transceiver module is further configured to receive the first request information and receive the second scenario before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts information; the processing module is further configured to generate the target virtual account, the first request information is used to request the creation of a target virtual account, and the second scene information is associated with the target virtual account, the second The scene information is used to indicate at least one merchant type information that the target virtual account can make payment for, and the at least one merchant type information includes the target merchant type information.

In a possible implementation manner, the transceiver module is further configured to receive second resource information, where the second resource information is used to indicate the amount of resources transferred by the second resource provider; the processing module is further configured to use After determining that the second resource provider has the resource transfer authority of the target virtual account, the resource transfer authority is used to indicate the authority to transfer resources to the target virtual account, and according to the second resource information , and update the resource quantity in the target virtual account.

In a possible implementation, the processing module is further configured to determine a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, and determine a target merchant type from the plurality of virtual accounts at least one virtual account whose information is matched, and one virtual account with the highest priority in the at least one virtual account is determined as the target virtual account.

In a possible implementation manner, the processing module is further configured to, before updating the resource quantity in the target virtual account according to the consumption information, determine the The user has consumption authority, and the consumption authority is used to indicate the authority to use the resources in the target virtual account to pay.

In a possible implementation, the processing module is further configured to determine that the amount of resources paid by the user to the target merchant is less than or equal to the amount of resources in the target virtual account before updating the amount of resources in the target virtual account according to the consumption information The first quantity, where the first quantity is used to indicate the maximum quantity of resources that can be used in the target virtual account.

In a possible implementation manner, the transceiver module is further configured to receive the second request information after updating the resource quantity in the target virtual account according to the consumption information; the processing module is further configured to determine If the number of resources in the target virtual account is the first threshold, the association between the target virtual account and the first entity account is released.

In a third aspect, an embodiment of the present application provides a resource processing device, including: at least one processor, and a memory communicatively connected to the at least one processor; wherein the memory stores data that can be processed by the at least one processor Executing instructions, the at least one processor implements the method of any one of the first aspects by executing the instructions stored in the memory.

In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, where computer instructions are stored in the computer-readable storage medium, and when the computer instructions are executed on a computer, the computer is made to execute any one of the first aspects. method described in item.

In a fifth aspect, an embodiment of the present application provides a computer program product, including computer instructions, where the computer instructions are used to cause a computer to execute the method according to any one of the foregoing first aspects.

Regarding the beneficial effects of the second to fifth aspects, reference may be made to the content discussed in the foregoing first aspect, which will not be listed here.

Description of drawings

FIG. 1 is a diagram of an application scenario provided by an embodiment of the present application;

FIG. 2 is a flowchart of a resource processing method provided by an embodiment of the present application;

3 is a flowchart of creating a virtual account according to an embodiment of the present application;

4 is a schematic diagram of a virtual account provided by an embodiment of the present application;

5 is another flowchart of creating a virtual account provided by an embodiment of the present application;

6 is a schematic diagram of a virtual account provided by an embodiment of the present application;

FIG. 7 is a flow chart of paying resources in a virtual account according to an embodiment of the present application;

FIG. 8 is a schematic diagram of a virtual account provided by an embodiment of the present application;

FIG. 9 is a schematic diagram of a virtual account provided by an embodiment of the present application;

FIG. 10 is a structural diagram of a resource processing apparatus provided by an embodiment of the present application;

FIG. 11 is a structural diagram of a resource processing device provided by an embodiment of the present application.

Detailed ways

In order to better understand the technical solutions provided by the embodiments of the present application, detailed descriptions will be given below with reference to the accompanying drawings and specific implementation manners.

In order to realize the classification of resources, an embodiment of the present application provides a resource processing method, and the method can be executed by a resource processing apparatus. The resource processing device may be a server, a personal computer, or the like. The server is, for example, a virtual server or a physical server. The following description will be given by taking the resource processing apparatus executing the method as an example.

In the resource processing method in the embodiment of the present application, the resource processing device can associate the merchant type information with the virtual account, thereby limiting the merchant types that can be used by the resources in the virtual account, so that the resources are processed in the resource use stage. classified. Moreover, when the user pays for resources, the resource processing device can verify whether the merchant currently preparing to pay can use the resources in the target virtual account, and can accurately realize the classified use of resources.

Please refer to FIG. 1 , which is an application scenario diagram provided by an embodiment of the present application. As shown in FIG. 1 , the application scenario includes a resource processing apparatus 101 , a first terminal device 102 and a second terminal device 103 .

The resource processing apparatus 101 can communicate with the first terminal device 102 and the second terminal device 103, respectively. For the implementation of the resource processing apparatus 101, reference may be made to the foregoing. Both the first terminal device 102 and the second terminal device 103 can be mobile phones or tablets.

Optionally, the first terminal device 102 and the second terminal device 103 may run application programs. Correspondingly, the resource processing apparatus 101 may be a background server corresponding to the application.

Exemplarily, the first terminal device 102 and the second terminal device 103 may respectively correspond to one user. For example, when a user uses the first terminal device 102 to make payment, the first terminal device 102 can obtain the identifier of the merchant the user is paying for, and send the identifier to the resource processing apparatus 101, and the resource processing apparatus 101 can execute the resource processing method , to generate resource processing results. The specific content of the resource processing performed by the resource processing apparatus 101 will be introduced below.

Please refer to FIG. 2 , which is a flowchart of a resource processing method provided by an embodiment of the present application. FIG. 2 can be applied to the application scenario shown in FIG. 1 . The embodiment shown in FIG. 2 is described by taking a resource processing apparatus executing a resource processing method as an example for description. The resource processing apparatus in the embodiment shown in FIG. 2 is, for example, the resource processing apparatus 101 in FIG. 1 . The first terminal device in the embodiment shown in FIG. 2 is, for example, the first terminal device 102 in FIG. 1 . The first terminal device in the embodiment shown in FIG. 2 is, for example, the second terminal device 103 in FIG. 1 .

S201: The resource processing apparatus receives a target identifier, where the target identifier is used to indicate a target merchant to which a user needs to pay for resources.

For example, when the user uses the first terminal device to make resource payment to the target merchant, the first terminal device acquires the target identifier of the target merchant. For example, the first terminal device reads the two-dimensional code of the target merchant to obtain the target identification of the target merchant, or the first terminal device obtains the target identification according to the user's input. The target identifier is used to indicate the target merchant for which the user needs to pay for the resource. The target identifier is, for example, the business name or the business organization code of the target business.

The first terminal device may send the target identifier to the resource processing apparatus. After the resource processing apparatus receives the target identifier, it is equivalent to determining that the user currently needs to pay resources to the target merchant corresponding to the target identifier.

The resources in the embodiments of the present application may be virtual resources. Virtual resources such as electronic funds or points, etc.

S202: The resource processing apparatus determines target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information.

The resource processing device may pre-store a plurality of merchant type information, and each merchant type information is used to indicate the merchant type. The business type information is, for example, medical care, education, daily necessities, and the like. Each merchant type information is associated with one or more virtual accounts. A virtual account is associated with a certain number of resources. In other words, the resources associated with a virtual account are used for consumption by the merchant corresponding to the merchant type information associated with the virtual account. The virtual account is, for example, the fund pool under the XXX bank card. Each virtual account can be associated with certain available resources, and accordingly, each virtual account is also associated with the number of resources it has.

After the resource processing apparatus receives the target identifier, it can match the target merchant type information corresponding to the target identifier based on the target identifier.

Example 1, when the target identifier is a business name, the resource processing device may perform keyword matching between the target identifier and multiple pre-stored merchant type information, and determine the merchant type information with the highest matching degree with the target identifier as the target merchant type information. For example, if the target identifier is a medical institution A, the resource processing device has the highest matching degree between the target identifier and the pre-stored merchant type information "medical", so the merchant type information corresponding to the target identifier A is determined to be "medical".

Example 2, when the target identifier is the merchant institution code, the resource processing device can determine the merchant type corresponding to the merchant type code from the pre-stored multiple merchant type information by identifying the merchant type code in the merchant institution code, and determine the merchant type. For the target business type information. In this case, the plurality of pre-stored merchant type information may be a merchant type code comparison table. For example, if the target identifier is "XXXXXXX8099XXXX", the merchant type code recognized by the resource device in the merchant institution code is "8099", and "8099" is matched with the pre-stored merchant type code comparison table to determine the merchant corresponding to "8099" The type is "education", so it is determined that the target business type information corresponding to the target identifier is "education".

S203: The resource processing apparatus determines, from the plurality of virtual accounts, a target virtual account corresponding to the target merchant type information.

Since each merchant type information is associated with one or more virtual accounts, after determining the target merchant type information, the resource processing apparatus can determine the target virtual account corresponding to the target merchant type information.

S204, the resource processing apparatus updates the quantity of resources in the target virtual account according to the consumption information.

After determining the target virtual account, the first terminal device can request the resource processing device to pay the resources in the target virtual account to the target merchant. After the payment is successful, the first terminal device can generate consumption information for this payment, and send the consumption information to the target merchant. to the resource handler. The consumption information is used to indicate the amount of resources paid by the target virtual account to the target merchant.

The resource processing device updates the resource quantity in the target virtual account according to the received consumption information. For example, the resource processing apparatus subtracts the resource quantity indicated by the consumption information from the resource quantity in the target virtual account, so as to obtain the updated resource quantity in the target virtual account.

In the embodiment shown in FIG. 2 , the resource processing apparatus may implement the classified use of resources by associating the merchant type information with the virtual account. Moreover, when the user performs a payment operation, the resource processing device can determine that the target merchant type information is associated with the target virtual account, thereby accurately realizing the classified use of resources.

Before the user uses the resources in the target virtual account, the resource processing apparatus needs to create the target virtual account. The following describes an example of how to create the target virtual account.

The first method of creating the target virtual account is that the resource processing apparatus creates the target virtual account according to the first resource information. The first resource information is used to indicate the quantity of resources transferred by the first resource provider.

For example, the user inputs a resource application on the third terminal device of the first resource provider. The third terminal device is, for example, a personal computer or a mobile phone. Wherein, the first resource provider may be a bank or other institution. The third terminal device generates third request information based on the received resource application. The third request information is used to indicate a request of the user to apply for a resource from the first resource provider. The third terminal device sends the request information to the resource processing apparatus. After the resource processing apparatus determines that the verification of the request information is passed, the first resource provider transfers resources to an entity account associated with the user through the third terminal device, which is equivalent to the resource processing apparatus receiving the first resource information. The resource processing apparatus receives the first resource information, and creates a target virtual account.

The first method is equivalent to a virtual account created passively by the user, so the type of the target virtual account created in the first method can be regarded as a passively initiated type by the user.

After creating the target virtual account, the resource processing apparatus stores the resource quantity indicated by the first resource information in the target virtual account, and updates the resource quantity in the target virtual account to the resource quantity indicated by the first resource information.

Since the third terminal device of the first resource provider can associate the first resource information with the first scene information, the resource processing apparatus also receives the first scene information after receiving the first resource information. The first scene information is used to indicate at least one merchant type that the target virtual account can make payment for, and the at least one merchant type includes the target merchant type. The resource processing apparatus may associate the first scene information with the target virtual account after creating the target virtual account according to the first scene information.

For example, the first scenario information is used to indicate a usage scenario of the resource in the target virtual account. Since the first scene information indicates at least one merchant type, after obtaining the first scene information, the resource processing apparatus can also determine at least one merchant type information associated with the target virtual account from a plurality of pre-stored merchant type information . The at least one merchant type information is also associated with the first scene information.

Taking the first resource provider as an organization corresponding to the resource processing device as an example, and taking the resource as funds as an example, the process of creating a target virtual account by adopting method 1 will be described as an example.

Please refer to FIG. 3 , which is a flowchart of creating a virtual account according to an embodiment of the present application.

S301, the resource processing apparatus receives third request information.

Exemplarily, the user inputs information for applying for funds on the third terminal device. For example, if the user needs to apply for a loan for purchasing a car, the user can apply for a car loan in the third terminal device. The third terminal device generates third request information based on the information, and sends the third request information to the resource processing apparatus. For the meaning of the third request information, reference may be made to the foregoing. Optionally, the third request information further includes the user's identity information and entity account information.

S302, the resource processing apparatus determines that the verification of the third request information is passed.

The resource processing apparatus verifies that the user is qualified to apply for funds, and after the verification is passed, the resource processing apparatus transfers funds to the physical account of the user through the third terminal device.

S303, the resource processing apparatus receives the first resource information, and creates a target virtual account.

In FIG. 3 , the first resource information specifically includes the amount of funds transferred by the first resource provider.

Optionally, the resource processing apparatus may further determine that the fund is transferred from the first resource provider. The first resource provider is, for example, a bank.

S304: The resource processing apparatus updates the amount of funds in the target virtual account according to the first resource information.

The resource processing device deposits the transferred funds into the virtual account, and updates the amount of funds in the target virtual account.

S305, the resource processing apparatus receives the first scene information, and associates the first scene information with the target virtual account.

For the source and meaning of the first scene information, please refer to the foregoing.

In a possible implementation manner, the first scene information is also associated with merchant type information of a merchant type that is prohibited from being used, which is referred to herein as prohibited merchant type information for ease of distinction. Based on the prohibited merchant type information, the resource processing apparatus uses the merchant type information other than the prohibited merchant type information among the plurality of merchant type information as at least one merchant type information associated with the target virtual account.

In the second method of creating the target virtual account, the resource processing apparatus receives the first request information and generates the target virtual account. The first request information is used to request to create a target virtual account.

For example, the user inputs information for applying to create a target virtual account on the first terminal device. The first terminal device generates first request information based on the information, and sends the first request information to the resource processing apparatus, and the resource processing apparatus receives the first request information and generates a target virtual account.

The second method is equivalent to the user actively requesting the creation of the target virtual account, so the type of the target virtual account created in the second method can be regarded as the type initiated by the user.

In a possible implementation, the user can also input second scene information on the first terminal device, where the second scene information is used to indicate at least one merchant type that the target virtual account can make payment for, the meaning of at least one merchant type, etc. Can refer to the previous article. The first terminal device sends the second scene information to the resource processing apparatus, and accordingly, the resource processing apparatus receives the second scene information, and associates the second scene information with the target virtual account.

In the above-mentioned method 2, after the target virtual account is created, the target virtual account has not yet associated resources, and no associated resources can be understood as zero resources in the target virtual account. In a possible implementation manner, the resource processing apparatus may determine the resource quantity of the target virtual account according to the resources transferred by the second resource provider.

Specifically, the second resource provider transfers resources to the resource processing apparatus through the second terminal equipment, which is equivalent to the second terminal equipment sending the second resource information to the resource processing apparatus, and the resource processing apparatus receives the second resource information, and according to the second Resource information, update the number of resources in the target virtual account to the number of resources after the transferred resources. The second resource information is used to indicate the amount of resources transferred by the second resource provider.

In a possible implementation manner, before receiving the second resource information, the resource processing apparatus may further verify the resource transfer authority of the second resource provider.

The resource processing apparatus may pre-store resource transfer authority information, and the resource processing apparatus may determine whether the second resource provider has the resource transfer authority according to the resource transfer authority information. The resource transfer authority information is used to indicate at least one user who has the authority to transfer resources to the target virtual account. The resource transfer right information may be received by the resource processing apparatus from a device associated with at least one resource provider. Or, it is determined according to the user's input information. If the second resource provider has the resource transfer authority, the second resource information is received. If the second resource provider does not have the resource transfer authority, then refuse to update the resource in the target virtual account.

Wherein, the resource transfer permission information may be represented by the identity information of at least one resource provider. The identity information of the resource provider, such as name, ID number or phone number, etc.

In a possible implementation, the second scene information may be associated with prohibited merchant type information, and the meaning of the prohibited merchant type information can be referred to above.

Regardless of whether the target virtual account is created by the first method or the second method, after the target virtual account is generated, the resource processing apparatus may also associate the consumption authority of the target virtual account. The consumption right is used to indicate the right to use the resources in the target virtual account to pay.

Specifically, the resource processing apparatus associates the consumption authority of the target virtual account according to the received consumption authority information. The consumption authority information may be the identity information of at least one resource provider, for example, the identity information of the resource provider, such as name, ID number or telephone number, and the like. The consumption authority information may be received by the resource processing apparatus from a device associated with at least one resource provider. Or, it is determined according to the user's input information.

In a possible implementation manner, regardless of whether the first method or the second method is used to create the target virtual account, the resource processing apparatus may associate the target virtual account with the attribute information of the target virtual account. The attribute information includes but is not limited to the name, type, serial number and opening time of the target virtual account. The attribute information may be received by the resource processing apparatus from the first terminal device or the third terminal device, or determined by the resource processing apparatus itself.

The name of the target virtual account may be the content indicated by the first scene information or the second scene information. The type of the target virtual account is used to indicate that the target virtual account is a user-initiated type or a user-initiated type. The serial number of the target virtual account is used to indicate the unique serial number under the entity account, for example, it can be determined according to the order in which the target virtual account is created under the entity account. The opening time of the target virtual account is the date on which the target virtual account was created.

Please refer to FIG. 4 , which is a schematic diagram of a virtual account according to an embodiment of the present application. As shown in Figure 4, the virtual account includes XX loan fund pool and medical health fund pool. Each fund pool has corresponding fund quantity and attribute information. The number of funds in the XX loan fund pool is X, XXX, XXX.XX, and the specific opening time of the XX loan fund pool is 2013/07/16. The number of funds in the medical and health fund pool is XXX.XX, and the specific opening time of the medical and health fund pool is 2013/08/03.

Taking resources as funds as an example, the following example introduces the process of creating a target virtual account using method 2. Please refer to FIG. 5 , which is another flowchart of creating a virtual account according to an embodiment of the present application.

S501, the resource processing apparatus receives first request information.

For the meaning of the first request information and the content of the first request information received by the resource processing apparatus, reference may be made to the foregoing. For example, the first request information here is specifically used for a request to create a target virtual account under an entity account. The entity account is associated with multiple users, that is, multiple users can use the resources in the entity account.

S502, the resource processing apparatus generates a target virtual account based on the first request information.

Since the target virtual account is associated with the physical account, and the physical account is associated with multiple users, the resource processing apparatus can determine, according to the user's setting operation, that the multiple users have the consumption authority of the target virtual account.

S503, the resource processing apparatus receives the second scene information, and associates the second scene information with the target virtual account.

The user inputs the second scene information on the first terminal device, and the meaning and determination method of the second scene information may refer to the foregoing. The first terminal device sends the second scene information to the resource processing apparatus.

S504, the resource processing apparatus receives the resource transfer authority information, and associates the resource transfer authority information with the target virtual account.

For the meaning of the resource transfer permission information, please refer to the previous section.

S505, the resource processing apparatus receives the second resource information, and updates the amount of funds in the target virtual account.

The second resource information is used to indicate the amount of funds transferred by the second resource provider.

The resource processing device updates the amount of funds in the target virtual account to the received amount of funds according to the second resource information. Please refer to FIG. 6 , which is a schematic diagram of a virtual account provided by an embodiment of the present application. As shown in Figure 6, a family account (ie, an entity account) is associated with multiple fund pools, specifically the parent support fund pool, the family wealth management fund pool, the family living expenses fund pool, the medical and health fund pool, and the education fund fund pool.

After the target virtual account is created and the number of resources is associated, the target virtual account can be used for payment operations. During the payment operation, since there may be multiple virtual accounts matching the target merchant type information matching the target identifier, in this embodiment of the present application, the resource processing apparatus may also determine the target virtual account according to the priority of the virtual account . Each virtual account has a priority, which is the order priority in which the virtual account pays resources.

Specifically, when determining multiple virtual accounts, the resource processing apparatus determines the virtual account with the highest priority as the target virtual account. After the resource processing device determines the target virtual account, it needs to pay the target merchant for resources.

Please refer to FIG. 7 , which is a flowchart of a payment for resources in a virtual account provided by an embodiment of the present application.

S701, the resource processing apparatus determines that the user has the consumption authority of the target virtual account.

Specifically, the resource processing apparatus identifies the identity information of the user through the second terminal device, matches the identified identity information with the pre-stored consumption authority information, and if it is determined that the user has consumption authority, executes S702, that is, the resource processing apparatus determines Whether the number of resources is less than or equal to the first number of the target virtual account; if it is determined that the user does not have the consumption authority, S705 is executed, and the resource processing apparatus interrupts the payment operation.

Specifically, the second terminal device sends to the resource processing apparatus the resource quantity information that the target virtual account needs to pay to the target merchant, where the resource quantity information is used to indicate the resource quantity that needs to be paid to the target merchant. The resource processing apparatus determines whether the resource quantity is less than or equal to the first quantity according to the received resource quantity information. The first quantity is the maximum quantity of resources available in the target virtual account. If it is determined that the resource quantity is less than or equal to the first quantity, execute S704, that is, determine that the payment is successful; if it is determined that the resource quantity is greater than the first quantity, execute S703, that is, determine whether the resource quantity is less than or equal to the second quantity of the entity account. The second amount is the maximum amount of resources that can be used in the entity account. If it is determined that the amount of resources is less than or equal to the second amount, the second terminal device uses the resources in the entity account to pay the target merchant; if it is determined that the amount of resources is greater than the second amount, S705 is performed, and the content of S705 can be referred to above.

It should be noted that, S703 is an optional step. For example, when the resource processing apparatus determines that the resource quantity is greater than the first quantity, the step of S705 may be directly executed.

In a possible implementation manner, after updating the resource quantity in the target virtual account according to the consumption information, the resource processing apparatus may further record the consumption information in the target virtual account and the physical account. The consumption information is used to indicate the amount of resources paid by the user to the target merchant.

Specifically, after the user completes the payment operation through the second terminal device, the second terminal device sends the consumption information to the resource processing apparatus, and the resource processing apparatus records the received consumption information under the target virtual account. The resource processing device updates the resource quantity of the target virtual account according to the consumption information, which is also equivalent to determining the remaining available resource quantity of the target virtual account, which may also be referred to as the balance. Optionally, the resource processing apparatus may also generate usage details of the current consumption according to the consumption information.

The resource processing apparatus sends the balance and usage details of the target virtual account to the second terminal device, so that the user can view the balance and usage details of the target virtual account from the second terminal device and other terminal devices. The other terminal device is, for example, a terminal corresponding to a user having the consumption right of the target virtual account.

Please refer to FIG. 8 , which is a schematic diagram of a virtual account provided by an embodiment of the present application. FIG. 8 can also be understood as a schematic diagram of the usage details of a target virtual account. As shown in Figure 8, the usage details of the family living expenses fund pool are included. The usage details specifically include the payment record of the family living expense fund pool, and the expenditure record of each family member (also referred to as family dynamics). Among them, the payment records of the family living expenses fund pool include: XXX.XX paid to XXX Water Company on 2013/08/30, and XXX.XX paid to XXX Power Supply Bureau on 2013/09/01. Family dynamics include family member 2 spending a medical bill on 2013/09/03, family member 2 spending an electricity bill on 2013/09/01, and family member 1 spending a water bill on 2013/08/30.

Please refer to FIG. 9 , which is a schematic diagram of a virtual account provided by an embodiment of the present application. FIG. 9 can also be understood as a schematic diagram of the usage details of a target virtual account. As shown in Figure 9, the resources of the target virtual account are used for family payment, and Figure 9 shows the usage details of family payment. Among them, the details of the use of household payment are displayed in a pie chart, which shows that the amount of funds consumed by living payment, medical payment and investment and wealth management are XXX.XX, XXX.XX, XXXX.XX respectively. The usage details of household payment are also displayed in a bar chart, the horizontal axis of the bar chart is the month, and the vertical axis is the amount of funds consumed by household payment. The bar chart shows the amount of funds consumed by living contributions from January to May.

In a possible implementation manner, the target virtual account physical card may also be associated with a physical medium, such as a physical card. The physical medium can only drive the resources in the target virtual account, and the properties of the physical card are consistent with the target virtual account.

In a possible implementation manner, after the target virtual account is created, if the user does not want to use the target virtual account, the resource processing apparatus may cancel the target virtual account, and the cancellation of the target virtual account may be understood as releasing the target virtual account from the first entity The association of accounts can be realized by deleting the information of the target virtual account. The following describes how to cancel.

In the first method of cancellation, the resource processing apparatus may determine to cancel the target virtual account when detecting that the number of resources in the target virtual account is the first threshold.

The first method of logout is applicable to the situation where the target virtual account is a passively initiated type by the user.

In the second method of cancellation, if the resource processing apparatus receives the second request information and determines that the number of resources in the target virtual account is the first threshold, it determines to cancel the target virtual account. The second request information is used to indicate a request by the user to actively release the association between the target virtual account and the first entity account.

For example, the user inputs information for applying for deregistration of the target virtual account on the first terminal device, the first terminal device generates second request information based on the information, and sends the second request information to the resource processing apparatus. After receiving the second request information, the resource processing apparatus determines whether the number of resources in the target virtual account is the first threshold. If it is determined that the number of resources in the target virtual account is the first threshold, the target virtual account is deregistered. If the number of resources in the target virtual account is not the first threshold, the resource processing apparatus sends prompt information to the first terminal device, where the prompt information is used to indicate that the user cannot currently log out, and cancels the operation of canceling the target virtual account.

The second cancellation method may be applicable to the situation where the target virtual account is the type initiated by the user.

The embodiment of the present application further provides a resource processing apparatus, and the resource processing apparatus can implement the functions of the resource processing apparatus in FIG. 2 . Please refer to FIG. 10 , which is a structural diagram of a resource processing apparatus according to an embodiment of the present application. The resource processing apparatus 1001 includes a transceiver module 1002 and a processing module 1003 .

For example, the transceiver module 1002 is used to receive a target identifier, the target identifier is used to indicate the target merchant for which the user needs to pay for resources; it is also used to receive consumption information, and the consumption information is used to indicate the amount of resources that the user pays to the target merchant. The processing module 1003 is used to determine the target merchant type information corresponding to the target identifier; it is also used to determine the target virtual account corresponding to the target merchant type from multiple virtual accounts; wherein, one virtual account is associated with a plurality of merchant type information. At least one, one virtual account is associated with at least one resource, and multiple virtual accounts are associated with the first entity account; it is also used for updating the resource quantity in the target virtual account according to the consumption information.

In a possible implementation manner, the transceiver module 1002 is further configured to receive the first resource information associated with the first entity account before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts, The first resource information is used to indicate the number of resources transferred by the first resource provider; the processing module 1003 is further configured to determine the first scene information according to the first resource information, and generate a target virtual account associated with the first scene information, The first scene information is used to indicate at least one merchant type that the target virtual account can pay for, and the at least one merchant type includes the target merchant type; based on the first resource information, the resource quantity in the target virtual account is updated.

In a possible implementation manner, the transceiver module 1002 is further configured to receive the first request information and receive the second scene information before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts; processing Module 1003 is further configured to generate a target virtual account, the first request information is used to request the creation of a target virtual account, and the second scene information is associated with the target virtual account, and the second scene information is used to indicate that the target virtual account can pay at least the One piece of business type information, at least one piece of business type information includes target business type information.

In a possible implementation manner, the transceiver module 1002 is further configured to receive second resource information, where the second resource information is used to indicate the amount of resources transferred by the second resource provider; the processing module 1003 is further configured to determine the second resource The resource provider has the resource transfer authority of the target virtual account, and the resource transfer authority is used to indicate the authority to transfer resources to the target virtual account, and update the number of resources in the target virtual account according to the second resource information.

In a possible implementation, the processing module 1003 is further configured to determine a target virtual account corresponding to the target merchant type information from multiple virtual accounts, and determine, from the multiple virtual accounts, the target merchant type information that matches the target merchant type information. at least one virtual account, and a virtual account with the highest priority among the at least one virtual account is determined as the target virtual account.

In a possible implementation, the processing module 1003 is further configured to, before updating the resource quantity in the target virtual account according to the consumption information, determine that the user has consumption authority according to the pre-stored information of at least one user with consumption authority, The consumption right is used to indicate the right to use the resources in the target virtual account to pay.

In a possible implementation, the processing module 1003 is further configured to determine that the amount of resources paid by the user to the target merchant is less than or equal to the first amount, before updating the amount of resources in the target virtual account according to the consumption information Used to indicate the maximum amount of resources that can be used in the target virtual account.

In a possible implementation, the transceiver module 1002 is further configured to receive the second request information after updating the quantity of resources in the target virtual account according to the consumption information; the processing module 1003 is further configured to determine the number of resources in the target virtual account. If the number of resources is the first threshold, the association between the target virtual account and the first entity account is released.

An embodiment of the present application provides a resource processing device. Please refer to FIG. 11 , which is a structural diagram of a resource processing device provided by an embodiment of the present application.

The resource processing device 1101 includes: at least one processor 1102 , and a memory 1103 communicatively connected to the at least one processor 1102 .

Exemplarily, the memory 1103 stores instructions that can be executed by at least one processor 1102 , and the at least one processor 1102 implements the method described in any one of the resource processing methods shown in FIG. 2 by executing the instructions stored in the memory 1103 .

As an embodiment, the processing module 1003 in the resource processing apparatus 1001 described above may be implemented by the processor 1102 in this embodiment of the present application.

It should be noted that, in FIG. 11 , one processor 1102 is set as an example, but the number of processors 1102 is not actually limited.

Embodiments of the present application provide a computer-readable storage medium, where computer instructions are stored in the computer-readable storage medium, and when the computer instructions are executed on the computer, the computer is made to execute any one of the resource processing methods shown in FIG. 2 . method described.

An embodiment of the present application provides a computer program product, which includes computer instructions, and the computer instructions are used to cause a computer to execute the method described in any one of the resource processing methods shown in FIG. 2 .

As will be appreciated by those skilled in the art, the embodiments of the present application may be provided as a method, a system, or a 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, etc.) 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 present application. It will be understood that each flow and/or block in 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 the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.

These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions The apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

These computer program instructions can also be loaded on a computer or other programmable data processing device to cause a series of operational steps to be performed on the computer or other programmable device to produce a computer-implemented process such that The instructions provide steps for implementing the functions specified in the flow or blocks of the flowcharts and/or the block or blocks of the block diagrams.

Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims (12)

1. A method for processing resources, comprising:

receiving a target identification, wherein the target identification is used for indicating a target merchant of a resource to be paid by a user;

determining target merchant type information corresponding to the target identification from a plurality of pre-stored merchant type information;

determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, wherein one virtual account is associated with at least one of the plurality of merchant type information, one virtual account is associated with at least one resource, and the plurality of virtual accounts are associated with a first entity account;

and updating the resource quantity in the target virtual account according to consumption information, wherein the consumption information is used for indicating the resource quantity paid to the target merchant by the user.

2. The method of claim 1, wherein prior to determining a target virtual account from the plurality of virtual accounts corresponding to the target merchant type information, the method further comprises:

receiving first resource information associated with the first entity account, wherein the first resource information is used for indicating the amount of resources transferred by a first resource provider;

determining first scenario information according to the first resource information, and generating the target virtual account associated with the first scenario information, wherein the first scenario information is used for indicating at least one merchant type which can be paid by the target virtual account, and the at least one merchant type comprises the target merchant type;

updating the amount of resources in the target virtual account based on the first resource information.

3. The method of claim 1, wherein prior to determining a target virtual account from the plurality of virtual accounts corresponding to the target merchant type information, the method further comprises:

receiving first request information and generating the target virtual account, wherein the first request information is used for requesting to create the target virtual account;

receiving second scenario information, and associating the second scenario information with the target virtual account, where the second scenario information is used to indicate at least one merchant type that the target virtual account can make payment, and the at least one merchant type includes the target merchant type.

4. The method of claim 1, further comprising:

receiving second resource information, wherein the second resource information is used for indicating the number of the resources transferred by a second resource provider;

determining that the second resource provider has a resource transfer authority of the target virtual account, wherein the resource transfer authority is used for indicating the authority for transferring resources to the target virtual account;

and updating the resource quantity in the target virtual account according to the second resource information.

5. The method of claim 1, wherein each of the plurality of virtual accounts has a priority, and wherein the priority of the one virtual account is a priority of paying out resources;

determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, including:

determining at least one virtual account matching the target merchant type information from the plurality of virtual accounts;

determining the highest priority virtual account of the at least one virtual account as the target virtual account.

6. The method of any of claims 1-5, wherein prior to updating the amount of resources in the target virtual account based on the consumption information, the method further comprises:

and determining that the user has consumption authority according to the pre-stored information of at least one user with consumption authority, wherein the consumption authority is used for indicating that the user has the authority of using the resources in the target virtual account to pay.

7. The method of claim 1, wherein prior to updating the amount of resources in the target virtual account based on the consumption information, the method further comprises:

determining that the amount of resources paid by the user to the target merchant is less than or equal to a first amount, the first amount indicating a maximum amount of resources available in the target virtual account.

8. The method of any of claims 1-5, wherein after updating the amount of resources in the target virtual account based on the consumption information, the method further comprises:

if second request information is received and the number of the resources in the target virtual account is determined to be a first threshold value, releasing the association between the target virtual account and the first entity account, wherein the second request information is used for requesting to delete the target virtual account; or,

and if the resource quantity in the target virtual account is determined to be a first threshold value, removing the association between the target virtual account and the first entity account.

9. A resource processing apparatus, comprising:

the receiving and sending module is used for receiving the target identification, and the target identification is used for indicating a target merchant of the resource which needs to be paid by the user;

the processing module is used for determining the target merchant type information corresponding to the target identification from a plurality of pre-stored merchant type information and determining the target virtual account corresponding to the target merchant type from a plurality of virtual accounts; wherein one virtual account is associated with at least one of the plurality of merchant type information, one virtual account is associated with at least one resource, the plurality of virtual accounts are all associated with a first entity account, and the resource quantity in the target virtual account is updated according to the consumption information, and the consumption information is used for indicating the resource quantity paid by the user to the target merchant.

10. A resource processing 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, the at least one processor implementing the method of any one of claims 1-8 by executing the instructions stored by the memory.

11. A computer-readable storage medium having stored thereon computer instructions which, when executed on a computer, cause the computer to perform the method of any one of claims 1-8.

12. A computer program product comprising computer instructions for causing a computer to perform the method of any one of claims 1 to 8.

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