Resource processing method, apparatus, device, and medium

Abstract

The application discloses a resource processing method, device, equipment and medium. The resource processing method comprises the following steps: first, receiving a resource application request sent by an application platform, wherein the resource application request comprises user information of a user; then, in the case that the user information meets preset audit conditions, sending an account application request to a credit service platform, wherein the account application request comprises the user information and special resource attribute information, and the special account is used for storing resources corresponding to the special resource attribute information; then, receiving first feedback information sent by the credit service platform for the account application request, wherein the first feedback information comprises account information of the special account; and sending the account information of the special account to the application platform, wherein special credit resources in the special account are used for paying a target order related to the special resource attribute information. According to the embodiment of the application, the resource transfer efficiency can be improved, and the payment experience of the user can be improved.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a resource processing method, apparatus, device, and medium. Background Art

[0002] With the rapid development of the Internet economy, relevant departments have adopted the model of online issuance of training vouchers to strengthen subsidies for technical personnel's skills training in order to improve the efficiency of skills training.

[0003] At present, there are still some problems with the online distribution of training vouchers. First, trainees need to go to the training institution offline to pay fees and verify the training vouchers, which increases the time, transportation and other costs of the trainees; second, trainees need to use their own funds to pay fees first, and some trainees are unable to complete the payment training. Summary of the Invention

[0004] The embodiments of the present application provide a resource processing method, apparatus, device, and medium that can improve resource transfer efficiency to enhance the user's payment experience.

[0005] In a first aspect, an embodiment of the present application provides a resource processing method, which is applied to a service platform. The resource processing method may include:

[0006] Receiving a resource application request sent by an application platform, where the application platform is a platform corresponding to an application program that receives user input, and the resource application request includes user information;

[0007] If it is detected that the user information meets the preset review conditions, an account application request is sent to the credit service platform. The account application request includes user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information;

[0008] receiving first feedback information sent by the credit service platform in response to the account application request, the first feedback information including account information of the special account;

[0009] The account information of the special account is sent to the application platform, and the special credit resources in the special account are used to pay the target orders related to the special resource attribute information.

[0010] In a second aspect, an embodiment of the present application provides a resource processing method, which is applied to a credit service platform. The resource processing method may include:

[0011] Receive an account application request sent by the service platform, which includes user information and special resource attribute information;

[0012] Determine the user's special account based on the user information and special resource attribute information, and the special account is used to store resources corresponding to the special resource attribute information;

[0013] The first feedback information is sent to the service platform, where the first feedback information includes account information of the special account.

[0014] In a third aspect, an embodiment of the present application provides a resource processing method, which is applied to an application platform. The resource processing method may include:

[0015] receiving a first input of a resource application from a user;

[0016] In response to the first input, a resource application request is sent to the service platform, the resource application request including user information of the user, the resource application request being used to apply for a special account for paying a target order, the target order being related to special resource attribute information of the service platform;

[0017] Receive the account information of the special account sent by the service platform. The special account includes special credit resources, and the special credit resources are used to pay the target order.

[0018] Fourthly, an embodiment of the present application provides a resource processing method, which is applied to a government service platform. The resource processing method may include:

[0019] Receive a review request sent by the service platform, the review request including the user's user information;

[0020] Review the user's user information according to the preset review conditions and obtain the result information of the resource application corresponding to the user information;

[0021] The audit feedback information is sent to the service platform. The audit feedback information includes the result information of the resource application corresponding to the user information being reviewed and approved. The result information is used to indicate that the user information meets the preset review conditions.

[0022] In a fifth aspect, an embodiment of the present application provides a resource processing device, which is applied to a service platform. The resource processing device may include: a receiving module, configured to receive a resource application request sent by an application platform, where the application platform is a platform corresponding to an application program that receives user input, and the resource application request includes user information;

[0023] A sending module is configured to send an account application request to the credit service platform when it is detected that the user information meets the preset review conditions. The account application request includes the user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information.

[0024] The receiving module is further configured to receive first feedback information sent by the credit service platform in response to the account application request, wherein the first feedback information includes account information of the special account;

[0025] The sending module is further used to send the account information of the special account to the application platform, and the special credit resources in the special account are used to pay the target order related to the special resource attribute information.

[0026] In a sixth aspect, an embodiment of the present application provides a resource processing device, which is applied to a credit service platform. The resource processing device may include:

[0027] A receiving module, configured to receive an account application request sent by the service platform, the account application request including user information and special resource attribute information;

[0028] A processing module, configured to determine a user's special account based on user information and special resource attribute information, wherein the special account is used to store resources corresponding to the special resource attribute information;

[0029] The sending module is used to send first feedback information to the service platform, where the first feedback information includes account information of the special account.

[0030] In a seventh aspect, an embodiment of the present application provides a resource processing device, which is applied to an application platform. The resource processing device may include:

[0031] A receiving module, configured to receive a first input of a user regarding a resource application;

[0032] a sending module configured to send a resource application request to the service platform in response to the first input, the resource application request including user information of the user, the resource application request being used to apply for a special account for paying a target order, the target order being related to special resource attribute information of the service platform;

[0033] The receiving module is further used to receive account information of a special account sent by the service platform. The special account includes special credit resources, and the special credit resources are used to pay for the target order.

[0034] In an eighth aspect, an embodiment of the present application provides a resource processing device, which is applied to a government service platform. The resource processing device may include:

[0035] A receiving module, configured to receive a review request sent by the service platform, the review request including user information of the user;

[0036] The review module is used to review the user's user information according to the preset review conditions and obtain the result information of the resource application corresponding to the user information;

[0037] The sending module is used to send review feedback information to the service platform. The review feedback information includes the result information of the resource application corresponding to the user information being reviewed and approved. The result information is used to indicate that the user information meets the preset review conditions.

[0038] In a ninth aspect, an embodiment of the present application provides a server based on a service platform, comprising:

[0039] a processor and a memory storing computer program instructions;

[0040] When the processor executes the computer program instructions, the resource processing method shown in the first aspect is implemented.

[0041] In a tenth aspect, an embodiment of the present application provides a server based on a credit service platform, comprising:

[0042] a processor and a memory storing computer program instructions;

[0043] When the processor executes the computer program instructions, the resource processing method shown in the second aspect is implemented.

[0044] In an eleventh aspect, an embodiment of the present application provides a resource processing device, including:

[0045] a processor and a memory storing computer program instructions;

[0046] When the processor executes the computer program instructions, the resource processing method shown in the third aspect is implemented.

[0047] In a twelfth aspect, an embodiment of the present application provides a server based on a government service platform, including:

[0048] a processor and a memory storing computer program instructions;

[0049] When the processor executes the computer program instructions, the resource processing method shown in the fourth aspect is implemented.

[0050] In a thirteenth aspect, an embodiment of the present application provides a resource processing system, which may include:

[0051] A server based on a service platform as shown in the ninth aspect, a server based on a credit service platform as shown in the tenth aspect, a resource processing device as shown in the eleventh aspect, and a server based on a government service platform as shown in the twelfth aspect.

[0052] In the fourteenth aspect, an embodiment of the present application provides a computer-readable storage medium, on which computer program instructions are stored. When the computer program instructions are executed by a processor, the resource processing method shown in the first aspect, the second aspect, the third aspect or the fourth aspect is implemented.

[0053] The resource processing method, apparatus, equipment and medium of the embodiments of the present application pay for target orders related to special resource attribute information by applying for a special account and special credit resources in the special account. In this way, the special credit account and special credit resources replace the user's own resources, which improves the efficiency of resource transfer while avoiding the user's inability to complete the payment training due to the inability to advance payment with their own funds. Through online resource transfer, the process of users paying fees and verifying training vouchers offline at training institutions can be reduced, thereby improving the user's payment experience. In addition, the special credit resources in the special account are used for specific purposes, which is conducive to the continuous and effective tracking and optimization of special credit resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0054] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0055] Figure 1 This is a schematic diagram of the system architecture of an embodiment of resource processing provided by this application;

[0056] Figure 2 This is a schematic diagram of the system architecture of another embodiment of resource processing provided by this application;

[0057] Figure 3 This is a flow chart of an embodiment of a resource processing method applied to a service platform according to the resource processing method provided by the present application;

[0058] Figure 4 This is a flow chart of an embodiment of a resource processing method provided by the present application, which is applied to a credit service platform;

[0059] Figure 5 This is a flow chart of an embodiment of a resource processing method applied to an application platform according to the resource processing method provided by the present application;

[0060] Figure 6 This is a flow chart of an embodiment of a resource processing method applied to a government service platform according to the resource processing method provided by this application;

[0061] Figure 7 This is a schematic diagram of an interactive process of an embodiment of a resource processing method provided by the present application;

[0062] Figure 8 This is a structural diagram of a resource processing device applied to a service platform according to the resource processing method provided by this application;

[0063] Figure 9 This is a structural diagram of a resource processing device applied to a credit service platform according to the resource processing method provided by this application;

[0064] Figure 10 This is a structural diagram of a resource processing device applied to an application platform according to the resource processing method provided by this application;

[0065] Figure 11 This is a structural diagram of a resource processing device applied to a government service platform according to the resource processing method provided by this application;

[0066] Figure 12 This is a schematic diagram of the hardware structure of a computing device according to the resource processing method provided in this application. DETAILED DESCRIPTION

[0067] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only configured to explain the present application and are not configured to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating the examples of the present application.

[0068] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, an element defined by the phrase "comprising..." does not exclude the presence of additional identical elements in the process, method, article, or device comprising the element.

[0069] Based on this, the following Figure 1 , the resource processing method provided in the embodiment of the present application is described in detail through specific embodiments and their application scenarios.

[0070] An embodiment of the present application provides a resource processing architecture, which includes a server 10 of a service platform, a server 20 of a credit service platform, a resource processing device 30 and a server 40 of a government service platform.

[0071] Here, the service platform's server 10 can establish communication connections with the credit service platform's server 20, resource processing device 30, and government service platform's server 40, respectively. When the government service platform's server 40 determines that a user meets the requirements for applying for a special account, it can apply to the credit service platform's server 20 for a special account and the special credit resources within the special account based on a resource application request received from the resource processing device 30. The special credit resources are used to pay for a target order associated with the attribute information of the special resources. Furthermore, when the user completes skills training and / or the credit service platform's server 20 pays for the target order, it can notify the government service platform's server 40 to transfer the special resources to the special account, allowing the credit service platform to deduct order-related resources from the special account within its preset permissions based on the special resources. The government service platform's server 40 can determine whether the user meets the requirements for applying for a special account based on the review request sent by the service platform's server 10, and if the user meets the requirements for applying for a special account, approve the amount of special resources in the special account. The government service platform's server 40 can include a skills and government review platform and / or a skills and government subsidy distribution platform. The server 20 of the credit service platform can be a bank platform, a third-party resource and / or an account issuance platform. The resource processing device 30 can be an electronic device running an application platform, or a server running an application platform, such as Figure 1 As shown, the resource processing device 30 is described by taking an electronic device running an application platform as an example.

[0072] Based on this, the user can receive the first input of the user selecting resource application through the application platform running on the resource processing device 30. In response to the first input, the resource processing device 30 sends a resource application request to the server 10 based on the service platform, and the resource application request includes the user's user information.

[0073] Based on the resource application request received from the application platform in resource processing device 30, service platform server 10 sends a review request to the government service platform. The review request is used to request the review results of the resource application corresponding to the user information. Upon receiving review feedback information from government service platform server 40 indicating that the user information meets the preset review conditions, service platform server 10 sends an account application request to the credit service platform of credit service platform server 20. The account application request includes the user's user information and specific resource attribute information, which can be understood as the application area of ​​the specific resource, such as the attribute information of the resource used when paying skill A or the attribute information of the resource used when paying skill B. The account application request is used to apply for a specific account corresponding to the user, such as the user's second-class account or third-class account, based on the user information. The specific account is used to store resources corresponding to the specific resource attribute information. Here, second-class accounts may include accounts that cannot deposit or withdraw cash or transfer funds to unbound accounts, such as credit accounts; third-class accounts may include accounts used for quick payments such as QuickPass and password-free payment.

[0074] Next, the credit service platform server 20 determines the user's special account based on the user information and special resource attribute information in the account application request, and sends first feedback information to the service platform server 10 of the service platform, including the account information of the special account.

[0075] Then, the service platform of the service platform server 10 receives the first feedback information sent by the credit service platform in response to the account application request, and sends the account information of the special account to the application platform of the resource processing device 30. The special credit resources in the special account are used to pay the target order related to the special resource attribute information.

[0076] The resource processing architecture has completed the approval process for the user's special account and the special credit resources of the special account. The following is a detailed description of the use process of special credit resources.

[0077] After the user pays the target order through the special credit resources of the special account and the server 20 of the credit service platform successfully deducts the special credit resources, the server 10 of the service platform sends a first special resource transfer request to the server 40 of the government service platform. The first special resource transfer request is used to prompt the server 40 of the government service platform to transfer the special resources to the special account, and send a notification message to the server 20 of the credit service platform. The notification message is used to notify the server 20 of the credit service platform to deduct the resources related to the target order in the special account within the preset authority based on the special resources.

[0078] This approach replaces the user's own resources with a dedicated credit account and dedicated credit resources, improving resource transfer efficiency while also preventing users from being unable to complete paid training due to a lack of their own funds. This online resource transfer reduces the need for users to visit training institutions to pay fees and redeem training vouchers, improving the user payment experience. Furthermore, the dedicated credit resources in this dedicated account are used for their intended purpose, facilitating the continuous and effective tracking and optimization of these resources.

[0079] It should be noted that the special credit resources in the special account in the embodiment of the present application are credit resources, and special resources are resources issued by the service platform according to special resource attribute information, and are mainly used for repayment of credit resources.

[0080] In addition, the present application also provides a possible resource processing architecture, which is similar to Figure 1 The difference in the resource processing architecture is that Figure 1 The target order is paid through the special credit resources in the special account. Figure 2 The server 10 of the server platform can split the target order into a first sub-order and a second sub-order. The first sub-order can be paid by the user's other bound account, that is, the first account, such as a class account, and the second sub-order can be paid by the special credit resources in the special account. In this way, the specific Figure 2 Here, one type of account may include an account opened through a traditional bank counter that meets all the strict requirements of the real-name system, such as a savings account or a debit account.

[0081] Similarly, since the special credit resources in the special account are used to pay for the second sub-order, the server 40 of the government service platform only needs to transfer the resource value of the special resources into the special account to correspond to the resource value involved in the second sub-order.

[0082] Therefore, the server 10 of the service platform sends a second special resource transfer request to the server 40 of the government service platform. The second special resource transfer request includes the resource value of the second sub-order. Based on the resource value of the second sub-order, the server 40 of the government service platform transfers the special resources corresponding to the resource value of the second sub-order to the special account, so that the server 20 of the credit service platform deducts the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order. Figure 2As shown, the embodiment of the present application provides a resource processing architecture, which includes a server 10 of the service platform, a server 20 of the credit service platform, a resource processing device 30, a server 40 of the government service platform and a server 50 of the payee. Among them, the server 10 of the service platform, the server 20 of the credit service platform, the resource processing device 30 and the server 40 of the government service platform are all connected to Figure 1 The contents involved are the same as those in

[15] , and will not be repeated here. The server 50 of the payee operates as a skill training payment platform.

[0083] Based on this, Figure 2 The resource processing architecture can be Figure 1 The process shown completes the approval process of the user's special account and the special credit resources of the special account, which will not be repeated here. The following is a detailed description of the use process of special credit resources.

[0084] The server 10 of the service platform splits the target order according to the resource application to obtain a first sub-order and a second sub-order. When paying for the target order, the server 10 of the service platform sends the first sub-order and the second sub-order to the payee's server 50, and the payee's server 40 sends the first sub-order and the second sub-order to the resource processing device 30. When the resource processing device 30 receives the first sub-order and the second sub-order, the first sub-order can be paid through the user's first account, and the second sub-order can be paid through the special credit resources in the special account. When the server 10 of the service platform detects that the payment of the target order is completed, the special resources corresponding to the resource value are transferred to the special account to complete the repayment.

[0085] Thus, by applying for a dedicated account and the dedicated credit resources within it, target orders associated with the dedicated resource attributes can be paid. This replaces the user's own resources with a dedicated credit account and resources, improving resource transfer efficiency while also preventing users from being unable to complete paid training due to a lack of their own funds. Online resource transfer reduces the need for users to visit training institutions to pay fees and redeem training vouchers, improving the user payment experience. Furthermore, the dedicated credit resources within this dedicated account are used for their intended purpose, facilitating the continuous and effective tracking and optimization of these resources.

[0086] According to the above application scenarios, the following Figure 3-Figure 5 The resource processing method provided in the embodiments of the present application is described in detail.

[0087] Figure 3 This is a flow chart of an embodiment of a resource processing method applied to a service platform according to the resource processing method provided in this application.

[0088] like Figure 3As shown, the resource processing method can be applied to Figure 1 or Figure 2 The server of the service platform shown, based on this, the method may specifically include steps 310 to 340.

[0089] First, in step 310, a resource application request sent by an application platform is received. The application platform is a platform corresponding to an application program that receives user input. The resource application request includes user information.

[0090] Next, in step 320, if the user information meets the preset review conditions, an account application request is sent to the credit service platform. The account application request includes the user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information.

[0091] Next, in step 330, first feedback information sent by the credit service platform in response to the account application request is received. The first feedback information includes account information of the special account.

[0092] Then, in step 340, the account information of the special account is sent to the application platform, and the special credit resources in the special account are used to pay the target order related to the special resource attribute information.

[0093] Thus, by applying for a dedicated account and using the dedicated credit resources within it, users can pay for target orders associated with the dedicated resource attributes. This replaces the user's own resources with a dedicated credit account and resources, improving resource transfer efficiency while also preventing users from being unable to complete paid training due to a lack of their own funds. Online resource transfer reduces the need for users to visit training institutions to pay fees and redeem training vouchers, improving the user payment experience. Furthermore, the dedicated credit resources within this dedicated account are used for their intended purpose, facilitating the continuous and effective tracking and optimization of these resources.

[0094] The above steps are explained in detail below:

[0095] First, in a possible embodiment, whether the user information meets the preset review conditions can be determined through the following steps. Before step 320, the resource processing method further includes:

[0096] Sending an audit request to the government service platform, the audit request including the user's user information, and the audit request is used to request the audit result of the resource application corresponding to the user information;

[0097] Receive the review feedback information sent by the government service platform. The review feedback information includes the result information of the resource application corresponding to the user information being reviewed and approved. The result information is used to indicate that the user information meets the preset review conditions.

[0098] In addition, determining whether the user information meets the preset review conditions may also be performed by the service platform. That is, in the case where the user information includes personal identity information and / or biometric information, before step 320, the resource processing method further includes:

[0099] Matching the personal identification information with pre-stored personal identification information, and / or matching the biometric information with pre-stored biometric information to obtain a matching result;

[0100] If the matching result indicates a successful match, obtaining a resource application platform corresponding to the special resource attribute information according to the special resource attribute information;

[0101] When the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

[0102] On the contrary, when the matching result indicates that the match is unsuccessful, a reapplication notification is sent to the application platform. The reapplication notification is used to notify the user that the user information filled in is inaccurate, so that the user can refill the user information.

[0103] In addition, when the preset platform whitelist does not include the resource application platform, it is determined that the user information does not meet the preset review conditions, and it can be determined that the user does not meet the conditions for resource application. A re-application notification can also be sent to the application platform, or a notification message that the resource application cannot be made can be sent to the application platform.

[0104] Based on this, in order to ensure that the service platform has the authority to apply for special accounts and special credit resources, the server of the service platform can apply for authorization from the user. The specific steps can be as follows, that is, step 220 can specifically include:

[0105] When the user information meets the preset review conditions, an account application permission request is sent to the application platform. The account application permission request is used to request the permission for the account application;

[0106] When the second feedback information sent by the application platform is received, an account application request is sent to the credit service platform. The second feedback information is used to indicate that the service platform is granted the authority to make the account application.

[0107] Here, after successfully applying for a special account, in this embodiment of the application, you also need to apply for special credit resources in the special account. The specific process is as follows.

[0108] In a possible embodiment, before step 240, the method may further include:

[0109] Send a resource application permission request to the application platform. The resource application permission request is used to request permission to apply for special credit resources;

[0110] receiving third feedback information sent by the application platform;

[0111] When the third feedback information indicates that the application platform is granted permission to apply for special credit resources through the user's credit information, a credit resource application request is sent to the credit service platform, where the credit resource application request is used to apply for special credit resources in the special account.

[0112] It should be noted that before applying for special credit resources, you can also apply for authorization from the user.

[0113] In addition, since the special credit resources are resources issued by the credit service platform based on the user's credit, after the special credit resources are used up, it is necessary to repay the credit service platform. In this way, the following steps can be performed after step 240:

[0114] When it is detected that the special credit resources in the special account are used to pay for the target order related to the special resource attribute information, a first special resource transfer request is sent to the government service platform. The first special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform can deduct the order-related resources in the special account within the preset authority based on the special resources.

[0115] In addition, in a possible embodiment, the target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the user's first account, which is a type of account of the user. In this way, transferring the special resources to the special account includes:

[0116] Based on the resource value of the second sub-order, a second special resource transfer request is sent to the government service platform. The second special resource transfer request is used to prompt the government service platform to transfer the special resources corresponding to the resource value of the second sub-order to the special account, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.

[0117] It should be noted that the special account provided in the embodiment of the present application can be a second-type account or a third-type account of the user.

[0118] Based on the same inventive concept, this application also provides a resource processing method applied to a credit service platform. Figure 4 Provide detailed explanation.

[0119] Figure 4 This is a flow chart of an embodiment of a resource processing method applied to a credit service platform according to the resource processing method provided in this application.

[0120] like Figure 4 As shown, the resource processing method can be applied to Figure 1 or Figure 2 The server of the credit service platform shown is based on this. The method may specifically include steps 410 to 430.

[0121] First, in step 410, an account application request sent by a service platform is received. The account application request includes user information and special resource attribute information.

[0122] Next, in step 420, a special account of the user is determined based on the user information and the special resource attribute information. The special account is used to store resources corresponding to the special resource attribute information.

[0123] Then, in step 430, first feedback information is sent to the service platform, where the first feedback information includes account information of the special account.

[0124] The above steps are explained in detail below:

[0125] First, in a possible embodiment, before step 430, the method may further include:

[0126] Receive credit resource application requests sent by the service platform;

[0127] Based on resource application requests, obtain the user's credit information from a third-party trusted platform;

[0128] When the credit information meets the preset conditions, determine the resource value corresponding to the special resource attribute information;

[0129] Add special credit resources corresponding to the resource value in the special account.

[0130] In addition, after step 430, the method may further include:

[0131] When it is detected that the special credit resources in the special account are used to pay for the target order related to the special resource attribute information, based on the special resources, the resources related to the order in the special account are deducted within the preset authority.

[0132] Based on the same inventive concept, this application also provides a resource processing method applied to an application platform. Figure 5 Provide detailed explanation.

[0133] Figure 5This is a flow chart of an embodiment of a resource processing method applied to an application platform according to the resource processing method provided in this application.

[0134] like Figure 5 As shown, the resource processing method can be applied to Figure 1 or Figure 2 The server of the application platform shown, based on this, the method may specifically include steps 510 to 530.

[0135] First, in step 510, a first input of a user regarding a resource application is received.

[0136] Next, in step 520, in response to the first input, a resource application request is sent to the service platform. The resource application request includes the user information of the user. The resource application request is used to apply for a special account to pay the target order. The target order is related to the special resource attribute information of the service platform.

[0137] Then, in step 530, the account information of the special account sent by the service platform is received. The special account includes special credit resources, and the special credit resources are used to pay the target order.

[0138] The above steps are explained in detail below:

[0139] First, in a possible embodiment, before step 530, the method may further include steps 5301 to 5303:

[0140] Step 5301: Receive an account application permission request sent by a service platform, where the account application permission request is used to request permission for account application.

[0141] Step 5302: Determine the authority to grant the service platform the account application according to the account application authority request.

[0142] Step 5303: Send second feedback information to the service platform. The second feedback information is used to indicate that the service platform is authorized to apply for an account.

[0143] Furthermore, before step 5301, the method may further include:

[0144] Receive resource application permission requests sent by the service platform, which are used to request permission to apply for special credit resources;

[0145] Based on the resource application permission request, determine the permission granted to the application platform to request special credit resources through the user's credit information;

[0146] The third feedback information is sent to the application platform, where the third feedback information is used to indicate that the application platform is granted permission to request a special credit resource application through the user's credit information.

[0147] Figure 6 This is a flow chart of an embodiment of a resource processing method applied to a government service platform according to the resource processing method provided in this application.

[0148] like Figure 6 As shown, the resource processing method can be applied to Figure 1 or Figure 2 The server of the government service platform shown is based on this. The method may specifically include steps 610 to 630.

[0149] Step 610: Receive a review request sent by the service platform, where the review request includes user information of the user.

[0150] Step 620: Review the user information of the user according to the preset review conditions to obtain the result information indicating that the resource application corresponding to the user information has passed the review.

[0151] Furthermore, whether the user information meets the preset review conditions can be determined through the following steps. Therefore, step 620 can specifically include:

[0152] In the case where the user information includes personal identification information and / or biometric information, the personal identification information is matched with pre-stored personal identification information, and / or the biometric information is matched with pre-stored biometric information to obtain a matching result.

[0153] When the matching result indicates a successful match, the resource application platform corresponding to the special resource attribute information is obtained according to the special resource attribute information; when the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

[0154] On the contrary, when the matching result indicates that the match is unsuccessful, a reapplication notification is sent to the application platform. The reapplication notification is used to notify the user that the user information filled in is inaccurate, so that the user can refill the user information.

[0155] In addition, when the preset platform whitelist does not include the resource application platform, it is determined that the user information does not meet the preset review conditions, and it can be determined that the user does not meet the conditions for resource application. A re-application notification can also be sent to the application platform, or a notification message that the resource application cannot be made can be sent to the application platform.

[0156] Step 630: Send review feedback information to the service platform. The review feedback information includes result information indicating that the resource application corresponding to the user information has passed the review. The result information is used to indicate that the user information meets the preset review conditions.

[0157] In some possible embodiments, after step 630, the resource processing method may further include:

[0158] Receive the first special resource transfer request sent by the service platform;

[0159] Based on the first special resource transfer request, the special resources are transferred to the special account so that the credit service platform can deduct the order-related resources in the special account within the preset authority based on the special resources.

[0160] In addition, in some possible embodiments, after step 630, the resource processing method may further include: when the target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the user's first account, receiving a second dedicated resource transfer request sent by the service platform, the second dedicated resource transfer request including the resource value of the second sub-order;

[0161] Based on the resource value of the second sub-order, the special resources corresponding to the resource value of the second sub-order are transferred to the special account, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.

[0162] The resource processing method of the embodiment of the present application pays for target orders related to special resource attribute information by applying for a special account and special credit resources in the special account. In this way, the special credit account and special credit resources replace the user's own resources, which improves the efficiency of resource transfer while avoiding the user's inability to complete the payment training due to the inability to advance payment with their own funds. Through online resource transfer, the process of users paying fees and verifying training vouchers offline at training institutions can be reduced, thereby improving the user's payment experience. In addition, the special credit resources in the special account are used for specific purposes, which is conducive to the continuous and effective tracking and optimization of special credit resources.

[0163] In order to better illustrate the above resource processing method, the embodiment of this application combines Figure 1 The architecture shown details how resources are handled.

[0164] like Figure 7 As shown, the resource processing method may include steps 701 to 716, which are specifically as follows.

[0165] Step 701: The resource processing device receives a selection input from a user selecting a training subsidy issuance option in an application platform.

[0166] Step 702: In response to the selection input, the resource processing device displays an application information registration interface and obtains user information based on the application information registration interface.

[0167] Step 703: The resource processing device sends a resource application request to the server of the service platform. The resource application request includes user information of the user.

[0168] In step 704, the server of the service platform sends an audit request to the government service platform in the server of the government service platform. The audit request includes the user information of the user. The audit request is used to request the audit result of the resource application corresponding to the user information.

[0169] In step 705, the government service platform reviews the user's user information according to the preset review conditions, obtains the result information that the resource application corresponding to the user information has been reviewed and approved, and sends review feedback information to the service platform. The review feedback information includes the result information that the resource application corresponding to the user information has been reviewed and approved. The result information is used to indicate that the user information meets the preset review conditions.

[0170] In step 706, the server of the service platform determines the permission application request based on the received review feedback information, and sends the account permission application request to the application platform. The account permission application request is used to request the permission applied for by the account.

[0171] In step 707, the resource processing device receives the account application permission request and, based on the account application permission request, determines whether to grant the service platform permission to apply for the account. The resource processing device then sends second feedback information to the service platform, indicating that the service platform has been granted permission to apply for the account.

[0172] Step 708: After receiving the second feedback information, the service platform sends an account application request to the credit service platform. The account application request includes user information and special resource attribute information.

[0173] Step 709: The credit service platform receives the account application request and determines the user's special account, such as a Class II account or a Class III account, based on the user information and special resource attribute information. The credit service platform sends an account opening success message to the service platform.

[0174] In step 710, the service platform receives the account opening success information and determines the resource application permission request. Then, the service platform sends the account opening success information and the resource application permission request to the application platform. The resource application permission request is used to request the application platform to grant the service platform the permission to apply for resources.

[0175] In step 711, the application platform determines whether to grant the service platform permission to apply for resources based on the resource application permission request. The resource processing device then sends third feedback information to the service platform based on the permission granted to the service platform to apply for resources. The third feedback information indicates that the application platform has been granted permission to apply for special credit resources using the user's credit information.

[0176] In step 712, the service platform receives the third feedback information and sends a credit resource application request to the credit service platform. The credit resource application request is used to apply for special credit resources in the special account. Here, the special credit resources are resources allocated by the credit service platform based on the user's credit. Therefore, after the special credit resources are used up, repayment operations must be made to the credit service platform.

[0177] In step 713, the credit service platform receives the credit resource application request and, based on the resource application request, obtains the user's credit information from a third-party trusted platform. If the credit information meets pre-set conditions, the platform determines the resource value corresponding to the special resource attribute information and adds the special credit resource corresponding to the resource value to the special account. The credit service platform then sends first feedback information to the service platform, including the account information of the special account.

[0178] Step 714: The service platform receives the first feedback information and sends the account information of the special account to the application platform. The special credit resources in the special account are used to pay for the target order related to the special resource attribute information.

[0179] Step 715: After the service platform detects that the special credit resources in the special account have paid the target order related to the special resource attribute information, or after detecting that the user has completed the training process, the service platform sends a first special resource transfer request to the government service platform. The special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account.

[0180] In step 716, the government service platform transfers the special resources to the special account according to the target order, so that the credit service platform deducts the order-related resources in the special account within the preset authority based on the special resources.

[0181] In summary, the resource processing method provided in the embodiment of the present application, on the one hand, for trainees and payees such as training institutions, trainees do not need to go to the training institution offline to advance payment and / or redeem training vouchers by themselves. They only need to apply for a special account and special credit resources online in real time, and then use the special credit resources online to pay the fees and complete the confirmation with the training institution online, which greatly improves the efficiency of the entire training process, avoids the situation where users are unable to complete the payment training due to inability to advance payment with their own funds, improves the user's payment experience, and reduces the human and financial costs of training institutions.

[0182] On the other hand, for the credit service platform, the special credit resources in the special account can be used for special purposes, which improves the efficiency of resource transfer, facilitates the continuous and effective tracking and optimization of special credit resources, and improves the user stickiness of the credit service platform.

[0183] On the other hand, for service platforms such as skill subsidy distribution platforms, they can use online platforms to conveniently complete the distribution of skill subsidies, reducing the human and financial costs of skill subsidy distribution and improving the efficiency of skill subsidy distribution.

[0184] Based on the same inventive concept, the present application also provides a resource processing device applied to a service platform. Figure 8 Provide detailed explanation.

[0185] Figure 8 This is a structural diagram of a resource processing device applied to a service platform according to the resource processing method provided by this application.

[0186] like Figure 8 As shown, in some embodiments of the present application, Figure 8 The resource processing device shown can be arranged in Figure 1 or Figure 2 In the server of the service platform shown, the resource processing device 80 may specifically include:

[0187] Receiving module 801, configured to receive a resource application request sent by an application platform, where the application platform is a platform corresponding to an application program that receives user input, and the resource application request includes user information;

[0188] Sending module 802 is configured to send an account application request to the credit service platform if the user information meets the preset review conditions. The account application request includes the user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information.

[0189] The receiving module 801 is further configured to receive first feedback information sent by the credit service platform in response to the account application request, where the first feedback information includes account information of the special account;

[0190] The sending module 802 is further configured to send account information of the special account to the application platform, where the special credit resources in the special account are used to pay for target orders related to the special resource attribute information.

[0191] This approach replaces the user's own resources with a dedicated credit account and dedicated credit resources, improving resource transfer efficiency while also preventing users from being unable to complete paid training due to a lack of their own funds. This online resource transfer reduces the need for users to visit training institutions to pay fees and redeem training vouchers, improving the user payment experience. Furthermore, the dedicated credit resources in this dedicated account are used for their intended purpose, facilitating the continuous and effective tracking and optimization of these resources.

[0192] The resource processing device 80 is described in detail below.

[0193] In a possible embodiment, the resource processing device 80 in the embodiment of the present application may further include a matching module. Based on this, when the user information includes personal identity information and / or biometric information, the matching module is used to match the personal identity information with pre-stored personal identity information and / or match the biometric information with pre-stored biometric information to obtain a matching result;

[0194] When the matching result indicates a successful match, the resource application platform corresponding to the special resource attribute information is obtained according to the special resource attribute information; when the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

[0195] In addition, the sending module 802 of the embodiment of the present application is further configured to send an audit request to the government service platform, the audit request including the user information of the user, and the audit request being used to request the audit result of the resource application corresponding to the user information. The receiving module 801 of the embodiment of the present application is further configured to receive audit feedback information sent by the government service platform, the audit feedback information including the result information of the resource application corresponding to the user information being audited and passed, and the result information being used to indicate that the user information meets the preset audit conditions.

[0196] In a possible embodiment, the sending module 802 of the embodiment of the present application is further configured to send an account application permission request to the application platform if the user information meets preset review conditions. The account application permission request is used to request permission for the account application. Furthermore, upon receiving second feedback information sent by the service platform, the sending module 802 is further configured to send an account application request to the credit service platform. The second feedback information is used to indicate that permission for the account application has been granted to the service platform.

[0197] In a possible embodiment, the sending module 802 of the embodiment of the present application is further used to send a resource application permission request to the application platform, where the resource application permission request is used to request permission to apply for special credit resources.

[0198] Based on this, the receiving module 801 of the embodiment of the present application is further configured to receive third feedback information sent by the application platform. The sending module 802 of the embodiment of the present application is further configured to send a credit resource application request to the credit service platform when the third feedback information indicates that the application platform is granted permission to request a special credit resource application using the user's credit information. The credit resource application request is used to apply for a special credit resource in a special account.

[0199] In addition, in a possible embodiment, the sending module 802 in the embodiment of the present application is also used to send a first special resource transfer request to the government service platform when it is detected that the special credit resources in the special account are used to pay for the target order related to the special resource attribute information. The special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform can deduct the order-related resources in the special account within the preset authority based on the special resources.

[0200] Furthermore, if the target order includes a first sub-order and a second sub-order, and the first sub-order is paid from the user's first account, the sending module 802 is further configured to send a second special resource transfer request to the government service platform based on the resource value of the second sub-order. The second special resource transfer request is configured to prompt the government service platform to transfer the special resources corresponding to the resource value of the second sub-order to a special account, so that the credit service platform can deduct the resources related to the second sub-order from the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order. The special account is a second-type account or a third-type account of the user.

[0201] Based on the same inventive concept, this application also provides a resource processing device applied to a credit service platform. Figure 9 Provide detailed explanation.

[0202] Figure 9 This is a structural diagram of a resource processing device applied to a credit service platform according to the resource processing method provided by this application.

[0203] like Figure 9 As shown, in some embodiments of the present application, Figure 9 The resource processing device shown can be set as Figure 1 or Figure 2 In the server of the credit service platform shown, the resource processing device 90 may specifically include:

[0204] Receiving module 901, configured to receive an account application request sent by a service platform, the account application request including user information and special resource attribute information;

[0205] Processing module 902 is used to determine the user's special account based on the user information and the special resource attribute information, and the special account is used to store resources corresponding to the special resource attribute information;

[0206] The sending module 903 is configured to send first feedback information to the service platform, where the first feedback information includes account information of the special account.

[0207] The resource processing device 90 is described in detail below.

[0208] In a possible embodiment, the resource processing device 90 in the embodiment of the present application may further include an acquisition module, a determination module, and an addition module. Based on this, the receiving module 901 is further configured to receive a credit resource application request sent by the service platform. The acquisition module is configured to obtain the user's credit information from a third-party trusted platform based on the resource application request. The determination module is configured to determine the resource value corresponding to the special resource attribute information if the credit information meets preset conditions. The addition module is configured to add the special credit resource corresponding to the resource value to the special account.

[0209] In a possible embodiment, the resource processing device 90 in the embodiment of the present application may also include an adding module for deducting order-related resources in the special account within the preset authority based on the special resources when it is detected that the special credit resources in the special account are used to pay the target order related to the special resource attribute information.

[0210] Based on the same inventive concept, the present application also provides a resource processing device for an application platform. Figure 10 Provide detailed explanation.

[0211] Figure 10 This is a structural diagram of a resource processing device applied to an application platform according to the resource processing method provided by this application.

[0212] like Figure 10 As shown, in some embodiments of the present application, Figure 10 The resource processing device 100 shown can be set in Figure 1 or Figure 2 In the resource processing device shown, the resource processing apparatus 100 may specifically include:

[0213] Receiving module 1001, configured to receive a first input of a user regarding a resource application;

[0214] A sending module 1002 is configured to send a resource application request to the service platform in response to the first input, the resource application request including user information of the user, the resource application request being used to apply for a special account for paying a target order, the target order being related to special resource attribute information of the service platform;

[0215] The receiving module 1001 is further configured to receive account information of a special account sent by the service platform. The special account includes special credit resources, and the special credit resources are used to pay for the target order.

[0216] The resource processing device 100 is described in detail below.

[0217] In a possible embodiment, the resource processing device 100 in the embodiment of the present application may further include a determination module.

[0218] Based on this, receiving module 1001 is further configured to receive an account application permission request from the service platform, the account application permission request being used to request permission for the account application. Determining module 1002 is further configured to determine, based on the account application permission request, whether to grant permission to the service platform for the account application. Sending module 1002 is further configured to send second feedback information to the service platform, the second feedback information being used to indicate whether permission to the service platform for the account application has been granted.

[0219] In a possible embodiment, receiving module 1001 is further configured to receive a resource application permission request sent by the service platform, the resource application permission request being used to request permission to apply for a special credit resource. The determining module is further configured to determine, based on the resource application permission request, whether to grant the application platform permission to request the special credit resource application using the user's credit information. Sending module 1002 is further configured to send third feedback information to the application platform, the third feedback information being used to indicate that permission to request the special credit resource application using the user's credit information has been granted to the application platform.

[0220] Based on the same inventive concept, this application also provides a resource processing device applied to a government service platform. Figure 11 Provide detailed explanation.

[0221] Figure 11 This is a structural diagram of a resource processing device applied to a government service platform according to the resource processing method provided in this application.

[0222] like Figure 11 As shown, in some embodiments of the present application, Figure 11 The resource processing device 110 shown can be set as follows Figure 1 or Figure 2 In the server of the government service platform shown, the resource processing device 110 may specifically include:

[0223] Receiving module 1101, configured to receive an audit request sent by a service platform, the audit request including user information of the user;

[0224] The review module 1102 is used to review the user's user information according to the preset review conditions and obtain the result information of the resource application corresponding to the user information being reviewed and approved;

[0225] The sending module 1103 is used to send review feedback information to the service platform. The review feedback information includes result information of the resource application corresponding to the user information being reviewed and approved. The result information is used to indicate that the user information meets the preset review conditions.

[0226] The resource processing device 110 is described in detail below.

[0227] In some possible embodiments, the resource processing device 110 in the embodiments of the present application may further include a transfer module. Based on this, the receiving module 1101 may further be configured to receive a first special resource transfer request sent by the service platform; the transfer module may be configured to transfer the special resource to the special account based on the first special resource transfer request, so that the credit service platform can deduct order-related resources from the special account within a preset authority based on the special resource.

[0228] In another possible embodiment, when the target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the user's first account, the receiving module 1101 can also be used to receive a second special resource transfer request sent by the service platform, and the second special resource transfer request includes the resource value of the second sub-order; the transfer module is also used to transfer the special resources corresponding to the resource value of the second sub-order to the special account based on the resource value of the second sub-order, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.

[0229] In some possible embodiments, the review module 1102 in the embodiments of the present application may be specifically configured to, when the user information includes personal identity information and / or biometric information, match the personal identity information with pre-stored personal identity information, and / or match the biometric information with pre-stored biometric information to obtain a matching result;

[0230] If the matching result indicates a successful match, obtaining a resource application platform corresponding to the special resource attribute information according to the special resource attribute information;

[0231] When the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

[0232] The resource processing device provided in the embodiment of the present application, on the one hand, for trainees and payees such as training institutions, trainees do not need to go to the training institution offline to advance payment and / or redeem training vouchers. They only need to apply for a special account and special credit resources online in real time, and then use the special credit resources to pay online and complete the confirmation with the training institution online, which greatly improves the efficiency of the entire training process, avoids the situation where users are unable to complete the payment training due to inability to advance payment with their own funds, improves the user's payment experience, and reduces the human and financial costs of the training institution.

[0233] On the other hand, for the credit service platform, the special credit resources in the special account can be used for special purposes, which improves the efficiency of resource transfer, facilitates the continuous and effective tracking and optimization of special credit resources, and improves the user stickiness of the credit service platform.

[0234] On the other hand, for service platforms such as skill subsidy distribution platforms, they can use online platforms to conveniently complete the distribution of skill subsidies, reducing the human and financial costs of skill subsidy distribution and improving the efficiency of skill subsidy distribution.

[0235] Based on the same inventive concept, the present application also provides a computing device. Figure 12 Provide detailed explanation.

[0236] Figure 12 This is a schematic diagram of the hardware structure of a computing device according to the resource processing method provided in this application.

[0237] like Figure 12 As shown, the computing device 120 may be as follows Figure 1 or Figure 2 The server of the service platform shown can also be Figure 1 or Figure 2 The server of the credit service platform shown can also be Figure 1 or Figure 2 The resource processing device shown can, of course, also be Figure 1 or Figure 2 The computing device may include a processor 1201 and a memory 1202 storing computer program instructions.

[0238] Specifically, the processor 1201 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0239] Memory 1202 may include a large-capacity memory for data or instructions. By way of example and not limitation, memory 1202 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 1202 may include removable or non-removable (or fixed) media. Where appropriate, memory 1202 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, memory 1202 is a non-volatile solid-state memory. In a specific embodiment, memory 1202 includes a read-only memory (ROM). Where appropriate, the ROM may be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically rewritable ROM (EAROM), or a flash memory, or a combination of two or more of these.

[0240] The processor 1201 implements any one of the resource processing methods in the above embodiments by reading and executing computer program instructions stored in the memory 1202 .

[0241] In one example, the data processing device may further include a communication interface 1203 and a bus 1204. Figure 12 As shown, the processor 1201 , the memory 1202 , and the communication interface 1203 are connected via a bus 1210 and communicate with each other.

[0242] The communication interface 1203 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0243] Bus 1204 comprises hardware, software or both, and the parts of flow control device are coupled to each other.For example, and not limitation, bus can comprise accelerated graphics port (AGP) or other graphics buses, enhanced industrial standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more above these combinations.In suitable cases, bus 1204 can comprise one or more buses.Although the present application embodiment describes and shows specific bus, the application considers any suitable bus or interconnection.

[0244] The resource processing device can execute the resource processing method in the embodiment of the present application, thereby realizing the combination Figures 1 to 10 Described resource processing method and device.

[0245] In addition, in conjunction with the resource processing methods in the above embodiments, embodiments of the present application may provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the resource processing methods in the above embodiments is implemented.

[0246] It should be understood that the present application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications, and additions, or change the order of the steps after understanding the spirit of the present application.

[0247] The functional blocks shown in the above block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. Programs or code segments can be stored in machine-readable media, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable media" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segments can be downloaded via computer networks such as the Internet, intranets, etc.

[0248] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps. In other words, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0249] The above is only a specific implementation method of the present application. Those skilled in the art can clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the scope of protection of the present application is not limited to this. Any technician familiar with this technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in this application, and these modifications or replacements should be included in the scope of protection of this application.

Claims

1. A resource processing method, applied to a service platform, comprising: receiving a resource application request sent by an application platform, the application platform being a platform corresponding to an application program that receives user input, the resource application request including user information of the user; If the user information meets the preset review conditions, an account application request is sent to the credit service platform, the account application request including the user information and special resource attribute information, the account application request being used to apply for a special account corresponding to the user based on the user information, the special account being used to store resources corresponding to the special resource attribute information; The special account is the user's second-category account or a third-category account used for quick payment, and the second-category account is a credit account; receiving first feedback information sent by the credit service platform in response to the account application request, wherein the first feedback information includes account information of the special account; Sending account information of the special account to the application platform, where the special credit resources in the special account are used to pay for target orders related to the special resource attribute information; When the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, a first special resource transfer request is sent to the government service platform. The first special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resources.

2. The method according to claim 1, characterized in that The user information includes personal identity information and / or biometric information; before sending the account application request to the credit service platform, the method further includes: Matching the personal identity information with pre-stored personal identity information, and / or matching the biometric information with pre-stored biometric information to obtain a matching result; If the matching result indicates a successful match, obtaining a resource application platform corresponding to the special resource attribute information according to the special resource attribute information; In a case where the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

3. The method according to claim 1 or 2, characterized in that Before sending the account application request to the credit service platform, the method further includes: Sending a review request to the government service platform, the review request including the user information of the user, the review request being used to request a review result of a resource application corresponding to the user information; Receive the review feedback information sent by the government service platform, the review feedback information includes the result information of the resource application corresponding to the user information being reviewed and approved, and the result information is used to indicate that the user information meets the preset review conditions.

4. The method according to claim 1, wherein When the user information meets the preset review conditions, sending an account application request to the credit service platform includes: If the user information meets the preset review conditions, sending an account application permission request to the application platform, wherein the account application permission request is used to request the permission for the account application; Upon receiving the second feedback information sent by the service platform, an account application request is sent to the credit service platform, wherein the second feedback information is used to indicate that the service platform is granted the authority to make the account application.

5. The method according to claim 1, wherein Before sending the account information of the special account to the application platform, the method further includes: Sending a resource application permission request to the application platform, wherein the resource application permission request is used to request permission to apply for special credit resources; receiving third feedback information sent by the application platform; When the third feedback information indicates that the application platform is granted permission to apply for special credit resources through the user's credit information, a credit resource application request is sent to the credit service platform, where the credit resource application request is used to apply for special credit resources in the special account.

6. The method according to claim 1, characterized in that The target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the first account of the user; The transferring of the special resources to the special account includes: Based on the resource value of the second sub-order, a second special resource transfer request is sent to the government service platform. The second special resource transfer request is used to prompt the government service platform to transfer the special resources corresponding to the resource value of the second sub-order to the special account, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.

7. A resource processing method, applied to a credit service platform, comprising: Receiving an account application request sent by the service platform, wherein the account application request includes user information and special resource attribute information; Determining a special account of the user based on the user information and the special resource attribute information, the special account being used to store resources corresponding to the special resource attribute information, the special account being a second-category account of the user or a third-category account for quick payment, the second-category account being a credit account; Sending first feedback information to the service platform, where the first feedback information includes account information of the special account; Receiving a credit resource application request sent by the service platform; Based on the resource application request, obtaining the user's credit information from a third-party trusted platform; If the credit information meets the preset conditions, determining the resource value corresponding to the special resource attribute information; Adding a special credit resource corresponding to the resource value in the special account; When the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, and the server of the credit service platform successfully deducts the special credit resources, receiving the special resources transferred from the government service platform to the special account of the user; Based on the special resources, the resources related to the order in the special account are deducted within the preset authority, and the special resource attribute information is associated with a specific training project.

8. The method according to claim 7, characterized in that After sending the first feedback information to the service platform, the method further includes: When it is detected that the special credit resources in the special account are used to pay for a target order related to the special resource attribute information, the resources related to the order in the special account are deducted within a preset authority based on the special resources.

9. A resource processing method, applied to an application platform, comprising: receiving a first input of a resource application from a user; In response to the first input, sending a resource application request to the service platform, the resource application request including the user information of the user, the resource application request being used to apply for a special account for paying a target order, the target order being related to the special resource attribute information of the service platform; Receiving account information of the special account sent by the service platform, the special account including special credit resources, the special credit resources being used to pay the target order, the special account being a second-category account of the user or a third-category account used for quick payment, the second-category account being a credit account, and the special resource attribute information being associated with a specific training program; the account information of the special account being sent by the service platform upon receiving first feedback information sent by the credit service platform in response to the account application request, and the first feedback information including the account information of the special account; The first feedback information is received by the service platform after the service platform sends an account application request to the credit service platform if the user information meets the preset review conditions. The account application request includes the user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information. When the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, a first special resource transfer request is sent to the government service platform through the service platform. The first special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform deducts the resources related to the order in the special account within the preset authority based on the special resources.

10. The method according to claim 9, characterized in that Before receiving the account information of the special account sent by the service platform, the method further includes: receiving an account application permission request sent by the service platform, wherein the account application permission request is used to request permission for account application; Determining, based on the account application permission request, to grant the service platform permission to apply for an account; Second feedback information is sent to the service platform, where the second feedback information is used to indicate that the service platform is granted permission to apply for an account.

11. The method according to claim 9, characterized in that Before receiving the account information of the special account sent by the service platform, the method further includes: Receiving a resource application permission request sent by the service platform, wherein the resource application permission request is used to request permission to apply for a special credit resource; Determining, based on the resource application permission request, to grant the application platform permission to request a special credit resource application using the user's credit information; Sending third feedback information to the application platform, where the third feedback information is used to indicate that the application platform is granted permission to request a special credit resource application through the user's credit information.

12. A resource processing method, applied to a government service platform, comprising: Receiving a review request sent by the service platform, wherein the review request includes user information of the user; Review the user's user information according to the preset review conditions, and obtain the result information of the resource application corresponding to the user information being reviewed and approved; Sending review feedback information to the service platform, the review feedback information including result information of the resource application corresponding to the user information being reviewed and approved, the result information being used to indicate that the user information meets the preset review conditions; When the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, and the server of the credit service platform successfully deducts the special credit resources, receiving a first special resource transfer request sent by the service platform; Based on the first special resource transfer request, the special resources are transferred to a special account so that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resources. The special account is the user's second-class account or the third-class account used for quick payment. The second-class account is a credit account, and the special resource attribute information is associated with a specific training project.

13. The method according to claim 12, wherein the target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the first account of the user; after sending the review feedback information to the service platform, the method further comprises: receiving a second special resource transfer request sent by the service platform, where the second special resource transfer request includes the resource value of the second sub-order; Based on the resource value of the second sub-order, the special resources corresponding to the resource value of the second sub-order are transferred to the special account, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.

14. The method according to claim 12, wherein the user information includes personal identity information and / or biometric information; and wherein the user information is reviewed according to preset review conditions to obtain result information indicating that a resource application corresponding to the user information has been reviewed and approved, comprising: Matching the personal identity information with pre-stored personal identity information, and / or matching the biometric information with pre-stored biometric information to obtain a matching result; If the matching result indicates a successful match, obtaining a resource application platform corresponding to the special resource attribute information according to the special resource attribute information; In a case where the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.

15. A resource processing device, applied to a service platform, comprising: A receiving module, configured to receive a resource application request sent by an application platform, wherein the application platform is a platform corresponding to an application program that receives user input, and the resource application request includes user information of the user; a sending module configured to, upon detecting that the user information satisfies a preset review condition, send an account application request to the credit service platform, the account application request including the user information and special resource attribute information, the account application request being used to apply for a special account corresponding to the user based on the user information, the special account being used to store resources corresponding to the special resource attribute information; the special account being a Class II account of the user or a Class III account used for quick payment, the Class II account being a credit account; The receiving module is further configured to receive first feedback information sent by the credit service platform in response to the account application request, wherein the first feedback information includes account information of the special account; The sending module is further configured to send account information of the special account to the application platform, wherein the special credit resources in the special account are used to pay for target orders related to the special resource attribute information; The sending module is also used to send a first special resource transfer request to the government service platform when the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account pay the target order related to the special resource attribute information, and the server of the credit service platform successfully deducts the special credit resources. The special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform deducts the resources related to the order in the special account within the preset authority based on the special resources. The special resource attribute information is associated with a specific training project.

16. A resource processing device, applied to a credit service platform, comprising: A receiving module, configured to receive an account application request sent by a service platform, wherein the account application request includes user information and special resource attribute information; a processing module, configured to determine a special account of the user based on the user information and the special resource attribute information, wherein the special account is used to store resources corresponding to the special resource attribute information; The special account is the user's second-category account or a third-category account used for quick payment, and the second-category account is a credit account; a sending module, configured to send first feedback information to the service platform, wherein the first feedback information includes account information of the special account; The receiving module is further configured to receive a credit resource application request sent by the service platform; The processing module is further configured to obtain the user's credit information from a third-party trusted platform based on the resource application request; determine a resource value corresponding to the special resource attribute information if the credit information meets a preset condition; and add a special credit resource corresponding to the resource value to the special account; The receiving module is further configured to receive the special resources transferred from the government service platform to the special account of the user when the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, and the server of the credit service platform successfully deducts the special credit resources; The processing module is further configured to deduct resources related to the order from the special account within a preset authority based on the special resources, wherein attribute information of the special resources is associated with a specific training project.

17. A resource processing device, applied to an application platform, comprising: A receiving module, configured to receive a first input of a user regarding a resource application; a sending module configured to send a resource application request to the service platform in response to the first input, the resource application request including user information of the user, the resource application request being used to apply for a special account for paying a target order, the target order being related to special resource attribute information of the service platform; the special account being a second-class account of the user or a third-class account for quick payment, the second-class account being a credit account; The receiving module is further configured to receive account information of the special account sent by the service platform, wherein the special account includes a special credit resource, the special credit resource is used to pay the target order, and the attribute information of the special resource is associated with a specific training program; the account information of the special account is sent by the service platform upon receiving first feedback information sent by the credit service platform in response to the account application request, and the first feedback information includes the account information of the special account; The first feedback information is received by the service platform after the service platform sends an account application request to the credit service platform if the user information meets the preset review conditions. The account application request includes the user information and special resource attribute information. The account application request is used to apply for a special account corresponding to the user based on the user information. The special account is used to store resources corresponding to the special resource attribute information. When the user completes the skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay the target order related to the special resource attribute information, a first special resource transfer request is sent to the government service platform through the service platform. The first special resource transfer request is used to prompt the government service platform to transfer the special resources to the special account, so that the credit service platform deducts the resources related to the order in the special account within the preset authority based on the special resources.

18. A resource processing device, applied to a government service platform, comprising: A receiving module, configured to receive a review request sent by a service platform, wherein the review request includes user information of the user; An audit module is used to audit the user's user information according to preset audit conditions and obtain the result information of the resource application corresponding to the user information being audited and passed; A sending module, configured to send review feedback information to the service platform, wherein the review feedback information includes result information indicating that the resource application corresponding to the user information has passed the review, and the result information is used to indicate that the user information meets the preset review conditions; The receiving module is further configured to receive a first special resource transfer request sent by the service platform when the user completes skill training corresponding to the special resource attribute information and detects that the special credit resources in the special account are used to pay for a target order related to the special resource attribute information, and the server of the credit service platform successfully deducts the special credit resources; A transfer module is used to transfer special resources to a special account based on the first special resource transfer request, so that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resources. The special account is the user's second-class account or a third-class account used for quick payment. The second-class account is a credit account, and the special resource attribute information is associated with a specific training project.

19. A server based on a service platform, comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource processing method according to any one of claims 1 to 6 is implemented.

20. A server based on a credit service platform, comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource processing method as described in any one of claims 7 to 8 is implemented.

21. A resource processing device comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource processing method according to any one of claims 9 to 11 is implemented.

22. A server based on a government service platform, comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the resource processing method according to any one of claims 12 to 14 is implemented.

23. A resource processing system, comprising a server based on a service platform as claimed in claim 19, a server based on a credit service platform as claimed in claim 20, a resource processing device as claimed in claim 21, and a server based on a government service platform as claimed in claim 22.

24. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer program instructions, which, when executed by a processor, implement the resource processing method according to any one of claims 1 to 6, or the resource processing method according to any one of claims 7 to 8, or the resource processing method according to any one of claims 9 to 11, or the resource processing method according to any one of claims 12 to 14.

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