Resource processing method, device and equipment

Abstract

The present application provides a resource processing method, apparatus, and device, relating to the field of resource management, for implementing resource classification management. The resource processing method includes: receiving a target identifier, the target identifier being used to indicate a target merchant for which a user needs to pay for resources; determining target merchant type information corresponding to the target identifier from multiple pre-stored merchant type information; determining a target virtual account corresponding to the target merchant type information from multiple virtual accounts, wherein one virtual account is associated with at least one of the multiple merchant type information, one virtual account is associated with at least one resource, and the multiple virtual accounts are all associated with a first entity account; and updating the resource quantity in the target virtual account based on consumption information, wherein the consumption information is used to indicate the resource quantity paid by the user to the target merchant.

Description

Technical Field

[0001] The present application relates to the field of resource management, and specifically to a resource processing method, device and equipment. Background Art

[0002] Fund classification refers to limiting the use of funds based on demand. Organizations and individuals alike have a need for fund classification. Furthermore, with the continuous development of society, the use of funds has expanded, making it increasingly difficult for organizations and individuals to manage funds. This has led to an urgent need for fund classification. However, there is currently no solution for achieving this. Summary of the Invention

[0003] The embodiments of the present application provide a resource processing method, apparatus, and device for implementing resource classification.

[0004] In a first aspect, an embodiment of the present application provides a resource processing method, the method comprising: receiving a target identifier, the target identifier being used to indicate a target merchant for which a user needs to pay for resources; determining the target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information; determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, wherein a virtual account is associated with at least one of the plurality of merchant type information, a virtual account is associated with at least one resource, and the plurality of virtual accounts are all associated with a first entity account; updating the quantity of resources in the target virtual account according to consumption information, the consumption information being used to indicate the quantity of resources paid by the user to the target merchant.

[0005] In an embodiment of the present application, the merchant type information is associated with the target virtual account so that the resources in the target virtual account can be used by merchants with the associated merchant type information. This is equivalent to limiting the scope of use of the resources in the target virtual account, thereby realizing the classification of resources. When paying for resources, it is possible to determine whether the resources in the target virtual account can be used for the merchant currently preparing to pay, thereby accurately realizing the classified use of resources. Moreover, in an embodiment of the present application, multiple virtual accounts under one physical account can be used to realize resource classification without the need to use multiple physical accounts, and the generation cost of a virtual account is smaller than that of a physical account, so it can be beneficial to reduce the cost of fund classification.

[0006] In a possible implementation, before determining the target virtual account corresponding to the target merchant type information from multiple virtual accounts, it also includes: receiving first resource information associated with the first entity account, the first resource information is used to indicate the amount of resources transferred in by the first resource provider; determining first scenario information based on the first resource information, and generating the target virtual account associated with the first scenario information, the first scenario information is used to indicate at least one merchant type that the target virtual account can pay, the at least one merchant type including the target merchant type; based on the first resource information, updating the amount of resources in the target virtual account.

[0007] This embodiment provides a method for creating a target virtual account. Upon receiving the amount of resources transferred from a first resource provider, this method triggers the creation of the target virtual account, eliminating the need for the user to trigger the creation and reducing user effort. Furthermore, this method automatically determines at least one merchant type available for the target virtual account.

[0008] In one possible implementation, before determining the target virtual account corresponding to the target merchant type information from multiple virtual accounts, it also includes: receiving first request information to generate the target virtual account, the first request information is used to request the creation of the target virtual account; receiving second scenario information, and associating the second scenario information with the target virtual account, the second scenario information is used to indicate at least one merchant type that the target virtual account can pay, and the at least one merchant type includes the target merchant type.

[0009] In this embodiment, a method for creating a virtual account is provided, and the user can actively create a target virtual account according to needs, so that the user can flexibly set at least one merchant type available for the target virtual account, thereby improving the flexibility of the created target virtual account.

[0010] In one possible implementation, the method further includes: receiving second resource information, the second resource information being used to indicate the quantity of resources transferred in by the second resource provider; determining that the second resource provider has resource transfer permission for the target virtual account, the resource transfer permission being used to indicate permission to transfer resources to the target virtual account; and updating the quantity of resources in the target virtual account based on the second resource information.

[0011] In this embodiment, when a virtual account (such as a target virtual account) receives a resource, the resource provider's transfer authority can be verified to prevent illegal transfers to the virtual account and ensure the security of the virtual account. Furthermore, verifying the resource provider's transfer authority also facilitates the management of the virtual account's resource sources.

[0012] In one possible implementation, each of the multiple virtual accounts has a priority, and the priority of the virtual account is the priority of expenditure resources; determining a target virtual account corresponding to the target merchant type information from the multiple virtual accounts includes: determining at least one virtual account that matches the target merchant type information from the multiple virtual accounts; and determining a virtual account with the highest priority among the at least one virtual account as the target virtual account.

[0013] In this embodiment, multiple virtual accounts may be identified based on the target merchant type information. In this case, the target virtual account can be determined based on the virtual account priority, ensuring that a unique target virtual account is ultimately determined. In addition, this approach ensures that the virtual account with the highest priority is used first.

[0014] In one possible implementation, before updating the amount of resources in the target virtual account based on consumption information, the method further includes: determining that the amount of resources paid by the user to the target merchant is less than or equal to a first amount, where the first amount is used to indicate the maximum amount of resources that can be used in the target virtual account.

[0015] In this embodiment, before using the resource quantity in the target virtual account, the target virtual account may be used only when it is determined that the current resource quantity to be paid is less than or equal to the remaining resource quantity in the target virtual account, so as to ensure that the transaction can proceed normally.

[0016] In a possible implementation, the method further includes: determining, based on pre-stored information of at least one user with consumption authority, that the user has consumption authority for the target virtual account, wherein the consumption authority is used to indicate authority to pay for resources in the target virtual account.

[0017] In this embodiment, it is possible to verify whether the user has the consumption authority to use the resources in the target virtual account, thereby preventing the resources in the target virtual account from being illegally used and ensuring the security of the resources in the target virtual account.

[0018] In one possible implementation, after updating the quantity of resources in the target virtual account based on consumption information, the method further includes: if a second request message is received and it is determined that the quantity of resources in the target virtual account is a first threshold, cancelling the association between the target virtual account and the first entity account; or, if it is determined that the quantity of resources in the target virtual account is the first threshold, cancelling the association between the target virtual account and the first entity account.

[0019] This embodiment provides two methods for canceling a target virtual account. One method allows the cancellation of a target virtual account when the target virtual account's resource quantity reaches a first threshold. This eliminates the need for user intervention and reduces user effort. The other method requires the user to request cancellation, and only when the target virtual account's resource quantity reaches the first threshold. This prevents the target virtual account from being illegally cancelled, ensuring its security. Furthermore, the target virtual account can be cancelled, allowing for flexible management of its lifecycle.

[0020] In a second aspect, an embodiment of the present application provides a resource processing device, comprising: a transceiver module for receiving the target identifier, wherein the target identifier is used to indicate the target merchant for which the user needs to pay for resources; a processing module for determining the target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information, and determining the target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, wherein a virtual account is associated with at least one of the plurality of merchant type information, a virtual account is associated with at least one resource, and the plurality of virtual accounts are all associated with a first entity account, and updating the quantity of resources in the target virtual account according to the consumption information, wherein the consumption information is used to indicate the quantity of resources paid by the user to the target merchant.

[0021] In one possible embodiment, the transceiver module is further used to receive first resource information associated with the first entity account before determining the target virtual account corresponding to the target merchant type information from multiple virtual accounts, and the first resource information is used to indicate the amount of resources transferred in by the first resource provider; the processing module is further used to determine first scenario information based on the first resource information, and generate the target virtual account associated with the first scenario information, and the first scenario information is used to indicate at least one merchant type that the target virtual account can pay, and the at least one merchant type includes the target merchant type; based on the first resource information, the amount of resources in the target virtual account is updated.

[0022] In one possible implementation, the transceiver module is further used to receive a first request message and a second scenario information before determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts; the processing module is further used to generate the target virtual account, the first request message is used to request the creation of a target virtual account, and to associate the second scenario information with the target virtual account, the second scenario information is used to indicate at least one merchant type information that the target virtual account can use for payment, and the at least one merchant type information includes the target merchant type information.

[0023] In one possible implementation, the transceiver module is further used to receive second resource information, where the second resource information is used to indicate the quantity of resources transferred in by the second resource provider; the processing module is further used to determine whether the second resource provider has resource transfer authority for the target virtual account, where the resource transfer authority is used to indicate authority to transfer resources to the target virtual account, and to update the quantity of resources in the target virtual account based on the second resource information.

[0024] In a possible implementation, the processing module is further used to determine a target virtual account corresponding to the target merchant type information from multiple virtual accounts, determine at least one virtual account that matches the target merchant type information from multiple virtual accounts, and determine a virtual account with the highest priority among the at least one virtual account as the target virtual account.

[0025] In one possible embodiment, the processing module is also used to determine whether the user has consumption authority based on pre-stored information of at least one user with consumption authority before updating the quantity of resources in the target virtual account based on consumption information, and the consumption authority is used to indicate the authority to use the resources in the target virtual account for payment.

[0026] In one possible embodiment, the processing module is further used to determine that the amount of resources paid by the user to the target merchant is less than or equal to a first amount before updating the amount of resources in the target virtual account based on consumption information, and the first amount is used to indicate the maximum amount of resources that can be used in the target virtual account.

[0027] In a possible implementation, the transceiver module is further used to, after updating the quantity of resources in the target virtual account based on consumption information, if a second request message is received; the processing module is further used to determine that the quantity of resources in the target virtual account is a first threshold, then disassociate the target virtual account from the first physical account.

[0028] In a third aspect, an embodiment of the present application provides a resource processing device, comprising: at least one processor, and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the at least one processor implements a method as described in any one of the first aspects by executing the instructions stored in the memory.

[0029] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions. When the computer instructions are executed on a computer, the computer executes the method as described in any one of the first aspects.

[0030] In a fifth aspect, an embodiment of the present application provides a computer program product comprising computer instructions, wherein the computer instructions are used to enable a computer to execute the method as described in any one of the above-mentioned first aspects.

[0031] Regarding the beneficial effects of the second to fifth aspects, please refer to the content discussed in the first aspect above and will not be listed here. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] Figure 1 An application scenario diagram provided for an embodiment of the present application;

[0033] Figure 2 A flowchart of a resource processing method provided in an embodiment of the present application;

[0034] Figure 3 A flowchart of creating a virtual account provided in an embodiment of the present application;

[0035] Figure 4 A schematic diagram of a virtual account provided in an embodiment of the present application;

[0036] Figure 5 A flowchart of another method for creating a virtual account provided in an embodiment of the present application;

[0037] Figure 6 A schematic diagram of a virtual account provided in an embodiment of the present application;

[0038] Figure 7 A flowchart of a payment method for resources in a virtual account provided in an embodiment of the present application;

[0039] Figure 8 A schematic diagram of a virtual account provided in an embodiment of the present application;

[0040] Figure 9 A schematic diagram of a virtual account provided in an embodiment of the present application;

[0041] Figure 10 A structural diagram of a resource processing device provided in an embodiment of the present application;

[0042] Figure 11 A structural diagram of a resource processing device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0043] In order to better understand the technical solutions provided by the embodiments of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0044] To implement resource classification, embodiments of the present application provide a resource processing method that can be executed by a resource processing device. The resource processing device can be a server or a personal computer, for example. The server can be a virtual server or a physical server. The following describes the method using a resource processing device as an example.

[0045] In the resource processing method of the embodiment of the present application, the resource processing device can associate merchant type information with the virtual account, thereby limiting the merchant types that can use the resources in the virtual account, thereby classifying the resources during the resource usage phase. Furthermore, when a user pays for resources, the resource processing device can verify whether the merchant currently preparing to pay is allowed to use the resources in the target virtual account, thereby accurately achieving classified resource usage.

[0046] Please refer to Figure 1 , is an application scenario diagram provided by the embodiment of this application. Figure 1 As shown, the application scenario includes a resource processing device 101 , a first terminal device 102 and a second terminal device 103 .

[0047] The resource processing device 101 can communicate with the first terminal device 102 and the second terminal device 103. The implementation of the resource processing device 101 can refer to the above. The first terminal device 102 and the second terminal device 103 can both be mobile phones or tablets.

[0048] Optionally, the first terminal device 102 and the second terminal device 103 may run an application. Accordingly, the resource processing apparatus 101 may be a background server corresponding to the application.

[0049] For example, the first terminal device 102 and the second terminal device 103 may each correspond to a user. For example, when a user uses the first terminal device 102 to make a payment, the first terminal device 102 may obtain the identifier of the merchant the user is paying with and send the identifier to the resource processing device 101. The resource processing device 101 may then execute a resource processing method to generate a resource processing result. The specific content of the resource processing performed by the resource processing device 101 is described below.

[0050] Please refer to Figure 2 , which is a flowchart of a resource processing method provided in an embodiment of the present application. Figure 2 Applicable to Figure 1 The application scenario shown. Figure 2 In the embodiment shown, a resource processing method executed by a resource processing device is used as an example for explanation. Figure 2 The resource processing device in the embodiment shown is, for example, Figure 1 The resource processing device 101 in. Figure 2In the embodiment shown, the first terminal device is, for example, Figure 1 The first terminal device 102 in. Figure 2 In the embodiment shown, the first terminal device is, for example, Figure 1 The second terminal device 103 in.

[0051] S201: The resource processing device receives a target identifier, where the target identifier is used to indicate a target merchant for which a user needs to pay for resources.

[0052] For example, when a user uses a first terminal device to make a resource payment to a target merchant, the first terminal device obtains the target merchant's target identifier. For example, the first terminal device reads the target merchant's QR code to obtain the target merchant's target identifier, or the first terminal device obtains the target identifier based on user input. The target identifier indicates the target merchant to which the user wishes to pay resources. For example, the target identifier may be the merchant name or merchant organization code of the target merchant.

[0053] The first terminal device may send a target identifier to the resource processing device. After the resource processing device receives the target identifier, it is equivalent to determining that the user currently needs to pay resources to the target merchant corresponding to the target identifier.

[0054] The resources in the embodiments of the present application may be virtual resources, such as electronic funds or points.

[0055] S202: The resource processing device determines target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information.

[0056] The resource processing device may pre-store multiple merchant type information, each of which is used to indicate a merchant type. Merchant type information may include, for example, medical, education, or daily necessities. Each merchant type information is associated with one or more virtual accounts. A virtual account is associated with a certain number of resources. In other words, the resources associated with a virtual account are used for consumption at the merchant corresponding to the merchant type information associated with the virtual account. A virtual account may be, for example, a fund pool under an XXX bank card. Each virtual account may be associated with a certain number of available resources, and accordingly, each virtual account is associated with the number of resources it possesses.

[0057] After the resource processing device receives the target identifier, it can match the target merchant type information corresponding to the target identifier based on the target identifier.

[0058] In Example 1, if the target identifier is a business name, the resource processing device may perform keyword matching on the target identifier against multiple pre-stored business type information and determine the business type information with the highest degree of match for the target identifier as the target business type information. For example, if the target identifier is medical institution A, the resource processing device finds that the target identifier has the highest degree of match with the pre-stored business type information "Medical," and therefore determines that the business type information corresponding to target identifier A is "Medical."

[0059] Example 2: When the target identifier is a merchant organization code, the resource processing device can identify the merchant type code in the merchant organization code, determine the merchant type corresponding to the merchant type code from the pre-stored multiple merchant type information, and determine the merchant type as the target merchant type information. In this case, the pre-stored multiple merchant type information can be a merchant type code comparison table. For example, the target identifier is "XXXXXXX8099XXXX", and the merchant type code identified by the resource device in the merchant organization code is "8099". The resource device matches "8099" with the pre-stored merchant type code comparison table and determines that the merchant type corresponding to "8099" is "education". Therefore, the target merchant type information corresponding to the target identifier is determined to be "education".

[0060] S203: The resource processing device determines a target virtual account corresponding to the target merchant type information from the multiple virtual accounts.

[0061] Since each merchant type information is associated with one or more virtual accounts, after the resource processing device determines the target merchant type information, it can determine the target virtual account corresponding to the target merchant type information.

[0062] S204: The resource processing device updates the quantity of resources in the target virtual account according to the consumption information.

[0063] After determining the target virtual account, the first terminal device can request the resource processing device to pay the resources in the target virtual account to the target merchant. After the payment is successful, the first terminal device can generate consumption information for this payment and send the consumption information to the resource processing device. The consumption information indicates the amount of resources paid from the target virtual account to the target merchant.

[0064] The resource processing device updates the resource quantity in the target virtual account based on the received consumption information. For example, the resource processing device subtracts the resource quantity indicated by the consumption information from the resource quantity in the target virtual account to obtain the updated resource quantity in the target virtual account.

[0065] exist Figure 2In the illustrated embodiment, the resource processing device can implement categorized resource usage by associating merchant type information with virtual accounts. Furthermore, when a user performs a payment operation, the resource processing device can determine the target merchant type information and associate it with the target virtual account, thereby accurately implementing categorized resource usage.

[0066] Before a user uses resources in a target virtual account, the resource processing device needs to create a target virtual account. The following is an example of how to create a target virtual account.

[0067] In a first method of creating a target virtual account, the resource processing device creates a target virtual account according to first resource information, wherein the first resource information is used to indicate the amount of resources transferred by the first resource provider.

[0068] For example, a user inputs a resource application on a third terminal device of a first resource provider. The third terminal device is, for example, a personal computer or a mobile phone. The first resource provider may be a bank or other institution. The third terminal device generates third request information based on the received resource application. The third request information is used to indicate the user's request for resources from the first resource provider. The third terminal device sends the request information to the resource processing device. After the resource processing device determines that the request information has been verified, the first resource provider transfers the resources to an entity account associated with the user through the third terminal device, which is equivalent to the resource processing device receiving the first resource information. The resource processing device receives the first resource information and creates a target virtual account.

[0069] Method 1 is equivalent to a virtual account passively created by the user, so the type of the target virtual account created in method 1 can be regarded as a user-passive initiated type.

[0070] After creating the target virtual account, the resource processing device stores the resource quantity indicated by the first resource information into the target virtual account, and updates the resource quantity in the target virtual account to the resource quantity indicated by the first resource information.

[0071] Because the third terminal device of the first resource provider can associate the first resource information with the first scenario information, the resource processing device, upon receiving the first resource information, also receives the first scenario information. The first scenario information is used to indicate at least one merchant type that the target virtual account can make payments to, where the at least one merchant type includes the target merchant type. After creating the target virtual account based on the first scenario information, the resource processing device can associate the first scenario information with the target virtual account.

[0072] For example, the first scenario information is used to indicate the usage scenario of resources in the target virtual account. Since the first scenario information indicates at least one merchant type, after obtaining the first scenario information, the resource processing device can also determine at least one merchant type information associated with the target virtual account from multiple pre-stored merchant type information. This at least one merchant type information is also associated with the first scenario information.

[0073] The following takes the first resource provider as an organization corresponding to the resource processing device and the resource as funds as an example to illustrate the process of creating a target virtual account using the first method.

[0074] Please refer to Figure 3 , which is a flowchart of creating a virtual account provided in an embodiment of the present application.

[0075] S301: The resource processing device receives third request information.

[0076] For example, a user enters information on a third-party terminal device requesting funds. For example, if a user needs to apply for a loan to purchase a car, they can apply for a car loan on the third-party terminal device. The third-party terminal device generates third request information based on this information and sends the third request information to the resource processing device. The meaning of the third request information is described above. Optionally, the third request information also includes the user's identity information and entity account information.

[0077] S302: The resource processing device determines whether the third request information is verified successfully.

[0078] The resource processing device verifies that the user is qualified to apply for funds, and after the verification is passed, the resource processing device transfers funds to the user's physical account through the third terminal device.

[0079] S303: The resource processing device receives the first resource information and creates a target virtual account.

[0080] exist Figure 3 The first resource information specifically includes the amount of funds transferred by the first resource provider.

[0081] Optionally, the resource processing device may also determine that the funds are transferred in by a first resource provider, such as a bank.

[0082] S304: The resource processing device updates the amount of funds in the target virtual account according to the first resource information.

[0083] The resource processing device deposits the transferred funds into the virtual account and updates the amount of funds in the target virtual account.

[0084] S305: The resource processing device receives the first scenario information and associates the first scenario information with the target virtual account.

[0085] For the information source and meaning of the first scenario, please refer to the previous text.

[0086] In one possible implementation, the first scenario information is further associated with merchant type information of prohibited merchant types, which for ease of distinction is referred to herein as prohibited merchant type information. Based on the prohibited merchant type information, the resource processing device uses merchant type information other than the prohibited merchant type information among the multiple merchant type information as at least one merchant type information associated with the target virtual account.

[0087] In a second method of creating a target virtual account, the resource processing device receives a first request message and generates a target virtual account. The first request message is used to request the creation of the target virtual account.

[0088] For example, a user enters information on a first terminal device to request the creation of a target virtual account. The first terminal device generates a first request based on the information and sends the first request to the resource processing device. The resource processing device receives the first request and generates a target virtual account.

[0089] The second method is equivalent to the user actively requesting to create a target virtual account, so the type of the target virtual account created in the second method can be regarded as the user actively initiated type.

[0090] In one possible implementation, the user may further input second scenario information on the first terminal device. The second scenario information is used to indicate at least one merchant type that the target virtual account can use for payment. The meaning of the at least one merchant type is described above. The first terminal device transmits the second scenario information to the resource processing device. In response, the resource processing device receives the second scenario information and associates the second scenario information with the target virtual account.

[0091] In the second approach described above, after the target virtual account is created, the target virtual account has not yet been associated with any resources. This lack of associated resources can be understood as the number of resources in the target virtual account being zero. In one possible implementation, the resource processing device can determine the number of resources in the target virtual account based on the resources transferred by the second resource provider.

[0092] Specifically, the second resource provider transfers resources to the resource processing apparatus via the second terminal device, which is equivalent to the second terminal device sending second resource information to the resource processing apparatus. The resource processing apparatus receives the second resource information and, based on the second resource information, updates the quantity of resources in the target virtual account to the quantity of resources after the transfer. The second resource information indicates the quantity of resources transferred by the second resource provider.

[0093] In a possible implementation manner, before receiving the second resource information, the resource processing device may further verify the resource transfer authority of the second resource provider.

[0094] The resource processing device may pre-store resource transfer permission information, and the resource processing device may determine whether the second resource provider has resource transfer permission based on the resource transfer permission information. The resource transfer permission information is used to indicate at least one user with permission to transfer resources to the target virtual account. The resource transfer permission information may be received by the resource processing device from a device associated with at least one resource provider. Alternatively, it may be determined based on user input. If the second resource provider has resource transfer permission, the second resource information is received. If the second resource provider does not have resource transfer permission, the update of the resources in the target virtual account is denied.

[0095] The resource transfer permission information may be represented by identity information of at least one resource provider, such as name, ID number, or phone number.

[0096] In a possible implementation, the second scenario information may be associated with prohibited merchant type information. The meaning of the prohibited merchant type information may be referred to above.

[0097] Regardless of whether the target virtual account is created using the above-mentioned method 1 or method 2, after the target virtual account is generated, the resource processing device may further associate the target virtual account with a consumption authority. The consumption authority is used to indicate the authority to use the resources in the target virtual account for payment.

[0098] Specifically, the resource processing device associates the consumption permissions of the target virtual account based on the received consumption permission information. The consumption permission information may be identity information of at least one resource provider, such as name, ID number, or phone number. The consumption permission information may be received by the resource processing device from a device associated with at least one resource provider, or may be determined based on user input.

[0099] In one possible implementation, regardless of whether the target virtual account is created using the first or second method, the resource processing device may associate the target virtual account with its attribute information. The attribute information includes, but is not limited to, the name, type, number, and opening date of the target virtual account. The attribute information may be received by the resource processing device from the first terminal device or the third terminal device, or determined by the resource processing device itself.

[0100] The name of the target virtual account can be the content indicated by the first scenario information or the second scenario information. The type of the target virtual account indicates whether the target virtual account is passively initiated by the user or actively initiated by the user. The number of the target virtual account indicates a unique number under the entity account, for example, it can be determined based on the order in which the target virtual account was created under the entity account. The opening date of the target virtual account is the date on which the target virtual account was created.

[0101] Please refer to Figure 4 , is a schematic diagram of a virtual account in an embodiment of the present application. Figure 4 As shown, the virtual account includes the XX loan fund pool and the healthcare fund pool. Each fund pool has corresponding fund amount and attribute information. The fund amount of the XX loan fund pool is X,XXX,XXX.XX, and the specific opening date of the XX loan fund pool is 2013 / 07 / 16. The fund amount of the healthcare fund pool is XXX.XX, and the specific opening date of the healthcare fund pool is 2013 / 08 / 03.

[0102] The following uses funds as an example to illustrate the process of creating a target virtual account using method 2. Figure 5 , which is another flowchart of creating a virtual account provided in an embodiment of the present application.

[0103] S501: The resource processing device receives first request information.

[0104] The meaning of the first request message and the content of the first request message received by the resource processing device can be found in the previous text. For example, the first request message is specifically used to request the creation of a target virtual account under a physical account. The physical account is associated with multiple users, meaning that multiple users can use the resources in the physical account.

[0105] S502: The resource processing device generates a target virtual account based on the first request information.

[0106] Since the target virtual account is associated with the physical account, and the physical account is associated with multiple users, the resource processing device can determine to set the multiple users to have the consumption authority of the target virtual account according to the user's setting operation.

[0107] S503: The resource processing device receives the second scenario information and associates the second scenario information with the target virtual account.

[0108] The user inputs the second scene information on the first terminal device. The meaning and determination method of the second scene information can refer to the above. The first terminal device sends the second scene information to the resource processing device.

[0109] S504: The resource processing device receives the resource transfer permission information and associates the resource transfer permission information with the target virtual account.

[0110] The meaning of resource transfer permission information can be found in the previous text.

[0111] S505: The resource processing device receives the second resource information and updates the amount of funds in the target virtual account.

[0112] The second resource information is used to indicate the amount of funds transferred by the second resource provider.

[0113] The resource processing device updates the amount of funds in the target virtual account to the amount of funds received based on the second resource information. Figure 6 , is a schematic diagram of a virtual account provided in an embodiment of the present application. Figure 6 As shown, a family account (i.e., an entity account) is associated with multiple fund pools, specifically the parent support fund pool, the family financial management fund pool, the family living expenses fund pool, the medical and health fund pool, and the education fund pool.

[0114] After creating a target virtual account and associating the amount of resources, the target virtual account can be used to perform payment operations. When performing a payment operation, since there may be multiple virtual accounts that match the target merchant type information that matches the target identifier, in this embodiment of the application, the resource processing device can also determine the target virtual account based on the priority of the virtual account. Each virtual account has a priority, which is the order priority of the virtual account payment resources.

[0115] Specifically, when the resource processing device determines multiple virtual accounts, it determines the virtual account with the highest priority as the target virtual account. After the resource processing device determines the target virtual account, it needs to pay resources to the target merchant.

[0116] Please refer to Figure 7 , which is a flowchart of paying resources in a virtual account provided in an embodiment of the present application.

[0117] S701: The resource processing device determines whether the user has consumption authority for the target virtual account.

[0118] Specifically, the resource processing device identifies the identity information of the user through the second terminal device, and matches the identified identity information with the pre-stored consumption authority information. If it is determined that the user has consumption authority, S702 is executed, that is, the resource processing device determines whether the number of resources is less than or equal to the first number of the target virtual account; if it is determined that the user does not have consumption authority, S705 is executed, and the resource processing device interrupts the payment operation.

[0119] Specifically, the second terminal device sends the resource quantity information that the target virtual account needs to pay to the target merchant to the resource processing device. The resource quantity information is used to indicate the resource quantity that needs to be paid to the target merchant. The resource processing device determines whether the resource quantity is less than or equal to the first quantity based on the received resource quantity information. The first quantity is the maximum number of resources that can be used in the target virtual account. If it is determined that the resource quantity is less than or equal to the first quantity, S704 is executed, that is, the payment is determined to be successful; if it is determined that the resource quantity is greater than the first quantity, S703 is executed, that is, whether the resource quantity is less than or equal to the second quantity of the physical account. The second quantity is the maximum number of resources that can be used in the physical account. If it is determined that the resource quantity is less than or equal to the second quantity, the second terminal device uses the resources in the physical account to pay the target merchant; if it is determined that the resource quantity is greater than the second quantity, S705 is executed. The content of S705 can be referred to the previous text.

[0120] It should be noted that S703 is an optional step. For example, when the resource processing device determines that the number of resources is greater than the first number, step S705 can be directly executed.

[0121] In a possible implementation, after updating the resource amount in the target virtual account according to the consumption information, the resource processing device may further record the consumption information in the target virtual account and the physical account. The consumption information is used to indicate the resource amount paid by the user to the target merchant.

[0122] Specifically, after a user completes a payment operation through a second terminal device, the second terminal device transmits the consumption information to the resource processing device, which then records the received consumption information in the target virtual account. Based on the consumption information, the resource processing device updates the target virtual account's resource quantity, effectively determining the remaining available resources in the target virtual account, also known as the balance. Optionally, the resource processing device can also generate a detailed usage statement for this consumption based on the consumption information.

[0123] The resource processing device sends the target virtual account's balance and usage details to the second terminal device, so that the user can view the target virtual account's balance and usage details from the second terminal device and other terminal devices, where the other terminal devices are, for example, terminals corresponding to users with spending authority for the target virtual account.

[0124] Please refer to Figure 8 , Figure 8 A schematic diagram of a virtual account provided in an embodiment of the present application. Figure 8 It can also be understood as a schematic diagram of the usage details of a target virtual account. Figure 8As shown, it includes detailed usage records of the family living expenses fund pool. This usage details specifically includes payment records for the family living expenses fund pool and expenditure records for each family member (also known as family dynamics). The family living expenses fund pool payment records include: XXX.XX payment to XXX Water Company on August 30, 2013, and XXX.XX payment to XXX Power Supply Bureau on September 1, 2013. Family dynamics include a medical expense for Family Member 2 on September 3, 2013, an electricity expense for Family Member 2 on September 1, 2013, and a water expense for Family Member 1 on August 30, 2013.

[0125] Please refer to Figure 9 , Figure 9 A schematic diagram of a virtual account provided in an embodiment of the present application. Figure 9 It can also be understood as a schematic diagram of the usage details of a target virtual account. Figure 9 As shown, the resources of the target virtual account are used for household payment. Figure 9 The detailed usage of household payments is displayed. This is shown in a pie chart, which shows the amounts of funds consumed for living expenses, medical expenses, and investment and wealth management, respectively: XXX.XX, XXX.XX, and XXXX.XX. The detailed usage of household payments is also displayed in a bar chart, with the horizontal axis representing the month and the vertical axis representing the amount of funds consumed. The bar chart shows the amount of funds consumed for living expenses from January to May.

[0126] In one possible implementation, the target virtual account physical card may also be associated with a physical medium, such as a physical card, wherein the physical medium can only drive resources in the target virtual account, and the physical card has the same attributes as the target virtual account.

[0127] In one possible implementation, after creating a target virtual account, the user may decide not to use the target virtual account. In this case, the resource processing device may deregister the target virtual account. Deregistering the target virtual account can be understood as disassociating the target virtual account from the first entity account. This can be achieved by deleting the target virtual account information. The deregistration method is described below.

[0128] In the first cancellation method, the resource processing device may determine to cancel the target virtual account when detecting that the amount of resources in the target virtual account reaches a first threshold.

[0129] The first cancellation method is applicable to the case where the target virtual account is passively initiated by the user.

[0130] In a second cancellation method, if the resource processing device receives the second request information and determines that the number of resources in the target virtual account is equal to the first threshold, the target virtual account is cancelled. The second request information is used to indicate a user's request to actively disassociate the target virtual account from the first physical account.

[0131] For example, a user inputs information on a first terminal device requesting cancellation of a target virtual account. The first terminal device generates a second request message based on the information and sends the second request message to the resource processing device. After receiving the second request message, the resource processing device determines whether the number of resources in the target virtual account is a first threshold. If it is determined that the number of resources in the target virtual account is the first threshold, the target virtual account is cancelled. If the number of resources in the target virtual account is not the first threshold, the resource processing device sends a prompt message to the first terminal device, which indicates that the user cannot currently cancel the account and cancels the operation of canceling the target virtual account.

[0132] The second cancellation method is applicable to the case where the target virtual account is initiated by the user.

[0133] The embodiment of the present application also provides a resource processing device, which can realize Figure 2 Please refer to the resource processing device in Figure 10 , is a structural diagram of a resource processing device according to an embodiment of the present application. The resource processing device 1001 includes a transceiver module 1002 and a processing module 1003 .

[0134] For example, transceiver module 1002 is configured to receive a target identifier, which indicates a target merchant for which a user is to pay for resources; and also to receive consumption information, which indicates the amount of resources the user has paid to the target merchant. Processing module 1003 is configured to determine target merchant type information corresponding to the target identifier; and further to determine, from multiple virtual accounts, a target virtual account corresponding to the target merchant type; wherein a virtual account is associated with at least one of the multiple merchant types, a virtual account is associated with at least one resource, and multiple virtual accounts are all associated with the first entity account; and further to update the amount of resources in the target virtual account based on the consumption information.

[0135] In one possible implementation, the transceiver module 1002 is further used to receive first resource information associated with the first entity account before determining the target virtual account corresponding to the target merchant type information from multiple virtual accounts, where the first resource information is used to indicate the quantity of resources transferred in by the first resource provider; the processing module 1003 is further used to determine first scenario information based on the first resource information, and generate a target virtual account associated with the first scenario information, where the first scenario information is used to indicate at least one merchant type that the target virtual account can pay, and the at least one merchant type includes the target merchant type; based on the first resource information, the quantity of resources in the target virtual account is updated.

[0136] In one possible implementation, the transceiver module 1002 is further used to receive a first request message and a second scenario information before determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts; the processing module 1003 is further used to generate a target virtual account, the first request message is used to request the creation of a target virtual account, and to associate the second scenario information with the target virtual account, the second scenario information is used to indicate at least one merchant type information that the target virtual account can use for payment, and the at least one merchant type information includes the target merchant type information.

[0137] In one possible implementation, the transceiver module 1002 is further used to receive second resource information, where the second resource information is used to indicate the quantity of resources transferred in by the second resource provider; the processing module 1003 is further used to determine whether the second resource provider has resource transfer authority for the target virtual account, where the resource transfer authority is used to indicate authority to transfer resources to the target virtual account, and to update the quantity of resources in the target virtual account based on the second resource information.

[0138] In one possible implementation, the processing module 1003 is further used to determine a target virtual account corresponding to the target merchant type information from multiple virtual accounts, determine at least one virtual account that matches the target merchant type information from the multiple virtual accounts, and determine a virtual account with the highest priority among the at least one virtual account as the target virtual account.

[0139] In one possible embodiment, the processing module 1003 is also used to determine whether the user has consumption authority based on pre-stored information of at least one user with consumption authority before updating the quantity of resources in the target virtual account based on consumption information. The consumption authority is used to indicate the authority to use the resources in the target virtual account for payment.

[0140] In one possible implementation, the processing module 1003 is further used to determine that the amount of resources paid by the user to the target merchant is less than or equal to a first amount before updating the amount of resources in the target virtual account based on consumption information, where the first amount is used to indicate the maximum amount of resources that can be used in the target virtual account.

[0141] In one possible implementation, the transceiver module 1002 is further used to, after updating the quantity of resources in the target virtual account based on the consumption information, if a second request message is received; the processing module 1003 is further used to determine that the quantity of resources in the target virtual account is a first threshold, then disassociate the target virtual account from the first physical account.

[0142] This application embodiment provides a resource processing device, please refer to Figure 11 , Figure 11 A structural diagram of a resource processing device provided in an embodiment of the present application.

[0143] The resource processing device 1101 includes: at least one processor 1102 and a memory 1103 communicatively connected to the at least one processor 1102 .

[0144] Exemplarily, the memory 1103 stores instructions that can be executed by at least one processor 1102, and the at least one processor 1102 implements the following by executing the instructions stored in the memory 1103: Figure 2 Any one of the resource processing methods shown.

[0145] As an embodiment, the processing module 1003 in the resource processing device 1001 described above may be implemented by the processor 1102 in the embodiment of the present application.

[0146] It should be noted that Figure 11 In the example, one processor 1102 is set, but the number of processors 1102 is not limited in practice.

[0147] The embodiment of the present application provides a computer-readable storage medium, which stores computer instructions. When the computer instructions are executed on a computer, the computer executes the following Figure 2 Any one of the resource processing methods shown.

[0148] The present invention provides a computer program product including computer instructions for causing a computer to execute the following Figure 2 Any one of the resource processing methods shown.

[0149] Those skilled in the art will appreciate that the embodiments of the present application can be provided as methods, systems, or computer program products. Therefore, the present application can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0150] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0151] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0152] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0153] Obviously, those skilled in the art may make various changes and modifications to this application without departing from the spirit and scope of this application. Thus, if these modifications and variations of this application fall within the scope of the claims of this application and their equivalents, this application is intended to include these modifications and variations.

Claims

1. A resource processing method, characterized in that: include: Receive a target identifier, where the target identifier is used to indicate a target merchant to which the user needs to pay resources; Determining target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information; Determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, wherein one virtual account is associated with at least one of the plurality of merchant type information, one virtual account is associated with at least one resource, and the plurality of virtual accounts are all associated with the first entity account; updating the amount of resources in the target virtual account according to the consumption information, wherein the consumption information is used to indicate the amount of resources paid by the user to the target merchant; Before determining a target virtual account corresponding to the target merchant type information from a plurality of virtual accounts, the method further includes: receiving third request information, where the third request information is used to indicate a request to apply for resources from the first resource provider; When it is determined that the third request information is verified successfully, receiving first resource information associated with the first entity account, where the first resource information is used to indicate the amount of resources transferred in by the first resource provider; Determining first scenario information based on the first resource information, and generating the target virtual account associated with the first scenario information, wherein the first scenario information is used to indicate at least one merchant type that the target virtual account can pay with, the at least one merchant type including the target merchant type; Based on the first resource information, the resource quantity in the target virtual account is updated.

2. The method according to claim 1, characterized in that Before determining the target virtual account corresponding to the target merchant type information from the plurality of virtual accounts, the method further includes: Receive first request information and generate the target virtual account, wherein the first request information is used to request creation of the target virtual account; Second scenario information is received and associated with the target virtual account, wherein the second scenario information is used to indicate at least one merchant type that the target virtual account can pay with, and the at least one merchant type includes the target merchant type.

3. The method according to claim 1, characterized in that The method further comprises: receiving second resource information, where the second resource information is used to indicate the amount of resources transferred by the second resource provider; Determining that the second resource provider has resource transfer permission for the target virtual account, where the resource transfer permission is used to indicate permission to transfer resources to the target virtual account; The resource quantity in the target virtual account is updated according to the second resource information.

4. The method according to claim 1, wherein Each of the plurality of virtual accounts has a priority, and the priority of the virtual account is a priority of expenditure resources; Determining a target virtual account corresponding to the target merchant type information from the plurality of virtual accounts includes: Determining at least one virtual account matching the target merchant type information from the multiple virtual accounts; A virtual account with the highest priority among the at least one virtual account is determined as the target virtual account.

5. The method according to any one of claims 1 to 4, characterized in that Before updating the resource quantity in the target virtual account according to the consumption information, the method further includes: According to pre-stored information of at least one user with consumption authority, it is determined that the user has consumption authority, where the consumption authority is used to indicate authority to use resources in the target virtual account for payment.

6. The method according to claim 1, wherein Before updating the resource quantity in the target virtual account according to the consumption information, the method further includes: It is determined that the amount of resources paid by the user to the target merchant is less than or equal to a first amount, where the first amount is used to indicate a maximum amount of resources that can be used in the target virtual account.

7. The method according to any one of claims 1 to 4, characterized in that After updating the resource quantity in the target virtual account according to the consumption information, the method further includes: If a second request message is received and it is determined that the number of resources in the target virtual account is the first threshold, the association between the target virtual account and the first entity account is released, and the second request message is used to request deletion of the target virtual account; or If it is determined that the amount of resources in the target virtual account is equal to the first threshold, the association between the target virtual account and the first entity account is released.

8. A resource processing device, characterized in that: include: A transceiver module, configured to receive the target identifier, wherein the target identifier is used to indicate a target merchant to which the user needs to pay for resources; a processing module, configured to determine the target merchant type information corresponding to the target identifier from a plurality of pre-stored merchant type information, and to determine the target virtual account corresponding to the target merchant type from the plurality of virtual accounts; wherein one virtual account is associated with at least one of the plurality of merchant type information, one virtual account is associated with at least one resource, and the plurality of virtual accounts are all associated with a first entity account; and, based on the consumption information, to update the amount of resources in the target virtual account, wherein the consumption information is used to indicate the amount of resources paid by the user to the target merchant. The processing module is further configured to receive third request information, the third request information being used to indicate a request for resources from the first resource provider; upon determining that the third request information has been verified, receive first resource information associated with the first entity account, the first resource information being used to indicate the amount of resources transferred from the first resource provider; determine first scenario information based on the first resource information, and generate the target virtual account associated with the first scenario information, the first scenario information being used to indicate at least one merchant type that the target virtual account can pay, the at least one merchant type including the target merchant type; Based on the first resource information, the resource quantity in the target virtual account is updated.

9. A resource processing device, characterized in that: include: at least one processor, and a memory communicatively coupled to the at least one processor; The memory stores instructions that can be executed by the at least one processor, and the at least one processor implements the method according to any one of claims 1 to 7 by executing the instructions stored in the memory.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and when the computer instructions are executed on a computer, the computer is caused to perform the method according to any one of claims 1 to 7.

11. A computer program product, characterized in that The method comprises computer instructions, wherein the computer instructions are used to cause a computer to execute the method according to any one of claims 1 to 7.

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