A virtual resource processing method and device, electronic equipment and storage medium

Abstract

The present disclosure relates to a virtual resource processing method and device, electronic equipment and storage medium. The method comprises: after a resource change request sent by a first resource account to a second resource account, based on the to-be-processed virtual resource corresponding to the resource change request, performing resource change processing on the virtual resource in a resource transfer account corresponding to the second resource account; and after a resource allocation request is sent by the second resource account or an application platform account corresponding to a target application, based on the virtual resource in the resource transfer account, allocating the to-be-allocated virtual resource corresponding to the resource allocation request to the second resource account or the application platform account corresponding to the target application, wherein the resource transfer account and the second resource account are resource accounts in the target application. The method can perform unified payment, refund and settlement operations for different payment channels, thereby reducing the understanding cost of virtual resource processing business and improving the generality and effectiveness of virtual resource processing.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of Internet, and particularly relates to a virtual resource processing method and device, electronic equipment and storage medium. BACKGROUND

[0002] With the popularity of live broadcast e-commerce, more and more individuals or companies enter the live broadcast e-commerce industry as merchants. Users watch live broadcast to purchase interested and cheap goods, and merchants can obtain the amount of goods, and the platform will also charge a platform commission. In the related art, for different payment channels, the live broadcast purchase business will process virtual resources based on different processing modes. For example, for a first payment channel, after the user pays, the amount can be frozen in the merchant account, and when the account is needed to be divided, the account is unfrozen, and the merchant account and the platform account are divided. For a second payment channel, after the user pays, the amount can be settled to the merchant account and the platform account respectively, thus resulting in high cost of business processing, business maintenance and business understanding, and because the cost of business understanding is high, the generality of the virtual resource processing mode is low. SUMMARY

[0003] The present disclosure provides a virtual resource processing method, device, electronic equipment and storage medium to at least solve the problem of low generality of the virtual resource processing mode in the related art. The technical solutions of the present disclosure are as follows:

[0004] According to a first aspect of an embodiment of the present disclosure, a virtual resource processing method is provided, and the method comprises:

[0005] In response to a resource change request sent by a first resource account for a second resource account, performing resource change processing on virtual resources in a resource transfer account corresponding to the second resource account based on to-be-processed virtual resources corresponding to the resource change request.

[0006] In response to a resource allocation request sent by a third resource account, allocating to-be-allocated virtual resources corresponding to the resource allocation request to the third resource account based on virtual resources in the resource transfer account, the resource transfer account and the second resource account being resource accounts in a target application, and the third resource account being the second resource account or an application platform account corresponding to the target application.

[0007] As an optional embodiment, the resource change request comprises a resource addition request, and the response to the resource change request sent by the first resource account for the second resource account, and the resource change processing on the virtual resources in the resource transfer account corresponding to the second resource account based on the to-be-processed virtual resources corresponding to the resource change request comprises:

[0008] in response to the resource addition request sent by the first resource account for the second resource account, adding the to-be-processed virtual resource corresponding to the resource addition request into the virtual resource in the resource transfer account.

[0009] As an optional embodiment, the first resource operation information includes a resource deletion request, and in response to the resource change request sent by the first resource account for the second resource account, the resource change processing on the virtual resource in the resource transfer account corresponding to the second resource account based on the to-be-processed virtual resource corresponding to the resource change request includes:

[0010] in response to the resource deletion request sent by the first resource account for the second resource account, deleting the to-be-processed virtual resource corresponding to the resource deletion request from the virtual resource in the resource transfer account.

[0011] As an optional embodiment, in the case that the third resource account is an application platform account, the response to the resource allocation request sent by the third resource account, based on the virtual resource in the resource transfer account, allocating the to-be-allocated virtual resource corresponding to the resource allocation request to the third resource account includes:

[0012] in response to the resource allocation request corresponding to the application platform account, determining the first to-be-allocated virtual resource corresponding to the application platform account from the virtual resource in the resource transfer account;

[0013] sending the first to-be-allocated virtual resource to the application platform account and deleting the first to-be-allocated virtual resource from the virtual resource in the resource transfer account.

[0014] As an optional embodiment, in the case that the third resource account is a second resource account, the response to the resource allocation request sent by the third resource account, based on the virtual resource in the resource transfer account, allocating the to-be-allocated virtual resource corresponding to the resource allocation request to the third resource account includes:

[0015] in response to the resource allocation request corresponding to the second resource account, determining the second to-be-allocated virtual resource corresponding to the second resource account from the virtual resource in the resource transfer account;

[0016] sending the second to-be-allocated virtual resource to the second resource account and deleting the second to-be-allocated virtual resource from the virtual resource in the resource transfer account.

[0017] As an optional embodiment, the method further includes:

[0018] determining, from the virtual resources in the second resource account, the virtual resources to be transferred in response to the resource transfer request corresponding to the fourth resource account;

[0019] sending the virtual resources to be transferred to the fourth resource account, and deleting the virtual resources to be transferred from the virtual resources in the second resource account, the fourth resource account being a resource account external to the target application.

[0020] According to a second aspect of the embodiments of the present disclosure, a virtual resource processing apparatus is provided, and the apparatus comprises:

[0021] a virtual resource changing module configured to perform, in response to a resource changing request sent by a first resource account and directed to a second resource account, resource changing processing on the virtual resources in a resource transfer account corresponding to the second resource account based on virtual resources to be processed corresponding to the resource changing request.

[0022] a virtual resource allocation module configured to perform, in response to a resource allocation request sent by a third resource account, allocation of virtual resources to be allocated corresponding to the resource allocation request to the third resource account based on the virtual resources in the resource transfer account, the resource transfer account and the second resource account being resource accounts in a target application, and the third resource account being the second resource account or an application platform account corresponding to the target application.

[0023] As an optional embodiment, the resource changing request comprises a resource adding request, and the virtual resource changing module comprises:

[0024] a resource adding unit configured to perform, in response to a resource adding request sent by the first resource account and directed to the second resource account, addition of virtual resources to be processed corresponding to the resource adding request to the virtual resources in the resource transfer account.

[0025] As an optional embodiment, the first resource operation information comprises a resource deletion request, and the virtual resource changing module comprises:

[0026] a resource deleting unit configured to perform, in response to a resource deletion request sent by the first resource account and directed to the second resource account, deletion of virtual resources to be processed corresponding to the resource deletion request from the virtual resources in the resource transfer account.

[0027] As an optional embodiment, in a case where the third resource account is an application platform account, the virtual resource allocation module comprises:

[0028] The first to-be-allocated resource determining module is configured to determine, in response to a resource allocation request corresponding to the application platform account, first to-be-allocated virtual resources corresponding to the application platform account from virtual resources in the resource transfer account.

[0029] The first resource allocation module is configured to send the first to-be-allocated virtual resources to the application platform account and delete the first to-be-allocated virtual resources from the virtual resources in the resource transfer account.

[0030] As an optional embodiment, in a case where the third resource account is a second resource account, the virtual resource allocation module includes:

[0031] The second to-be-allocated resource determining module is configured to determine, in response to a resource allocation request corresponding to the second resource account, second to-be-allocated virtual resources corresponding to the second resource account from virtual resources in the resource transfer account.

[0032] The second resource allocation module is configured to send the second to-be-allocated virtual resources to the second resource account and delete the second to-be-allocated virtual resources from the virtual resources in the resource transfer account.

[0033] As an optional embodiment, the apparatus further includes:

[0034] The to-be-transferred resource determining module is configured to determine, in response to a resource transfer request corresponding to a fourth resource account, to-be-transferred virtual resources from the virtual resources in the second resource account.

[0035] The resource transfer module is configured to send the to-be-transferred virtual resources to the fourth resource account and delete the to-be-transferred virtual resources from the virtual resources in the second resource account, the fourth resource account being a resource account outside the target application.

[0036] According to a third aspect of embodiments of the present disclosure, an electronic device is provided, including:

[0037] a processor;

[0038] a memory for storing instructions executable by the processor;

[0039] The processor is configured to execute the instructions to implement the virtual resource processing method described above.

[0040] According to a fourth aspect of embodiments of the present disclosure, a computer-readable storage medium is provided, when instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the virtual resource processing method described above.

[0041] According to a fifth aspect of the embodiments of the present disclosure, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the virtual resource processing method described above.

[0042] The technical solutions provided by the embodiments of the present disclosure at least have the following beneficial effects:

[0043] After the first resource account sends a resource change request for the second resource account, the virtual resources in the resource transfer account corresponding to the second resource account can be changed based on the to-be-processed virtual resources corresponding to the resource change request. After the application platform account corresponding to the second resource account or the target application sends a resource allocation request, the to-be-allocated virtual resources corresponding to the resource allocation request can be allocated to the application platform account corresponding to the second resource account or the target application based on the virtual resources in the resource transfer account, wherein the resource transfer account and the second resource account are resource accounts in the target application. The method can perform unified payment, refund, and settlement operations for different payment channels, thereby reducing the understanding cost of virtual resource processing business and improving the generality and effectiveness of virtual resource processing.

[0044] It should be understood that the foregoing general description and the following detailed description are only exemplary and explanatory, and cannot limit the present disclosure. BRIEF DESCRIPTION OF DRAWINGS

[0045] The accompanying drawings, which are incorporated into and form part of the specification, illustrate embodiments consistent with the present disclosure and, together with the specification, serve to explain the principles of the present disclosure, and do not constitute an undue limitation on the present disclosure.

[0046] Figure 1 is an application scenario schematic diagram of a virtual resource processing method according to an exemplary embodiment.

[0047] Figure 2 is a flowchart of a virtual resource processing method according to an exemplary embodiment.

[0048] Figure 3 is an interaction schematic diagram between the first resource account and the resource transfer account when the payment is successful in a virtual resource processing method according to an exemplary embodiment.

[0049] Figure 4 is an interaction schematic diagram between the first resource account and the resource transfer account when the payment is successful in a virtual resource processing method according to an exemplary embodiment.

[0050] Figure 5 is a flowchart of a virtual resource processing method for allocating resources to an application platform account according to an exemplary embodiment.

[0051] Figure 6 is a virtual resource processing method according to an exemplary embodiment. The figure shows the interaction between the platform account and the resource transfer account when the platform is accounting.

[0052] Figure 7 is a flowchart of a virtual resource processing method according to an exemplary embodiment. The figure shows the resource allocation of the second resource account.

[0053] Figure 8 is a virtual resource processing method according to an exemplary embodiment. The figure shows the interaction between the second resource account and the resource transfer account when the platform is accounting.

[0054] Figure 9 is a flowchart of a virtual resource processing method according to an exemplary embodiment. The figure shows the virtual resource transfer operation.

[0055] Figure 10 is a block diagram of a virtual resource processing device according to an exemplary embodiment.

[0056] Figure 11 is a block diagram of an electronic device according to an exemplary embodiment. (General structure of a server). DETAILED DESCRIPTION

[0057] In order to make the ordinary people in the art better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be described clearly and completely below in conjunction with the drawings.

[0058] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Rather, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the appended claims.

[0059] Figure 1Fig. 1 is a schematic diagram of an application scenario of a virtual resource processing method according to an example embodiment. The application scenario includes a client 110 and a server 120. The client 110 can be a client corresponding to a first resource account or a third resource account. The client 110 corresponding to the first resource account sends a resource change request for a second resource account. The server 120 receives the resource change request and, based on a to-be-processed virtual resource corresponding to the resource change request, performs resource change processing on a virtual resource in a resource transfer account corresponding to the second resource account. The third resource account sends a resource allocation request. The server 120 receives the resource allocation request and, based on the virtual resource in the resource transfer account, allocates a to-be-allocated virtual resource corresponding to the resource allocation request to the client 110 corresponding to the third resource account.

[0060] In the embodiments of the present disclosure, the client 110 includes an entity device such as a smart phone, a desktop computer, a tablet computer, a notebook computer, a digital assistant, a smart wearable device, and the like. The client 110 can also include software such as an application program running in the entity device. The operating system running on the entity device in the embodiments of the present disclosure can include, but is not limited to, an Android system, an IOS system, Linux, Unix, Windows, and the like. The client 110 includes a UI (User Interface) layer. The client 110 provides display of prompt information to the outside through the UI layer. In addition, the client 110 sends data corresponding to virtual resource processing to the server 120 based on an API (Application Programming Interface).

[0061] In the embodiments of the present disclosure, the server 120 can include a standalone server, a distributed server, or a server cluster composed of multiple servers. The server 120 can include a network communication unit, a processor, a memory, and the like. Specifically, the server 120 can be configured to perform operations of virtual resource processing.

[0062] Figure 2 Fig. 2 is a flowchart of a virtual resource processing method according to an example embodiment. As shown in Fig. 2, the method is used in a server and includes the following steps. Figure 2

[0063] S210. In response to a resource change request for a second resource account sent by a first resource account, performing resource change processing on a virtual resource in a resource transfer account corresponding to the second resource account based on a to-be-processed virtual resource corresponding to the resource change request.

[0064] ​As an optional embodiment, when the resource change request sent by the first resource account for the second resource account is received, the resource transfer account corresponding to the second resource account can be determined first, and then the resource change processing is performed through the first resource account and the resource transfer account. The virtual resource to be processed corresponding to the resource change request sent by the first resource account can be obtained, and the virtual resource in the resource transfer account corresponding to the second resource account is processed. The first resource account, the resource transfer account and the second resource account can all be resource accounts in the target application.

[0065] As an optional embodiment, the resource change request includes a resource addition request, and in response to the resource change request sent by the first resource account for the second resource account, the virtual resource in the resource transfer account corresponding to the second resource account is processed based on the virtual resource to be processed corresponding to the resource change request, including:

[0066] In response to the resource addition request sent by the first resource account for the second resource account, the virtual resource to be processed corresponding to the resource addition request is added to the virtual resource in the resource transfer account.

[0067] As an optional embodiment, a certain amount of virtual resources are stored in the resource transfer account, and in the case that the resource change request is a resource addition request, the first resource account sends the resource addition request, and the resource addition request includes the identification information of the first resource account, the identification information of the second resource account and the virtual resource to be processed corresponding to the resource addition request. According to the identification information of the second resource account, the resource transfer account corresponding to the second resource account can be determined, and the virtual resource to be processed corresponding to the resource addition request is added to the virtual resource in the resource transfer account. At this time, the first resource account can be fed back the prompt information of the successful addition of resources. The first resource account can be an account with available balance in the target application or an account outside the target application. The first resource account can be a first resource account corresponding to at least one type of payment channel, such as a payment account corresponding to payment software A or a payment account corresponding to payment software B. The first resource accounts of different types of payment channels can perform resource addition operations in the same way.

[0068] As an optional embodiment, the virtual resource can be funds, and the application scenario corresponding to the deletion of the virtual resource can be a scenario in which the buyer account in the payment scenario pays the seller account and the payment is successful. Please refer to Figure 3 As an optional embodiment, the virtual resource can be funds, and the application scenario corresponding to the deletion of the virtual resource can be a scenario in which the buyer account in the payment scenario pays the seller account and the payment is successful. Please refer to Figure 3Fig. 1 shows an interaction diagram between a first resource account and a resource transfer account in a payment scenario when a payment is successful. The first resource account is a buyer account, the second resource account is a seller account, and the resource transfer account is a settlement account corresponding to the seller account, which can temporarily store funds before the platform and the seller perform account settlement. The resource addition request is a payment request, and the to-be-processed virtual resource corresponding to the resource addition request is payment funds. The buyer account sends a payment request to the seller account, which includes the identification information of the buyer account, the identification information of the seller account, and the payment funds. According to the identification information of the seller account, the payment funds can be added to the funds in the settlement account, and the payment success is fed back to the buyer account.

[0069] When adding a virtual resource, the resource transfer account can be used to add a virtual resource, thereby unifying different payment channels in a payment scenario and improving the versatility and effectiveness of virtual resource processing.

[0070] As an optional embodiment, the first resource operation information includes a resource deletion request, and in response to the first resource account sending a resource change request to the second resource account, the resource change processing of the virtual resource in the resource transfer account corresponding to the second resource account based on the to-be-processed virtual resource corresponding to the resource change request includes:

[0071] In response to the resource deletion request sent by the first resource account to the second resource account, the to-be-processed virtual resource corresponding to the resource deletion request is deleted from the virtual resource in the resource transfer account.

[0072] As an optional embodiment, the resource transfer account stores a certain amount of virtual resources, and in the case of a resource deletion request, the first resource account sends a resource deletion request, and the resource addition request includes the identification information of the first resource account, the identification information of the second resource account, and the to-be-processed virtual resource corresponding to the resource deletion request. According to the identification information of the second resource account, the resource transfer account corresponding to the second resource account can be determined, the to-be-processed virtual resource corresponding to the resource deletion request is deleted from the virtual resource in the resource transfer account, and the to-be-processed virtual resource corresponding to the resource deletion request is sent to the first resource account. When it is detected that the first resource account receives the to-be-processed virtual resource corresponding to the resource deletion request, the first resource account can be fed back a prompt information indicating that the resource deletion is successful. The first resource account can be an account with a balance in the target application or an account outside the target application. The first resource account can be a first resource account corresponding to at least one type of payment channel, and the first resource accounts corresponding to different types of payment channels can perform resource deletion operations in the same way.

[0073] As an optional embodiment, the virtual resource can be funds, and the application scenario corresponding to the newly added virtual resource can be a scenario in which a buyer account sends a refund request to a seller account and the refund is successful. Please refer to Figure 4 As shown in Figure 4 Fig. 1 is a schematic diagram of interaction between a first resource account and a resource transfer account in a payment scenario when refunding. The first resource account is a buyer account, the second resource account is a seller account, the resource transfer account is a settlement account corresponding to the seller account, and can temporarily store funds before the platform and the seller perform account settlement. The resource deletion request is a refund request, and the to-be-processed virtual resource corresponding to the resource deletion request is refund funds. The buyer account sends a refund request to the seller account, and the refund request includes the identification information of the buyer account, the identification information of the seller account, and the refund funds. According to the identification information of the seller account, the settlement account corresponding to the seller account can be determined, the refund funds are deleted from the funds in the settlement account, and the refund funds are sent to the buyer account. When the buyer account receives the refund funds, the buyer account is fed back that the refund is successful.

[0074] When the virtual resource is deleted, the operation of deleting the virtual resource can be performed through the resource transfer account, thereby unifying different payment channels in the refund scenario and improving the universality and effectiveness of virtual resource processing.

[0075] S220. In response to the resource allocation request sent by the third resource account, based on the virtual resource in the resource transfer account, the to-be-allocated virtual resource corresponding to the resource allocation request is allocated to the third resource account. The resource transfer account and the second resource account are resource accounts in a target application, and the third resource account is the second resource account or an application platform account corresponding to the target application.

[0076] As an optional embodiment, the virtual resource in the resource transfer account is an unusable virtual resource. After the third resource account receives the to-be-allocated virtual resource corresponding to the resource allocation request in the resource allocation operation, the third resource account can use the received to-be-allocated virtual resource. In the resource allocation operation, the resource allocation can be performed according to the preset resource allocation ratio and the resource change information in the resource transfer account. For example, the application platform account is divided into 15%, the second resource account is divided into 85%, and the virtual resource A in the resource transfer account is newly added. Then, 15% of the virtual resource A in the resource transfer account is allocated to the application platform account, and 85% of the virtual resource A in the resource transfer account is allocated to the second resource account.

[0077] As an optional embodiment, please refer to Figure 5In a case where the third resource account is the application platform account, in response to a resource allocation request sent by the third resource account, first to-be-allocated virtual resources corresponding to the application platform account are determined from the virtual resources in the resource transfer account based on the virtual resources in the resource transfer account, the first to-be-allocated virtual resources are allocated to the third resource account, and the first to-be-allocated virtual resources are deleted from the virtual resources in the resource transfer account.

[0078] S510. In response to a resource allocation request corresponding to the application platform account, first to-be-allocated virtual resources corresponding to the application platform account are determined from the virtual resources in the resource transfer account.

[0079] S520. The first to-be-allocated virtual resources are sent to the application platform account, and the first to-be-allocated virtual resources are deleted from the virtual resources in the resource transfer account.

[0080] As an optional embodiment, in a case where the third resource account is the application platform account, the resource allocation request sent by the application platform account can include a resource allocation proportion corresponding to the application platform account, in response to the resource allocation request sent by the application platform account, first to-be-allocated virtual resources corresponding to the application platform account are determined from the virtual resources in the resource transfer account based on the resource allocation proportion corresponding to the application platform account in the resource allocation request and resource change information corresponding to the resource transfer account, the first to-be-allocated virtual resources are sent to the application platform account, and the first to-be-allocated virtual resources are deleted from the virtual resources in the resource transfer account, and the application platform account can feed back prompt information of successful resource allocation when the first to-be-allocated virtual resources are received. The application platform account can send a resource allocation request for each time the first resource account interacts with the resource transfer account, and the resource transfer account receives to-be-processed virtual resources. The application platform account can send a resource allocation request based on a preset allocation period, and when the preset allocation period arrives, first to-be-allocated virtual resources corresponding to the platform account are determined from the virtual resources in the resource transfer account based on the resource allocation proportion corresponding to the application platform account in the resource allocation request and the resource change information corresponding to the resource transfer account, and the first to-be-allocated virtual resources are sent to the application platform account.

[0081] As an optional embodiment, the virtual resources can be funds, the resource transfer account can be a to-be-settled account, the second resource account can be a seller account, and the application scenario corresponding to the virtual resource allocation can be a scenario in which the application platform account sends a settlement request for the to-be-settled account in a settlement scenario. Please refer to Figure 6 As shown in Figure 6 is an interaction schematic diagram between the application platform account and the resource transfer account when the platform settlement is performed in a settlement scenario. In response to a settlement request sent by the application platform account, first to-be-allocated funds corresponding to the application platform account are determined from the funds in the to-be-settled account, the first to-be-allocated funds are sent to the application platform account, and the first to-be-allocated funds are deducted from the funds in the to-be-settled account.

[0082] In the virtual resource allocation, temporarily storing the virtual resource in the resource transfer account in the target application instead of temporarily storing the virtual resource in the frozen account corresponding to the different payment channels outside the target application can improve the flexibility of the virtual resource allocation in time.

[0083] As an optional embodiment, please refer to Figure 7 In the case that the third resource account is the second resource account, in response to the resource allocation request sent by the third resource account, the second to-be-allocated virtual resource corresponding to the resource allocation request is allocated to the third resource account based on the virtual resource in the resource transfer account, including:

[0084] S710. In response to the resource allocation request corresponding to the second resource account, determining the second to-be-allocated virtual resource corresponding to the second resource account from the virtual resource in the resource transfer account;

[0085] S720. Sending the second to-be-allocated virtual resource to the second resource account and deleting the second to-be-allocated virtual resource from the virtual resource in the resource transfer account.

[0086] As an optional embodiment, in the case that the third resource account is the second resource account, the resource allocation request sent by the second resource account can include the resource allocation proportion corresponding to the second resource account, in response to the resource allocation request sent by the second resource account, the second to-be-allocated virtual resource corresponding to the second resource account is determined from the virtual resource in the resource transfer account based on the resource allocation proportion corresponding to the second resource account in the resource allocation request and the resource change information corresponding to the resource transfer account, the second to-be-allocated virtual resource is sent to the second resource account, and the second to-be-allocated virtual resource is deleted from the virtual resource in the resource transfer account, and when the second resource account receives the second to-be-allocated virtual resource, a prompt information of resource allocation success can be fed back. The second resource account can send a resource allocation request for each time the first resource account interacts with the resource transfer account, and the second resource account can send a resource allocation request to the resource transfer account at any time, without sending a resource allocation request to the resource transfer account according to a preset allocation period.

[0087] As an optional embodiment, the virtual resource can be funds, the resource transfer account can be a to-be-settled account, the second resource account can be a seller account, and the application scenario corresponding to the virtual resource allocation can be a scenario in which the seller account sends a settlement request for the to-be-settled account in a settlement scenario. Please refer to Figure 8 As Figure 8Fig. 6 shows an interaction diagram between the second resource account and the resource transfer account in the settlement scenario. In response to the settlement request sent by the seller account, the second to-be-allocated fund corresponding to the seller account is determined from the funds in the to-be-settled account, the first to-be-allocated fund is sent to the seller account, and the second to-be-allocated fund is deducted from the funds in the to-be-settled account.

[0088] In the virtual resource allocation, the resource transfer account is set in the target application to temporarily store the virtual resource, instead of temporarily storing the virtual resource through the frozen account corresponding to different payment channels outside the target application, so that the second resource account can allocate virtual resources at any time, thereby improving the user experience.

[0089] As an optional embodiment, please refer to Figure 9 The method further includes:

[0090] S910. In response to the resource transfer request corresponding to the fourth resource account, the to-be-transferred virtual resource is determined from the virtual resource in the second resource account;

[0091] S920. The to-be-transferred virtual resource is sent to the fourth resource account, and the to-be-transferred virtual resource is deleted from the virtual resource in the second resource account, and the fourth resource account is a resource account outside the target application.

[0092] As an optional embodiment, the fourth resource account can be a resource account outside the target application. In the process of transferring the virtual resource from the target application to the outside, in response to the resource transfer request sent by the fourth resource account to the second resource account, the resource transfer request includes the quantity of the to-be-transferred virtual resource, and based on the quantity of the to-be-transferred virtual resource, the to-be-transferred virtual resource can be determined from the virtual resource in the second resource account.

[0093] The to-be-transferred virtual resource is sent to the fourth resource account, and the to-be-transferred virtual resource is deleted from the virtual resource in the second resource account, and the operation of completing the virtual resource transfer is completed. After the fourth resource account receives the to-be-transferred virtual resource, a prompt information of successful virtual resource transfer can be sent. The fourth resource account can be an account associated with the second resource account, and the fourth resource account and the second resource account can correspond to the same object, for example, the second resource account is an account of user X in the target application, and the fourth resource account is an account of user X outside the target application.

[0094] As an optional embodiment, the virtual resource can be a fund, the fourth resource account can be an available balance account or a bank card account outside the target application, the available balance account or the bank card account can perform a cash withdrawal operation on the seller account, and the corresponding application scenario of the virtual resource transfer can be a scenario in which the available balance account or the bank card account sends a cash withdrawal request to the seller account. In response to the cash withdrawal request sent by the available balance account or the bank card account to the seller account, the cash withdrawal request includes the amount of the fund to be withdrawn, and based on the amount of the fund to be withdrawn, the fund to be withdrawn can be determined from the fund in the seller account. The fund to be withdrawn is sent to the available balance account or the bank card account, and the fund to be withdrawn is deducted from the fund in the seller account.

[0095] After the second resource account performs the allocation operation of the virtual resource, the transfer operation of the virtual resource can be performed, so that the efficiency of the second resource account obtaining the virtual resource can be improved, and the user experience can be improved.

[0096] As an optional embodiment, in the transaction scenario corresponding to the target application, a set of fund processing links located inside the target application can be constructed based on the resource transfer account, the second resource account and the application platform account, so that different types of payment channels corresponding to the first resource account can adopt the same fund processing link when performing payment, refund and other operations, and unified processing can be performed through the resource transfer account, the second resource account and the application platform account, without distinguishing different payment channels.

[0097] The embodiment of the present disclosure proposes a virtual resource processing method, which comprises: after the resource change request sent by the first resource account to the second resource account, the virtual resource in the resource transfer account corresponding to the second resource account can be processed based on the to-be-processed virtual resource corresponding to the resource change request. After the resource allocation request is sent by the second resource account or the application platform account corresponding to the target application, the to-be-allocated virtual resource corresponding to the resource allocation request can be allocated to the second resource account or the application platform account corresponding to the target application based on the virtual resource in the resource transfer account, wherein the resource transfer account and the second resource account are resource accounts in the target application. The method can perform unified payment, refund and settlement operations for different payment channels by using the same virtual resource processing link, so that the understanding cost of the virtual resource processing business can be reduced, the generality and effectiveness of the virtual resource processing can be improved, and the maintenance cost of the virtual resource processing link can also be reduced.

[0098] Figure 10 is a block diagram of a virtual resource processing device according to an exemplary embodiment. Referring to Figure 10 , the device comprises:

[0099] The virtual resource changing module 1010 is configured to perform, in response to the resource changing request sent by the first resource account and for the second resource account, resource changing processing on the virtual resource in the resource transfer account corresponding to the second resource account based on the to-be-processed virtual resource corresponding to the resource changing request.

[0100] The virtual resource changing module 1010 is configured to perform, in response to the resource changing request sent by the first resource account and for the second resource account, resource changing processing on the virtual resource in the resource transfer account corresponding to the second resource account based on the to-be-processed virtual resource corresponding to the resource changing request.

[0101] As an optional embodiment, the resource changing request comprises a resource adding request, and the virtual resource changing module comprises:

[0102] The resource adding unit is configured to perform, in response to the resource adding request sent by the first resource account and for the second resource account, adding the to-be-processed virtual resource corresponding to the resource adding request to the virtual resource in the resource transfer account.

[0103] As an optional embodiment, the first resource operation information comprises a resource deleting request, and the virtual resource changing module comprises:

[0104] The resource deleting unit is configured to perform, in response to the resource deleting request sent by the first resource account and for the second resource account, deleting the to-be-processed virtual resource corresponding to the resource deleting request from the virtual resource in the resource transfer account.

[0105] As an optional embodiment, in the case where the third resource account is an application platform account, the virtual resource changing module comprises:

[0106] The first to-be-allocated resource determining module is configured to perform, in response to the resource allocation request corresponding to the application platform account, determining the first to-be-allocated virtual resource corresponding to the application platform account from the virtual resource in the resource transfer account.

[0107] The first resource allocation module is configured to perform sending the first to-be-allocated virtual resource to the application platform account and deleting the first to-be-allocated virtual resource from the virtual resource in the resource transfer account.

[0108] As an optional embodiment, in the case where the third resource account is the second resource account, the virtual resource changing module comprises:

[0109] The second to-be-allocated resource determining module is configured to perform, in response to the resource allocation request corresponding to the second resource account, determining the second to-be-allocated virtual resource corresponding to the second resource account from the virtual resource in the resource transfer account.

[0110] The second resource allocation module is configured to perform sending the second to-be-allocated virtual resource to the second resource account and deleting the second to-be-allocated virtual resource from the virtual resource in the resource transfer account.

[0111] As an optional embodiment, the apparatus further comprises:

[0112] The to-be-transferred resource determination module is configured to perform determining the to-be-transferred virtual resource from the virtual resource in the second resource account in response to the resource transfer request corresponding to the fourth resource account;

[0113] The resource transfer module is configured to perform sending the to-be-transferred virtual resource to the fourth resource account and deleting the to-be-transferred virtual resource from the virtual resource in the second resource account, the fourth resource account being a resource account outside the target application.

[0114] As to the apparatus in the above embodiments, the specific manners in which the various modules perform operations have been described in detail in the embodiments of the method, and thus will not be described in detail here.

[0115] Figure 11 is a block diagram of an electronic device for virtual resource processing according to an example embodiment, which can be a server, wherein the block diagram can be as shown in Figure 11 The electronic device includes a processor, a memory and a network interface connected through a system bus. The processor of the electronic device is used to provide computing and control capabilities. The memory of the electronic device includes a non-volatile storage medium and a memory. The non-volatile storage medium stores an operating system and a computer program. The memory provides an environment for the operating system and the computer program in the non-volatile storage medium to run. The network interface of the electronic device is used to communicate with external terminals through network connection. The computer program is executed by the processor to implement a virtual resource processing method.

[0116] Those skilled in the art can understand that, Figure 11 The structure shown in the figure is only a block diagram of part of the structure related to the present disclosure scheme, and does not constitute a limitation on the electronic device to which the present disclosure scheme is applied. The specific electronic device can include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0117] In the example embodiment, a computer readable storage medium including instructions is also provided, for example, a memory 1104 including instructions, which can be executed by the processor 1120 of the electronic device 1100 to complete the above method. Optionally, the computer readable storage medium can be a ROM, a random access memory (RAM), a CD-ROM, a magnetic tape, a floppy disk and an optical data storage device, etc.

[0118] In an example embodiment, there is also provided a computer program product comprising a computer program which, when executed by a processor, implements the virtual resource processing method described above.

[0119] Other embodiments of the present disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the features disclosed herein. It is intended that the present disclosure cover any and all variations of the present disclosure including combinations of features falling within the general scope of the disclosure. It is intended that the specification and examples be considered as exemplary only, with the true scope and spirit of the disclosure being indicated by the following claims.

[0120] It is to be understood that the present disclosure is not limited to the precise construction described above and shown in the attached drawings, and that various modifications and changes can be made without departing from the scope thereof. The scope of the present disclosure is limited only by the claims appended hereto.

Claims

1. A method for processing virtual resources, characterized in that, The method comprises: in response to a resource change request sent by a first resource account for a second resource account, performing resource change processing on virtual resources in a resource transfer account corresponding to the second resource account based on to-be-processed virtual resources corresponding to the resource change request, the resource transfer account being a dedicated to-be-settled account corresponding to the second resource account; in response to a resource allocation request sent by a third resource account, allocating to-be-allocated virtual resources corresponding to the resource allocation request to the third resource account based on virtual resources in the resource transfer account, the resource transfer account and the second resource account being resource accounts in a target application, the third resource account being the second resource account or an application platform account corresponding to the target application, in the case where the third resource account is the application platform account, the resource allocation request being sent based on a preset allocation period; in the case where the third resource account is the second resource account, the resource allocation request being sent at any time.

2. The virtual resource processing method of claim 1, wherein, The resource change request comprises a resource addition request, and the response to the resource change request sent by the first resource account for the second resource account comprises: in response to the resource addition request sent by the first resource account for the second resource account, adding to-be-processed virtual resources corresponding to the resource addition request to virtual resources in the resource transfer account.

3. The virtual resource processing method of claim 1, wherein, The resource change request comprises a resource deletion request, and the response to the resource change request sent by the first resource account for the second resource account comprises: in response to the resource deletion request sent by the first resource account for the second resource account, deleting to-be-processed virtual resources corresponding to the resource deletion request from virtual resources in the resource transfer account.

4. The virtual resource processing method of claim 1, wherein, In the case where the third resource account is the application platform account, the response to the resource allocation request sent by the third resource account comprises: in response to the resource allocation request corresponding to the application platform account, determining first to-be-allocated virtual resources corresponding to the application platform account from virtual resources in the resource transfer account; sending the first to-be-allocated virtual resources to the application platform account and deleting the first to-be-allocated virtual resources from virtual resources in the resource transfer account.

5. The virtual resource processing method of claim 1, wherein, In the case where the third resource account is the second resource account, the response to the resource allocation request sent by the third resource account comprises: in response to the resource allocation request sent by the third resource account, determining to-be-allocated virtual resources corresponding to the third resource account from virtual resources in the resource transfer account. determining, from the virtual resources in the resource transfer account, second to-be-allocated virtual resources corresponding to the second resource account in response to a resource allocation request corresponding to the second resource account; sending the second to-be-allocated virtual resources to the second resource account and deleting the second to-be-allocated virtual resources from the virtual resources in the resource transfer account.

6. The virtual resource processing method of claim 5, wherein, The method further comprises: determining, from the virtual resources in the second resource account, to-be-transferred virtual resources in response to a resource transfer request corresponding to a fourth resource account; sending the to-be-transferred virtual resources to the fourth resource account and deleting the to-be-transferred virtual resources from the virtual resources in the second resource account, the fourth resource account being a resource account outside the target application.

7. A virtual resource processing apparatus, characterized by comprising: The apparatus comprises: a virtual resource changing module configured to perform, in response to a resource changing request sent by a first resource account and directed to a second resource account, resource changing processing on virtual resources in a resource transfer account corresponding to the second resource account based on to-be-processed virtual resources corresponding to the resource changing request, the resource transfer account being a dedicated to-be-settled account corresponding to the second resource account; a virtual resource allocation module configured to perform, in response to a resource allocation request sent by a third resource account, allocation of to-be-allocated virtual resources corresponding to the resource allocation request to the third resource account based on virtual resources in the resource transfer account, the resource transfer account and the second resource account being resource accounts in a target application, the third resource account being the second resource account or an application platform account corresponding to the target application, in a case where the third resource account is the application platform account, the resource allocation request being sent based on a preset allocation period; in a case where the third resource account is the second resource account, the resource allocation request being sent at any time.

8. The virtual resource processing apparatus according to claim 7, wherein The resource changing request comprises a resource adding request, and the virtual resource changing module comprises: a resource adding unit configured to perform, in response to a resource adding request sent by the first resource account and directed to the second resource account, addition of to-be-processed virtual resources corresponding to the resource adding request to virtual resources in the resource transfer account.

9. The virtual resource processing apparatus according to claim 7, wherein The resource changing request comprises a resource deleting request, and the virtual resource changing module comprises: a resource deleting unit configured to perform, in response to a resource deleting request sent by the first resource account and directed to the second resource account, deletion of to-be-processed virtual resources corresponding to the resource deleting request from virtual resources in the resource transfer account.

10. The virtual resource processing apparatus according to claim 7, wherein In a case where the third resource account is the application platform account, the virtual resource allocation module comprises: a first to-be-allocated resource determining module configured to perform, in response to a resource allocation request corresponding to the application platform account, determination of first to-be-allocated virtual resources corresponding to the application platform account from virtual resources in the resource transfer account; The first resource allocation module is configured to perform sending the first to-be-allocated virtual resource to the application platform account and deleting the first to-be-allocated virtual resource from the virtual resource in the resource transfer account.

11. The virtual resource processing apparatus according to claim 7, wherein In the case that the third resource account is the second resource account, the virtual resource allocation module comprises: The second to-be-allocated resource determination module is configured to perform determining the second to-be-allocated virtual resource corresponding to the second resource account from the virtual resource in the resource transfer account in response to the resource allocation request corresponding to the second resource account; The second resource allocation module is configured to perform sending the second to-be-allocated virtual resource to the second resource account and deleting the second to-be-allocated virtual resource from the virtual resource in the resource transfer account.

12. The virtual resource processing apparatus according to claim 11, wherein The apparatus further comprises: The to-be-transferred resource determination module is configured to perform determining the to-be-transferred virtual resource from the virtual resource in the second resource account in response to the resource transfer request corresponding to the fourth resource account; The resource transfer module is configured to perform sending the to-be-transferred virtual resource to the fourth resource account and deleting the to-be-transferred virtual resource from the virtual resource in the second resource account, the fourth resource account being a resource account outside the target application.

13. An electronic device, comprising: comprises: a processor; a memory for storing instructions executable by the processor; wherein the processor is configured to execute the instructions to implement the virtual resource processing method according to any one of claims 1 to 6.

14. A computer-readable storage medium, characterized in that, The computer program, when executed by the processor, causes the electronic device to perform the virtual resource processing method according to any one of claims 1 to 6.

15. A computer program product comprising a computer program, characterized in that, The computer program, when executed by the processor, implements the virtual resource processing method according to any one of claims 1 to 6.

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