Virtual resource processing method, apparatus, device, medium, and computer program product

Abstract

The application relates to the technical field of information security, and provides a virtual resource processing method and device, computer equipment, a storage medium and a computer program product, which can be specifically applied to the financial field or other related fields. The application can improve the success rate and efficiency of virtual resource processing. The method comprises the following steps: obtaining a virtual resource transfer request, wherein the virtual resource transfer request comprises first account information, second account information and virtual resource information; according to the first account information, the second account information and the virtual resource information, a virtual resource system matched with the virtual resource transfer request is screened out from a candidate virtual resource system set, and the virtual resource system is confirmed as a target virtual resource system; a virtual resource transfer request message is sent to the target virtual resource system; the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; and the virtual resource transfer request message is generated according to the virtual resource transfer request.

Description

Technical Field

[0001] This application relates to the field of information security technology, and in particular to a virtual resource processing method, apparatus, computer equipment, storage medium, and computer program product. Background Technology

[0002] With the development of information security technology, users are gradually shifting from the original offline manual processing method to the online automatic processing method when handling virtual resource transfer business.

[0003] Traditional technology typically involves transmitting user-provided information to a fixed system for virtual resource transfer processing. However, if this system is shut down during certain periods, the virtual resource processing may fail, resulting in a low success rate for virtual resource processing using this method. Summary of the Invention

[0004] Therefore, it is necessary to provide a virtual resource processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product to address the aforementioned technical problems.

[0005] Firstly, this application provides a method for processing virtual resources. The method includes:

[0006] Obtain a virtual resource transfer request; the virtual resource transfer request contains first account information, second account information, and virtual resource information;

[0007] Based on the first account information, the second account information, and the virtual resource information, the virtual resource system that matches the virtual resource transfer request is selected from the candidate virtual resource system set and confirmed as the target virtual resource system;

[0008] A virtual resource transfer request message is sent to the target virtual resource system, enabling the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request.

[0009] In one embodiment, the virtual resource information includes virtual resource values, and the candidate virtual resource system set includes a first general organization virtual resource system;

[0010] Based on the first account information, the second account information, and the virtual resource information, virtual resource systems matching the virtual resource transfer request are selected from the candidate virtual resource system set and confirmed as the target virtual resource systems, including:

[0011] Determine the first issuance information corresponding to the first account information, and determine the second issuance information corresponding to the second account information; the first issuance information contains the first issuing institution type, and the second issuance information contains the second issuing institution type;

[0012] If the first issuing institution type is different from the second issuing institution type, and the virtual resource value is less than the preset virtual resource threshold, the virtual resource system of the first head office will be identified as the target virtual resource system.

[0013] In one embodiment, the candidate virtual resource system set includes a second general organization virtual resource system;

[0014] The method also includes:

[0015] If the first issuing institution type and the second issuing institution type are different, and the virtual resource value is greater than or equal to the preset virtual resource threshold, the virtual resource system of the second head office will be identified as the target virtual resource system.

[0016] In one embodiment, the candidate virtual resource system set includes virtual resource systems corresponding to the first issuing agency type, the first issuance information also includes the first issuing agency, and the second issuance information also includes the second issuing agency;

[0017] Before identifying the first head office's virtual resource system as the target virtual resource system, if the first issuing institution type and the second issuing institution type are different and the virtual resource value is less than the preset virtual resource threshold, the following steps are also included:

[0018] In cases where the first issuing institution and the second issuing institution are different, determine whether the types of the first issuing institution and the second issuing institution are the same;

[0019] The method also includes:

[0020] If the first issuing institution type and the second issuing institution type are the same, the virtual resource system corresponding to the first issuing institution type will be identified as the target virtual resource system.

[0021] In one embodiment, the candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution;

[0022] When the primary issuer and the secondary issuer are different, before determining whether the types of the primary issuer and the secondary issuer are the same, the following steps are also included:

[0023] Determine whether the first issuing institution and the second issuing institution are the same;

[0024] The method also includes:

[0025] If the first issuing institution and the second issuing institution are the same, the virtual resource system corresponding to the first issuing institution shall be identified as the target virtual resource system.

[0026] In one embodiment, the virtual resource transfer request message is obtained in the following manner:

[0027] The message format corresponding to the target virtual resource system is confirmed as the target message format;

[0028] Based on the target message format, the virtual resource transfer request is assembled and processed to generate a virtual resource transfer request message.

[0029] In one embodiment, after sending a virtual resource transfer request message to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message, the method further includes:

[0030] Virtual resource transfer query information is sent to the target virtual resource system at preset time intervals, so that the target virtual resource system can provide feedback on the virtual resource processing results in response to the virtual resource transfer request message;

[0031] Display the results of virtual resource processing.

[0032] In one embodiment, a virtual resource transfer request message is sent to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message, including:

[0033] Send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system transfers the target virtual resource stored in the first account to the second account; the first account is the account corresponding to the first account information, the second account is the account corresponding to the second account information, and the target virtual resource is the virtual resource corresponding to the virtual resource information.

[0034] Secondly, this application also provides a virtual resource processing apparatus. The apparatus includes:

[0035] The request acquisition module is used to acquire virtual resource transfer requests; the virtual resource transfer requests include first account information, second account information, and virtual resource information.

[0036] The system filtering module is used to filter out the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set based on the first account information, the second account information and the virtual resource information, and confirm it as the target virtual resource system;

[0037] The message sending module is used to send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request.

[0038] Thirdly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to perform the following steps:

[0039] Obtain a virtual resource transfer request; the virtual resource transfer request contains first account information, second account information, and virtual resource information; based on the first account information, second account information, and virtual resource information, select the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set and confirm it as the target virtual resource system; send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request.

[0040] Fourthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, performs the following steps:

[0041] Obtain a virtual resource transfer request; the virtual resource transfer request contains first account information, second account information, and virtual resource information; based on the first account information, second account information, and virtual resource information, select the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set and confirm it as the target virtual resource system; send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request.

[0042] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, performs the following steps:

[0043] Obtain a virtual resource transfer request; the virtual resource transfer request contains first account information, second account information, and virtual resource information; based on the first account information, second account information, and virtual resource information, select the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set and confirm it as the target virtual resource system; send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request.

[0044] The aforementioned virtual resource processing method, apparatus, computer equipment, storage medium, and computer program product acquire a virtual resource transfer request. The virtual resource transfer request includes first account information, second account information, and virtual resource information. Based on the first account information, second account information, and virtual resource information, a virtual resource system matching the virtual resource transfer request is selected from a set of candidate virtual resource systems and identified as the target virtual resource system. A virtual resource transfer request message is then sent to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message. The virtual resource transfer request message is generated based on the virtual resource transfer request. This solution, by acquiring a virtual resource transfer request containing both parties' account information and virtual resource information, and selecting a matching virtual resource system from multiple candidate virtual resource systems based on the information in the virtual resource transfer request, allows for the selection of a virtual resource system capable of more successfully and quickly processing the virtual resource transfer request from among multiple systems capable of virtual resource transfer. The matching virtual resource system then processes the virtual resource transfer request, thereby improving the success rate and efficiency of virtual resource processing. Attached Figure Description

[0045] Figure 1 This is a flowchart illustrating a virtual resource processing method in one embodiment;

[0046] Figure 2 This is a flowchart illustrating a virtual resource processing method in another embodiment;

[0047] Figure 3 This is a flowchart illustrating the steps for confirming the target virtual resource system in one embodiment;

[0048] Figure 4 This is a flowchart illustrating the steps of obtaining a virtual resource transfer request message in one embodiment;

[0049] Figure 5 This is a flowchart illustrating the steps involved in processing virtual resource results in one embodiment;

[0050] Figure 6 This is a structural block diagram of a virtual resource processing device in one embodiment;

[0051] Figure 7 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0052] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0053] In one embodiment, such as Figure 1 As shown, a virtual resource processing method is provided. This embodiment illustrates the method by applying it to a server (or terminal), and includes the following steps:

[0054] Step S101: Obtain a virtual resource transfer request.

[0055] In this step, the virtual resource transfer request includes first account information, second account information, and virtual resource information. The first account information can be bank account information, such as resource-granting account or resource-granting account number (the card number of the resource-granting party). The second account information can be institutional (bank) account information, such as resource-receiving account or resource-receiving account number (the card number of the resource-receiving party). The virtual resource information can be virtual resource value, such as the transfer amount.

[0056] Specifically, the terminal (e.g., platform frontend) corresponding to the server (e.g., platform backend) receives the first account information, second account information, and virtual resource information entered by the user on the virtual resource transfer request display interface. Based on the first account information, second account information, and virtual resource information, it generates a virtual resource transfer request and sends the virtual resource transfer request to the server. The server receives the virtual resource transfer request sent by the terminal, such as... Figure 2 As shown, the process involves obtaining the first account information, the second account information, and the virtual resource information contained in the virtual resource transfer request (starting with obtaining account information and virtual resource information).

[0057] Step S102: Based on the first account information, the second account information, and the virtual resource information, select the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set and confirm it as the target virtual resource system.

[0058] In this step, the candidate virtual resource system set may contain multiple virtual resource systems, and the virtual resource system may be a system that supports virtual resource processing.

[0059] Specifically, the server obtains the first account information, the second account information, and the virtual resource information from the virtual resource transfer request. Based on the first account information, the second account information, and the virtual resource information, and combined with the virtual resource system filtering conditions (such as routing rules), the server selects a virtual resource system that meets the virtual resource system filtering conditions from the candidate virtual resource system set and uses that virtual resource system as the target virtual resource system.

[0060] Step S103: Send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system can perform corresponding virtual resource processing on the virtual resource transfer request message.

[0061] In this step, a virtual resource transfer request message is generated based on a virtual resource transfer request; the virtual resource transfer request message can be used to process virtual resources by transferring the virtual resource information stored in the first account information to the second account information.

[0062] Specifically, after the server identifies the target virtual resource system, it generates a virtual resource transfer request message corresponding to the format of the target virtual resource system based on the virtual resource transfer request, and sends the virtual resource transfer request message to the target virtual resource system. This allows the target virtual resource system to obtain the first account information, second account information, and virtual resource information from the virtual resource transfer request message, and transfer the virtual resource information stored in the first account information to the second account information.

[0063] In the aforementioned virtual resource processing method, a virtual resource transfer request is obtained. This request includes first account information, second account information, and virtual resource information. Based on these information, a virtual resource system matching the transfer request is selected from a set of candidate virtual resource systems and identified as the target system. A virtual resource transfer request message is then sent to the target system, enabling it to process the virtual resource request accordingly. The virtual resource transfer request message is generated based on the virtual resource transfer request. This scheme improves the success rate and efficiency of virtual resource processing by obtaining a virtual resource transfer request containing both parties' account information and virtual resource information, and then selecting a matching virtual resource system from multiple candidate systems. This allows for the selection of a virtual resource system capable of processing the transfer request more successfully and quickly from among several systems capable of virtual resource transfer.

[0064] In one embodiment, such as Figure 3 As shown, step S102 above, which involves selecting a virtual resource system matching the virtual resource transfer request from the candidate virtual resource system set based on the first account information, the second account information, and the virtual resource information, and confirming it as the target virtual resource system, specifically includes: step S301, determining the first issuance information corresponding to the first account information, and determining the second issuance information corresponding to the second account information; the first issuance information contains a first issuing institution type, and the second issuance information contains a second issuing institution type; step S302, if the first issuing institution type and the second issuing institution type are different, and the virtual resource value is less than a preset virtual resource threshold, confirming the first general institution virtual resource system as the target virtual resource system.

[0065] In this embodiment, virtual resource information includes virtual resource values, and the candidate virtual resource system set includes the first headquarters virtual resource system, such as... Figure 2 As shown, the first head office virtual resource system can be a virtual resource system containing multiple issuing institutions (banks) (which can include all issuing institutions of the first issuing institution type), such as the People's Bank of China Super Online Banking System (also known as the People's Bank of China Super System or the People's Bank of China Online Banking Interconnection System; the People's Bank of China can be understood as the People's Bank of China); the issuance information can include the issuing institution type and the issuing institution, where the issuing institution can refer to the institution issuing account information, such as the bank name, and the issuing institution type can be the name of the set of institutions to which the issuing institution belongs, such as UnionPay; for example, Figure 2 As shown, the preset virtual resource threshold can be a pre-set resource threshold A, which can be set to 1 million.

[0066] Specifically, such as Figure 2 As shown, the server determines the first issuance information corresponding to the first account information based on the first account information, determines the second issuance information corresponding to the second account information based on the second account information, and determines the first issuing institution type based on the first issuance information and the second issuing institution type based on the second issuance information. It then determines whether the first issuing institution type and the second issuing institution type are the same (for example, if the first account is a UnionPay card, it determines whether the second account is a UnionPay card). If the first issuing institution type and the second issuing institution type are not the same, it then determines whether the virtual resource value is less than a preset virtual resource threshold (for example, if the second account is not a UnionPay card, it determines whether the virtual resource is less than A). If the virtual resource value is less than the preset virtual resource threshold, the server uses the first head office virtual resource system as the target virtual resource system (for example, if the virtual resource is less than A, it uses the People's Bank of China Super Online Banking System as the target virtual resource system and sends a virtual resource transfer request message to the People's Bank of China Super Online Banking System).

[0067] The technical solution of this embodiment determines the first issuing institution type and the second issuing institution type based on the first account information and the second account information, judges the first issuing institution type and the second issuing institution type, and judges the virtual resource value and the preset virtual resource threshold. The first headquarters virtual resource system is used as the target virtual resource system, which is conducive to accurately and quickly determining the target virtual resource system and using the target virtual resource system for virtual resource processing, thereby improving the success rate and efficiency of virtual resource processing.

[0068] In one embodiment, the above method can also identify the second headquarters virtual resource system as the target virtual resource system through the following steps: if the first issuing organization type is different from the second issuing organization type and the virtual resource value is greater than or equal to a preset virtual resource threshold, the second headquarters virtual resource system is identified as the target virtual resource system.

[0069] In this embodiment, the candidate virtual resource system set includes the second headquarters virtual resource system, such as... Figure 2 As shown, the second central office virtual resource system can be the People's Bank of China's large and small value payment system.

[0070] Specifically, such as Figure 2 As shown, the server determines whether the first issuing institution type and the second issuing institution type are the same (for example, if the first account is a UnionPay card, it determines whether the second account is a UnionPay card). If the first issuing institution type and the second issuing institution type are different, it then determines whether the virtual resource value is less than a preset virtual resource threshold (for example, if the second account is not a UnionPay card, it determines whether the virtual resource is less than A). If the virtual resource value is greater than or equal to the preset virtual resource threshold, the second head office virtual resource system is used as the target virtual resource system (for example, if the virtual resource is greater than or equal to A, the People's Bank of China's large and small value payment system is used as the target virtual resource system, and a virtual resource transfer request message is sent to the People's Bank of China's large and small value payment system).

[0071] The technical solution of this embodiment, by determining the type of issuing institution and the value of virtual resources, uses the second general institution's virtual resource system as the target virtual resource system. This facilitates the accurate and rapid determination of the target virtual resource system and the use of the target virtual resource system for virtual resource processing, thereby improving the success rate and efficiency of virtual resource processing.

[0072] In one embodiment, the above method may further determine whether the first issuing institution type and the second issuing institution type are the same by the following steps: if the first issuing institution and the second issuing institution are not the same, determine whether the first issuing institution type and the second issuing institution type are the same; the above method may further confirm the target virtual resource system by the following steps: if the first issuing institution type and the second issuing institution type are the same, confirm the virtual resource system corresponding to the first issuing institution type as the target virtual resource system.

[0073] In this embodiment, the candidate virtual resource system set includes virtual resource systems corresponding to the first issuing institution type, the first issuance information also includes the first issuing institution, and the second issuance information also includes the second issuing institution; such as Figure 2As shown, the virtual resource system corresponding to the first issuing institution type can be the system of the institution type to which the first issuing institution belongs (such as the UnionPay system, or UnionPay Personal Credit System).

[0074] Specifically, such as Figure 2 As shown, after the server obtains the first account information, the second account information, and the virtual resource information, it determines the first issuing institution, the first issuing institution type, the second issuing institution, and the second issuing institution type based on the first account information and the second account information. It then determines whether the first issuing institution and the second issuing institution are the same (determining whether the issuing institutions are the same). If the first issuing institution and the second issuing institution are not the same, it then determines whether the first issuing institution type and the second issuing institution type are the same. If the first issuing institution type and the second issuing institution type are the same, the virtual resource system corresponding to the first issuing institution type is confirmed as the target virtual resource system.

[0075] For example, after the server determines the target virtual resource system (e.g., the target virtual resource system is the virtual resource system corresponding to the first issuing institution type, the first head office virtual resource system, or the second head office virtual resource system), it sends a virtual resource transfer request message to the target virtual resource system. The target virtual resource system determines the second issuing institution based on the second account information contained in the virtual resource transfer request message, generates a virtual resource transfer instruction, and sends the virtual resource transfer instruction to the virtual resource system corresponding to the second issuing institution corresponding to the second account information, so that the virtual resource system corresponding to the second issuing institution transfers the target virtual resource to the second account.

[0076] The technical solution of this embodiment first determines whether the issuing institutions are the same. If they are different, it then determines whether the types of issuing institutions are the same. If they are the same, it means that the virtual resource system corresponding to the first type of issuing institution and the virtual resource system corresponding to the second type of issuing institution are the same system. Identifying the virtual resource system corresponding to the first type of issuing institution as the target virtual resource system is beneficial for accurately and quickly determining the target virtual resource system. Using this target virtual resource system for virtual resource processing eliminates the need to fixate on a single virtual resource system, thereby improving the flexibility of virtual resource processing and ultimately increasing the success rate and efficiency of virtual resource processing.

[0077] In one embodiment, the above method may further determine the issuing institution by the following steps, specifically including: determining whether the first issuing institution and the second issuing institution are the same; the above method may further confirm the target virtual resource system by the following steps, specifically including: if the first issuing institution and the second issuing institution are the same, confirming the virtual resource system corresponding to the first issuing institution as the target virtual resource system.

[0078] In this embodiment, the candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution; the virtual resource system corresponding to the first issuing institution can be the accounting system of the first issuing institution, such as a bank accounting system, or it can be the accounting system of the institution (bank) corresponding to the server.

[0079] Specifically, such as Figure 2 As shown, the server obtains the first account information, the second account information, and the virtual resource information. Based on the first account information and the second account information, it determines the first issuing institution, the first issuing institution type, the second issuing institution, and the second issuing institution type. Then, it determines whether the first issuing institution and the second issuing institution are the same. If the first issuing institution and the second issuing institution are the same, the virtual resource system corresponding to the first issuing institution is confirmed as the target virtual resource system.

[0080] The technical solution of this embodiment, by determining that the first issuing institution and the second issuing institution are the same, that is, the virtual resource system corresponding to the first issuing institution and the virtual resource system corresponding to the second issuing institution are the same system, takes the virtual resource system corresponding to the first issuing institution as the target virtual resource system. This is beneficial to accurately and quickly determine the target virtual resource system and use the target virtual resource system for virtual resource processing. Therefore, it is not necessary to fix a virtual resource system for processing, which can improve the flexibility of virtual resource processing, thereby improving the success rate and efficiency of virtual resource processing.

[0081] In one embodiment, such as Figure 4 As shown, the virtual resource transfer request message is obtained in the following manner: Step S401, the message format corresponding to the target virtual resource system is confirmed as the target message format; Step S402, the virtual resource transfer request is assembled according to the target message format to generate the virtual resource transfer request message.

[0082] In this embodiment, the message format can be the message format of a virtual resource transfer request; the virtual resource transfer request message can include first account information, first issuing institution, second account information, second issuing institution, and virtual resource information.

[0083] Specifically, after identifying the target virtual resource system, the server determines the corresponding message format based on the target virtual resource system, uses this message format as the target message format, and assembles the virtual resource transfer request according to the target message format. This generates a virtual resource transfer request message for both the virtual resource transfer request and the target virtual resource system, enabling the target virtual resource system to obtain the virtual resource transfer request, as well as the first account information, second account information, and virtual resource information contained in the virtual resource transfer request message.

[0084] The technical solution of this embodiment processes the virtual resource transfer request according to the message format corresponding to the target virtual resource system to generate a virtual resource transfer request message. This helps the target virtual resource system to accurately obtain the first account information, second account information, and virtual resource information contained in the virtual resource transfer request through the virtual resource transfer request message, thereby improving the success rate of virtual resource processing.

[0085] In one embodiment, such as Figure 5 As shown, the above method can also display the virtual resource processing results through the following steps, specifically including: step S501, sending virtual resource transfer query information to the target virtual resource system at preset time intervals, so that the target virtual resource system can provide feedback on the virtual resource processing results for the virtual resource transfer request message; step S502, displaying the virtual resource processing results.

[0086] In this embodiment, the preset time interval can be a pre-set time interval; the virtual resource transfer query information can be used to instruct the target virtual resource system to provide feedback on the virtual resource processing result for the virtual resource transfer request message; the virtual resource processing result can include processing success, processing failure, or processing in progress.

[0087] Specifically, after the server sends a virtual resource transfer request message to the target virtual resource system, enabling the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message, the server periodically sends virtual resource transfer query information to the target virtual resource system to instruct the target virtual resource system to provide feedback on the virtual resource processing result or virtual resource processing progress in response to the virtual resource transfer request message. After receiving the virtual resource processing result from the target virtual resource system, the server displays the virtual resource processing result.

[0088] The technical solution of this embodiment, by periodically querying the target virtual resource system for the processing progress of virtual resource transfer and displaying the virtual resource processing results fed back by the target virtual resource system, is beneficial for the server or terminal to obtain the processing progress or results of virtual resource transfer requests in real time and display them to the user, thereby improving the real-time performance and controllability of virtual resource processing.

[0089] In one embodiment, step S103, which involves sending a virtual resource transfer request message to the target virtual resource system so that the target virtual resource system can process the virtual resource corresponding to the virtual resource transfer request message, specifically includes: sending a virtual resource transfer request message to the target virtual resource system so that the target virtual resource system can transfer the target virtual resource stored in the first account to the second account.

[0090] In this embodiment, the first account is the account corresponding to the first account information, the second account is the account corresponding to the second account information, and the target virtual resource is the virtual resource corresponding to the virtual resource information.

[0091] Specifically, such as Figure 2 As shown, the server sends a virtual resource transfer request message to the target virtual resource system. The target virtual resource system receives the virtual resource transfer request message, determines the virtual resource transfer request contained in the message, and identifies the first account information, second account information, and virtual resource information contained within the request. The first account is determined based on the first account information, the second account is determined based on the second account information, and the target virtual resource (e.g., the target resource value) is determined based on the virtual resource information. The target virtual resource stored in the first account is transferred to the second account, thereby performing corresponding virtual resource processing on the virtual resource transfer request message and ending the process.

[0092] For example, the server can also select a user-provided virtual resource system as the target virtual resource system according to the user's customized needs, and send the virtual resource transfer request message to the specified virtual resource system, so that the specified virtual resource system can perform corresponding virtual resource processing on the virtual resource transfer request message.

[0093] The technical solution of this embodiment transfers the target virtual resources stored in the first account to the second account through the target virtual resource system, thereby realizing the corresponding virtual resource processing of the virtual resource transfer request message, which helps to improve the success rate of virtual resource processing.

[0094] The following example illustrates the virtual resource processing method provided in this application. This example demonstrates the application of this method to a server (or terminal). Figure 2 As shown, the main steps include:

[0095] The first step is for the server to receive a virtual resource transfer request.

[0096] The second step is for the server to determine the first issuance information corresponding to the first account information, and to determine the second issuance information corresponding to the second account information.

[0097] The third step is for the server to determine whether the first issuing institution and the second issuing institution are the same.

[0098] Fourth, if the first issuing institution and the second issuing institution are the same, the server will identify the virtual resource system corresponding to the first issuing institution as the target virtual resource system.

[0099] Fifth step: If the first issuing institution and the second issuing institution are different, the server determines whether the types of the first issuing institution and the second issuing institution are the same.

[0100] Step 6: If the first issuing institution type and the second issuing institution type are the same, the server will identify the virtual resource system corresponding to the first issuing institution type as the target virtual resource system.

[0101] Step 7: If the first issuing organization type and the second issuing organization type are different, and the virtual resource value is greater than or equal to the preset virtual resource threshold, the server will identify the second issuing organization's virtual resource system as the target virtual resource system.

[0102] Step 8: If the first issuing organization type and the second issuing organization type are different, and the virtual resource value is less than the preset virtual resource threshold, the server will identify the first headquarters virtual resource system as the target virtual resource system.

[0103] Step 9: The server confirms that the message format corresponding to the target virtual resource system is the target message format.

[0104] Step 10: The server assembles the virtual resource transfer request according to the target message format and generates a virtual resource transfer request message.

[0105] In the eleventh step, the server sends a virtual resource transfer request message to the target virtual resource system, causing the target virtual resource system to transfer the target virtual resource stored in the first account to the second account.

[0106] Step 12: The server sends virtual resource transfer query information to the target virtual resource system at preset time intervals, so that the target virtual resource system can provide feedback on the virtual resource processing results of the virtual resource transfer request message.

[0107] Step 13: The server displays the results of the virtual resource processing.

[0108] The virtual resource transfer request includes first account information, second account information, and virtual resource information; the first issuance information includes the first issuing institution type, and the second issuance information includes the second issuing institution type; the candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution; the candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution type, the first issuance information also includes the first issuing institution, and the second issuance information also includes the second issuing institution; the candidate virtual resource system set includes the virtual resource system of the second head office; the virtual resource information includes the virtual resource value, and the candidate virtual resource system set includes the virtual resource system of the first head office; the first account is the account corresponding to the first account information, the second account is the account corresponding to the second account information, and the target virtual resource is the virtual resource corresponding to the virtual resource information.

[0109] The technical solution of this embodiment obtains a virtual resource transfer request containing account information and virtual resource information of both parties. Based on the information in the virtual resource transfer request, it filters out a matching virtual resource system from multiple candidate virtual resource systems. This allows for the selection of a virtual resource system that can process the virtual resource transfer request more successfully and quickly from among multiple systems capable of virtual resource transfer. The matching virtual resource system then processes the virtual resource transfer request, thereby improving the success rate and efficiency of virtual resource processing. Furthermore, it provides multiple cross-organizational virtual resource transfer processing channels, enabling 24 / 7 virtual resource transfer and improving the availability of the virtual resource system.

[0110] It should be understood that although the steps in the flowcharts of the embodiments described above are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the embodiments described above may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0111] Based on the same inventive concept, this application also provides a virtual resource processing apparatus for implementing the virtual resource processing method described above. The solution provided by this apparatus is similar to the implementation scheme described in the above method; therefore, the specific limitations in one or more virtual resource processing apparatus embodiments provided below can be found in the limitations of the virtual resource processing method described above, and will not be repeated here.

[0112] In one embodiment, such as Figure 6 As shown, a virtual resource processing device 600 is provided, which may include:

[0113] The request acquisition module 601 is used to acquire a virtual resource transfer request; the virtual resource transfer request includes first account information, second account information, and virtual resource information.

[0114] The system filtering module 602 is used to filter out the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set based on the first account information, the second account information and the virtual resource information, and confirm it as the target virtual resource system;

[0115] The message sending module 603 is used to send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated according to the virtual resource transfer request.

[0116] In one embodiment, the virtual resource information includes a virtual resource value, and the candidate virtual resource system set includes a first headquarters virtual resource system; the system filtering module 602 is further configured to determine the first issuance information corresponding to the first account information, and to determine the second issuance information corresponding to the second account information; the first issuance information includes a first issuing institution type, and the second issuance information includes a second issuing institution type; if the first issuing institution type and the second issuing institution type are different, and the virtual resource value is less than a preset virtual resource threshold, the first headquarters virtual resource system is identified as the target virtual resource system.

[0117] In one embodiment, the candidate virtual resource system set includes a second headquarters virtual resource system; the device 600 further includes: a first virtual resource system confirmation module, used to confirm the second headquarters virtual resource system as the target virtual resource system when the first issuing organization type is different from the second issuing organization type and the virtual resource value is greater than or equal to the preset virtual resource threshold.

[0118] In one embodiment, the candidate virtual resource system set includes virtual resource systems corresponding to the first issuing institution type, the first issuing information further includes a first issuing institution, and the second issuing information further includes a second issuing institution; the device 600 further includes: a type judgment module, used to determine whether the first issuing institution type and the second issuing institution type are the same when the first issuing institution and the second issuing institution are different; the device 600 further includes: a second virtual resource system confirmation module, used to confirm the virtual resource system corresponding to the first issuing institution type as the target virtual resource system when the first issuing institution type and the second issuing institution type are the same.

[0119] In one embodiment, the candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution; the device 600 further includes: an institution judgment module, used to determine whether the first issuing institution and the second issuing institution are the same; the device 600 further includes: a third virtual resource system confirmation module, used to confirm the virtual resource system corresponding to the first issuing institution as the target virtual resource system when the first issuing institution and the second issuing institution are the same.

[0120] In one embodiment, the device 600 further includes: a request message obtaining module, configured to confirm the message format corresponding to the target virtual resource system as the target message format; and to assemble the virtual resource transfer request according to the target message format to generate the virtual resource transfer request message.

[0121] In one embodiment, the device 600 further includes: a result display module, configured to send virtual resource transfer query information to the target virtual resource system at preset time intervals, so that the target virtual resource system can provide feedback on the virtual resource processing result for the virtual resource transfer request message; and display the virtual resource processing result.

[0122] In one embodiment, the message sending module 603 is further configured to send the virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system transfers the target virtual resource stored in the first account to the second account; the first account is the account corresponding to the first account information, the second account is the account corresponding to the second account information, and the target virtual resource is the virtual resource corresponding to the virtual resource information.

[0123] Each module in the aforementioned virtual resource processing device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can invoke and execute the operations corresponding to each module.

[0124] It should be noted that the virtual resource processing method and apparatus provided in this application can be used in the financial field involving virtual resource processing, or in any field other than the financial field involving virtual resource processing. The application field of the virtual resource processing method and apparatus provided in this application is not limited.

[0125] In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as follows: Figure 7 As shown, this computer device includes a processor, memory, input / output (I / O) interfaces, and a communication interface. The processor, memory, and I / O interfaces are connected via a system bus, and the communication interface is also connected to the system bus via the I / O interfaces. The processor provides computational and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system, computer programs, and a database. The internal memory provides the environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The database stores data for virtual resource processing (such as a set of candidate virtual resource systems). The I / O interfaces are used for exchanging information between the processor and external devices. The communication interface is used for communicating with external terminals via a network connection. When the computer program is executed by the processor, it implements a virtual resource processing method.

[0126] Those skilled in the art will understand that Figure 7 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0127] In one embodiment, a computer device is also provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the steps in the above method embodiments.

[0128] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon that, when executed by a processor, implements the steps in the above method embodiments.

[0129] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the steps in the above method embodiments.

[0130] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data shall comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0131] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0132] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0133] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A method for processing virtual resources, characterized in that, The method includes: Obtain a virtual resource transfer request; the virtual resource transfer request includes first account information, second account information, and virtual resource information; Based on the first account information, the second account information, and the virtual resource information, a virtual resource system matching the virtual resource transfer request is selected from the candidate virtual resource system set and confirmed as the target virtual resource system; the virtual resource system includes the People's Bank of China's Super Online Banking System or the People's Bank of China's Large and Small Value Payment System; A virtual resource transfer request message is sent to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request. The virtual resource information includes a virtual resource value, wherein the virtual resource value includes the transfer amount; the candidate virtual resource system set includes a first headquarters virtual resource system; the step of selecting a virtual resource system matching the virtual resource transfer request from the candidate virtual resource system set based on the first account information, the second account information, and the virtual resource information, and confirming it as the target virtual resource system, includes: Determine the first issuance information corresponding to the first account information, and determine the second issuance information corresponding to the second account information; the first issuance information includes a first issuing institution type, and the second issuance information includes a second issuing institution type; If the first issuing institution type is different from the second issuing institution type, and the virtual resource value is less than the preset virtual resource threshold, the first head office virtual resource system is identified as the target virtual resource system.

2. The method according to claim 1, characterized in that, The candidate virtual resource system set includes the second headquarters virtual resource system; The method further includes: If the first issuing institution type and the second issuing institution type are different, and the virtual resource value is greater than or equal to the preset virtual resource threshold, the second head office virtual resource system is identified as the target virtual resource system.

3. The method according to claim 1, characterized in that, The candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution type, the first issuing information also includes the first issuing institution, and the second issuing information also includes the second issuing institution; Before confirming the first head office virtual resource system as the target virtual resource system, if the first issuing institution type is different from the second issuing institution type and the virtual resource value is less than a preset virtual resource threshold, the method further includes: If the first issuing institution and the second issuing institution are not the same, determine whether the type of the first issuing institution and the type of the second issuing institution are the same; The method further includes: If the first issuing institution type and the second issuing institution type are the same, the virtual resource system corresponding to the first issuing institution type shall be identified as the target virtual resource system.

4. The method according to claim 3, characterized in that, The candidate virtual resource system set includes the virtual resource system corresponding to the first issuing institution; If the first issuing institution and the second issuing institution are not the same, before determining whether the types of the first issuing institution and the second issuing institution are the same, the process further includes: Determine whether the first issuing institution and the second issuing institution are the same; The method further includes: If the first issuing institution and the second issuing institution are the same, the virtual resource system corresponding to the first issuing institution shall be identified as the target virtual resource system.

5. The method according to claim 1, characterized in that, The virtual resource transfer request message is obtained in the following manner: The message format corresponding to the target virtual resource system is confirmed as the target message format; According to the target message format, the virtual resource transfer request is assembled to generate the virtual resource transfer request message.

6. The method according to claim 1, characterized in that, After sending a virtual resource transfer request message to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message, the method further includes: Virtual resource transfer query information is sent to the target virtual resource system at preset time intervals, so that the target virtual resource system can provide feedback on the virtual resource processing result for the virtual resource transfer request message; The results of the virtual resource processing are displayed.

7. The method according to claim 1, characterized in that, Sending a virtual resource transfer request message to the target virtual resource system, causing the target virtual resource system to perform corresponding virtual resource processing on the virtual resource transfer request message, includes: Send the virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system transfers the target virtual resource stored in the first account to the second account; the first account is the account corresponding to the first account information, the second account is the account corresponding to the second account information, and the target virtual resource is the virtual resource corresponding to the virtual resource information.

8. A virtual resource processing device, characterized in that, The device includes: The request acquisition module is used to acquire virtual resource transfer requests; the virtual resource transfer requests include first account information, second account information, and virtual resource information. The system filtering module is used to filter out the virtual resource system that matches the virtual resource transfer request from the candidate virtual resource system set based on the first account information, the second account information and the virtual resource information, and confirm it as the target virtual resource system; The message sending module is used to send a virtual resource transfer request message to the target virtual resource system, so that the target virtual resource system performs corresponding virtual resource processing on the virtual resource transfer request message; the virtual resource transfer request message is generated based on the virtual resource transfer request. The virtual resource information includes a virtual resource value, and the candidate virtual resource system set includes a first headquarters virtual resource system; the system filtering module is specifically used to determine the first issuance information corresponding to the first account information and the second issuance information corresponding to the second account information; the first issuance information includes a first issuing institution type, and the second issuance information includes a second issuing institution type; if the first issuing institution type and the second issuing institution type are different, and the virtual resource value is less than a preset virtual resource threshold, the first headquarters virtual resource system is confirmed as the target virtual resource system.

9. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 7.

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