Guaranteed resource processing method and device, computer device and storage medium

Abstract

This application relates to a method, apparatus, computer device, and storage medium for processing collateral resources. This application can be used in the fintech field or other related fields. The method includes: responding to a processing request for collateral resources for a target user, obtaining a target collateral resource combination matching the processing request from multiple collateral resource combinations associated with the target user; each collateral resource combination carries at least two collateral resources, each collateral resource being used to provide resource collateral for a virtual resource conversion service; the virtual resource conversion service is used to convert a first virtual resource of the target user into a second virtual resource of a different resource type than the first virtual resource; and processing the target collateral resources contained in the target collateral resource combination according to the collateral resource processing method represented by the processing request. This method enables batch processing of collateral resources within the same collateral resource combination, thereby improving the intelligence of collateral resource processing.

Description

Technical Field

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

[0002] With the development of data processing technology, a technology has emerged that converts virtual resources into other types of resources. Users can use a first virtual resource of one resource type to convert into a second virtual resource of another resource type. Furthermore, to ensure the smooth execution of this virtual resource conversion process, users need to provide a certain amount of collateral resources to guarantee the successful transfer of virtual resources.

[0003] In traditional technologies, when a user initiates multiple virtual resource conversion services, multiple guarantee resources are provided for each virtual resource conversion service. However, the processing of these multiple guarantee resources is usually done separately, which makes the existing guarantee resource processing not intelligent enough. Summary of the Invention

[0004] Therefore, it is necessary to provide a collateral resource processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can improve the intelligence of collateral resource processing in response to the above-mentioned technical problems.

[0005] Firstly, this application provides a method for processing collateral resources, the method comprising:

[0006] In response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource.

[0007] The target collateral resources included in the target collateral resource portfolio are processed according to the collateral resource processing method represented by the processing request.

[0008] In one embodiment, the processing request includes: a resource quantity adjustment request for adjusting the resource quantity of the target guaranteed resources included in the target guaranteed resource portfolio; the processing of the target guaranteed resources included in the target guaranteed resource portfolio according to the guaranteed resource processing method represented by the processing request includes: obtaining target virtual resource conversion services corresponding to each target guaranteed resource, and resource netting information corresponding to each target virtual resource conversion service; obtaining group netting information corresponding to the target guaranteed resource portfolio based on the resource netting information, and obtaining the resource quantity to be adjusted for the target guaranteed resource portfolio based on the group netting information; and adjusting the resource quantity of the target guaranteed resources using the resource quantity to be adjusted.

[0009] In one embodiment, adjusting the amount of the target guarantee resource using the amount of resource to be adjusted includes: when the amount of resource to be adjusted represents the amount of resource to be added to the target guarantee resource, obtaining a first target guarantee resource; the first target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion service with the longest service completion time among the target virtual resource conversion services; and adding the amount of resource to be adjusted to the first target guarantee resource.

[0010] In one embodiment, adjusting the amount of the target guarantee resource using the amount of the resource to be adjusted includes: when the amount of the resource to be adjusted represents the amount of the target guarantee resource to be released, obtaining a second target guarantee resource; the second target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion service with the shortest service completion time in the target virtual resource conversion service; and releasing the amount of the resource to be adjusted from the second target guarantee resource.

[0011] In one embodiment, the processing request includes: a resource query request for querying the target guaranteed resources included in the target guaranteed resource portfolio; the processing of the target guaranteed resources included in the target guaranteed resource portfolio according to the guaranteed resource processing method represented by the processing request includes: obtaining the guaranteed resource quantity of each target guaranteed resource in the target guaranteed resource portfolio, and obtaining the total guaranteed resource quantity corresponding to the target guaranteed resource portfolio based on the sum of the guaranteed resource quantities; displaying each guaranteed resource quantity and the total guaranteed resource quantity.

[0012] In one embodiment, the method further includes: upon completion of a virtual resource conversion service, acquiring a first guarantee resource matching the virtual resource conversion service, and a combination of guarantee resources to be transferred containing the first guarantee resource; transferring the resource amount of the first guarantee resource to a second guarantee resource in the combination of guarantee resources to be transferred; the second guarantee resource is the guarantee resource corresponding to the virtual resource conversion service with the longest completion time among the virtual resource conversion services corresponding to the guarantee resources contained in the combination of guarantee resources to be transferred.

[0013] In one embodiment, the processing request carries a group identifier; the group identifier is used to identify different combinations of guaranteed resources; the step of obtaining a target guaranteed resource combination that matches the processing request from multiple guaranteed resource combinations associated with the target user in response to the processing request includes: obtaining the group identifier carried in the processing request in response to the processing request; obtaining the guaranteed resource combination that matches the group identifier from the guaranteed resource combinations associated with the target user as the target guaranteed resource combination.

[0014] In one embodiment, before responding to the processing request for the guaranteed resources for the target user, the method further includes: responding to the new virtual resource conversion service initiated by the target user, obtaining the guaranteed resources corresponding to the new virtual resource conversion service and the service type corresponding to the new virtual resource conversion service; obtaining a guaranteed resource combination that matches the service type from multiple guaranteed resource combinations associated with the target user, and storing the guaranteed resources corresponding to the new virtual resource conversion service into the guaranteed resource combination that matches the service type.

[0015] Secondly, this application also provides a collateral resource processing apparatus, the apparatus comprising:

[0016] The target combination acquisition module is used to respond to a processing request for guaranteed resources for a target user, and to acquire a target guaranteed resource combination that matches the processing request from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource;

[0017] The collateral resource processing module is used to process the target collateral resources included in the target collateral resource combination according to the collateral resource processing method represented by the processing request.

[0018] 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:

[0019] In response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource.

[0020] The target collateral resources included in the target collateral resource portfolio are processed according to the collateral resource processing method represented by the processing request.

[0021] 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:

[0022] In response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource.

[0023] The target collateral resources included in the target collateral resource portfolio are processed according to the collateral resource processing method represented by the processing request.

[0024] 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:

[0025] In response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource.

[0026] The target collateral resources included in the target collateral resource portfolio are processed according to the collateral resource processing method represented by the processing request.

[0027] The aforementioned guarantee resource processing method, apparatus, computer equipment, storage medium, and computer program product, in response to a processing request for guarantee resources for a target user, obtains a target guarantee resource combination matching the processing request from multiple guarantee resource combinations associated with the target user. Each guarantee resource combination carries at least two guarantee resources, each guarantee resource being used to provide resource guarantees for each virtual resource conversion service. The virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource. The target guarantee resources contained in the target guarantee resource combination are processed according to the guarantee resource processing method represented by the processing request. In this embodiment, when processing the guarantee resources of the target user, the target guarantee resource combination containing at least two guarantee resources that needs to be processed can be determined first. Then, the target guarantee resources contained in the target guarantee resource combination can be processed according to the processing method corresponding to the processing request. Compared to processing multiple guarantee resources of a user separately, this application achieves batch processing of guarantee resources in the same guarantee resource combination, thereby improving the intelligence of guarantee resource processing. Attached Figure Description

[0028] Figure 1 This is a flowchart illustrating a method for processing collateral resources in one embodiment;

[0029] Figure 2 This is a flowchart illustrating the processing of target collateral resources in one embodiment;

[0030] Figure 3 This is a schematic diagram illustrating the process of transferring collateral resources in one embodiment;

[0031] Figure 4 This is a schematic diagram of the process for updating the portfolio of collateral resources in one embodiment;

[0032] Figure 5 A schematic diagram of the business process for handling guaranteed resources in an application instance;

[0033] Figure 6 A schematic diagram illustrating the implementation process of guaranteed resource processing in an application instance;

[0034] Figure 7 This is a structural block diagram of a guarantee resource processing device in one embodiment;

[0035] Figure 8 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0036] 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.

[0037] In one embodiment, such as Figure 1 As shown, a method for processing collateral resources is provided. This embodiment illustrates the method applied to a terminal, but it is understood that the method can also be applied to a server, or to a system including both a terminal and a server, and implemented through interaction between the terminal and the server. In this embodiment, the method includes the following steps:

[0038] Step S101: In response to the processing request for the guaranteed resources of the target user, obtain the target guaranteed resource combination that matches the processing request from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantee for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource with a different resource type than the first virtual resource.

[0039] In this context, the guarantee resource is a resource provided to guarantee the virtual resource conversion service initiated by the target user. This virtual resource conversion service transforms the target user's first virtual resource into a second virtual resource of a different type. The target user is the user for whom the guarantee resource processing is required. In this embodiment, when the target user initiates a virtual resource conversion service to convert a different type of virtual resource, a portion of resources is also provided as a guarantee resource to ensure the smooth execution of the virtual resource conversion service.

[0040] A guaranteed resource combination refers to a resource combination containing at least two guaranteed resources. The target user can initiate virtual resource conversion transactions multiple times, and each virtual resource conversion transaction can correspond to a guaranteed resource used to provide resource guarantees. Therefore, the terminal can pre-combine multiple guaranteed resources for the target user, for example, by combining them according to the type of guaranteed resources, that is, combining multiple guaranteed resources of the same type to form a guaranteed resource combination associated with the target user. The target guaranteed resource combination refers to the guaranteed resource combination matched with the processing request used to process the guaranteed resources of the target user.

[0041] For example, a virtual resource conversion service initiated by a target user may include: Service A, Service B, Service C, and Service D. The corresponding guaranteed resources for each virtual resource conversion service may be: Guaranteed Resource A, Guaranteed Resource B, Guaranteed Resource C, and Guaranteed Resource D, respectively. Guaranteed Resources A and B can form Guaranteed Resource Combination A, while Guaranteed Resources C and D can form Guaranteed Resource Combination B. When initiating a processing request for guaranteed resources from the target user, a Guaranteed Resource Combination matching the processing request can be selected from either Guaranteed Resource Combination A or Guaranteed Resource Combination B. This processing request can involve processing the guaranteed resources in Guaranteed Resource Combination A, thus Guaranteed Resource Combination A can be used as the target Guaranteed Resource Combination.

[0042] Step S102: Process the target collateral resources included in the target collateral resource combination according to the collateral resource processing method represented by the processing request.

[0043] The processing method for collateral resources refers to the processing method that matches the processing request. There can be multiple types of processing requests initiated for collateral resources of the target user, each used to implement different collateral resource processing methods. For example, the processing request may be a request to query collateral resources, and the corresponding processing method is to query the collateral resources contained in the corresponding target collateral resource combination, that is, to query the target collateral resources. At the same time, the processing request may also be a request to update the resource quantity of the target collateral resources, and the corresponding processing method is to update the resource quantity of the target collateral resources.

[0044] In this embodiment, after the terminal determines the target guarantee resource combination corresponding to the processing request, it can process the guarantee resources contained in the target guarantee resource combination, i.e., the target guarantee resources, according to the guarantee resource processing method corresponding to the processing request.

[0045] In the above-described method for processing guaranteed resources, in response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user. Each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service. The virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource. The target guaranteed resources contained in the target guaranteed resource combination are processed according to the guaranteed resource processing method represented by the processing request. In this embodiment, when processing the guaranteed resources of the target user, the target guaranteed resource combination containing at least two guaranteed resources that needs to be processed can be determined first. Then, the target guaranteed resources contained in the target guaranteed resource combination can be processed according to the processing method corresponding to the processing request. Compared with processing multiple guaranteed resources of a user separately, this application realizes batch processing of guaranteed resources in the same guaranteed resource combination, thereby improving the intelligence of guaranteed resource processing.

[0046] In one embodiment, the processing request includes: a resource quantity adjustment request for adjusting the resource quantity of the target collateral resources included in the target collateral resource portfolio; such as Figure 2 As shown, step S102 may further include:

[0047] Step S201: Obtain the target virtual resource conversion business corresponding to each target guaranteed resource, and the resource netting information corresponding to each target virtual resource conversion business.

[0048] A resource quantity adjustment request is a request used to adjust the resource quantity of the target guaranteed resources included in the target guaranteed resource portfolio. In this embodiment, if it is necessary to adjust the resource quantity of the target guaranteed resources, a resource quantity adjustment request can be triggered for the target guaranteed resource portfolio. The target virtual resource conversion service refers to the virtual resource conversion service corresponding to the target guaranteed resources, and the resource netting information refers to the netting information corresponding to the virtual resource conversion service. This netting information can be determined by evaluating the target virtual resource conversion service.

[0049] Specifically, if the processing request is for adjusting the resource quantity of the target guaranteed resource portfolio, the terminal can obtain the target virtual resource conversion service corresponding to each target guaranteed resource in the target guaranteed resource portfolio. At the same time, it can also evaluate the corresponding target virtual resource conversion service to obtain the resource netting information corresponding to each target virtual resource conversion service.

[0050] Step S202: Based on the resource netting information, obtain the group netting information corresponding to the target guaranteed resource portfolio, and based on the group netting information, obtain the amount of resources to be adjusted for the target guaranteed resource portfolio.

[0051] Grouped netting information refers to the comprehensive netting information corresponding to the target guaranteed resource portfolio. After obtaining the resource netting information for each target guaranteed resource, the terminal can summarize the above resource netting information, which can be done by summing, to obtain the netting information corresponding to the target guaranteed resource portfolio, i.e., grouped netting information. Subsequently, the terminal can further calculate the amount of resources that need to be adjusted for the target guaranteed resource portfolio based on the grouped netting information, i.e., the amount of resources to be adjusted.

[0052] Step S203: Adjust the amount of the target guaranteed resource using the amount of resource to be adjusted.

[0053] After obtaining the amount of resources to be adjusted in step S202, the amount of resources to be adjusted can be used to adjust the amount of resources of the target guaranteed resource.

[0054] In this embodiment, if the processing request is a resource quantity adjustment request for adjusting the resource quantity of the target guaranteed resource combination, the terminal can obtain the group netting information corresponding to the target guaranteed resource combination, and then use the group netting information to obtain the resource quantity to be adjusted, thereby realizing the adjustment of resource quantity through netting information and improving the accuracy of resource adjustment.

[0055] Furthermore, step S203 may further include: when the amount of resources to be adjusted is represented as the amount of resources to be added as target guarantee resources, obtaining the first target guarantee resource; the first target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion business with the longest business completion time among the target virtual resource conversion businesses; and adding the amount of resources to be adjusted to the first target guarantee resource.

[0056] The first target guarantee resource refers to the target guarantee resource with the longest completion time among the target guarantee resources. For example, target guarantee resources may include guarantee resource A and guarantee resource B, and the completion time of the virtual resource conversion business corresponding to guarantee resource A (i.e., business A) is earlier than the completion time of the virtual resource conversion business corresponding to guarantee resource B (i.e., business B). Then, the first target guarantee resource can be guarantee resource B.

[0057] Specifically, if the amount of resources to be adjusted represents the amount of resources that need to be increased in the target guaranteed resource portfolio, then the terminal can first determine the first target guaranteed resource from the target guaranteed resources included in the target guaranteed resource portfolio, and add the above-mentioned amount of resources to be adjusted to the first target guaranteed resource.

[0058] In this embodiment, if it is necessary to add resources to the target guarantee resource portfolio, after obtaining the amount of resources to be adjusted, the first target guarantee resource can be further determined from the target guarantee resource portfolio, and the amount of resources to be adjusted can be added to the first target guarantee resource. This achieves the increase of resources for the target guarantee resource portfolio without having to add each target guarantee resource separately, thereby improving the intelligence of guarantee resource addition.

[0059] In addition, step S203 may further include: when the amount of resources to be adjusted is represented as the amount of resources to be released as the target guarantee resources, obtaining a second target guarantee resource; the second target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion business with the shortest business completion time in the target virtual resource conversion business; and releasing the amount of resources to be adjusted from the second target guarantee resource.

[0060] The second target collateral resource refers to the target collateral resource with the shortest completion time among the target collateral resources. For example, a combination of target collateral resources may include collateral resource A and collateral resource B, where the completion time of the virtual resource conversion business corresponding to collateral resource A (business A) is earlier than the completion time of the virtual resource conversion business corresponding to collateral resource B (business B). In this case, the second target collateral resource can be collateral resource A.

[0061] Specifically, if the amount of resources to be adjusted represents the amount of resources in the target guaranteed resource portfolio that needs to be released, then the terminal can first determine the second target guaranteed resource from the target guaranteed resources included in the target guaranteed resource portfolio, and release the aforementioned amount of resources to be adjusted from the second target guaranteed resource.

[0062] In this embodiment, if it is necessary to release the resource quantity of the target collateral resource combination, after obtaining the resource quantity to be adjusted, a second target collateral resource can be further determined from the target collateral resource combination, and the resource quantity to be adjusted can be released from the second target collateral resource. This realizes the release of resource quantity for the target collateral resource combination without having to release each target collateral resource separately, thereby improving the intelligence of collateral resource release.

[0063] In one embodiment, the processing request includes: a resource query request for querying the target guaranteed resources contained in the target guaranteed resource portfolio; processing the target guaranteed resources contained in the target guaranteed resource portfolio according to the guaranteed resource processing method represented by the processing request, including: obtaining the guaranteed resource quantity of each target guaranteed resource in the target guaranteed resource portfolio, and obtaining the total guaranteed resource quantity corresponding to the target guaranteed resource portfolio based on the sum of the guaranteed resource quantities; displaying the guaranteed resource quantities and the total guaranteed resource quantity.

[0064] A resource query request refers to a request to query the resource quantity of a target guaranteed resource. In this embodiment, the terminal can also query the guaranteed resources associated with the target user, and this query can also be performed on a combination of guaranteed resources. The guaranteed resource quantity refers to the resource quantity corresponding to each target guaranteed resource in the target guaranteed resource combination, and the total guaranteed resource quantity refers to the sum of the resource quantities corresponding to each of the above-mentioned target guaranteed resources, that is, the resource quantity of the guaranteed resources included in the target guaranteed resource combination.

[0065] For example, the target collateral resources may include collateral resource A and collateral resource B. When a query is initiated through the terminal for the target collateral resource combination that includes collateral resource A and collateral resource B, the terminal can first obtain the resource quantity corresponding to each target collateral resource, that is, the resource quantity A and resource quantity B corresponding to collateral resource A and collateral resource B respectively. Then, the terminal can calculate the sum of resource quantity A and resource quantity B as the resource quantity of the target collateral resource combination. The terminal can also display resource quantity A, resource quantity B and the resource quantity of the target collateral resource combination.

[0066] In this embodiment, when querying the guarantee resources of a target user, the query can be for the resource quantity of the target guarantee resource combination. At this time, the terminal can display the resource quantity of each target guarantee resource included in the target guarantee resource combination, as well as the sum of the above resource quantities, thereby realizing the display of the resource quantity of the target guarantee resource combination and improving the intelligence of guarantee resource query.

[0067] In one embodiment, the collateral resource processing method, such as Figure 3 As shown, it may also include:

[0068] Step S301: If the virtual resource conversion business is completed, obtain the first guarantee resource that matches the virtual resource conversion business, and the combination of guarantee resources to be transferred that includes the first guarantee resource.

[0069] The first guarantee resource refers to the guarantee resource corresponding to the completed virtual resource conversion service, while the guarantee resource combination to be transferred is the combination of guarantee resources that includes the first guarantee resource. In this embodiment, if a virtual resource conversion service initiated by the target user is completed, the terminal can determine the guarantee resource corresponding to the completed virtual resource conversion service as the first guarantee resource, and use the combination of guarantee resources that includes the first guarantee resource as the combination of guarantee resources to be transferred.

[0070] Step S302: Transfer the resource quantity of the first guarantee resource to the second guarantee resource in the guarantee resource combination to be transferred; the second guarantee resource is the guarantee resource corresponding to the virtual resource conversion business with the longest business completion time among the virtual resource conversion businesses corresponding to the guarantee resources included in the guarantee resource combination to be transferred.

[0071] The second collateral resource refers to the collateral resource with the longest business completion time among the collateral resources included in the collateral resource portfolio to be transferred. After the virtual resource conversion business is completed, the terminal can transfer the first collateral resource provided by the target user for the virtual resource conversion business to the second collateral resource in the collateral resource portfolio to be transferred, which includes the first collateral resource, thereby realizing the transfer of collateral resources.

[0072] For example, a certain guarantee resource combination may include guarantee resource A, guarantee resource B, and guarantee resource C. The completion time of business A corresponding to guarantee resource A is earlier than the completion time of business B corresponding to guarantee resource B. At the same time, the completion time of business B corresponding to guarantee resource B is earlier than the completion time of business C corresponding to guarantee resource C. Then, when business A is completed, the guarantee resource A provided to the target user for business A can be transferred to the guarantee resource corresponding to the business that is in the same guarantee resource combination as guarantee resource A and has the longest completion time. That is, guarantee resource A is transferred to guarantee resource C.

[0073] In this embodiment, after the virtual resource conversion service is completed, the terminal can identify the first guarantee resource corresponding to the virtual resource conversion service and transfer the first guarantee resource to the second guarantee resource of the guarantee resource combination to be transferred, which contains the first guarantee resource, thereby realizing the transfer of guarantee resources for the same guarantee resource combination and further improving the intelligence of guarantee resource processing.

[0074] In one embodiment, the processing request carries a group identifier; the group identifier is used to identify different combinations of guaranteed resources; step S101 may further include: in response to the processing request, obtaining the group identifier carried in the processing request; obtaining the guaranteed resource combination that matches the group identifier from the guaranteed resource combinations associated with the target user, as the target guaranteed resource combination.

[0075] A group identifier is used to identify a combination of guaranteed resources, such as a group number. In this embodiment, the terminal can pre-store the correspondence between each group identifier and a guaranteed resource combination. In this embodiment, when initiating a processing request for guaranteed resources for a target user, the processing request can also include the group identifier of the guaranteed resource combination to be processed. After receiving the processing request, the terminal can obtain the group identifier carried in the processing request. Then, based on the aforementioned group identifier, the terminal can filter out the guaranteed resource combination represented by that group identifier from the guaranteed resource combinations associated with the target user, and use this as the target guaranteed resource combination.

[0076] For example, the collateral resource combination associated with the target user may include collateral resource combination A and collateral resource combination B, where collateral resource combination A corresponds to group identifier A, and collateral resource combination B corresponds to group identifier B. When initiating a processing request, if the processing request carries group identifier A, the terminal can use collateral resource combination A as the target collateral resource combination.

[0077] In this embodiment, when initiating a processing request, the processing request may also carry a group identifier corresponding to the target guaranteed resource combination that needs to be processed. When the terminal responds to the processing request, it can select the guaranteed resource combination that matches the group identifier from the guaranteed resource combinations based on the above group identifier as the target guaranteed resource combination, thereby improving the efficiency of obtaining the target guaranteed resource combination.

[0078] In one embodiment, such as Figure 4 As shown, before step S101, the following may also be included:

[0079] Step S401: In response to the new virtual resource conversion service initiated by the target user, obtain the guarantee resources corresponding to the new virtual resource conversion service and the service type corresponding to the new virtual resource conversion service.

[0080] The newly added virtual resource conversion service refers to a new virtual resource conversion service added by the target user. When the target user needs to initiate a new virtual resource conversion service for converting virtual resources, they can initiate a new virtual resource conversion service to the terminal and provide the guaranteed resources for the new virtual resource conversion service. At this time, the terminal can respond to the new virtual resource conversion service initiated by the target user, thereby obtaining the guaranteed resources corresponding to the target user's new virtual resource conversion service, and also determining the service type corresponding to the new virtual resource conversion service. The distinction of the service type can be based on the resource type conversion relationship between different first virtual resources and second virtual resources. For example, service type 1 represents converting the first virtual resource of resource type 1 into the second virtual resource of resource type 2, and service type 2 represents converting the first virtual resource of resource type 1 into the second virtual resource of resource type 3, etc. It can also be represented by the resource type of different guaranteed resources. For example, service type 1 represents the guaranteed resources of resource type 1, and service type 2 represents the guaranteed resources of resource type 2, etc. Alternatively, it can be distinguished by the resource type conversion relationship between different first and second virtual resources, as well as the resource type of different guarantee resources. That is, business type 1 is characterized by converting the first virtual resource of resource type 1 into the second virtual resource of resource type 2, while the resource type of the guarantee resource is resource type 1; business type 2 is characterized by converting the first virtual resource of resource type 1 into the second virtual resource of resource type 2, while the resource type of the guarantee resource is resource type 2; business type 3 is characterized by converting the first virtual resource of resource type 1 into the second virtual resource of resource type 3, while the resource type of the guarantee resource is resource type 1; and business type 4 is characterized by converting the first virtual resource of resource type 1 into the second virtual resource of resource type 3, while the resource type of the guarantee resource is resource type 2, and so on.

[0081] Step S402: Obtain the guarantee resource combination that matches the business type from multiple guarantee resource combinations associated with the target user, and store the guarantee resources corresponding to the newly added virtual resource conversion business into the guarantee resource combination that matches the business type.

[0082] Multiple guarantee resource combinations correspond to different business types. In this embodiment, each business type is pre-matched with a corresponding guarantee resource combination. After the terminal determines the business type, it can find the guarantee resource combination that matches the business type from the guarantee resource combinations, and store the guarantee resources corresponding to the newly added virtual resource conversion business into the guarantee resource combination that matches the business type.

[0083] For example, the guarantee resource combination corresponding to business type 1 is guarantee resource combination A. If the new virtual resource conversion business initiated by the target user belongs to business type 1, then the terminal can store the guarantee resources corresponding to the new virtual resource conversion business into guarantee resource combination A.

[0084] In this embodiment, when a target user initiates a new virtual resource conversion service, the terminal can also determine the service type corresponding to the new virtual resource conversion service, and then store the guarantee resources corresponding to the new virtual resource conversion service into a guarantee resource combination that matches the service type, thereby realizing the grouping of guarantee resources and laying the foundation for the batch processing of guarantee resources.

[0085] In one application example, a method for managing collateralized resources is also provided. These collateralized resources are used to provide resource guarantees for the conversion of virtual resources. The business process can be as follows: Figure 5 As shown, the system can achieve the following functions: (1) Support grouping of all businesses for collateral resource netting and support adjustment of groups; (2) Users can specify whether to agree to collateral resource netting management for a certain group by signing an agreement; (3) Use netting to determine whether additional collateral resources are needed; (4) When adding collateral resources, they need to be added to the collateral resources with the furthest maturity date in the group; (5) When withdrawing collateral resources, they need to be withdrawn from the collateral resources with the closest maturity date in the group; (6) When the business ends, the collateral resources are not released, but transferred to the collateral resources with the furthest maturity date in the group. Figure 6 As shown, the implementation method specifically includes the following steps:

[0086] 1. Establish a grouping table to record grouping information and a detailed table to record the group affiliation of business types. Group all business types for guarantee resource management and assign them numbers. If a business type's grouping is adjusted, business transactions occurring before the adjustment will be grouped according to the old group, and business transactions occurring after the adjustment will be grouped according to the new group. Simultaneously, establish a group containing all business types, without netting, and set this group number to 0.

[0087] 2. Establish a grouping agreement table to link the grouping table and the attribution details table. This table records whether a user agrees to a grouping and records the groups the user agrees to. If a user agrees to a group, a new grouping record is added to the user grouping details table, and for each business type within that group, a new record with a non-zero customer information number is added to the attribution details table. User information and guarantee resource information are then entered into the grouping agreement table.

[0088] 3. If the user agrees to grouping, record the guarantee resource group number to which the business type belongs at the time of the transaction in the Virtual Resource Conversion Business Details Table. If the user does not agree to grouping, register the group number as 0.

[0089] 4. Establish a guarantee resource details table to record business information for each virtual resource conversion transaction. At the end of each day, batch register this table according to the existing information; and calculate the resource change based on customer information number + group number + guarantee resource group netting, generating a single record. If the group number is 0, no accumulation is required.

[0090] 5. Guarantee Resource Query Processing: First, count all group numbers for the user. Clicking on a non-zero group number displays information on all guarantee resources within that group, along with a total. Clicking on a zero group number displays information on all guarantee resources within that group, but no total is displayed.

[0091] 6. Processing of additional collateral resources: Based on the query results, for groups with group number 0, additional collateral resources are added one by one; for groups with group number not equal to 0, only the entire group can be added, and the addition is made to the collateral resource with the furthest maturity date within the group.

[0092] 7. Processing of withdrawal of collateral resources: Based on the query results, for groups with group number 0, collateral resources are withdrawn one by one; for groups with group number not equal to 0, the entire group can only be withdrawn, and the withdrawal is made from the collateral resources with the nearest maturity date within the group.

[0093] 8. Handling of virtual resource conversion business completion: The corresponding collateral resources are not released, but are stored in the collateral resources with the furthest expiration date in the group. If there are no collateral resources with the furthest expiration date, the collateral resources are released.

[0094] The above application examples can achieve batch processing of collateral resources for target users through netting management, thereby improving the intelligence of collateral resource processing.

[0095] 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.

[0096] Based on the same inventive concept, this application also provides a collateral resource processing apparatus for implementing the collateral 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 collateral resource processing apparatus embodiments provided below can be found in the limitations of the collateral resource processing method described above, and will not be repeated here.

[0097] In one embodiment, such as Figure 7 As shown, a collateral resource processing device is provided, including: a target combination acquisition module 701 and a collateral resource processing module 702, wherein:

[0098] The target combination acquisition module 701 is used to respond to a processing request for guaranteed resources for a target user, and to acquire a target guaranteed resource combination that matches the processing request from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource.

[0099] The collateral resource processing module 702 is used to process the target collateral resources contained in the target collateral resource combination according to the collateral resource processing method represented by the processing request.

[0100] In one embodiment, the processing request includes: a resource quantity adjustment request for adjusting the resource quantity of the target guarantee resources included in the target guarantee resource portfolio; the guarantee resource processing module 702 is further configured to obtain the target virtual resource conversion business corresponding to each target guarantee resource, and the resource netting information corresponding to each target virtual resource conversion business; obtain the group netting information corresponding to the target guarantee resource portfolio based on the resource netting information, and obtain the resource quantity to be adjusted for the target guarantee resource portfolio based on the group netting information; and adjust the resource quantity of the target guarantee resources using the resource quantity to be adjusted.

[0101] In one embodiment, the guarantee resource processing module 702 is further configured to obtain a first target guarantee resource when the amount of resource to be adjusted is represented as the amount of resource to be added as a target guarantee resource; the first target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion business with the longest business completion time in the target virtual resource conversion business; and add the amount of resource to be adjusted to the first target guarantee resource.

[0102] In one embodiment, the collateral resource processing module 702 is further configured to acquire a second target collateral resource when the amount of resources to be adjusted is represented as the amount of resources to be released as the target collateral resource; the second target collateral resource is the target collateral resource corresponding to the target virtual resource conversion business with the shortest business completion time in the target virtual resource conversion business; and release the amount of resources to be adjusted from the second target collateral resource.

[0103] In one embodiment, the processing request includes: a resource query request for querying the target guaranteed resources contained in the target guaranteed resource portfolio; a guaranteed resource processing module 702, further configured to obtain the guaranteed resource quantity of each target guaranteed resource in the target guaranteed resource portfolio, and obtain the total guaranteed resource quantity corresponding to the target guaranteed resource portfolio based on the sum of the guaranteed resource quantities; and display the guaranteed resource quantities and the total guaranteed resource quantity.

[0104] In one embodiment, the collateral resource processing device further includes: a collateral resource transfer module, configured to, upon completion of a virtual resource conversion service, acquire a first collateral resource matching the virtual resource conversion service, and a collateral resource combination to be transferred containing the first collateral resource; transfer the resource quantity of the first collateral resource to a second collateral resource in the collateral resource combination to be transferred; the second collateral resource is the collateral resource corresponding to the virtual resource conversion service with the longest completion time among the virtual resource conversion services corresponding to the collateral resources contained in the collateral resource combination to be transferred.

[0105] In one embodiment, the processing request carries a group identifier; the group identifier is used to identify different combinations of guaranteed resources; the target combination acquisition module 701 is further used to, in response to the processing request, acquire the group identifier carried in the processing request; and acquire the guaranteed resource combination that matches the group identifier from the guaranteed resource combinations associated with the target user, as the target guaranteed resource combination.

[0106] In one embodiment, the collateral resource processing device further includes: a resource combination construction module, configured to, in response to a new virtual resource conversion service initiated by a target user, obtain collateral resources corresponding to the new virtual resource conversion service and the service type corresponding to the new virtual resource conversion service; obtain a collateral resource combination matching the service type from multiple collateral resource combinations associated with the target user, and store the collateral resources corresponding to the new virtual resource conversion service into the collateral resource combination matching the service type.

[0107] Each module in the aforementioned collateral 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 call and execute the operations corresponding to each module.

[0108] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 8 As shown. The computer device includes a processor, memory, communication interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a resource-secured processing method. The display screen can be an LCD screen or an e-ink screen. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the computer device casing, or an external keyboard, touchpad, or mouse.

[0109] Those skilled in the art will understand that Figure 8 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.

[0110] 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.

[0111] 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.

[0112] 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.

[0113] 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.

[0114] 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.

[0115] 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.

[0116] 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 collateral resources, characterized in that, The method includes: In response to a processing request for guaranteed resources for a target user, a target guaranteed resource combination matching the processing request is obtained from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource. The target collateral resources included in the target collateral resource portfolio are processed according to the collateral resource processing method represented by the processing request.

2. The method according to claim 1, characterized in that, The processing request includes: a resource quantity adjustment request for adjusting the resource quantity of the target guarantee resources included in the target guarantee resource portfolio; The step of processing the target collateral resources included in the target collateral resource portfolio according to the collateral resource processing method represented by the processing request includes: Obtain the target virtual resource conversion business corresponding to each of the target guaranteed resources, and the resource netting information corresponding to each of the target virtual resource conversion businesses; Based on the resource netting information, group netting information corresponding to the target guaranteed resource portfolio is obtained, and based on the group netting information, the amount of resources to be adjusted for the target guaranteed resource portfolio is obtained. The amount of the target guaranteed resource is adjusted using the amount of resource to be adjusted.

3. The method according to claim 2, characterized in that, The step of adjusting the amount of the target guaranteed resource using the amount of resource to be adjusted includes: When the amount of resources to be adjusted represents the amount of resources to be added to the target guarantee resource, a first target guarantee resource is obtained; the first target guarantee resource is the target guarantee resource corresponding to the target virtual resource conversion service with the longest service completion time among the target virtual resource conversion services; The amount of resources to be adjusted is added to the first target guarantee resources.

4. The method according to claim 2, characterized in that, The step of adjusting the amount of the target guaranteed resource using the amount of resource to be adjusted includes: When the amount of resources to be adjusted represents the amount of resources to release the target guaranteed resource, a second target guaranteed resource is obtained; the second target guaranteed resource is the target guaranteed resource corresponding to the target virtual resource conversion service with the shortest service completion time among the target virtual resource conversion services; Release the amount of resources to be adjusted from the second target guaranteed resources.

5. The method according to claim 1, characterized in that, The processing request includes: a resource query request for querying the target guarantee resources included in the target guarantee resource portfolio; The step of processing the target collateral resources included in the target collateral resource portfolio according to the collateral resource processing method represented by the processing request includes: Obtain the amount of collateral resources for each of the target collateral resources in the target collateral resource portfolio, and obtain the total amount of collateral resources corresponding to the target collateral resource portfolio based on the sum of the amounts of each of the target collateral resources; Display the amount of each of the stated collateral resources, as well as the total amount of the stated collateral resources.

6. The method according to claim 1, characterized in that, The method further includes: Upon completion of the virtual resource conversion business, a first guarantee resource matching the virtual resource conversion business is acquired, as well as a combination of guarantee resources to be transferred, including the first guarantee resource. The amount of the first guarantee resource is transferred to the second guarantee resource in the combination of guarantee resources to be transferred; the second guarantee resource is the guarantee resource corresponding to the virtual resource conversion business with the longest business completion time among the virtual resource conversion businesses corresponding to the guarantee resources included in the combination of guarantee resources to be transferred.

7. The method according to claim 1, characterized in that, The processing request carries a group identifier; the group identifier is used to identify different combinations of collateral resources. In response to a processing request for collateral resources for a target user, obtaining a target collateral resource combination that matches the processing request from multiple collateral resource combinations associated with the target user includes: In response to the processing request, obtain the group identifier carried in the processing request; From the guaranteed resource combination associated with the target user, obtain the guaranteed resource combination that matches the group identifier, and use it as the target guaranteed resource combination.

8. The method according to any one of claims 1 to 7, characterized in that, Prior to responding to a processing request for guaranteed resources for the target user, the method further includes: In response to a new virtual resource conversion service initiated by the target user, obtain the guaranteed resources corresponding to the new virtual resource conversion service and the service type corresponding to the new virtual resource conversion service; From the multiple guarantee resource combinations associated with the target user, obtain the guarantee resource combination that matches the business type, and store the guarantee resource corresponding to the newly added virtual resource conversion business into the guarantee resource combination that matches the business type.

9. A collateral resource processing device, characterized in that, The device includes: The target combination acquisition module is used to respond to a processing request for guaranteed resources for a target user, and to acquire a target guaranteed resource combination that matches the processing request from multiple guaranteed resource combinations associated with the target user; each guaranteed resource combination carries at least two guaranteed resources, and each guaranteed resource is used to provide resource guarantees for each virtual resource conversion service; the virtual resource conversion service is used to convert the target user's first virtual resource into a second virtual resource of a different resource type than the first virtual resource; The collateral resource processing module is used to process the target collateral resources included in the target collateral resource combination according to the collateral resource processing method represented by the processing request.

10. 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 8.

11. 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 8.

12. 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 8.

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