Resource transfer information management method, device, equipment and readable storage medium

Abstract

The present application discloses a method, device, equipment and readable storage medium for managing resource transfer information, which can be applied to cloud technology and other scenarios. Specifically, the number and period of resources to be transferred are determined based on a resource transfer certificate with an authentication identifier. When the resource transfer is not performed within the period, the resource information to be managed is generated and fed back to the target account. When the target account requests to manage the resource information to be managed, the target information management strategy is determined based on the target management authority information authorized by the target account, and the management authority coefficient of the platform when managing the resource information to be managed is determined to manage the resource information to be managed; in this way, the resource transfer event can be traced and managed, and the problems of refusal to transfer or delayed transfer after the resource transfer are effectively eliminated, which is conducive to protecting the resource property rights security of the resource investor and improving the user experience.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, apparatus, device, and readable storage medium for managing resource transfer information. Background Art

[0002] Resource digitization refers to the digital registration of both physical and virtual resources. Its implementation will benefit the development of economic civilization and facilitate resource transfer. Whether traditional physical or virtual resources, resource transfers can include transfers in, out, and donations. These transfers can meet the resource transfer needs of relevant users, increase resource circulation, facilitate resource sharing, and, to a certain extent, promote the development of domestic economic civilization.

[0003] When transferring virtual resources in or out, the relevant technology mainly uses the account's online resource transfer function to record resource transfer events between accounts and execute resource transfers to meet the resource transfer needs between individual accounts and promote the circulation of resources.

[0004] During the research and practice of the existing technology, the inventors of this application found that the existing technology lacks supervision, traceability and other management mechanisms when transferring resources in the form of virtual resources. After the resource transfer between accounts is executed, the resource transfer event cannot be traced and managed, which makes it easy for the resource transferee to refuse or delay the transfer back of resources, which is not conducive to the resource property rights security of the resource investor and affects the user experience. Summary of the Invention

[0005] The embodiments of the present application provide a method, apparatus, device, and readable storage medium for managing resource transfer information, which can trace and manage resource transfer events, effectively preventing problems such as refusal or delay in transferring back resources after a resource transfer event, and are beneficial to protecting the resource property rights security of resource investors and improving user experience.

[0006] This embodiment of the present application provides a method for managing resource transfer information, including:

[0007] Obtain the resource transfer certificate corresponding to the target account, which carries a preset authentication identifier and a unique resource identifier;

[0008] Determine, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier;

[0009] When it is detected that the amount of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generating resource information to be managed for the resource receiving account according to the amount of resources to be transferred back, the preset authentication identifier and the resource transfer period, and feeding back the resource information to be managed to the target account;

[0010] When receiving a management request from the target account for the resource information to be managed, obtaining target management authority information carried in the management request, and configuring a target information management policy according to the target management authority information;

[0011] Querying a target storage address of a target resource corresponding to the resource unique identifier, and determining a management weight coefficient of the target information management policy according to the target storage address;

[0012] The resource information to be managed is managed according to the management weight coefficient and the target information management strategy.

[0013] Accordingly, an embodiment of the present application provides a resource transfer information management device, including:

[0014] An acquiring unit, configured to acquire a resource transfer credential corresponding to a target account, wherein the resource transfer credential carries a preset authentication identifier and a resource unique identifier;

[0015] a determining unit, configured to determine, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier;

[0016] a generating unit configured to, when detecting that the amount of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generate resource information to be managed for the resource receiving account based on the amount of resources to be transferred back, a preset authentication identifier, and the resource transfer period, and feed back the resource information to be managed to the target account;

[0017] a configuration unit configured to, when receiving a management request from the target account for the resource information to be managed, obtain target management authority information carried in the management request, and configure a target information management policy according to the target management authority information;

[0018] A query unit, configured to query a target storage address of a target resource corresponding to the resource unique identifier, and determine a management weight coefficient of the target information management policy according to the target storage address;

[0019] A management unit is used to manage the resource information to be managed according to the management weight coefficient and the target information management policy.

[0020] In some embodiments, the configuration unit is further configured to:

[0021] Read the permission type and permission coefficient in the target management permission information;

[0022] Configure the target information management policy according to the permission type and permission coefficient.

[0023] In some embodiments, the configuration unit is further configured to:

[0024] Obtain the preset permission template corresponding to the permission type;

[0025] The preset authority template is parameterized according to the authority coefficient to obtain a target information management strategy.

[0026] In some implementations, the permission type includes a credit permission type, and the configuration unit is further configured to:

[0027] Obtaining a preset credit authority template corresponding to the credit authority type;

[0028] Analyze the authority coefficient to obtain the credit authority start time and credit management step value;

[0029] The parameters of the preset credit authority template are configured according to the authority start time and the credit management step value to obtain a credit information management strategy as the target information management strategy.

[0030] In some embodiments, the query unit is further configured to:

[0031] Obtain the resource storage address corresponding to the resource receiving account;

[0032] When it is detected that the target storage address is consistent with the resource storage address, the storage duration of the target resource at the resource storage address is determined, and a management weight coefficient is determined according to the storage duration.

[0033] In some embodiments, the management unit is further configured to:

[0034] Extracting word information from the resource information to be managed according to preset part-of-speech information to obtain multiple target word information;

[0035] Selecting a target event template corresponding to the information management policy from an event template library, and generating to-be-managed resource events corresponding to the plurality of target word information according to the target event template;

[0036] An association relationship between the target information management policy and the resource event to be managed is established to obtain a resource management event, and the resource management event is executed according to the management weight coefficient.

[0037] In some implementations, the target information management policy is a credit information management policy, the resource event to be managed is a credit event to be managed, and the management unit is further configured to:

[0038] Establishing an association relationship between the credit information management policy and the credit event to be managed to obtain a credit management event;

[0039] The management weight coefficient and the credit management event are sent to a credit management server, so that the credit management server performs credit score management on the resource receiving account according to the management weight coefficient and the credit management event.

[0040] In some embodiments, the generating unit is further configured to:

[0041] Get the preset management information list;

[0042] Determine the term management duration of the resources to be transferred back according to the resource transfer back period;

[0043] The preset management information list is configured according to the term management duration and the number of resources to be transferred back, and the configured target management information list is signed according to the preset authentication identifier to obtain the resource information to be managed for the resource receiving account.

[0044] In some embodiments, the resource transfer information management device further includes a prompting unit configured to:

[0045] Determining the end of the period according to the resource transfer-back period, and comparing the end of the period with a preset prompt period range value;

[0046] If it is detected that the end time of the deadline is within the preset prompt time range and the number of resources to be transferred back is non-zero, a prompt information of resources to be transferred back is generated based on the end time of the deadline and the number of resources to be transferred back, and the prompt information of resources to be transferred back is sent to the resource receiving account.

[0047] In some implementations, the resource transfer information management device further includes a creation unit configured to:

[0048] Receive a resource transfer request from a target account, the resource transfer request carrying resource transfer information and a resource receiving account;

[0049] Creating a to-be-verified resource transfer list corresponding to the resource transfer information, and sending the to-be-verified resource transfer list to the resource receiving account for signature verification, to obtain a target resource transfer list after signature verification;

[0050] If it is detected that the target account has passed the verification of the target resource transfer list, a preset authentication identifier is signed on the target resource transfer list to obtain a signed resource transfer certificate.

[0051] In addition, an embodiment of the present application also provides a computer device, including a processor and a memory, wherein the memory stores a computer program, and the processor is used to run the computer program in the memory to implement the steps in any resource transfer information management method provided in the embodiment of the present application.

[0052] In addition, an embodiment of the present application also provides a computer-readable storage medium, which stores multiple instructions, and the instructions are suitable for a processor to load to execute the steps in any resource transfer information management method provided in the embodiment of the present application.

[0053] In addition, an embodiment of the present application also provides a computer program product, including computer instructions, which, when executed, implement the steps of any one of the resource transfer information management methods provided in the embodiments of the present application.

[0054] The embodiment of the present application can obtain a resource transfer certificate corresponding to a target account, and the resource transfer certificate carries a preset authentication identifier and a resource unique identifier; based on the resource transfer certificate, the number of resources to be transferred back, the resource transfer period and the resource receiving account of the target resource corresponding to the resource unique identifier are determined; when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, the resource information to be managed for the resource receiving account is generated based on the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and the resource information to be managed is fed back to the target account; when a management request for the resource information to be managed is received from the target account, the target management authority information carried in the management request is obtained, and the target information management policy is configured according to the target management authority information; the target storage address of the target resource corresponding to the resource unique identifier is queried, and the management weight coefficient of the target information management policy is determined according to the target storage address; the resource information to be managed is managed according to the management weight coefficient and the target information management policy. It can be seen from this that this solution can determine the quantity and deadline of resources to be transferred based on the resource transfer certificate with an authentication identifier. When all resources are not transferred back after the deadline, the information of resources to be managed is generated and fed back to the target account. When the target account requests to manage the information of resources to be managed, the target information management strategy is determined based on the target management authority information authorized by the target account, and the management authority coefficient of this platform when managing the information of resources to be managed is determined to manage the information of resources to be managed. In this way, resource transfer events can be traced and managed, and problems such as refusal or delay in transferring resources after resource transfer events can be effectively eliminated, which is conducive to protecting the resource property rights security of resource investors and improving user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0055] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present application. For those skilled in the art, other drawings can be obtained based on these drawings without creative work.

[0056] Figure 1 This is a schematic diagram of a scenario of a resource transfer information management system provided in an embodiment of the present application;

[0057] Figure 2 This is a schematic diagram of the steps of the resource transfer information management method provided in an embodiment of the present application;

[0058] Figure 3 This is another step flow chart of the resource transfer information management method provided in an embodiment of the present application;

[0059] Figure 4 This is a schematic diagram of a use case of a resource transfer information management system provided in an embodiment of the present application;

[0060] Figure 5 A flow chart for managing resource transfer information provided for an embodiment of the application;

[0061] Figure 6 A timing diagram of a method for creating a resource transfer certificate provided in an application embodiment;

[0062] Figure 7 A timing diagram of a method for managing resource transfer information provided in an embodiment of the present application;

[0063] Figure 8 Schematic diagram of the structure of the resource transfer information management device provided in an embodiment of the present application;

[0064] Figure 9 It is a structural diagram of the computer device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0065] The following will be combined with the drawings in the embodiments of this application to clearly and completely describe the technical solutions in the embodiments of this application. Obviously, the embodiments described are only part of the embodiments of this application, not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by those skilled in the art without making creative efforts are within the scope of protection of this application.

[0066] The embodiments of the present application provide a method, apparatus, device and readable storage medium for managing resource transfer information. Specifically, the embodiments of the present application will be described from the perspective of a device for managing resource transfer information, which can be integrated into a computer device, which can be a server or a user terminal or other device. The server can be an independent physical server, a server cluster or a distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms. The user terminal can be a smart phone, tablet computer, laptop computer, desktop computer, smart speaker, smart watch, smart home appliance, vehicle-mounted terminal, intelligent voice interaction device, aircraft, etc., but is not limited to this.

[0067] It is understandable that in the specific implementation of this application, data related to user information, user usage records, user status, etc. is involved. When the above embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0068] The resource transfer information management method provided in the embodiments of the present application can be applied to various scenarios, including but not limited to cloud technology, artificial intelligence, smart transportation, assisted driving and other resource transfer information management scenarios. These scenarios are not limited to being implemented through cloud services, big data and the like, and are specifically described through the following embodiments:

[0069] For example, see Figure 1 , is a schematic diagram of a scenario of a resource transfer information management system provided in an embodiment of the present application. The scenario includes a terminal or a server.

[0070] The terminal or server can obtain the resource transfer certificate corresponding to the target account, and the resource transfer certificate carries a preset authentication identifier and a resource unique identifier; based on the resource transfer certificate, determine the number of resources to be transferred back, the resource transfer period and the resource receiving account of the target resource corresponding to the resource unique identifier; when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generate the resource information to be managed for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and feed back the resource information to be managed to the target account; when a management request for the resource information to be managed is received from the target account, obtain the target management authority information carried in the management request, and configure the target information management policy based on the target management authority information; query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy based on the target storage address; manage the resource information to be managed based on the management weight coefficient and the target information management policy.

[0071] The resource transfer information management process may include: obtaining resource transfer credentials, determining relevant information of the resources to be transferred back, resource transfer prompts, generating resource information to be managed, determining management strategies, and managing resource information to be managed.

[0072] It should be noted that the order of the following embodiments is not intended to limit the preferred order of the embodiments.

[0073] In the embodiment of the present application, the description will be made from the perspective of a resource transfer information management device, and the resource transfer information management device can be integrated into a computer device such as a terminal or a server. Figure 2 , Figure 2 This is a flowchart of the steps of a method for managing resource transfer information provided in an embodiment of the present application. In this embodiment of the present application, the resource transfer information management device is specifically integrated into a server as an example. When the processor on the server executes the program instructions corresponding to the method for managing resource transfer information, the specific process is as follows:

[0074] 101. Obtain the resource transfer certificate corresponding to the target account.

[0075] It should be noted that the resources in the embodiments of the present application can be virtual resources or real resources. Among them, the virtual resources can be resources in a certain platform product. For example, taking a game product as an example, the virtual resources can also be equipment resources, game coins, etc. in the game application. The virtual resources can also be other virtual product resources. Among them, the real resources can be real resources with value, whose value is recognized by users. The real resources can be valuable resources in the form of electronic data, or they can be valuable physical resources, such as mobile phones, bicycles, computers, cars, houses, etc. The above are only examples and are not limited to the embodiments of the present application.

[0076] The resource transfer may be a transaction event of resources, and the transaction event is not limited to operation events such as exchange, transfer, and circulation.

[0077] The resource transfer certificate can be an electronic document that has been authenticated for the resource transfer and has notarized validity. For example, if a user transfers resources to another user through a platform, the user can request the platform to create a resource transfer list for the resources to be transferred. After the user and the other user confirm the resource transfer certificate, the platform will stamp the certificate with its official seal to obtain a notarized resource transfer certificate.

[0078] The resource transfer certificate carries a preset authentication identifier and a unique resource identifier.

[0079] Specifically, the preset authentication identifier can be a notarization identifier set by a public platform, such as the platform's own name, platform ID, related characters, or other specially set identifiers, which can be understood as the notarization seal of the relevant platform. For example, taking an electronic bill of a platform or organization as an example, in order to notarize the electronic bill, the platform or organization can sign the electronic bill to generate the preset authentication identifier on the electronic bill.

[0080] Specifically, the resource unique identifier can be the identifier of the target resource in a resource transfer event. This unique, irreplaceable identifier is used to identify or distinguish the target resource. Furthermore, if the target resource is a data resource or a resource represented by data, the resource unique identifier can also be used to query the address where the target resource is currently stored or stored. For example, if a mobile phone is the target resource, the mobile phone serial number is the resource unique identifier. Another example is the vehicle identification number, real estate certificate code, game coin code string, etc.

[0081] The embodiment of the present application provides a solution for managing resource transfer information. The management process may include two parts: creating resource transfer credentials and managing resource transfer credentials. For example, a user transfers resources through an institution or platform, and notarizes the resource transfer event through the platform, such as generating a corresponding resource transfer credential, i.e., a resource transfer credential, for the resource transfer event. Furthermore, the resource transfer credential is traced and protected based on the return period and resource quantity after the resource transfer, so as to prompt the resource recipient to transfer the resource back in a timely manner, and to handle the breach of contract in the event of a breach of contract, thereby improving the protection of resource transfer events and ensuring the security and fairness of resource transfer.

[0082] In some implementations, a resource transfer credential corresponding to the resource transfer event may be generated based on the relevant information of the resource transfer event in response to the target object's resource transfer request on the terminal. For example, before step 101 "obtaining the resource transfer credential corresponding to the target account", the following may be included:

[0083] (a) receiving a resource transfer request from a target account, the resource transfer request carrying resource transfer information and a resource receiving account;

[0084] (b) creating a to-be-verified resource transfer list corresponding to the resource transfer information, and sending the to-be-verified resource transfer list to the resource receiving account for signature verification, thereby obtaining a target resource transfer list after signature verification;

[0085] (c) If it is detected that the target account has passed the verification of the target resource transfer list, the target resource transfer list is signed with a preset authentication identifier to obtain a signed resource transfer certificate.

[0086] The target account can be the account of the resource investor in the resource transfer event. Specifically, the user's personal account on a certain platform can be registered through a unique universal identifier, such as a mobile phone number, personal identity identifier, nickname, etc., or it can be an account registered through a specific account. It should be noted that for the accounts mentioned in the embodiments of this application, the resource transfer event can be completed by logging in on the target application related to the platform.

[0087] The resource transfer information may be information involved in transferring resources between accounts, including but not limited to the start time, duration, and quantity of the resource transfer process. For example, when transferring resources from one account to another, the resource transfer information may include but is not limited to the resource name (or type), resource quantity, resource transfer time, resource transfer back period, pledged (mortgaged) materials, and the like.

[0088] The resource receiving account can be the account to which resources are transferred in a resource transfer event, and can be understood as the account of the resource recipient. For example, if the target account requests a resource transfer, the resources on the target account will be transferred to the resource receiving account within a specified period.

[0089] The to-be-verified resource transfer list may be a list containing resource transfer information, which records the resource transfer information that needs to be verified by the resource receiving account so as to generate a resource transfer certificate after verification.

[0090] Specifically, in order to achieve traceability and protection after the transfer of resources between accounts, the embodiment of the present application can receive resource transfer requests in real time, and determine the resource quantity, time, deadline and other information involved in the resource transfer process and the resource receiving account. Then, based on the above information, a resource transfer information list that needs to be verified is created to send the resource transfer list that needs to be verified to the resource receiving account for signature verification. When it is detected that the resource receiving account signs the resource transfer list to be verified, the signature information of the resource receiving account is verified. Specifically, the signature information of the receiving account in the resource transfer list to be verified after identification of the signature is compared with the preset authentication information corresponding to the resource receiving account. When it is identified that the signature information of the receiving account is consistent with the preset authentication information corresponding to the resource receiving account, the verification is passed, and the target resource transfer list after signature verification is obtained to ensure the resource information security and fairness of both parties during the resource transfer process. Finally, the resource transferor (i.e., the target account) verifies the target resource transfer list after signature verification. If the resource transfer information and signature information on the target resource transfer list after signature verification are confirmed to be correct, the authentication mechanism (such as digital password authentication, unique feature authentication such as the unique feature of the object, etc.) can be used to indicate that the resource transfer list after signature verification is correct, and that it agrees to transfer the predetermined amount of resources to the resource receiving account. At this time, the background can sign the target resource transfer list with a preset authentication identifier to notarize the resource transfer information list, obtain the signed resource transfer certificate, and at the same time, complete the resource transfer from the target account to the resource receiving account.

[0091] In some embodiments, in order to improve the security of the resource transfer process, one or more security authentication mechanisms may be added during the process of creating the resource transfer credential. For example, step (b) "creating a to-be-verified resource transfer list corresponding to the resource transfer information" may include: generating an initial resource transfer list based on the resource transfer information, and feeding the initial resource transfer list back to the target account for signing to obtain a signed initial resource transfer list; identifying the target account signature information in the signed initial resource transfer list, and obtaining the preset unique feature information corresponding to the target account signature information; receiving the to-be-verified unique feature information corresponding to the target account, and comparing the to-be-verified unique feature information with the preset unique feature information; if it is identified that the to-be-verified unique feature information is consistent with the preset unique feature information, then determining the signed initial resource transfer list as the to-be-verified resource transfer list.

[0092] Among them, the initial resource transfer list may include relevant information of the target account when requesting resource transfer, such as the resource transfer quantity, resource transfer back period, resource receiving account, etc. In addition, it may also include the pledged material information (code, identification, serial number or certificate number, etc.) when the resource is transferred.

[0093] Among them, the unique feature information to be confirmed can be the unique feature information of the user corresponding to the target account, such as facial features, fingerprint features, iris features and other information. In addition, it can also be action feature information to be confirmed, such as gesture features, body features, etc.

[0094] In order to improve the security during the resource transfer process, a unique feature authentication mechanism is added during the creation of the resource transfer certificate. Specifically, after receiving the initial resource transfer list corresponding to the resource transfer request returned by the relevant platform, the target account confirms whether the initial resource transfer list is correct. If correct, the list is authenticated through a unique feature authentication mechanism, such as authentication of facial feature information or fingerprint feature information, to improve the convenience of authenticating the information list, while improving the security of the resource transfer process, and effectively avoiding the phenomenon of incorrect information in the resource transfer process due to misoperation. It should be noted that the resource receiving account can also add a unique feature authentication mechanism when performing signature verification on the resource transfer list to be verified to improve security.

[0095] In some embodiments, to improve the resource information security of resource transfer events, before creating a resource transfer certificate, it is also possible to determine whether to transfer resources based on the credit score corresponding to the resource transfer account. For example, before "creating a pending resource transfer list corresponding to the resource transfer information" in step (b), it may also include: obtaining the account credit value corresponding to the resource receiving account; comparing the account credit value with a preset resource transfer credit threshold; then the step of "creating a pending resource transfer list corresponding to the resource transfer information" includes: if it is detected that the account credit value is greater than or equal to the preset resource transfer credit threshold, then creating a pending resource transfer list corresponding to the resource transfer information.

[0096] The account credit value may be a credit score assessed by the platform or a credit management system associated with the platform for the relevant account, such as a credit score corresponding to a resource receiving account.

[0097] The preset resource transfer credit threshold may be a credit score threshold preset by a relevant platform, and is used to determine whether to create a resource transfer voucher and execute a resource transfer event.

[0098] It should be noted that in this embodiment, since the target account in the resource transfer process is the resource investor, the resource information security is mainly caused by the resource transferee. For example, the resource transferee's refusal to transfer back, delaying the transfer back, and other operations will affect the resource information security of the resource investor. Therefore, it is necessary to confirm the credit score corresponding to the resource receiving account. Specifically, when the account credit value corresponding to the resource receiving account is less than the preset resource transfer credit threshold, a credit security prompt message for the resource receiving account can be generated, and the credit security prompt message can be sent to the target account to prompt it to determine whether to continue the resource transfer event; on the other hand, when the account credit value corresponding to the resource receiving account is greater than or equal to the preset resource transfer credit threshold, step (b) of "creating a resource transfer list to be verified corresponding to the resource transfer information" is executed.

[0099] Furthermore, after the resource transfer certificate corresponding to the target account is created at a historical time, the resource transfer certificate corresponding to the target account can be obtained in real time or periodically, so as to determine the resource quantity, resource transfer period, pledged resources (such as objects and certificates used for pledge / guarantee), and resource receiving account of the resource transfer event based on the resource transfer certificate, so as to trace and manage the resource transfer event.

[0100] Through the above method, image-text sample pairs can be obtained for subsequent learning and training of the target language image-text resource transfer information management model, so as to facilitate the subsequent management of the target language image-text resource transfer information with reliability.

[0101] 102. Based on the resource transfer voucher, determine the quantity of the target resource to be transferred back, the resource transfer period, and the resource receiving account corresponding to the resource unique identifier.

[0102] The target resource may be a transferred resource in a resource transfer event. For example, in a game coin transaction on a game platform, after a game coin with a face value of 1,000 is transferred to another account, the game coin with a face value of 1,000 is the target resource.

[0103] The quantity of resources to be transferred back may be the quantity of resources that need to be transferred back as of the current time following the resource transfer event. For example, after a resource transfer is performed, a resource transfer voucher is generated, which includes the quantity of resources at the time of transfer. When the resource receiving account transfers back a certain amount of resources at irregular intervals before the transfer-back deadline, the quantity of resources to be transferred back, i.e., the quantity of resources to be transferred back, is re-determined and recorded in the resource transfer voucher, so that the quantity of resources to be transferred back can be determined based on the updated resource transfer voucher.

[0104] Among them, the resource transfer back period can be the validity period set when executing the resource transfer event to transfer all resources to the target account. This period is usually determined by the object of the target account and / or the resource receiving account. The resource transfer back period generally does not change and is determined based on actual conditions.

[0105] In order to follow up on the resource transfer event, the server of the embodiment of the present application will determine the number of resources to be transferred back of the target resource corresponding to the unique identifier of the resource based on the resource transfer certificate to determine whether the resource needs to be transferred back, and then determine the resource transfer period and the receiving account of the resource, so as to facilitate the subsequent tracing and management of the transferred resources based on the above-determined relevant information, such as issuing a prompt before the resource transfer period, and managing the resource transfer event when the resource transfer period is exceeded to protect resource information security.

[0106] In some embodiments, prompt management can be performed on resources that have not been transferred back on a regular basis to encourage the resource receiving account to transfer the resources back before the resource transfer deadline. For example, after step 102 "determine the number of resources to be transferred back, the resource transfer deadline and the resource receiving account of the target resource corresponding to the resource unique identifier based on the resource transfer certificate", it can include: determining the end of the deadline based on the resource transfer deadline, and comparing the end of the deadline with the preset prompt duration range value; if it is detected that the end of the deadline is within the preset prompt duration range value and the number of resources to be transferred back is non-zero, then generating a prompt information of the resources to be transferred back based on the end of the deadline and the number of resources to be transferred back, and sending the prompt information of the resources to be transferred back to the resource receiving account. In this way, prompting the resource receiving account that has not transferred back the resources at a specific time or on a regular basis can be achieved, so as to encourage the resource receiving account to transfer back the resources before the resource transfer deadline, reduce the pressure of resource transfer, and formulate a corresponding strategy for resource transfer, thereby improving user experience.

[0107] Through the above method, the amount of resources that need to be transferred back before the set resource transfer deadline and the receiving account for the transferred resources can be understood in real time, so as to facilitate the subsequent tracing and management of the resource transfer event and realize the monitoring of the resource transfer event with reliability.

[0108] 103. When it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, the resource information to be managed is generated for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and the resource information to be managed is fed back to the target account.

[0109] Among them, the information on resources to be managed can be relevant information when all resources have not been transferred back after the resource transfer deadline has expired. It is not limited to information including the number of resources to be transferred back, the resource transfer deadline, the management time of the resource transfer deadline, etc., and it has the notarization power of the relevant platform.

[0110] In an embodiment of the present application, in order to trace and manage resource transfer events, after identifying the number of resources to be transferred back and the resource transfer deadline, it is possible to detect whether the number of resources to be transferred back is zero, and determine whether the current time exceeds the resource transfer deadline. On the one hand, if it is detected that the number of resources to be transferred back is zero, it means that the resource transfer event has completed the transfer of all resources. At this time, the relevant notarization mark of the completed resource transfer can be signed on the resource transfer certificate, and the management process of the resource transfer event ends. On the other hand, if it is detected that the number of resources to be transferred back is non-zero (greater than zero) and the current time exceeds the resource transfer deadline, it is determined that the resource transfer event has not transferred back all resources after exceeding the resource transfer deadline. At this time, it is necessary to generate information about the resources to be managed about the resource transfer event and send it to the target account to determine whether to manage the information about the resources to be managed.

[0111] In some embodiments, the resource information to be managed can be generated based on the number of resources to be transferred back and the duration of the expiration date. For example, the "generating resource information to be managed for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier, and the resource transfer back deadline" in step 103 may include: obtaining a preset management information list; determining the deadline management duration for the resources to be transferred back based on the resource transfer back deadline; configuring the preset management information list based on the deadline management duration and the number of resources to be transferred back, and annotating the configured target management information list based on the preset authentication identifier, thereby obtaining the resource information to be managed for the resource receiving account.

[0112] The preset management information list may be a preset template of resource information to be managed, which is used to set relevant information of overdue resources that have not been transferred back, so as to generate resource information to be managed corresponding to a standard format.

[0113] The deadline management duration may be the length of time that exceeds the resource transfer deadline, indicating the length of time after which all resources have not been transferred back. Specifically, when it is detected that there are still resources to be transferred back after the pre-agreed resource transfer deadline, and overdue resource transfer management is required, the time difference between the resource transfer deadline and the current time is calculated as the deadline management duration.

[0114] Specifically, after determining to generate resource transfer information, the term management duration of the resources to be transferred back can be determined, and the preset management information list can be configured according to the term management duration and the number of resources to be transferred back to obtain the target management information list; then, the preset authentication mark is signed on the target management information list to obtain the resource information to be managed, to indicate that the platform notarizes the resource information to be managed.

[0115] Through the above method, if it is detected that the resource transfer back has not been completed after the resource transfer back deadline has expired, the resource information to be managed with a notarized identifier is generated for the quantity of resources to be transferred back and the resource transfer back deadline, and sent to the target account to notify the target account of the resource information to be managed so that the resource information to be managed of the resource transfer event can be managed subsequently.

[0116] 104. When a management request for resource information to be managed is received from a target account, target management authority information carried in the management request is obtained, and a target information management policy is configured according to the target management authority information.

[0117] Among them, the target management authority information can be the authority attribute information granted by the target account for the resource information to be managed, which may include the authority type and the authority coefficient. Among them, the authority type represents the policy type when managing the resource information to be managed, such as legal, credit and other authority types; and the authority coefficient can be the coefficient or weight when the target account requests to execute the policy type, reflecting the user's willingness to request the execution of the relevant management policy, which belongs to the user authority coefficient. For example, taking the policy type of legal management authority as an example, the authority coefficient can be within an adjustable range that meets regulatory requirements, and the weight or proportion of the legal authority type can be selected according to the wishes of the target account, such as the coefficient required for the time limit when managing the resource information to be managed (such as the time limit for transferring back resources after expiration), the coefficient required for compensation for breach of contract for the resource information to be managed, etc.

[0118] The target information management policy may be a policy adopted when managing the resource information to be managed, and is used for subsequent management of the resource information to be managed. It should be noted that the resource information to be managed may be managed by the execution server corresponding to the target information management policy. For example, the resource information to be managed may be managed by the platform server based on the target information management policy, or a third-party platform server may be requested to manage the resource information to be managed based on the target information management policy.

[0119] In order to manage the resource information to be managed, after the platform server in the embodiment of the present application sends the resource information to be managed to the target account, the server can detect in real time or periodically whether the target account has issued a management request for the resource information to be managed. If the server detects that the target account has sent a management request for the resource information to be managed, it can obtain the target management authority information carried in the management request, and perform policy configuration based on the target management authority information to obtain the target information management policy, so that the resource information to be managed can be managed subsequently according to the target information management policy.

[0120] In some implementations, the target information management policy may be configured according to the target account's wishes, specifically, according to the target management authority information granted by the target account. For example, "configuring the target information management policy according to the target management authority information" in step 104 may include:

[0121] (104.1) Read the permission type and permission coefficient in the target management permission information;

[0122] (104.2) Configure the target information management strategy based on the permission type and permission coefficient.

[0123] Specifically, in order to satisfy the target account's management intention towards managed resource information, the embodiment of the present application can determine the target account's management intention towards managed resource information based on the target management permission information after determining the target management permission information sent by the target account to the platform. Specifically, the permission type and permission coefficient contained in the target management permission information are identified, and then the target information management policy is configured according to the permission type and permission coefficient, so that the target information management policy can be used to manage the resource information to be managed in accordance with the target information management policy, thereby achieving management of the resource information to be managed according to the user's management intention and satisfying the user's management experience when facing the resource information to be managed in the event of resource transfer.

[0124] In some implementations, in order to ensure that the target information management policy complies with the data standards of the relevant platform, a corresponding policy may be generated based on a relevant permission template. Different permission types correspond to different permission templates, so it is necessary to select a relevant permission template for policy configuration. For example, step (104.2) "Configure the target information management policy based on the permission type and permission coefficient" may include:

[0125] (104.2.1) Obtain the preset permission template corresponding to the permission type;

[0126] (104.2.2) Configure parameters of the preset permission template according to the permission coefficient to obtain the target information management strategy.

[0127] Among them, the preset authority template can be an authority template pre-set by the relevant authority management platform, such as the preset credit authority template set by the credit management platform, the preset legal authority template set by the legal management platform, etc., which is used to participate in the generation of target information management strategies.

[0128] Specifically, after the embodiment of the present application reads the permission type and permission coefficient from the target management permission information, it can select the corresponding preset permission template according to the permission type, so as to facilitate the subsequent configuration of the parameters in the preset permission template according to the permission coefficient to obtain the configured target information management policy.

[0129] In some implementations, the resource information to be managed in a resource transfer event can be managed through a credit management approach. Wherein, the permission type includes a credit permission type, and step (104.2.1) includes: obtaining a preset credit permission template corresponding to the credit permission type; and step (104.2.2) includes: parsing the permission coefficient to obtain a credit permission start time and a credit management step value; and configuring parameters of the preset credit permission template based on the permission start time and the credit management step value to obtain a credit information management policy.

[0130] It should be noted that this credit management method can refer to managing credit scores through the credit service in the resource transfer information management platform system, or it can refer to managing the personal credit scores of user accounts through a regional or national credit score system; in addition, it can also refer to a credit score management method that combines the platform system with the national credit score system. This embodiment of the present application is not limited to this.

[0131] Among them, the starting time of the authority can be the starting time of the credit score management, and the starting time can be determined according to the resource transfer period. For example, the starting time of the authority takes the resource transfer period as the time starting point, and the credit score of the resource receiving account is managed for the resource information to be managed; in addition, the starting time can also be input and set by the resource investor (target account) to meet the target account's management intention for the resource information to be managed.

[0132] The credit management step value can be a credit score management step value, used to manage the personal credit score of the resource receiving account for each preset unit of time. The credit management step value can be a preset credit step value set by the platform system or the national credit score system; in addition, it can also be determined by a credit weight coefficient. Specifically, the credit management step value can also be determined based on the amount of resource transfers before the resource transfer deadline. For example, the total amount of resource transfers is first determined based on the resource transfer certificate, and the amount of resources to be transferred back at the resource transfer deadline is determined. The amount of resources transferred back is calculated between the total amount of resource transfers and the amount of resources to be transferred back, and the ratio between the amount of resources transferred back and the total amount of resources transferred is calculated. The credit management step value is obtained by weighting the ratio and the preset credit step value. It should be noted that the credit management step value can include one or more credit management sub-step values, so that a suitable credit management sub-step value can be selected from the multiple credit management sub-step values ​​in order to execute the credit management authority according to the priority of the user's management intention.

[0133] Specifically, in order to manage the resource information to be managed through credit management, a preset credit authority template corresponding to the credit authority type can be obtained, and then the credit authority start time and credit management step value in the authority coefficient are determined, and the preset credit authority template is parameterized according to the authority start time and credit management step value. In this way, the configuration of the information management strategy of the target account's intention is completed, and the credit information management strategy is obtained, so that the credit score of the resource receiving account can be managed according to the credit information management strategy for the resource information to be managed.

[0134] In some embodiments, the resource information to be managed in a resource transfer event can be managed through legal channels. The legal channel management method can specifically be the management of the resource information to be managed through the legal system of a certain region or country. Specifically, the permission type includes a legal management permission type, and step (104.2.1) includes: querying the available data channel corresponding to the legal management permission type, and requesting to obtain a preset legal permission template through the available data channel; then step (104.2.2) includes: determining the permission time limit parameter and the permission management parameter based on the permission coefficient; configuring the parameters of the preset legal permission template based on the permission time limit parameter and the permission management parameter to obtain a legal information management strategy.

[0135] Among them, the permission time limit parameter can be the time limit parameter of the target account when granting legal management authority, which can be understood as the duration when requesting the execution of legal management authority, and is used to limit the execution cycle of legal management authority. For example, the target account requests the relevant legal system to manage the resource information to be managed through legal management authority. It can select the permission time limit parameter of the legal management authority within the optional period of the law, so that the legal system can evaluate the urgency of the resource information to be managed in the resource transfer event and the efficiency willingness requested by the user based on the permission time limit parameter, thereby determining the priority of the legal management authority to complete the management of the resource information to be managed within the permission time limit requested by the user.

[0136] The permission management parameter may be the legal management regulation identifier requested by the target account when granting legal management authority. This can be understood as the legal management method adopted by the target account when requesting the execution of legal management authority, so that the legal system can subsequently refer to the permission management parameter to execute the legal management authority. It should be noted that the permission management parameter may include one or more legal management regulation identifiers, so that an appropriate legal management regulation can be selected from multiple legal management regulations in accordance with the user's management priority to execute the legal management authority.

[0137] Specifically, in order to be able to manage the resource information to be managed through legal management channels, the available data channels corresponding to the legal management authority type can be queried, and the preset legal authority template can be requested through the available data channels; thereby, the authority time limit parameters and authority management parameters are determined according to the authority coefficient to determine the management method and management execution time limit of the legal management authority, so as to understand the urgency, request efficiency willingness and management method willingness of the target account for the resource information to be managed, and then, according to the authority time limit parameters and authority management parameters, the parameters in the preset legal authority template are configured to obtain the legal information management strategy, so as to facilitate the subsequent management of the resource information to be managed according to the legal information management strategy, which can meet the user's request willingness and improve the convenience of legal rights protection.

[0138] Through the above method, the target account's management request for the resource information to be managed can be detected in real time, and the target information management policy can be configured according to the target management authority information granted by the target account when requesting to manage the resource information to be managed, so that the resource information to be managed can be managed according to the target information management policy in the future; in this way, resource transfer events can be traced and managed, while satisfying the user's management intentions and improving the user experience.

[0139] 105. Query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy according to the target storage address.

[0140] Among them, the storage address can be the address where the resource is stored after being transferred / allocated, which generally belongs to the data storage address. Specifically, in digital information management, for data category resources (such as game coins of a specific denomination), or for resources after the digital management of physical resources (such as the electronic real estate certificate corresponding to the real estate can be regarded as a resource after digital management, and similar or equivalent resources such as electronic pledge certificates, electronic driver's licenses, and electronic vehicle licenses), these resources can be transferred to another account (recipient) and stored in the resource storage address of another account (recipient). It should be noted that the digital resources / data category resources in the data storage address themselves can have a corresponding resource unique identifier, and the data storage address where the resource is stored can be queried through the resource unique identifier.

[0141] In an embodiment of the present application, after a resource transfer event occurs, in order to trace the current resource storage address of the target resource related to the resource transfer event, a query is performed based on the resource unique identifier of the target resource. If resource query authority is involved in the query process, the authority can be pre-authorized by the resource investor and / or resource platform in the resource transfer event. For example, let's take a mobile phone product as an example. Suppose a brand-B mobile phone is newly shipped from the factory. Its corresponding resource unique identifier is the mobile phone product serial number. When the manufacturer digitally manages the new mobile phone, it applies to register the corresponding virtual digital product based on the mobile phone product serial number. This virtual digital product can be regarded as the electronic proof of legal possession of the new mobile phone product (physical object). The virtual digital product is stored in the data storage address to be shipped. When the dealer requests authorization to sell the new mobile phone product, the new mobile phone product (physical object) can be transferred to the dealer's item warehouse, and the virtual digital product corresponding to the new mobile phone product can be transferred to the data storage address of the dealer's account. Furthermore, when a user purchases the new mobile phone product from the dealer, the virtual digital product can be transferred to the data storage address corresponding to the purchasing user's account, and the purchasing user will own the new mobile phone product. The resource unique identifier corresponding to the virtual digital product can be used to query the current data storage address of the virtual digital product, thereby determining the current user of the new mobile phone product. In this way, the current target storage address of the corresponding target resource can be queried based on the resource unique identifier, achieving traceability of the target resource.

[0142] It should be noted that in the process of managing resource transfer events, for resource information to be managed, not only can management policies be configured based on the target management authority information requested by the resource investor / resource transfer account (target account), but the platform's management authority coefficient can also be added to the target information management policy requested by the target account. This management authority coefficient can be understood as the management strength of the official / system / platform when executing the target information management policy. For example, taking the execution of the credit information management policy as an example, the platform's management weight coefficient is further added to the credit management step value requested by the target account. For example, if the credit management step value requested by the target account is 10 credits and the platform's management weight coefficient is 1.5, then the resource information to be managed is managed with a credit step value of "10*1.5=15". This management weight coefficient can further improve the controllability of the management of the resource information to be managed, realize the combination of the management policy requested by the target account and the platform's management weight, and strengthen the effective management of the resource information to be managed.

[0143] In some implementations, the platform's management weight coefficient can be determined based on whether the target resource is currently stored at the data storage address of the resource receiving account. The "determining the management weight coefficient of the target information management policy based on the target storage address" in step 105 may include: obtaining the resource storage address corresponding to the resource receiving account; detecting whether the resource storage address corresponding to the resource receiving account is consistent with the current target storage address; and, if the target storage address is consistent with the resource storage address, determining the storage duration of the target resource at the resource storage address, and determining the management weight coefficient based on the storage duration.

[0144] The storage duration can be the time point when the target resource was last transferred to the resource storage address of the resource receiving account as the starting point of the storage duration, and the time interval from the starting point to the present. For example, the resource investor of the resource transfer event in the embodiment of the present application regards the time point when the target resource is transferred to the resource storage address of the resource receiving account as the starting point of the storage duration; for another example, the resource receiving account transfers the target resource to the storage address of another account, and then the target resource is transferred to the resource storage address of the resource receiving account again, and the time point when the target resource is transferred to the resource storage address of the resource receiving account again is regarded as the starting point of the storage duration; furthermore, since the target resource is currently still stored in the resource storage address of the resource receiving account, the time interval from the starting point to the present is calculated as the storage duration.

[0145] Specifically, for resource transfer events where the resource transfer deadline has expired and all resource transfers have not been completed, it is possible to first determine whether the target resource is currently stored in the data storage address corresponding to the resource receiving account, that is, the resource storage address. If the target resource is currently stored in the resource storage address corresponding to the resource receiving account, it can be determined that the resource receiving account is currently capable of transferring the resource back, but the transfer has expired and has not been transferred back. At this time, the storage time of the target resource at the resource storage address is determined to determine whether the resource receiving account has maliciously caused the overdue. For example, if the target resource corresponding to the resource information to be managed has expired for 10 days, and the storage time of the target resource at the resource storage address of the resource receiving account is 11 days, 15 days, 20 days, etc., it can be regarded as a malicious overdue caused by the resource receiving account. For example, if the storage time is less than the time limit management time, such as 9 days, 5 days, etc., it can also be regarded as a situation where the resource receiving account intentionally extends the overdue time and passively transfers back the target resource. Furthermore, the corresponding management weight coefficient is selected according to the storage time. Specifically, a pre-established preset weight coefficient list can be queried. The preset weight coefficient list can include a mapping relationship between the storage time and the management weight coefficient, so as to obtain the management authority coefficient corresponding to the storage time, so as to realize the combination of the management strategy requested by the target account and the management weight of the platform, and strengthen the effective management of management resource information.

[0146] 106. Manage the resource information to be managed according to the management weight coefficient and the target information management strategy.

[0147] In order to manage the resource information to be managed, after generating a corresponding target information management policy according to the user's request for management intention, the embodiment of the present application can manage the resource information to be managed corresponding to the resource transfer event according to the target information management policy.

[0148] In some implementations, it is necessary to establish an association between the resource information to be managed and the target information management policy, thereby generating a corresponding resource management event to execute the resource management event and implement information management. Step 106, "Managing the resource information to be managed according to the management weight coefficient and the target information management policy," may include:

[0149] (106.1) extracting word information from the resource information to be managed based on preset part-of-speech information to obtain multiple target word information;

[0150] (106.2) Selecting a target event template corresponding to the information management policy from the event template library, and generating a plurality of resource events to be managed corresponding to target word information according to the target event template;

[0151] (106.3) Establish an association relationship between the target information management strategy and the resource event to be managed, obtain the resource management event, and execute the resource management event according to the management weight coefficient.

[0152] The preset part-of-speech information can be understood as a preset dictionary, which is used for processing such as division, recognition, and extraction of word information in sentences or documents.

[0153] The event template may be a data information template used by a relevant platform when managing resource information to be managed, and is used to standardize the management of resource information to be managed, so as to speed up the recognition efficiency of resource information to be managed.

[0154] The resource management event may include a logical program path between multiple management logic subroutines, which may represent the logical timing relationship between the management logic subroutines used when managing the resource information to be managed. For example, taking legal management authority as an example, each management logic subroutine corresponds to the execution instruction of a legal management regulation. When executing a resource management event, each management logic subroutine may be polled in sequence according to the logical timing between the management logic subroutines until a target management logic subroutine that meets the preset legal management requirements is determined, and then the target management logic subroutine is executed to manage the resource information to be managed.

[0155] In order to manage the resource information to be managed, after determining the target information management policy, the embodiment of the present application can establish an association relationship between the resource information to be managed and the target information management policy to obtain the resource management event to be executed. Specifically, first, relevant target word information is extracted from the resource information to be managed, such as the number of resources that have not been transferred back, the term management time information, the object information corresponding to the resource receiving account, the contact address information, the communication method information, the credit score information and other target word information, which are not limited here; then, a target event template is selected, and the target event template is subjected to information fusion based on the extracted multiple target word information to determine the resource event to be managed; thereby, an association relationship is established between the resource event to be managed and the target information management policy to obtain the resource management event to be executed; finally, the resource management event is executed to achieve management of the resource information to be managed through policies of relevant permission types, satisfying the user's management intention for the resource information to be managed.

[0156] In some implementations, for the resource information to be managed in a resource transfer event, the credit score of the resource receiving account can be managed through a credit management method, and the resource information to be managed can be managed through the constraints of the credit score. For example, if the target information management policy is a credit information management policy and the resource event to be managed is a credit event to be managed, then step (106.3) can include: establishing an association between the credit information management policy and the credit event to be managed to obtain a credit management event. Then, step (106.3) can include: sending a management weight coefficient and the credit management event to a credit management server, so that the credit management server manages the credit score of the resource receiving account based on the management weight coefficient and the credit management event.

[0157] It should be noted that when managing resource information to be managed through credit management, the main thing to do is to manage the account credit score, where the account credit score can be the credit score under the credit management service of this platform or the credit score of a third-party credit management platform. Therefore, when managing resource information to be managed through credit management, the credit score of the resource receiving account can be managed through the credit management service of this platform or a third-party credit management platform, or the credit score of the resource receiving account can be managed by combining the credit management service of this platform and a third-party credit management platform. Specifically, taking the example of requesting a third-party credit management platform to manage the credit score of resource information to be managed, first, an association relationship between the credit information management policy and the credit event to be managed is established to obtain a credit management event. Then, based on the data interface between the server of this service platform and the credit management server (third-party credit management platform), a credit management event is sent to the credit management server so that the credit management server manages the credit score of the resource receiving account according to the resource management event.

[0158] Among them, if the resource receiving account fails to transfer back all resources within the deadline during the resource transfer event, when managing the credit score of the resource receiving account, the term management period for the resource receiving account to fail to transfer back the resources can be determined, and for the term management period, for example, for each preset unit time (such as each overdue day / 24 hours), the personal credit score of the resource receiving account will be deducted according to the credit management step value until the resource receiving account transfers back all resources.

[0159] In some embodiments, the resource information to be managed in a resource transfer event can be managed through legal management. For example, if the target information management policy is a legal information management policy and the resource event to be managed is a legal event to be managed, step (106.3) may include: establishing an association between the legal information management policy and the legal event to be managed to obtain a legal management event. Step (106.3) may include: sending a management weight coefficient and a legal management event to a legal management server via a preconfigured interface, so that the legal management server performs default management on the resource receiving account based on the management weight coefficient and the legal management event.

[0160] It should be noted that when managing resource information to be managed through legal management, it is mainly managed through legal channels, such as using the resource information to be managed to sue the user corresponding to the resource receiving account to apply for legal protection. The specific process is as follows: First, it is necessary to establish an association between the legal information management strategy and the legal management event to obtain the legal management event, so as to bind the management strategy with the legal overdue event, which can effectively avoid data disorder and lead to a large difference between the management strategy (such as permission management parameters, time limit, etc.) and the user's management intention when managing the resource information to be managed. Then, a pre-configured interface is obtained between the platform server and the legal management server of the legal system. The pre-configured interface can be a data interface pre-opened by the legal system for the platform, which is used for data information transmission between the platform server and the legal management server. Therefore, the platform server can send legal management events to the legal management server through the pre-configured interface, so that the legal management server can perform default management on the resource receiving account based on the legal management event. In this way, the data channel between the platform server and the legal platform system is opened up, and event data is transmitted through this data channel, so that the legal system can manage the management resource information according to the user's management wishes, effectively improve the convenience of legal management of the management resource information, reduce the threshold and cost of legal rights protection, and be reliable.

[0161] Specifically, the legal management server performs default management on resource receiving accounts in response to legal management events. It can identify the logical temporal relationships between multiple logical subroutines corresponding to the legal management event. Based on these logical temporal relationships, it sequentially determines whether the legal regulations corresponding to each logical subroutine comply with the management of the legal management event (the resource information to be managed), until it identifies a target logical subroutine that complies with the legal management event. It then runs the target logical subroutine to manage the legal management event in accordance with the corresponding target legal regulations. This allows for the efficient and reliable legal management of resource information to be managed, based on the procedural management of legal regulations.

[0162] In an embodiment of the present application, a resource transfer request initiated by a target object for a target resource with a resource unique identifier in a terminal application can be responded to, and a list containing relevant information about the resource transfer can be generated, such as a resource unique identifier. After both parties of the resource transfer event complete the signature and perform relevant verification in the list, a preset authentication identifier (such as a platform official seal, an anti-counterfeiting watermark, etc.) can be added to the list with the signatures of both parties, thereby creating a resource transfer certificate corresponding to the resource transfer event, which can prevent the resource transfer certificate from being tampered with and has notarization power. In addition, it is convenient to trace the resource transfer event based on the resource transfer certificate in the future, making the resource transfer event safe and controllable. Furthermore, the amount of resources to be returned, the resource transfer deadline and the resource receiving account of the target resource corresponding to the resource unique identifier are determined based on the resource transfer certificate, and relevant prompts for resource transfer are sent to the resource receiving account regularly or at a preset time from the transfer deadline. When the resource receiving account transfers back part or all of the resources, the amount of resources to be returned in the resource transfer certificate is updated. Furthermore, when it is detected that there are still untransferred resources after the resource transfer period has expired, information on resources to be managed is generated based on the number of untransferred resources, the duration of the period management, and the resource receiving account, and is sent to the resource investor (target account) for notification to determine whether to manage the resource information to be managed; when it is detected that the target account has made a management request for the resource information to be managed, an information management policy is configured based on the management authority information requested by the target account to meet the target account's management requirements for the resource information to be managed. Furthermore, the platform / system determines the management weight coefficient of the information management policy requested by the target account, so as to manage the resource information to be managed based on the management weight coefficient and the information management policy. In this way, the resource transfer event can be traced and managed, and the management policy requested by the target account is combined with the management weight of the platform, strengthening the effective management of the resource information to be managed, improving the management of resource transfer events, and making the resource receiving account subject to the constraints of the relevant management policy until all resources are transferred back to the target account, ensuring the resource property rights of the target account are safe and reliable.

[0163] As can be seen from the above, the embodiment of the present application can obtain the resource transfer certificate corresponding to the target account, and the resource transfer certificate carries a preset authentication identifier and a resource unique identifier; based on the resource transfer certificate, the number of resources to be transferred back, the resource transfer period and the resource receiving account of the target resource corresponding to the resource unique identifier are determined; when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, the resource information to be managed is generated for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and the resource information to be managed is fed back to the target account; when a management request for the resource information to be managed is received from the target account, the target management authority information carried in the management request is obtained, and the target information management policy is configured according to the target management authority information; the target storage address of the target resource corresponding to the resource unique identifier is queried, and the management weight coefficient of the target information management policy is determined according to the target storage address; the resource information to be managed is managed according to the management authority coefficient and the target information management policy. It can be seen from this that this solution can determine the quantity and deadline of resources that need to be transferred back based on the resource transfer certificate with an authentication identifier. When all resources are not transferred back after the deadline, the information of resources to be managed is generated and fed back to the target account. When the target account requests to manage the information of resources to be managed, the target information management strategy is determined based on the target management authority information authorized by the target account to manage the information of resources to be managed. In this way, resource transfer events can be traced and managed, effectively eliminating problems such as refusal to transfer or delayed transfer after resource transfer, which is conducive to protecting the resource information security of resource investors and improving user experience.

[0164] The method described in the above embodiment will be further described in detail below with examples.

[0165] The embodiment of the present application takes data processing as an example to further describe the data processing method provided in the embodiment of the present application.

[0166] Figure 3 This is another step flow chart of the resource transfer information management method provided in the embodiment of the present application. Figure 4 This is a schematic diagram of a use case of a resource transfer information management system provided in an embodiment of the present application. Figure 5 A flow chart for managing resource transfer information provided for an embodiment of the application; Figure 6 A timing diagram of a method for creating a resource transfer certificate provided in an embodiment of the present application, Figure 7 A timing diagram of the resource transfer information management method provided in the embodiment of the present application. Figure 3-5 Provide a description.

[0167] In the embodiments of the present application, the method for managing resource transfer information will be described from the perspective of a device for managing resource transfer information. The device for managing resource transfer information can be integrated into a computer device such as a terminal or a server. For example, when a processor on the computer device executes a program corresponding to the method for managing resource transfer information, the specific process of the method for managing resource transfer information is as follows:

[0168] 201. Receive a resource transfer request from a target account, where the resource transfer request carries resource transfer information and a resource receiving account.

[0169] The resource transfer may be a transaction event of resources, and the transaction event is not limited to including behavioral events such as exchange, transfer, and circulation.

[0170] The target account can be the account of the resource investor in the resource transfer event; the resource receiving account can be the account to which resources are transferred during the resource transfer process, and can be understood as the account of the resource recipient. It should be noted that these accounts can be registered using a unique universal identifier, such as a mobile phone number, personal identity identifier, nickname, etc., or they can be registered through a specific account, and the resource transfer event can be completed by logging in to the platform-related target application.

[0171] The resource transfer information may be information involved in resource transfers between accounts, indicating the start time, duration, quantity, etc. of the resource transfer process. For example, the resource transfer information may include but is not limited to resource name (or type), resource quantity, resource transfer time, resource transfer back period, pledged (mortgaged) materials, etc.

[0172] In an embodiment of the present application, the platform server receives a resource transfer request sent by the terminal where the target account is located.

[0173] 202. Generate an initial resource transfer list based on the resource transfer information, and feed the initial resource transfer list back to the target account for signing to obtain a signed initial resource transfer list.

[0174] The resource transfer initial list may include relevant information of the target account when requesting resource transfer, such as the resource transfer quantity, resource transfer-back deadline, and resource receiving account.

[0175] To improve security during resource transfers, the platform server needs to create a resource transfer credential corresponding to the resource transfer request. This credential requires signature verification by both the target account and the receiving account, and only becomes effective after the platform's endorsement. Therefore, the platform server must first generate an initial resource transfer list based on the resource transfer information requested by the target account. This initial resource transfer list is then fed back to the target account's terminal for the target object corresponding to the target account to sign, thereby obtaining the signed initial resource transfer list.

[0176] 203. Identify the target account signature information in the signed resource transfer initial list, and obtain preset unique feature information corresponding to the target account signature information.

[0177] In order to improve the security of the resource transfer process, after the target account signs the initial resource transfer list, the unique feature of the target account can be authenticated through the unique feature authentication mechanism. The unique feature information can be the unique feature information of the user corresponding to the target account, such as one or more of facial features, fingerprint features, iris features, etc., which are not limited here; in this way, the target account can be prevented from being invaded, stolen, etc., which affects the security of its resource information.

[0178] Therefore, after obtaining the signed resource transfer initial list, the platform server can identify the signature information about the target account in the signed resource transfer initial list to obtain the preset unique feature information corresponding to the signature information of the target account for subsequent authentication of the unique feature information about the target account.

[0179] 204. Receive the unique characteristic information to be confirmed corresponding to the target account. If it is identified that the unique characteristic information to be confirmed is consistent with the preset unique characteristic information, determine the signed initial resource transfer list as the resource transfer list to be verified.

[0180] The unique feature information to be confirmed may be the unique feature information of the user corresponding to the target account, such as facial features, fingerprint features, iris features, and the like.

[0181] Specifically, after the terminal where the target account is located collects the unique feature information to be confirmed corresponding to the target account, the terminal sends the unique feature information to be confirmed to the platform server; the platform server compares the unique feature information to be confirmed with the preset unique feature information. If it is identified that the unique feature information to be confirmed is consistent with the preset unique feature information, the signed initial resource transfer list is determined as the resource transfer list to be verified.

[0182] 205. Send the resource transfer list to be verified to the resource receiving account for signature verification, and obtain the target resource transfer list after signature verification.

[0183] Specifically, after detecting that the target account has signed and uniquely characterized the initial resource transfer list, the platform server can send the resource transfer list to be verified to the terminal where the resource receiving account is located, so that the object corresponding to the resource receiving account can sign and verify the information on the resource transfer list to be verified after confirming that the information is correct, such as password or unique characteristic information verification, thereby obtaining the target resource transfer list after the resource receiving account signature verification. Further, the target resource transfer list is sent to the terminal where the target account is located, so that the target account can reconfirm the information on the target resource transfer list and the signature information of both parties, and after confirming that it is correct, the confirmation key of the resource transfer event can be entered for verification, to indicate that the verification of the target resource transfer list has been passed and the resource transfer can be executed, thereby, and after the verification is passed, the target resource is transferred to the resource receiving account.

[0184] 206. If it is detected that the target account has passed the verification of the target resource transfer list, a preset authentication identifier is signed on the target resource transfer list to obtain a signed resource transfer certificate.

[0185] Among them, the preset authentication mark can be a notarization mark set by this platform, such as the platform's own name, platform ID, related characters, or other specially set marks, which can be understood as the notarization seal, watermark, etc. of the relevant platform.

[0186] For example, taking the platform's electronic bill as the target resource transfer list, in order to notarize the electronic bill, the platform server can, upon detecting that the target account has verified the target resource transfer list, sign the electronic bill to generate the preset authentication identifier on the electronic bill, thereby obtaining a resource transfer certificate. The resource transfer certificate can be a certificate in the form of an electronic document that has been authenticated for the resource transfer and has notarization power.

[0187] 207. Obtain the resource transfer certificate corresponding to the target account, and determine the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier based on the resource transfer certificate.

[0188] After the platform server completes the creation of the resource transfer certificate corresponding to the target account, it can obtain the resource transfer certificate corresponding to the target account in real time or periodically to determine the resource quantity, transfer back period, pledged resources (such as objects and certificates used for pledge / guarantee, etc.) and resource receiving account of the resource transfer event based on the resource transfer certificate, so as to trace and manage the resource transfer event later.

[0189] 208. Determine the end time of the period based on the resource transfer period. When it is detected that the end time of the period is within the preset prompt time range and the number of resources to be transferred back is non-zero, generate prompt information of resources to be transferred back based on the end time of the period and the number of resources to be transferred back, and send the prompt information of resources to be transferred back to the resource receiving account for prompting.

[0190] In order to follow up on the resource transfer event, the server of the embodiment of the present application will determine the end of the deadline, which is the length of time from the current time to the resource transfer back deadline, such as "how many days until the expiration date", and determine the number of resources that need to be transferred back at the current time; when the end of the deadline is within the preset prompt time range and the number of resources to be transferred back is greater than zero, a prompt message of resources to be transferred back can be generated to prompt the resource receiving account. For example, when it is detected that there is 1 week left before the end of the resource transfer back deadline, and it is detected that the number of resources to be transferred back is greater than 0, that is, the resource receiving account has not completed the resource transfer, a prompt message of resources to be transferred back is generated, and the resource receiving account is prompted according to the prompt message of resources to be transferred back.

[0191] 209. When it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, the resource information to be managed is generated for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and the resource information to be managed is fed back to the target account.

[0192] Among them, the information on resources to be managed can be relevant information when not all resources are transferred back after the resource transfer deadline, which is not limited to information including the number of resources to be transferred back, the resource transfer deadline, the management time of the resource transfer deadline, etc., and it has the notarization power of the relevant platform.

[0193] In order to trace and manage resource transfer events, the platform server can detect in real time whether the number of resources to be transferred back is zero, and determine whether the current time exceeds the resource transfer deadline. On the one hand, if it is detected that the number of resources to be transferred back is zero, it means that the resource transfer event has completed the transfer of all resources. At this time, the resource transfer certificate updated last time can be processed, such as updating the number of resources to be transferred back to zero, and signing the relevant identification of the completed resource transfer, and the management process of the resource transfer event ends. On the other hand, if it is detected that the number of resources to be transferred back is non-zero (greater than zero) and the current time exceeds the resource transfer deadline, it is determined that the resource transfer event has exceeded the resource transfer deadline. At this time, it is necessary to generate information about the resources to be managed for the resource transfer event and send it to the target account to determine whether to manage the information about the resources to be managed.

[0194] 210. When a management request for resource information to be managed is received from a target account, target management authority information carried in the management request is obtained, and a target information management policy is configured according to the target management authority information.

[0195] The target management permission information may be permission attribute information granted by the target account to the resource information to be managed, which may include a permission type and a permission coefficient. The permission type represents the policy type when managing the resource information to be managed, such as legal, credit, and other permission types; and the permission coefficient may be a coefficient or weight when executing the policy type.

[0196] The target information management strategy may be a strategy adopted when managing the resource information to be managed, such as a credit information management strategy, a legal information management strategy, etc., which is used for subsequent management of the resource information to be managed.

[0197] 211. Query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy based on the target storage address.

[0198] In an embodiment of the present application, after a resource transfer event occurs, in order to trace the current resource storage address of the target resource related to the resource transfer event, a query is performed based on the resource unique identifier of the target resource. If resource query authority is involved in the query process, the authority can be pre-authorized by the resource investor and / or resource platform in the resource transfer event.

[0199] Furthermore, the platform's management authority coefficient is added based on the target information management policy configured by the target account request. The management authority coefficient can be understood as the management strength of the official / system / platform when executing the target information management policy, thereby combining the management policy requested by the target account with the management weight of the platform and strengthening the effective management of management resource information.

[0200] 212. Manage resource information according to management weight coefficient and target information management strategy.

[0201] In order to manage the resource information to be managed, after determining the target information management policy, the embodiment of the present application can establish an association relationship between the resource information to be managed and the target information management policy to obtain the resource management event to be executed. Specifically, first, relevant target word information is extracted from the resource information to be managed, such as the number of resources that have not been transferred back, the term management time information, the object information corresponding to the resource receiving account, the contact address information, the communication method information, the credit score information and other target word information, which are not limited here; then, a target event template is selected, and the target event template is subjected to information fusion based on the extracted multiple target word information to determine the resource event to be managed; thereby, an association relationship is established between the resource event to be managed and the target information management policy to obtain the resource management event to be executed; finally, the resource management event is executed to achieve management of the resource information to be managed through policies of relevant permission types, satisfying the user's management intention for the resource information to be managed.

[0202] It should be noted that when managing the resource information to be managed according to the target information management strategy, if the resource information to be managed can be managed through this platform, a third-party platform can also be requested to manage the resource information to be managed.

[0203] In order to facilitate the understanding of the embodiment of the present application, the embodiment of the present application will be described with a specific application scenario example. Specifically, by executing the above steps 201-212, and combining Figure 4-Figure 7 , describe the application scenario instance.

[0204] The embodiments of the present application can be applied to application scenarios involving the transfer / transaction of virtual resources and real resources. For example, the virtual resources can be virtual product resources such as equipment resources and game coins in game applications. Real resources can be understood as resources with real value, such as mobile phones, bicycles, computers, cars, houses, and other resource information. Physical resources can be replaced by relevant electronic documents, such as vehicle registration certificates, mobile phone serial number invoices, etc. For ease of understanding, virtual resources will be used as the target resources in resource transfer events to describe an example of resource transfer information management scenario, as follows:

[0205] 1. The management platform for virtual resource transfer information can include multiple business function use cases, combined with Figure 4 As shown, the business function use case is as follows:

[0206] Registration: Users need to register an account first in order to log in and use the various functions provided by the resource management platform.

[0207] Login: After the user completes registration, he can log in using the registered account and use the functions provided by the resource management platform after logging in.

[0208] Add friends: Users can add friends by searching for the other party's account (such as mobile phone number, email address). After the other party agrees to the friend request, they can send friend messages and resource transfer certificates to each other.

[0209] Agree / reject friend request: For a friend request sent by a user, the user can choose to accept / reject the friend request.

[0210] Send chat messages: After logging in, users can send chat messages to friends.

[0211] Create a resource transfer information list: After logging in, the user can create a resource transfer information list (i.e. resource transfer certificate).

[0212] Edit resource transfer information list: For resource transfer information lists created by users, the content of the information list can be modified before the other party signs it.

[0213] Send resource transfer information list; after the user (resource investor) creates and saves the resource transfer information list, he can send the resource transfer information list to the resource recipient friend.

[0214] Signing the resource transfer information list: Both the resource investor and the resource recipient need to sign the resource transfer information list to obtain the resource transfer certificate.

[0215] Query credit score: Users can check their credit score on the platform.

[0216] Resource transfer out: The resource contributor (i.e., the target account) can transfer the virtual resources in the account to the resource recipient account (i.e., the resource receiving account) through the system.

[0217] Resource transfer back: The resource recipient (i.e., the resource receiving account) can transfer the virtual resources in the account back to the resource investor (the target account) through the system.

[0218] 2. The management process of the virtual resource transfer information management scenario includes two parts: the management process of virtual resource transfer out and the management process of resource transfer back. Figure 5 The transfer information management process of the virtual resource is described as follows:

[0219] (1) User registration, login, adding friends and other operations are the prerequisites for creating resource transfer credentials. Since the above operations have been described in detail in the system use case diagram, they will not be repeated here;

[0220] (2) The user creates a resource transfer information list. As a resource investor, after filling in the relevant information of the resource investor in the resource transfer information list and signing his own name, he can send the resource transfer information list to his friends, i.e. the resource receivers;

[0221] (3) After receiving the resource transfer information list, the resource recipient friend confirms that the resource investor information and the content in the resource transfer information list are correct, fills in the relevant information of the resource recipient and signs. At this time, the resource investor will receive a notification to inform the resource investor that the resource recipient has signed;

[0222] (4) After receiving the signed notification from the resource recipient, the resource investor will click on the resource transfer information list to confirm the resource recipient information and the contents of the resource transfer information list again. If there is no objection, click Confirm to execute the resource transfer and enter the confirmation password. Then, the virtual resources of the amount will be transferred to the resource recipient account. At this time, the platform will stamp the resource transfer information list with the official seal of effectiveness, and the resource transfer certificate will be officially effective;

[0223] (5) After receiving the virtual resources, the resource recipient can transfer the resources back to the resource investor at irregular intervals and in irregular amounts. If the virtual resources are repaid before the latest repayment date of the resource transfer certificate, the system will change the status of the resource transfer certificate to "transfer completed" and affix the electronic official seal of "transfer completed";

[0224] (6) If the resource recipient fails to transfer back the virtual resources within the deadline, the system will gradually deduct the platform credit score of the resource recipient according to the deadline management period (for example, the longer the overdue period, the more credit points will be deducted daily). At the same time, the system will automatically initiate a lawsuit with the court system on the premise of obtaining authorization from the resource investor. If the resource recipient does not transfer back the virtual resources, it will be punished by law. If the resource recipient transfers back the remaining amount of virtual resources, the system will gradually restore the credit score of the resource recipient (the longer the overdue period, the fewer credit points will be restored daily).

[0225] 3. The virtual resource transfer process includes creating resource transfer credentials and virtual resource transfer, combined with Figure 6The timing diagram of the virtual resource transfer process is described as follows: (1) Request to create a resource transfer certificate for virtual resources; (2) The system receives the request to create a resource transfer certificate and adds a new resource transfer information list record to the database with the status of initialization. The number of virtual resources in the resource transfer information list is X; (3) The resource investor user fills in the resource investor information in the resource transfer information list and signs it with an electronic signature; (4) The system prompts the user to confirm the identity information; (5) The resource investor user cooperates to identify the first identity information; (6) The system compares the first identity information with the resource investor information in the resource transfer information list to see if it is consistent; (7) If the information is consistent, the resource investor's electronic signature information is recorded and the resource transfer information list status is set to resource investor signed; (8) The resource investor forwards the resource transfer information list to the resource recipient; (9) The resource recipient user fills in the resource recipient information in the resource transfer information list and signs it with Sign the resource transfer information list in the form of electronic signature; (10) The system prompts the resource recipient to verify the identity information; (11) The resource recipient cooperates to identify the second identity information; (12) The system compares the second identity information and the resource recipient information to see if they are consistent; (13) The resource recipient's information is verified, the resource recipient's electronic signature information is recorded, and the resource transfer information list status is set to the resource recipient signed; (14) A resource recipient signed notification is sent to the resource investor, and the resource investor is reminded to perform the virtual resource transfer operation; (15) The resource investor clicks to transfer X amount of virtual resources and enters the password; (16) The system transfers X amount of virtual resources from the resource investor's resource recipient account to the resource recipient's account; (17) The system sets the resource transfer information list status to effective, and stamps the resource transfer information list with the effective platform electronic official seal to obtain the resource transfer certificate; (18) The system sends a virtual resource transfer arrival notification to the resource recipient.

[0226] 4. The management process of virtual resource transfer includes calculation of virtual resource transfer amount, transfer reminder, overdue processing, etc. Figure 7 The timing diagram of the virtual resource transfer process is described as follows:

[0227] (1) If the resource recipient fails to repay the target amount of virtual resources within the repayment period, the system will regularly remind the resource recipient to perform the transfer operation (e.g., within one month before the deadline, a transfer reminder will be sent every day); (2) The resource recipient may perform the transfer operation from time to time. For example, the amount of virtual resources transferred back is Y at a time; (3) The system transfers Y amount of virtual resources from the resource recipient's account to the resource investor's account, and updates the amount of virtual resources to be transferred back to X=XY; (4) If the amount of virtual resources to be transferred back is X=0, it means that the target amount of virtual resources has been transferred back. At this time, the system updates the resource transfer certificate status to "transferred back" and stamps it with the electronic official seal of "all resources transferred back". The resource transfer event management ends; (5) The system sends the resource recipient a letter of credit. Send a notification that the target amount of virtual resources has arrived; (6) If the resource recipient fails to transfer back the target amount of virtual resources after the deadline, the system will regularly deduct the resource recipient's platform credit score every day; (7) The system will regularly upload the user's platform credit score to the national credit reporting system every day; (8) If the national credit reporting system finds that the user's platform credit score is not full, it will write a record of default (it will only be written when it is first discovered that the platform credit score has dropped from full to less than full) and deduct the user's credit score in the national credit reporting system; (9) The system sends a notification to the resource investor that the resource recipient has exceeded the deadline and failed to complete the resource transfer, and prompts the resource investor whether the platform needs to initiate a lawsuit on its behalf; (10) The resource investor clicks to agree to authorize the platform to initiate a lawsuit; (11) This platform system adds a new litigation information, and the status is initialized; (12) The system sends the litigation information to the court system; (13) The court accepts the litigation information and returns a notification message to this platform system that the lawsuit has been accepted; (14) The system updates the litigation status to accepted; (15) The system sends a notice of the court's acceptance of the lawsuit to the resource investor and a notice of the lawsuit to the resource recipient; (16) After receiving the litigation message, if the resource recipient does not transfer all the virtual resources in time, it will face legal sanctions and a continuous decline in the national credit score, and face the consequences of being restricted in consumption and taking public transportation; (17) If the resource recipient transfers back all the virtual resources within a certain period of time, the system The virtual resources are transferred from the resource recipient to the resource investor's account, and the resource transfer certificate status is set to "fully transferred back" and affixed with the platform's electronic official seal indicating that all resources have been transferred back; (18) The system sends a notification to the resource investor that all virtual resources have been transferred back, and automatically initiates a request to withdraw or terminate the lawsuit with the court; (19) The court system processes the withdrawal or termination of the lawsuit and notifies the platform system of the results; (20) The system updates the status of the lawsuit to "terminated"; (21) The system regularly increases the platform credit score of the resource recipient every day; (22) The system reports the platform credit score of the resource recipient to the national credit reporting system every day; (23) The national credit reporting system calculates and updates the credit score of the resource recipient's user every day, and his credit score will slowly recover.

[0228] Through the above application scenario examples, the following effects can be achieved: (1) The security, anonymity, controllability and traceability of the transaction are guaranteed. (2) The signing process of the resource transfer certificate based on digital management ensures the security and legal validity of the signing of the resource transfer certificate. (3) By connecting with the national credit system and the court system, it is more convenient for the resource investor to defend his rights, improves the efficiency of rights protection and lowers the threshold for rights protection. The default record of the resource recipient will affect his credit score in the national credit system, thereby greatly increasing the default cost of the resource recipient. Only when all the target resources corresponding to the resource transfer event are transferred back to the resource investor can his credit score be restored. Therefore, the solution corresponding to this application scenario example can effectively solve the problem of debt collection difficulties to a certain extent and boost social atmosphere.

[0229] As can be seen from the above, the embodiment of the present application can respond to the resource transfer request initiated by the target object in the terminal application, and can generate a list containing resource transfer related information. After the two objects of the resource transfer event complete the signature and perform relevant verification in the list, a preset authentication mark (such as the platform official seal, anti-counterfeiting watermark, etc.) can be added to the list with the signatures of both parties, thereby creating a resource transfer certificate corresponding to the resource transfer event, which can prevent the resource transfer certificate from being tampered with and has notarization power. In addition, it is convenient to trace the resource transfer event based on the resource transfer certificate in the future, so that the resource transfer event is safe and controllable. Furthermore, the number of resources to be returned, the resource transfer deadline and the resource receiving account are determined according to the resource transfer certificate, and the relevant prompts of resource transfer are issued to the resource receiving account regularly or at a preset time from the transfer deadline. When the resource receiving account transfers back part or all of the resources, the number of resources to be transferred back in the resource transfer certificate is updated. Furthermore, when it is detected that there are still untransferred resources after the resource transfer period has expired, information on resources to be managed is generated based on the number of untransferred resources, the duration of the period management, and the resource receiving account, and is sent to the resource investor (target account) for notification to determine whether to manage the resource information to be managed; when it is detected that the target account has made a management request for the resource information to be managed, an information management policy is configured based on the management authority information requested by the target account, so that the resource information to be managed is managed according to the information management policy. In this way, the resource transfer event can be traced and managed, so that the resource receiving account is subject to the constraints of the relevant management policy until all expired resources are transferred back, thereby improving the management of resource transfer events and ensuring the security and reliability of the target account's resource information.

[0230] In order to better implement the above method, the embodiment of the present application also provides a resource transfer information management device. Figure 8As shown, the resource transfer information management device may include an acquisition unit 401 , a determination unit 402 , a generation unit 403 , a configuration unit 404 , a query unit 405 and a management unit 406 .

[0231] An acquisition unit 401 is configured to acquire a resource transfer credential corresponding to a target account, the resource transfer credential carrying a preset authentication identifier and a resource unique identifier;

[0232] A determining unit 402 is configured to determine, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier;

[0233] The generating unit 403 is configured to generate resource information to be managed for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier, and the resource transfer period when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, and feed the resource information to be managed back to the target account;

[0234] The configuration unit 404 is configured to, upon receiving a management request from a target account for resource information to be managed, obtain target management authority information carried in the management request, and configure a target information management policy according to the target management authority information;

[0235] The query unit 405 is further configured to query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy according to the target storage address;

[0236] The management unit 406 is configured to manage the resource information to be managed according to the management weight coefficient and the target information management policy.

[0237] In some implementations, the configuration unit 404 is further configured to: read the permission type and permission coefficient in the target management permission information; and configure the target information management policy according to the permission type and permission coefficient.

[0238] In some implementations, the configuration unit 404 is further configured to: obtain a preset permission template corresponding to the permission type; and configure parameters of the preset permission template according to the permission coefficient to obtain a target information management policy.

[0239] In some embodiments, the authority type includes a credit authority type, and the configuration unit 404 is further used to: obtain a preset credit authority template corresponding to the credit authority type; parse the authority coefficient to obtain the credit authority start time and the credit management step value; configure the parameters of the preset credit authority template according to the authority start time and the credit management step value to obtain a credit information management strategy.

[0240] In some embodiments, the permission type includes a legal permission type, and the configuration unit 404 is further used to: query the available data channel corresponding to the legal management permission type, and request to obtain a preset legal permission template through the available data channel; determine the permission time limit parameter and the permission management parameter based on the permission coefficient; configure the parameters of the preset legal permission template according to the permission time limit parameter and the permission management parameter to obtain a legal information management strategy.

[0241] In some embodiments, the query unit 405 is further used to: obtain the resource storage address corresponding to the resource receiving account; when it is detected that the target storage address is consistent with the resource storage address, determine the storage duration of the target resource at the resource storage address, and determine the management weight coefficient based on the storage duration.

[0242] In some embodiments, the management unit 406 is also used to: extract word information from the resource information to be managed according to preset part-of-speech information to obtain multiple target word information; select a target event template corresponding to the information management strategy from the event template library, and generate multiple resource events to be managed corresponding to the target word information according to the target event template; establish an association relationship between the target information management strategy and the resource event to be managed to obtain a resource management event, and execute the resource management event.

[0243] In some embodiments, the target information management policy is a credit information management policy, and the resource event to be managed is a credit event to be managed. The management unit 406 is further used to: establish an association relationship between the credit information management policy and the credit event to be managed to obtain a credit management event; and send the credit management event to the credit management server so that the credit management server manages the credit score of the resource receiving account according to the resource management event.

[0244] In some embodiments, the target information management policy is a credit information management policy, and the resource event to be managed is a credit event to be managed. The management unit 406 is also used to: establish an association relationship between the legal information management policy and the legal management event to obtain the legal management event; send the legal management event to the legal management server through the preconfigured interface, so that the legal management server performs default management on the resource receiving account based on the legal management event.

[0245] In some embodiments, the generation unit 403 is also used to: obtain a preset management information list; determine the term management duration of the resources to be transferred back based on the resource transfer back deadline; configure the preset management information list based on the term management duration and the number of resources to be transferred back, and sign the configured target management information list based on the preset authentication identifier to obtain the resource information to be managed for the resource receiving account.

[0246] In some embodiments, the resource transfer information management device also includes a prompt unit, which is used to: determine the end time of the deadline based on the resource transfer back deadline, and compare the end time of the deadline with a preset prompt time range value; if it is detected that the end time of the deadline is within the preset prompt time range value and the number of resources to be transferred back is non-zero, then generate a prompt information of the resources to be transferred back based on the end time of the deadline and the number of resources to be transferred back, and send the prompt information of the resources to be transferred back to the resource receiving account.

[0247] In some embodiments, the resource transfer information management device also includes a creation unit, which is used to: receive a resource transfer request from a target account, the resource transfer request carries resource transfer information and a resource receiving account; create a resource transfer list to be verified corresponding to the resource transfer information, and send the resource transfer certificate to be verified to the resource receiving account for signature verification, and obtain a target resource transfer list after signature verification; if it is detected that the target account has passed the verification of the target resource transfer list, then the target resource transfer list is signed with a preset authentication identifier to obtain the signed resource transfer certificate.

[0248] In some embodiments, the creation unit is further used to: generate an initial resource transfer list based on the resource transfer information, and feed the initial resource transfer list back to the target account for signing to obtain the signed initial resource transfer list; identify the signature information of the target account in the signed initial resource transfer list, and obtain the preset unique feature information corresponding to the signature information of the target account; receive the unique feature information to be confirmed corresponding to the target account, and compare the unique feature information to be confirmed with the preset unique feature information; if it is identified that the unique feature information to be confirmed is consistent with the preset unique feature information, the signed initial resource transfer list is determined as the resource transfer list to be verified.

[0249] In some embodiments, the creation unit is further used to: obtain an account credit value corresponding to the resource receiving account; compare the account credit value with a preset resource transfer credit threshold; if it is detected that the account credit value is greater than or equal to the preset resource transfer credit threshold, create a resource transfer certificate to be verified corresponding to the resource transfer information.

[0250] From the above, it can be seen that the embodiment of the present application can obtain the resource transfer certificate corresponding to the target account through the acquisition unit 401, and the resource transfer certificate carries a preset authentication identifier and a resource unique identifier; through the determination unit 402, the number of resources to be transferred back, the resource transfer period and the resource receiving account of the target resource corresponding to the resource unique identifier are determined according to the resource transfer certificate; through the generation unit 403, when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, the resource information to be managed for the resource receiving account is generated according to the number of resources to be transferred back, the preset authentication identifier and the resource transfer period, and the resource information to be managed is fed back to the target account; through the configuration unit 404, when a management request for the resource information to be managed is received from the target account, the target management authority information carried in the management request is obtained, and the target information management policy is configured according to the target management authority information; through the query unit 405, the target storage address of the target resource corresponding to the resource unique identifier is queried, and the management weight coefficient of the target information management policy is determined according to the target storage address; through the management unit 406, the resource information to be managed is managed according to the management weight coefficient and the target information management policy. It can be seen from this that this solution can determine the amount of resources that need to be transferred back and the transfer period based on the resource transfer certificate with an authentication mark. When all resources are not transferred back after the resource transfer period, the resource information to be managed is generated and fed back to the target account. When the target account requests to manage the resource information to be managed, the target information management strategy is determined based on the target management authority information authorized by the target account to manage the resource information to be managed. In this way, resource transfer events can be traced and managed, effectively eliminating problems such as refusal to transfer or delayed transfer after resource transfer, which is conducive to protecting the resource information security of resource investors and improving user experience.

[0251] The present application also provides a computer device, such as Figure 9 , which shows a schematic diagram of the structure of the computer device involved in the embodiment of the present application, specifically:

[0252] The computer device may include one or more processing core processors 501, one or more computer readable storage media memories 502, a power supply 503, an input unit 504 and other components. Those skilled in the art will understand that Figure 9 The computer device structure shown in the figure does not constitute a limitation on the computer device, and may include more or fewer components than shown in the figure, or combine certain components, or arrange components differently.

[0253] Processor 501 is the control center of the computer device. It connects all components of the computer device using various interfaces and circuits. It executes software programs and / or modules stored in memory 502 and accesses data stored in memory 502 to perform various computer functions and process data. Optionally, processor 501 may include one or more processing cores. Preferably, processor 501 integrates an application processor and a modem processor. The application processor primarily handles the operating system, user interface, and application programs, while the modem processor primarily handles wireless communications. It is understood that the modem processor may not be integrated into processor 501.

[0254] The memory 502 can be used to store software programs and modules. The processor 501 executes various functional applications and manages resource transfer information by running the software programs and modules stored in the memory 502. The memory 502 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, at least one application required for a function (such as a sound playback function, an image playback function, etc.); the data storage area may store data created based on the use of the computer device, etc. In addition, the memory 502 may include a high-speed random access memory and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other volatile solid-state storage device. Accordingly, the memory 502 may also include a memory controller to provide the processor 501 with access to the memory 502.

[0255] The computer device also includes a power supply 503 for supplying power to various components. Preferably, the power supply 503 can be logically connected to the processor 501 via a power management system, thereby enabling the power management system to manage charging, discharging, and power consumption. The power supply 503 can also include one or more DC or AC power supplies, a recharging system, a power failure detection circuit, a power converter or inverter, a power status indicator, and other arbitrary components.

[0256] The computer device may further include an input unit 504 , which may be configured to receive input digital or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

[0257] Although not shown, the computer device may further include a display unit, etc., which will not be described in detail here. Specifically, in the embodiment of the present application, the processor 501 in the computer device will load the executable files corresponding to the processes of one or more application programs into the memory 502 according to the following instructions, and the processor 501 will run the application programs stored in the memory 502 to implement various functions as follows:

[0258] Obtain a resource transfer certificate corresponding to the target account, which carries a preset authentication identifier and a resource unique identifier; determine the number of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier based on the resource transfer certificate; when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generate resource information to be managed for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier, and the resource transfer period, and feed back the resource information to be managed to the target account; when a management request for the resource information to be managed is received from the target account, obtain the target management authority information carried in the management request, and configure the target information management policy based on the target management authority information; query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy based on the target storage address; manage the resource information to be managed based on the management weight coefficient and the target information management policy.

[0259] The specific implementation of the above operations can be found in the previous embodiments and will not be described in detail here.

[0260] It can be seen from this that this solution can determine the amount of resources that need to be transferred back and the transfer period based on the resource transfer certificate with an authentication mark. When all resources are not transferred back after the resource transfer period, the resource information to be managed is generated and fed back to the target account. When the target account requests to manage the resource information to be managed, the target information management strategy is determined based on the target management authority information authorized by the target account to manage the resource information to be managed. In this way, resource transfer events can be traced and managed, effectively eliminating problems such as refusal to transfer or delayed transfer after resource transfer, which is conducive to protecting the resource information security of resource investors and improving user experience.

[0261] Those skilled in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be accomplished by instructions, or by controlling related hardware through instructions. The instructions may be stored in a computer-readable storage medium and loaded and executed by a processor.

[0262] To this end, an embodiment of the present application provides a computer-readable storage medium storing a plurality of instructions that can be loaded by a processor to execute the steps of any of the resource transfer information management methods provided in the embodiments of the present application. For example, the instructions can execute the following steps:

[0263] Obtain a resource transfer certificate corresponding to the target account, which carries a preset authentication identifier and a resource unique identifier; determine the number of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier based on the resource transfer certificate; when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generate resource information to be managed for the resource receiving account based on the number of resources to be transferred back, the preset authentication identifier, and the resource transfer period, and feed back the resource information to be managed to the target account; when a management request for the resource information to be managed is received from the target account, obtain the target management authority information carried in the management request, and configure the target information management policy based on the target management authority information; query the target storage address of the target resource corresponding to the resource unique identifier, and determine the management weight coefficient of the target information management policy based on the target storage address; manage the resource information to be managed based on the management weight coefficient and the target information management policy.

[0264] The specific implementation of the above operations can be found in the previous embodiments and will not be repeated here.

[0265] The computer-readable storage medium may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0266] Since the instructions stored in the computer-readable storage medium can execute the steps in any resource transfer information management method provided in the embodiments of the present application, the beneficial effects that can be achieved by any resource transfer information management method provided in the embodiments of the present application can be achieved. Please refer to the previous embodiments for details and will not be repeated here.

[0267] According to one aspect of the present application, a computer program product or computer program is provided, comprising computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the methods provided in the various optional implementations provided in the above embodiments.

[0268] The above is a detailed introduction to the resource transfer information management method, device, equipment and readable storage medium provided in the embodiments of the present application. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core ideas. At the same time, for technical personnel in this field, based on the ideas of the present application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A method for managing resource transfer information, characterized in that: include: Obtain a resource transfer voucher corresponding to the target account, the resource transfer voucher carrying a preset authentication identifier and a unique resource identifier; the resource transfer voucher is an electronic document authenticated for the resource transfer; Determine, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier; When it is detected that the amount of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generating resource information to be managed for the resource receiving account according to the amount of resources to be transferred back, the preset authentication identifier and the resource transfer period, and feeding back the resource information to be managed to the target account; When receiving a management request from the target account for the resource information to be managed, obtaining target management authority information carried in the management request, and configuring a target information management policy according to the target management authority information; The target management authority information includes an authority type and an authority coefficient, wherein the authority type represents a policy type when managing the resource information to be managed; Querying the target storage address of the target resource corresponding to the resource unique identifier, and determining the management weight coefficient of the target information management policy according to the target storage address; the management weight coefficient is used to indicate the management strength when executing the target information management policy; Managing the resource information to be managed according to the management weight coefficient and the target information management strategy; Wherein, if the authority type is a legal management authority type, the target information management policy includes a legal information management policy; and configuring the target information management policy according to the target management authority information includes: Querying available data channels corresponding to the legal management authority type, and requesting to obtain a preset legal authority template through the available data channels; Determining a permission time limit parameter and a permission management parameter based on the permission coefficient; the permission time limit parameter is the duration of the request to execute the legal management permission, which is used to limit the execution period of the legal management permission; the permission management parameter is the multiple legal management regulation identifiers requested when the target account is granted legal management permission; According to the permission time limit parameters and permission management parameters, the parameters of the preset legal permission template are configured to obtain a legal information management strategy; Managing the resource information to be managed according to the management weight coefficient and the target information management policy includes: Extracting word information from the resource information to be managed according to preset part-of-speech information to obtain multiple target word information; Selecting a target event template corresponding to the legal information management strategy from an event template library, and generating a to-be-managed legal event corresponding to the plurality of target word information according to the target event template; Establishing an association relationship between the legal information management strategy and the legal event to be managed to obtain a legal management event; the legal management event indicates a logical time sequence relationship between multiple management logic subroutines, and each management logic subroutine corresponds to an execution instruction of a legal management regulation; The management weight coefficient and the legal management event are sent to the legal management server of the court system through a preconfigured interface, so that the legal management server determines the target management logic subroutine that meets the preset legal management requirements from multiple management logic subroutines based on the logical timing relationship between the multiple management logic subroutines corresponding to the legal management event, and executes the target management logic subroutine to prosecute the user corresponding to the resource receiving account in accordance with the target legal management regulations represented by the target management logic subroutine.

2. The method according to claim 1, characterized in that After determining, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer deadline, and the resource receiving account of the target resource corresponding to the resource unique identifier, the method further includes: When it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer deadline, the platform credit score of the resource receiving account will be deducted regularly every day, and the platform credit score of the resource receiving account will be uploaded to the national credit reporting system regularly every day, so that when the national credit reporting system determines for the first time that the platform credit score of the resource receiving account is not full score, it will write the default record of the resource receiving account and deduct the credit score of the resource receiving account in the national credit reporting system.

3. The method according to claim 1, characterized in that The determining of the management weight coefficient of the target information management policy according to the target storage address includes: Obtain the resource storage address corresponding to the resource receiving account; When it is detected that the target storage address is consistent with the resource storage address, the storage duration of the target resource at the resource storage address is determined, and a management weight coefficient is determined according to the storage duration.

4. The method according to claim 1, wherein The generating of the to-be-managed resource information for the resource receiving account according to the quantity of the to-be-transferred resources, the preset authentication identifier, and the resource transfer-back period includes: Get the preset management information list; Determine the term management duration of the resources to be transferred back according to the resource transfer back period; The preset management information list is configured according to the term management duration and the number of resources to be transferred back, and the configured target management information list is signed according to the preset authentication identifier to obtain the resource information to be managed for the resource receiving account.

5. The method according to claim 1, wherein After determining the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier according to the resource transfer voucher, the method further includes: Determining the end of the period according to the resource transfer-back period, and comparing the end of the period with a preset prompt period range value; If it is detected that the end time of the deadline is within the preset prompt time range and the number of resources to be transferred back is non-zero, a prompt information of resources to be transferred back is generated based on the end time of the deadline and the number of resources to be transferred back, and the prompt information of resources to be transferred back is sent to the resource receiving account.

6. The method according to claim 1, characterized in that Before obtaining the resource transfer certificate corresponding to the target account, the method further includes: receiving a resource transfer request from a target account, the resource transfer request carrying resource transfer information and a resource receiving account; the resource transfer request is used to request the transfer of resources from the target account to the resource receiving account; Creating a to-be-verified resource transfer list corresponding to the resource transfer information, and sending the to-be-verified resource transfer list to the resource receiving account for signature verification, to obtain a target resource transfer list after signature verification; If it is detected that the target account has passed the verification of the target resource transfer list, a preset authentication identifier is signed on the target resource transfer list to obtain a signed resource transfer certificate.

7. A resource transfer information management device, characterized in that: include: An acquisition unit is configured to acquire a resource transfer certificate corresponding to a target account, wherein the resource transfer certificate carries a preset authentication identifier and a unique resource identifier; the resource transfer certificate is an electronic document authenticated for resource transfer; a determining unit, configured to determine, based on the resource transfer voucher, the quantity of resources to be transferred back, the resource transfer period, and the resource receiving account of the target resource corresponding to the resource unique identifier; a generating unit configured to, when detecting that the amount of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, generate resource information to be managed for the resource receiving account based on the amount of resources to be transferred back, a preset authentication identifier, and the resource transfer period, and feed back the resource information to be managed to the target account; a configuration unit configured to, when receiving a management request from the target account for the resource information to be managed, obtain target management authority information carried in the management request, and configure a target information management policy according to the target management authority information; The target management authority information includes an authority type and an authority coefficient, wherein the authority type represents a policy type when managing the resource information to be managed; a query unit, configured to query a target storage address of a target resource corresponding to the resource unique identifier, and determine a management weight coefficient of the target information management policy based on the target storage address; the management weight coefficient is used to indicate a management intensity when executing the target information management policy; A management unit, configured to manage the resource information to be managed according to the management weight coefficient and the target information management policy; Wherein, if the permission type is a legal management permission type, the target information management strategy includes a legal information management strategy, and the configuration unit is further used to: query the available data channel corresponding to the legal management permission type, and request to obtain a preset legal permission template through the available data channel; determine the permission time limit parameter and the permission management parameter according to the permission coefficient; the permission time limit parameter is the duration of the request to execute the legal management permission, which is used to limit the execution cycle of the legal management permission; the permission management parameter is a plurality of legal management regulation identifiers requested when the target account is granted legal management permission; according to the permission time limit parameter and the permission management parameter, the preset legal permission template is parameter configured to obtain the legal information management strategy; The management unit is further used to extract word information from the resource information to be managed according to preset part-of-speech information to obtain multiple target word information; select the target event template corresponding to the legal information management strategy from the event template library, and generate the legal events to be managed corresponding to the multiple target word information according to the target event template; establish an association relationship between the legal information management strategy and the legal event to be managed to obtain a legal management event; the legal management event indicates the logical timing relationship between multiple management logic subroutines, and one management logic subroutine corresponds to an execution instruction of a legal management regulation; send the management weight coefficient and the legal management event to the legal management server of the court system through a pre-configured interface, so that the legal management server determines the target management logic subroutine that meets the preset legal management requirements from multiple management logic subroutines according to the logical timing relationship between the multiple management logic subroutines corresponding to the legal management event, and executes the target management logic subroutine to prosecute the user corresponding to the resource receiving account in accordance with the target legal management regulation represented by the target management logic subroutine.

8. The device according to claim 7, characterized in that The resource transfer information management device is also used to: when it is detected that the number of resources to be transferred back is greater than zero and the time exceeds the resource transfer period, regularly deduct the platform credit score of the resource receiving account every day, and regularly upload the platform credit score of the resource receiving account to the national credit reporting system every day, so that when the national credit reporting system first determines that the platform credit score of the resource receiving account is not full score, it will write the default record of the resource receiving account and deduct the credit score of the resource receiving account in the national credit reporting system.

9. The device according to claim 7, characterized in that The query unit is further configured to: obtain the resource storage address corresponding to the resource receiving account; When it is detected that the target storage address is consistent with the resource storage address, the storage duration of the target resource at the resource storage address is determined, and a management weight coefficient is determined according to the storage duration.

10. The device according to claim 7, characterized in that The generating unit is further configured to: obtain a preset management information list; Determine the term management duration of the resources to be transferred back according to the resource transfer back period; The preset management information list is configured according to the term management duration and the number of resources to be transferred back, and the configured target management information list is signed according to the preset authentication identifier to obtain the resource information to be managed for the resource receiving account.

11. The device according to claim 7, characterized in that The resource transfer information management device further includes a prompting unit for: determining the end time of the deadline according to the resource transfer-back deadline, and comparing the end time of the deadline with a preset prompting time range value; If it is detected that the end time of the deadline is within the preset prompt time range and the number of resources to be transferred back is non-zero, a prompt information of resources to be transferred back is generated based on the end time of the deadline and the number of resources to be transferred back, and the prompt information of resources to be transferred back is sent to the resource receiving account.

12. The device according to claim 7, characterized in that The resource transfer information management device further includes a creation unit configured to receive a resource transfer request from a target account, the resource transfer request carrying resource transfer information and a resource receiving account; the resource transfer request is configured to request the transfer of resources from the target account to the resource receiving account; Creating a to-be-verified resource transfer list corresponding to the resource transfer information, and sending the to-be-verified resource transfer list to the resource receiving account for signature verification, to obtain a target resource transfer list after signature verification; If it is detected that the target account has passed the verification of the target resource transfer list, a preset authentication identifier is signed on the target resource transfer list to obtain a signed resource transfer certificate.

13. A computer device, characterized in that: The method comprises a processor and a memory, wherein the memory stores a computer program, and the processor is configured to execute the computer program in the memory to implement the steps of the method for managing resource transfer information according to any one of claims 1 to 6.

14. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a plurality of instructions, and the instructions are suitable for being loaded by a processor to execute the steps of the resource transfer information management method according to any one of claims 1 to 6.

15. A computer program product, characterized in that The method comprises computer instructions, which, when executed, implement the steps of the method for managing resource transfer information according to any one of claims 1 to 6.

Images