Resource acquisition method, apparatus, device, and storage medium

Abstract

This application relates to a resource acquisition method, apparatus, device, and storage medium, and pertains to the field of digital currency technology. Applied to a wallet backend management server, the method includes: receiving a resource list query request sent by a terminal device, and determining a resource list to be acquired based on the target user account in the query request, the resource list including at least one resource; sending the resource list to the terminal device; receiving a target resource acquisition request sent by the terminal device, verifying the acquisition permission corresponding to the target user, and, if the target user's acquisition permission passes the verification, sending the target resource acquisition request to the operating institution's server, so that the operating institution's server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account; and sending a successful acquisition response message to the terminal device. This application can improve the efficiency of digital currency usage.

Description

Technical Field

[0001] This application relates to the field of digital currency technology, and in particular to a resource acquisition method, apparatus, device and storage medium. Background Technology

[0002] The digital yuan is a digital form of legal tender (digital currency), operated by designated institutions and exchanged with users to meet their demand for digital cash. The digital yuan adopts a two-tier operating system: the management center of the operating institution does not directly issue or exchange digital currency with users, but first exchanges it with designated operating institutions, such as commercial banks or other commercial entities, which then exchange it with users.

[0003] Currently, the use of red envelopes (digital cash gifts) on social networks not only facilitates users' work and life but also greatly enhances user stickiness and interaction, making communication between users increasingly closer. However, existing technologies do not employ digital currency for the allocation and acquisition of virtual resources (such as red envelopes). Therefore, the efficiency of using digital currency is relatively low. Summary of the Invention

[0004] This application provides a resource acquisition method, apparatus, device, and storage medium to at least address the problem of low efficiency in the use of digital currency in related technologies. The technical solution of this application is as follows:

[0005] According to a first aspect of the embodiments of this application, a resource acquisition method is provided, applied to a wallet backend management server. The method includes: receiving a resource list query request sent by a terminal device, and determining a resource list to be acquired based on the target user account in the resource list query request, wherein the resource list to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency; sending the resource list to be acquired to the terminal device; receiving a target resource acquisition request sent by the terminal device, verifying the acquisition permission corresponding to the target user, and if the acquisition permission corresponding to the target user passes the verification, sending a target resource acquisition request to an operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account, wherein the target resource is a resource in the resource list to be acquired; and sending a target resource acquisition success response information to the terminal device.

[0006] In one possible implementation, determining the resource list to be acquired based on the target user account in the resource list query request includes: determining the target resource list based on the target user account in the resource list query request, the target resource list including multiple resources corresponding to the target user account, the multiple resources including at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource; determining the resource status corresponding to each resource included in the target resource list, and determining the resource list to be acquired based on the resource status corresponding to each resource, the resource status being any one of the following: resource to be acquired, resource being acquired, acquired resource, and expired resource.

[0007] In one possible implementation, determining the resource status corresponding to each resource included in the target resource list includes: sending a first resource status query request to the operator's server, the first resource status query request being used to obtain the resource status corresponding to each resource included in the target resource list; receiving a first resource status response information sent by the operator's server, and determining the resource status corresponding to each resource included in the target resource list based on the first resource status response information.

[0008] In one possible implementation, sending a request to acquire a target resource to the operator's server includes: determining that the resource status corresponding to the target resource is "acquiring resource", and sending a request to acquire the target resource to the operator's server. The request to acquire the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity; receiving a successful response message from the operator's server, and updating the resource status corresponding to the target resource to "acquired resource".

[0009] In one possible implementation, the method further includes: receiving a resource acquisition failure response message sent by the operator's server and updating the resource status corresponding to the target resource to a resource to be acquired; and sending the target resource acquisition failure response message to the terminal device.

[0010] In one possible implementation, the method further includes: after sending a request to the operator's server to obtain the target resource, directly sending a response message indicating that the target resource is being obtained to the terminal device.

[0011] In one possible implementation, the method further includes: determining a list of resources being acquired based on the target user account in the resource list query request, the list of resources being acquired including at least one resource being acquired corresponding to the target user account; sending a second resource status query request to the operator's server, the second resource status query request being used to determine the resource status corresponding to at least one resource being acquired included in the resource list; receiving a second resource status response information sent by the operator's server, and re-determining the resource status corresponding to at least one resource being acquired based on the second resource status response information; and when, based on the second resource status response information, it is re-determined that there is a first resource among the at least one resource being acquired with a resource status of pending acquisition, adding the first resource to the resource list.

[0012] According to a second aspect of the embodiments of this application, a resource acquisition method is provided, applied to a terminal device. The method includes: running a digital currency application logged in with a target user account, displaying a resource acquisition page, and sending a request to a wallet backend management server for a list of resources to be acquired. The resource acquisition page displays identifiers of multiple resources, and the request to query the list of resources to be acquired is used to query at least one resource to be acquired corresponding to the target user account; receiving a list of resources to be acquired sent by the wallet backend management server, and displaying an identifier of at least one resource to be acquired, the list of resources to be acquired including at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired being a resource in the form of digital currency; responding to an operation input by the target user to acquire a target resource, acquiring the target resource, and sending a request to acquire the target resource to the wallet backend management server, the target resource being a resource in the list of resources to be acquired, and the request to acquire the target resource including at least one of the following: target user information, target resource identifier, and target resource quantity; and receiving a response message from the wallet backend management server indicating successful acquisition of the target resource if the target resource is successfully acquired.

[0013] In one possible implementation, the method further includes: if the target user account has not activated a personal wallet, activating a personal wallet in response to the target user's input of an operation to obtain the target resource.

[0014] According to a third aspect of the embodiments of this application, a resource acquisition method is provided, applied to an operating institution server. The method includes: receiving a first resource status query request sent by a wallet backend management server, the first resource status query request being used to acquire the resource status corresponding to each resource included in a target resource list, the target resource list including multiple resources corresponding to a target user account, the multiple resources including at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, at least one expired resource, and the resource status being any one of the following: resource to be acquired, resource being acquired, acquired resource, expired resource; determining the resource status corresponding to each resource included in the target resource list, and sending first resource status response information to the wallet backend management server; receiving a target resource acquisition request sent by the wallet backend management server, and completing a digital currency transfer based on the target resource acquisition request, the target resource being a resource in the resource to be acquired list, the target resource acquisition request including at least one of the following: target user information, target resource identifier, target resource quantity; and sending a target resource acquisition success response information to the wallet backend management server.

[0015] In one possible implementation, the method further includes: receiving a second resource status query request sent by a wallet backend management server, the second resource status query request being used to determine the resource status corresponding to at least one resource in the resource acquisition list, the resource acquisition list including at least one resource in acquisition corresponding to a target user account; and sending second resource status response information to the wallet backend management server, the second resource status response information being used by the wallet backend management server to re-determine the resource status corresponding to at least one resource in acquisition.

[0016] In one possible implementation, the method further includes sending a resource acquisition failure response message to the wallet backend management server.

[0017] In one possible implementation, completing a digital currency transfer based on a request to acquire a target resource includes: acquiring a payment wallet account corresponding to the target resource identifier; and transferring digital currency corresponding to the target resource amount from a preset sub-wallet associated with the payment wallet account to a personal wallet corresponding to the target user account.

[0018] In one possible implementation, transferring digital currency corresponding to the target resource amount from a preset sub-wallet associated with the payment wallet account to a personal wallet corresponding to the target user account includes: deducting the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account and updating the digital currency in the preset sub-wallet associated with the payment wallet account; adding the digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account and updating the digital currency in the personal wallet corresponding to the target user account.

[0019] According to a fourth aspect of the embodiments of this application, a resource acquisition system is provided. The resource acquisition system includes: a wallet backend management server, a terminal device, and an operating institution server. The resource acquisition system is capable of executing the methods described in the first aspect and any possible implementation thereof, the second aspect and any possible implementation thereof, or the third aspect and any possible implementation thereof.

[0020] According to a fifth aspect of the embodiments of this application, a wallet backend management server is provided, comprising: a receiving unit, a processing unit, and a sending unit; the receiving unit is configured to receive a query request for a list of resources to be acquired sent by a terminal device; the processing unit is configured to determine a list of resources to be acquired based on the target user account in the query request, the list of resources to be acquired including at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired being a resource in the form of digital currency; the sending unit is configured to send the list of resources to be acquired to the terminal device; the receiving unit is configured to receive a request to acquire a target resource sent by the terminal device; the processing unit is configured to verify the acquisition permission corresponding to the target user, and if the acquisition permission corresponding to the target user passes the verification, send a request to acquire a target resource to an operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account, the target resource being a resource in the list of resources to be acquired; the sending unit is configured to send a successful acquisition response information to the terminal device.

[0021] In one possible implementation, the processing unit is configured to determine a target resource list based on the target user account in the resource list query request. The target resource list includes multiple resources corresponding to the target user account, and the multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The processing unit is configured to determine the resource status corresponding to each resource included in the target resource list, and determine the resource list to be acquired based on the resource status corresponding to each resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource.

[0022] In one possible implementation, the sending unit is configured to send a first resource status query request to the operator's server, the first resource status query request being used to obtain the resource status corresponding to each resource included in the target resource list; the receiving unit is configured to receive the first resource status response information sent by the operator's server; and the processing unit is configured to determine the resource status corresponding to each resource included in the target resource list based on the first resource status response information.

[0023] In one possible implementation, the processing unit is used to determine that the resource status corresponding to the target resource is "resource being acquired"; the sending unit is used to send a request to acquire the target resource to the operator's server, the request for acquiring the target resource including at least one of the following: target user information, target resource identifier, and target resource quantity; the receiving unit is used to receive a successful acquisition response information sent by the operator's server and update the resource status corresponding to the target resource to "acquired resource".

[0024] In one possible implementation, the receiving unit is configured to receive a resource acquisition failure response information sent by the operator's server and update the resource status corresponding to the target resource to a resource to be acquired; the sending unit is configured to send the target resource acquisition failure response information to the terminal device.

[0025] In one possible implementation, the sending unit is configured to send a response message indicating that the target resource is being acquired directly to the terminal device after sending a request to the operator's server to acquire the target resource.

[0026] In one possible implementation, the processing unit is configured to determine a list of resources being acquired based on the target user account in the resource list query request, the list of resources being acquired including at least one resource being acquired corresponding to the target user account; the sending unit is configured to send a second resource status query request to the operator's server, the second resource status query request being used to determine the resource status corresponding to at least one resource being acquired included in the resource list; the receiving unit is configured to receive second resource status response information sent by the operator's server; the processing unit is configured to re-determine the resource status corresponding to at least one resource being acquired based on the second resource status response information; and the processing unit is configured to add the first resource to the resource list being acquired when, based on the second resource status response information, a first resource with a resource status of "to be acquired" is redetermined among the at least one resource being acquired, the first resource is redetermined to be acquired.

[0027] According to a sixth aspect of the embodiments of this application, a terminal device is provided, comprising: a processing unit, a sending unit, and a receiving unit; the processing unit is configured to run a digital currency application logged in with a target user's account and display a resource acquisition page; the sending unit is configured to send a resource list query request to a wallet backend management server, wherein the resource acquisition page displays identifiers of multiple resources, and the resource list query request is used to query at least one resource to be acquired corresponding to the target user's account; the receiving unit is configured to receive a resource list to be acquired sent by the wallet backend management server; the processing unit is configured to display identifiers of at least one resource to be acquired, wherein the resource list includes at least one resource to be acquired corresponding to the target user's account, and the at least one resource to be acquired is a resource in the form of digital currency; the processing unit is configured to acquire the target resource in response to an operation input by the target user; the sending unit is configured to send a target resource acquisition request to the wallet backend management server, wherein the target resource is a resource in the resource list to be acquired, and the target resource acquisition request includes at least one of the following: target user information, target resource identifier, and target resource quantity; the receiving unit is configured to receive a target resource acquisition success response information sent by the wallet backend management server if the target resource is successfully acquired.

[0028] In one possible implementation, the processing unit is configured to activate a personal wallet in response to an operation input by the target user to obtain the target resource, provided that the target user's account has not activated a personal wallet.

[0029] According to a seventh aspect of the embodiments of this application, an operating institution server is provided, comprising: a receiving unit, a processing unit, and a sending unit; the receiving unit is configured to receive a first resource status query request sent by a wallet backend management server, the first resource status query request being used to obtain the resource status corresponding to each resource included in a target resource list, the target resource list including multiple resources corresponding to a target user account, the multiple resources including at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, at least one expired resource, and the resource status being any one of the following: resource to be acquired, resource being acquired, acquired resource, expired resource; the processing unit is configured to determine the resource status corresponding to each resource included in the target resource list; the sending unit is configured to send first resource status response information to the wallet backend management server; the receiving unit is configured to receive a target resource acquisition request sent by the wallet backend management server; the processing unit is configured to complete a digital currency transfer based on the target resource acquisition request, the target resource being a resource in the resource to be acquired list, the target resource acquisition request including at least one of the following: target user information, target resource identifier, target resource quantity; and the sending unit is configured to send a target resource acquisition success response information to the wallet backend management server.

[0030] In one possible implementation, the receiving unit is configured to receive a second resource status query request sent by the wallet backend management server. The second resource status query request is used to determine the resource status corresponding to at least one resource in the resource acquisition list, and the resource acquisition list includes at least one resource in acquisition corresponding to the target user account. The sending unit is configured to send second resource status response information to the wallet backend management server. The second resource status response information is used by the wallet backend management server to re-determine the resource status corresponding to at least one resource in acquisition.

[0031] In one possible implementation, the sending unit is used to send a resource acquisition failure response message to the wallet backend management server.

[0032] In one possible implementation, the processing unit is configured to obtain the payment wallet account corresponding to the target resource identifier; and transfer the digital currency corresponding to the target resource amount from a preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account.

[0033] In one possible implementation, the processing unit is configured to deduct the digital currency corresponding to the target resource amount from a preset sub-wallet associated with the payment wallet account and update the digital currency in the preset sub-wallet associated with the payment wallet account; the processing unit is configured to add the digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account and update the digital currency in the personal wallet corresponding to the target user account.

[0034] According to an eighth aspect of the present application, an electronic device is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute instructions to implement the methods described in the first aspect and any possible implementation thereof, the second aspect and any possible implementation thereof, or the third aspect and any possible implementation thereof.

[0035] According to a ninth aspect of the present application, a computer-readable storage medium is provided, wherein when the instructions in the computer-readable storage medium are executed by a processor of an electronic device, the electronic device is enabled to perform the methods described in the first aspect and any possible implementation thereof, the second aspect and any possible implementation thereof, or the third aspect and any possible implementation thereof.

[0036] According to a tenth aspect of the present application, a computer program product is provided, the computer program product including computer instructions that, when executed on an electronic device, cause the electronic device to perform the methods described in the first aspect and any possible implementation thereof, the second aspect and any possible implementation thereof, or the third aspect and any possible implementation thereof.

[0037] The technical solution of the first aspect provided by the embodiments of this application brings at least the following beneficial effects: When a target user obtains resources through a target user account logged in on a terminal device, the wallet backend management server can receive a resource list query request sent by the terminal device, and based on the target user account in the resource list query request, determine at least one resource to be obtained, including the digital currency corresponding to the target user account, and send the resource list including at least one resource to be obtained to the terminal device. This enables the wallet backend management server to receive a resource acquisition request sent by the terminal device when the target user triggers the acquisition of target resources through the terminal device, to verify the acquisition permission of the target user, and, if the acquisition permission of the target user passes the verification, to send a resource acquisition request to the operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account, and sends a successful acquisition response message to the terminal device. Therefore, based on the above method, when a target user account logged in on a terminal device attempts to acquire resources, the wallet backend management server determines the corresponding list of resources to be acquired based on the target user account and sends it to the terminal device. When the terminal device needs to acquire a target resource from the list, and provided the target user's access permissions are verified, a request to acquire the target resource is sent to the operating institution's server. This allows the operating institution's server to transfer the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and send a successful acquisition response to the terminal device. This enables the acquisition of target resources through the target user account logged in on the terminal device, thereby improving the efficiency of digital currency usage.

[0038] It should be noted that the technical effects of any of the implementation methods in aspects two through ten can be found in the technical effects of the corresponding implementation methods in aspect one, and will not be repeated here.

[0039] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and do not limit this application. Attached Figure Description

[0040] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application, and do not constitute an undue limitation of this application.

[0041] Figure 1 This is a schematic diagram illustrating an implementation architecture according to an exemplary embodiment;

[0042] Figure 2This is a flowchart illustrating a resource acquisition method according to an exemplary embodiment;

[0043] Figure 3 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0044] Figure 4 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0045] Figure 5 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0046] Figure 6 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0047] Figure 7 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0048] Figure 8 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0049] Figure 9 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0050] Figure 10 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0051] Figure 11 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0052] Figure 12 This is a flowchart illustrating yet another resource acquisition method according to an exemplary embodiment;

[0053] Figure 13 This is a block diagram illustrating a wallet backend management server according to an exemplary embodiment;

[0054] Figure 14 This is a block diagram illustrating a terminal device according to an exemplary embodiment;

[0055] Figure 15 This is a block diagram illustrating an operating organization server according to an exemplary embodiment;

[0056] Figure 16 This is a block diagram illustrating an electronic device according to an exemplary embodiment. Detailed Implementation

[0057] To enable those skilled in the art to better understand the technical solutions of this application, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings.

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

[0059] Before providing a detailed introduction to the resource acquisition method provided in this application, let's briefly introduce the relevant elements, application scenarios, and implementation environment involved in this application.

[0060] First, a brief introduction to the relevant elements involved in this application will be given.

[0061] This application employs a unitized deployment in the wallet backend management server, using logical units as the basic deployment unit. Each logical unit contains its own data and services. The logical units include: Global Zone (Gzone), City Zone (Czone), and Region Zone (RZone), each of which contains data and services.

[0062] Gzone deploys applications that are not split according to specific dimensions (users, wallets, etc.), providing indivisible data and services. Gzone can be deployed in multiple cities, but only one city's Gzone provides global services at any given time. It can be deployed in multiple centers within the same city, with each data center serving as a backup for the others and allowing for traffic adjustment.

[0063] Czone deployment is a city-based, indivisible data service primarily designed to address high latency in cross-city communication. At least one Czone is deployed for each city, and the data or services are frequently accessed by Rzone. As a cache for Gzone, Czone, in principle, does not create new data; its data generally originates from Gzone.

[0064] Rzone deploys data and services that are split according to specific dimensions (users, wallets, etc.), ensuring that business operations can be distributed across different units for processing.

[0065] Wallet: The carrier of digital yuan and the medium for reaching users. Users open an account through a digital yuan application (also known as a digital currency application) by selecting an operating institution (commercial bank) designated by the central bank.

[0066] Operating institution: A commercial bank responsible for providing digital RMB exchange and circulation services to the public.

[0067] Two-tier operation: The central bank issues legal digital currency to designated operating institutions, which are responsible for exchange and circulation transactions.

[0068] Secondly, a brief introduction to the application scenarios involved in this application will be given.

[0069] In related technologies, the application of red envelopes in social networks not only facilitates users' work and life but also greatly enhances user stickiness and interaction, making communication between users increasingly closer. However, there are currently no schemes using digital RMB to distribute red envelopes.

[0070] To address the aforementioned issues, this application provides a resource acquisition method. When a target user acquires resources through a target user account logged in on a terminal device, the wallet backend management server can receive a resource acquisition list query request sent by the terminal device. Based on the target user account in the resource acquisition list query request, the server determines at least one resource to be acquired, including the digital currency corresponding to the target user account, and sends the resource acquisition list, including at least one resource, to the terminal device. This allows the wallet backend management server to receive the resource acquisition request sent by the terminal device when the target user triggers resource acquisition through the terminal device, verify the target user's acquisition permissions, and, if the target user's acquisition permissions are verified, send the resource acquisition request to the operating institution's server. The operating institution's server then transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and sends a successful resource acquisition response message to the terminal device. Therefore, based on the above method, when a target user account logged in on a terminal device attempts to acquire resources, the wallet backend management server determines the corresponding list of resources to be acquired based on the target user account and sends it to the terminal device. When the terminal device needs to acquire a target resource from the list, and provided the target user's access permissions are verified, a request to acquire the target resource is sent to the operating institution's server. This allows the operating institution's server to transfer the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and send a successful acquisition response to the terminal device. This enables the acquisition of target resources through the target user account logged in on the terminal device, thereby improving the efficiency of digital currency usage.

[0071] Finally, a brief introduction is given to the implementation environment (implementation architecture) involved in the method provided in this application.

[0072] Figure 1 This is an implementation architecture diagram of this application. The resource acquisition system 100 includes: a wallet backend management server 110, a terminal device 120, and an operating institution server 130. The wallet backend management server 110, the terminal device 120, and the operating institution server 130 can be connected via wired or wireless means to realize the interaction of data information between the wallet backend management server 110, the terminal device 120, and the operating institution server 130.

[0073] The wallet backend management server 110 can be a server corresponding to the management center of the operating institution, such as the server of the People's Bank of China. It is used to receive the resource list query request sent by the terminal device 120, determine the resource list to be acquired based on the target user account in the resource list query request, and send the resource list to be acquired to the terminal device 120. When receiving the target resource acquisition request sent by the terminal device 120, it verifies the acquisition permission of the target user. If the acquisition permission of the target user passes the verification, it sends the target resource acquisition request to the operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and sends a target resource acquisition success response information to the terminal device 120.

[0074] The terminal device 120 may have a digital currency application installed. The digital currency application has wallet functions, payment functions, transaction functions, etc. It is used to send a query request for the list of resources to be acquired to the wallet backend management server 110, and display the identifier of at least one resource to be acquired based on the list of resources to be acquired sent by the wallet backend management server 110; and in response to the target user's input operation to acquire the target resource, acquire the target resource and send a request to acquire the target resource to the wallet backend management server 110; and if the target resource is successfully acquired, receive the target resource acquisition success response information sent by the wallet backend management server 110.

[0075] In some embodiments, the terminal device 120 may also activate a personal wallet in response to the target user's input of an operation to obtain the target resource, even if the target user's account has not activated a personal wallet.

[0076] The operating institution server 130 can be a server of a commercial bank, used to receive a first resource status query request sent by the wallet backend management server 110 to obtain the resource status corresponding to each resource included in the target resource list, and determine the resource status corresponding to each resource included in the target resource list, so as to send the first resource status response information to the wallet backend management server 110; and to receive a target resource acquisition request sent by the wallet backend management server 110, complete the digital currency transfer based on the target resource acquisition request, and send a target resource acquisition success response information to the wallet backend management server 110.

[0077] In some embodiments, the operating institution server 130 may also receive a second resource status query request sent by the wallet backend management server 110 for determining the resource status corresponding to at least one resource in the resource list being acquired, and send a second resource status response information to the wallet backend management server 110 for the wallet backend management server 110 to re-determine the resource status corresponding to at least one resource in the resource list being acquired.

[0078] Furthermore, it should be noted that the user information involved in this application (including but not limited to user device information, user personal information, user bank card information, etc.) is all information authorized by the user or fully authorized by all parties.

[0079] For ease of understanding, the resource acquisition method provided in this application will be described in detail below with reference to the accompanying drawings.

[0080] Figure 2 This is a flowchart illustrating a resource acquisition method according to an exemplary embodiment. The method is applied to a wallet backend management server, but can also be applied to a terminal device or an operating organization's server. The following description uses the application of this method to a wallet backend management server as an example to illustrate the method. Figure 2 As shown, the resource acquisition method includes the following steps S201-S204:

[0081] S201. Receive the resource list query request sent by the terminal device, and determine the resource list to be obtained based on the target user account in the resource list query request.

[0082] The list of resources to be acquired includes at least one resource corresponding to the target user account, and at least one resource to be acquired is a resource in the form of digital currency.

[0083] In this embodiment of the application, when a target user obtains resources through a target user account logged in on a terminal device, the terminal device can be triggered to send a resource list query request to the wallet backend management server. Thus, the wallet backend management server can determine the resource list corresponding to the target user account based on the received resource list query request sent by the terminal device.

[0084] Optionally, the resources to be acquired can be any of the following: red envelopes to be received corresponding to the target user account, transfers to be received corresponding to the target user account, etc.

[0085] Optionally, the wallet backend management server may include the following multiple units: the partition unit corresponding to the resource sender (sender RZone), the partition unit corresponding to the resource receiver (receiver RZone), the sharing unit (Czone), and the global unit (Gzone). The resource sender can be understood as the user who sends the resource (e.g., the user who initiates a transfer or red envelope), and the resource receiver can be understood as the user who receives the resource (e.g., the user who receives a transfer or red envelope).

[0086] Optionally, the wallet backend management server can be understood as the server corresponding to the central bank. The wallet backend management server can query and determine the list of resources to be acquired, which includes at least one resource to be acquired, based on the target user account in the resource to be acquired list query request.

[0087] Optionally, the wallet backend management server can determine the list of resources to be acquired through information exchange between the partition unit corresponding to the resource sender, the partition unit corresponding to the resource receiver, the shared unit, and the global unit.

[0088] The specific implementation of the step of determining the list of resources to be obtained based on the target user account in the query request for the list of resources to be obtained can be referred to the following description of the embodiments of this application, and will not be repeated here.

[0089] S202. Send the list of resources to be acquired to the terminal device.

[0090] Optionally, after the wallet backend management server determines the list of resources to be acquired, which includes at least one resource to be acquired, it needs to send the list of resources to be acquired to the terminal device.

[0091] Optionally, the wallet backend management server can send the list of resources to be acquired to the digital currency application on the terminal device through the partition unit corresponding to the resource recipient.

[0092] S203. Receive the request to obtain the target resource sent by the terminal device, verify the access permission of the target user, and if the access permission of the target user passes the verification, send the request to obtain the target resource to the operator's server so that the operator's server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account.

[0093] The target resource is the resource in the list of resources to be acquired.

[0094] Optionally, if the digital currency application in the terminal device receives a list of resources to be acquired and displays an identifier for at least one resource to be acquired, and the target user triggers the acquisition of the target resource, the wallet backend management server can receive the acquisition request sent by the terminal device.

[0095] Furthermore, when the wallet backend management server receives a request from a terminal device to obtain a target resource, it needs to verify the access permissions of the target user. If the access permissions of the target user pass the verification, the wallet backend management server sends the request to obtain the target resource to the operating institution's server. When the operating institution's server receives the request to obtain the target resource, it transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account.

[0096] S204. Send a successful response message to the terminal device regarding the acquisition of the target resource.

[0097] Optionally, after the terminal device receives the successful acquisition response information of the target resource sent by the corresponding partition unit of the resource recipient through the digital currency application, the acquisition of the target resource is completed.

[0098] For specific implementation details of the above steps, please refer to the following description of the embodiments of this application, which will not be repeated here.

[0099] This application provides a resource acquisition method applied to a wallet backend management server. When a target user acquires resources through a target user account logged in on a terminal device, the wallet backend management server can receive a resource list query request sent by the terminal device. Based on the target user account in the resource list query request, the server determines at least one resource to be acquired, including the digital currency corresponding to the target user account, and sends the resource list, including at least one resource, to the terminal device. This allows the wallet backend management server to receive the resource acquisition request sent by the terminal device when the target user triggers resource acquisition through the terminal device, verify the target user's acquisition permissions, and, if the target user's acquisition permissions are verified, send the resource acquisition request to the operating institution's server. The operating institution's server then transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and sends a successful resource acquisition response message to the terminal device. Therefore, based on the above method, when a target user account logged in on a terminal device attempts to acquire resources, the wallet backend management server determines the corresponding list of resources to be acquired based on the target user account and sends it to the terminal device. When the terminal device needs to acquire a target resource from the list, and provided the target user's access permissions are verified, a request to acquire the target resource is sent to the operating institution's server. This allows the operating institution's server to transfer the digital currency corresponding to the target resource to the personal wallet corresponding to the target user account and send a successful acquisition response to the terminal device. This enables the acquisition of target resources through the target user account logged in on the terminal device, thereby improving the efficiency of digital currency usage.

[0100] In some embodiments, such as Figure 3 As shown, the method for "determining the list of resources to be obtained based on the target user account in the query request for the list of resources to be obtained" in S201 provided in this application embodiment specifically includes the following steps S301-S302:

[0101] S301. Determine the target resource list based on the target user account in the resource list query request.

[0102] The target resource list includes multiple resources corresponding to the target user account. Each resource includes at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource.

[0103] Optionally, the wallet backend management server can receive the resource list query request sent by the terminal device through the partition unit corresponding to the resource recipient, and after receiving the resource list query request, the partition unit corresponding to the resource recipient sends the target resource list query request (e.g., C2C resource list index query request) to the sharing unit.

[0104] Furthermore, the sharing unit determines the target resource list corresponding to the target user account and returns the target resource list to the partition unit corresponding to the resource recipient.

[0105] S302. Determine the resource status corresponding to each resource in the target resource list, and determine the resource list to be acquired based on the resource status corresponding to each resource.

[0106] The resource status is any of the following: resource to be acquired, resource being acquired, resource already acquired, or expired resource.

[0107] Optionally, after receiving the target resource list, the partition unit corresponding to the resource receiver concurrently routes to the partition unit corresponding to the resource sender based on the identifier of each resource included in the target resource list, in order to query the resource details corresponding to each resource included in the target resource list.

[0108] The specific implementation of this step, which involves determining the resource status corresponding to each resource included in the target resource list, can be found in the following description of the embodiments of this application, and will not be repeated here.

[0109] It should be noted that, in the case of steps S301 and S302 mentioned above, the specific content included in step S201 is "receiving a request for querying the list of resources to be acquired sent by the terminal device".

[0110] As can be seen from the above, the wallet backend management server can determine the target resource list corresponding to the target user account, which includes multiple resources, based on the query request for the resource list to be obtained sent by the terminal device, and further determine the resource status corresponding to each resource included in the target resource list. Thus, from the target resource list including multiple resources, the resources with the resource status of "resources to be obtained" are determined as the resource list to be obtained.

[0111] In some embodiments, such as Figure 4 As shown, the method for "determining the resource status corresponding to each resource included in the target resource list" in S302 of the embodiment of this application specifically includes the following steps S3021-S3022:

[0112] S3021. Send the first resource status query request to the operator's server.

[0113] The first resource status query request is used to obtain the resource status corresponding to each resource included in the target resource list.

[0114] S3022. Receive the first resource status response information sent by the operator's server, and determine the resource status corresponding to each resource included in the target resource list based on the first resource status response information.

[0115] Optionally, the partition unit corresponding to the resource sender needs to first determine the resource status of each resource included in the target resource list, and compare the current system time with the validity period of the resource to determine whether the resource is an expired resource. Then, the resources with the expired resource status are sent to the operator's server (i.e., the first resource status query request is sent) to further query the resource status of these resources.

[0116] Furthermore, the partition unit corresponding to the resource sender receives the resource status information returned by the operator's server, further determines the resource status of each resource included in the target resource list, and returns the resource details (i.e., the first resource status response information) corresponding to each resource to the partition unit corresponding to the resource receiver.

[0117] Optionally, the partition unit corresponding to the resource receiver updates the resource status of each resource included in the target resource list based on the resource details of each resource fed back by the partition unit corresponding to the resource sender, and determines the list of resources to be acquired.

[0118] It should be noted that for expired or non-existent resources, the partition unit corresponding to the resource recipient needs to send a request to the global unit to update the resource status in order to update the target resource list. That is, the partition unit corresponding to the resource recipient needs to send a request to the global unit to update the index status, making the global unit index invalid, so that the global unit returns the index status result to the partition unit corresponding to the resource recipient.

[0119] As can be seen from the above, the wallet backend management server needs to send a first resource status query request to the operating institution's server to obtain the resource status corresponding to each resource included in the target resource list, and determine the resource status corresponding to each resource included in the target resource list based on the received first resource status response information, thereby improving the accuracy and efficiency of determining the resource status corresponding to each resource included in the target resource list.

[0120] In some embodiments, such as Figure 5 As shown, the method of "sending a request to obtain a target resource to the operating organization server" in S203 provided in this application embodiment specifically includes the following steps S401-S402:

[0121] S401. Determine the resource status of the target resource as "resource being acquired" and send a request to the operating organization's server to acquire the target resource.

[0122] The request to obtain the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0123] As one possible implementation, if the wallet's backend management server determines that the target user's access permission has been verified, it can be determined that the target user's account can access the target resource, and the resource status corresponding to the target resource can be changed from pending resource to acquired resource.

[0124] S402. Receive the successful response information for acquiring the target resource sent by the operator's server, and update the resource status corresponding to the target resource to "acquired resource".

[0125] As one possible implementation, when the terminal device displays at least one identifier of a resource to be acquired, the user can trigger the terminal device to select the identifier corresponding to the target resource (e.g., the acquisition control corresponding to the target resource) by inputting information. In this way, the digital currency application in the terminal device can send the request to acquire the target resource to the partition unit corresponding to the resource recipient.

[0126] As one possible implementation, the partition unit corresponding to the resource recipient in the wallet backend management server verifies the acquisition permission of the target user, queries the target resource in the list of resources to be acquired, and updates the resource status of the target resource in the list of resources to be acquired to "receiving".

[0127] Optionally, the partition unit corresponding to the resource receiver also needs to call the partition unit corresponding to the resource sender to request an update of the target resource's resource status to "receiving resource". Thus, the partition unit corresponding to the resource sender updates the target resource's resource status to "receiving resource".

[0128] Optionally, the partition unit corresponding to the resource sender also needs to send a request to the operator's server to obtain the target resource through the interconnection platform. The request to obtain the target resource carries the following information: the wallet information of the resource recipient (i.e. the target user), the resource identifier, the resource quantity, etc., so that the operator's server can complete the resource conversion (i.e., complete the digital currency transfer through the credit business message).

[0129] Optionally, after the operating institution's server completes the transfer of the target resource, it is also necessary to send a successful response message for obtaining the target resource to the corresponding partition unit of the resource sender in the wallet's backend management server through the interconnection platform.

[0130] Optionally, after the partition unit corresponding to the resource sender receives the successful acquisition response information for the target resource, it can update the resource status of the target resource in the database to "acquired resource" and send the successful acquisition response information for the target resource to the partition unit corresponding to the resource receiver.

[0131] Furthermore, the partition unit corresponding to the resource recipient updates the resource status of the target resource to "acquired resource" and encapsulates the successful acquisition response information of the target resource to send the successful acquisition response information of the target resource to the digital currency application in the terminal device.

[0132] As shown above, even if the target user's access permissions are verified, the wallet's backend management server still needs to determine the resource status as "resource being acquired" and send a request to the operating organization's server to acquire the target resource. This allows the operating organization's server to complete the acquisition of the target resource, return a successful acquisition response, and update the resource status to "acquired resource." This improves the efficiency of acquiring the target resource.

[0133] In some embodiments, such as Figure 6 As shown, the resource acquisition method provided in this application embodiment may further include the following steps S403-S404:

[0134] S403. Receive the resource acquisition failure response information sent by the operator's server, and update the resource status corresponding to the target resource to the resource to be acquired.

[0135] S404. Send a response message to the terminal device indicating failure to obtain the target resource.

[0136] Optionally, when the partition unit corresponding to the resource sender sends a request to the operator's server to acquire the target resource through the interconnection platform, and carries the following information in the request: the wallet information, resource identifier, and resource quantity of the resource recipient (i.e., the target user), so that the operator's server can complete the resource conversion (i.e., complete the digital currency transfer through the credit business message), if the operator's server fails to acquire the target resource, the operator's server needs to send a resource acquisition failure response information to the partition unit corresponding to the resource sender in the wallet backend management server through the interconnection platform.

[0137] Optionally, when the operating organization's server fails to acquire the target resource, the partition unit corresponding to the resource sender also needs to update the resource status of the target resource to "resource to be acquired" and send a target resource acquisition failure response information to the partition unit corresponding to the resource receiver.

[0138] Optionally, after the partition unit corresponding to the resource recipient receives the target resource acquisition failure response information, it needs to adjust the resource status corresponding to the target resource to the resource to be claimed and send the target resource acquisition failure response information to the terminal device.

[0139] As can be seen from the above, if the operator's server fails to acquire the target resource, the operator's server needs to send a resource acquisition failure response information to the wallet backend management server and update the resource status corresponding to the target resource to the resource to be acquired. This will enable the wallet backend management server to forward the target resource acquisition failure response information to the terminal device to inform the target user that the target resource acquisition has failed.

[0140] In some embodiments, the resource acquisition method provided in this application may further include the following step S405:

[0141] S405. After sending a request to the operator's server to obtain the target resource, directly send a response message indicating that the target resource is being obtained to the terminal device.

[0142] Optionally, when the partition unit corresponding to the resource sender sends a request to the operator's server to obtain the target resource through the interconnection platform, and carries the following information in the request: the wallet information, resource identifier, and resource quantity of the resource recipient (i.e., the target user), so that the operator's server can complete the resource conversion (i.e., complete the digital currency transfer through the credit business message), the partition unit corresponding to the resource sender also needs to send a response information in the process of obtaining the target resource to the partition unit corresponding to the resource recipient, so that the partition unit corresponding to the resource recipient can forward the response information in the process of obtaining the target resource to the terminal device.

[0143] In some embodiments, such as Figure 7 As shown, the resource acquisition method provided in this application embodiment may further include the following steps S501-S504:

[0144] S501. Determine the list of resources to be acquired based on the target user account in the resource list query request.

[0145] The list of resources being acquired includes at least one resource being acquired corresponding to the target user account.

[0146] As one possible implementation, when an abnormal situation causes resource acquisition to fail, the partition unit corresponding to the resource receiver needs to locally query resources whose resource status is "requiring". When it is determined that there are resources whose resource status is "requiring", the partition unit corresponding to the resource receiver sends a request to query the resource status and update the resource status to the partition unit corresponding to the resource sender according to the resource's identifier.

[0147] S502, Send a second resource status query request to the operator's server.

[0148] The second resource status query request is used to determine the resource status of at least one resource in the resource list being acquired.

[0149] Furthermore, after receiving the request to query and update the resource status, the partition unit corresponding to the resource sender sends a request to query the resource status (i.e., the second resource status query request) to the operator's server, so that the operator's server can determine the resource status of each resource and return the second resource status response information to the partition unit corresponding to the resource sender.

[0150] S503. Receive the second resource status response information sent by the operator's server, and re-determine the resource status corresponding to at least one resource in the acquisition process based on the second resource status response information.

[0151] Optionally, after the partition unit corresponding to the resource sender in the wallet backend management server receives the second resource status response information sent by the operator's server, it needs to re-determine the resource status corresponding to at least one resource being acquired. If it is determined that at least one resource being acquired includes acquired resources (such as the second resource), then the partition unit corresponding to the resource sender updates the resource status corresponding to these acquired resources in the target resource list.

[0152] Optionally, the partition unit corresponding to the resource sender also needs to send information indicating that the resource status of the second resource is acquired to the partition unit corresponding to the resource receiver, so that the partition unit corresponding to the resource receiver updates the resource status of these resources in the target resource list to acquired resources.

[0153] S504. When, based on the second resource status response information, it is determined that there is a first resource with a resource status of pending acquisition among at least one resource being acquired, the first resource is added to the list of resources to be acquired.

[0154] Furthermore, the partition unit corresponding to the resource sender re-selects the first resource with the resource status of "to be acquired" from the target resource list, so as to redetermine the resources included in the list of resources to be acquired, and sends the redetermined list of resources to be acquired to the partition unit corresponding to the resource receiver.

[0155] Optionally, the partition unit corresponding to the resource recipient determines the receiving user identifier, resource information, resource quantity, etc., for each resource in the redefined list of resources to be acquired.

[0156] As can be seen from the above, the wallet backend management server can determine the list of resources to be acquired based on the target user account in the resource list query request, and send a second resource status query request to the operating agency server to determine the resource status corresponding to at least one resource to be acquired included in the resource list. After receiving the second resource status response information returned by the operating agency server, the server can re-determine the resource status corresponding to at least one resource to be acquired, and add the first resource with the resource status of "to be acquired" to the list of resources to be acquired.

[0157] Figure 8 This is a flowchart illustrating a resource acquisition method according to another exemplary embodiment. The following description uses an application of this method to a terminal device as an example to illustrate the method. Figure 8 As shown, the resource acquisition method includes the following steps S601-S604:

[0158] S601. Run the digital currency application logged in with the target user's account, display the resource acquisition page, and send a query request for the list of resources to be acquired to the wallet's backend management server.

[0159] The resource acquisition page displays the identifiers of multiple resources, and the resource list query request is used to query at least one resource to be acquired corresponding to the target user account.

[0160] Optionally, when a target user logs into their account through a digital currency application on a terminal device to obtain resources, the terminal device can be triggered to send a request for a list of resources to be obtained to the wallet's backend management server through the resource acquisition page. The wallet's backend management server can then determine the list of resources to be obtained corresponding to the target user's account based on the received request.

[0161] Specifically, the terminal device can send a request to the partition unit corresponding to the resource recipient in the wallet's backend management server to query the list of resources to be obtained, such as a C2C request to query the list of red envelopes to be claimed.

[0162] The specific implementation of this step can be referred to the above description of the embodiments of this application, and will not be repeated here.

[0163] S602. Receive the list of resources to be acquired sent by the wallet backend management server, and display the identifier of at least one resource to be acquired.

[0164] The list of resources to be acquired includes at least one resource corresponding to the target user account, and at least one resource to be acquired is a resource in the form of digital currency.

[0165] Optionally, after the partition unit corresponding to the resource recipient in the wallet's backend management server determines the list of resources to be acquired corresponding to the target user account, the list of resources to be acquired can be returned to the terminal device so that the terminal device displays an identifier of at least one resource to be acquired.

[0166] Optionally, after receiving the list of resources to be acquired, the terminal device can display the identifier of at least one resource in the list in the form of a pop-up window, so that the target user can select the resource to be acquired, and the target user can trigger the terminal device to acquire a certain resource through operation.

[0167] S603. In response to the target user's input of an operation to obtain the target resource, obtain the target resource and send a request to obtain the target resource to the wallet backend management server.

[0168] The target resource is a resource in the list of resources to be acquired. The request to acquire the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0169] Optionally, when the target user displays at least one identifier of a resource to be acquired in the list of resources to be acquired on the terminal device, the target user can select the identifier corresponding to the target resource from the at least one identifier of resources to be acquired, thereby triggering the terminal device to send a request to acquire the target resource to the partition unit corresponding to the resource recipient in the wallet backend management server.

[0170] S604. If the target resource is successfully acquired, receive a response message from the wallet backend management server indicating that the target resource has been successfully acquired.

[0171] Optionally, if the wallet backend management server triggers a successful acquisition of the target resource, the partition unit corresponding to the resource recipient in the wallet backend management server needs to send a successful acquisition response message to the terminal device. After receiving the successful acquisition response message, the terminal device completes the acquisition of the target resource.

[0172] It should be noted that the specific implementation method for the wallet backend management server to obtain the target resources can be referred to the above description of the embodiments of this application, and will not be repeated here.

[0173] This application provides a resource acquisition method applied to a terminal device. When the terminal device runs a digital currency application logged into with a target user's account and displays a resource acquisition page, it can send a request to the wallet backend management server to query the list of resources to be acquired based on the user's operation. This causes the wallet backend management server to return a list of resources to be acquired and display at least one identifier of a resource to be acquired. After the user operates on the identifier corresponding to the target resource among the at least one identifier of the resource to be acquired, the terminal device can respond to the target user's input operation to acquire the target resource, trigger the acquisition of the target resource, and send a request to the wallet backend management server to acquire the target resource. If the target resource is successfully acquired, the wallet backend management server returns a successful acquisition response message to the terminal device.

[0174] In some embodiments, such as Figure 9 As shown, the resource acquisition method provided in this application embodiment may further include the following step S701:

[0175] S701. If the target user's account has not activated a personal wallet, activate the personal wallet in response to the target user's input of an operation to obtain the target resource.

[0176] Optionally, after the terminal device receives the list of resources to be acquired, it also needs to determine whether the target user account has opened a personal wallet. If it is determined that the target user account has not opened a personal wallet, then when the user triggers the terminal device to acquire the target resources through operation, a personal wallet needs to be opened in the digital currency application first.

[0177] Optionally, after a terminal device opens a personal wallet in a digital currency application, it can first display the wallet identifier that has been opened. This allows the target user to select one wallet (e.g., a personal wallet) as the wallet corresponding to the target resource when the target user account has opened multiple wallets. After the target resource is successfully acquired, the amount of the target resource will be added to the selected wallet.

[0178] As can be seen from the above, after the terminal device receives the list of resources to be acquired, when the terminal device is triggered to acquire the target resource, the terminal device also needs to first determine whether the target user account has opened a personal wallet. Therefore, if the target user account has not opened a personal wallet, it needs to open a personal wallet first, and then acquire the target resource based on the personal wallet, so as to add the target resource quantity corresponding to the target resource to the personal wallet.

[0179] Figure 10 This is a flowchart illustrating a resource acquisition method according to another exemplary embodiment. The following description uses the application of this method to an operating organization's server as an example to illustrate the method. Figure 10As shown, the resource acquisition method includes the following steps S801-S804:

[0180] S801: Receive the first resource status query request sent by the wallet backend management server.

[0181] The first resource status query request is used to obtain the resource status corresponding to each resource in the target resource list. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource.

[0182] S802. Determine the resource status of each resource included in the target resource list and send the first resource status response information to the wallet backend management server.

[0183] Optionally, when the operator's server receives the first resource status query request sent by the partition unit corresponding to the resource sender, the operator's server needs to determine the resource status of each resource included in the target resource list and return the first resource status response information to the partition unit corresponding to the resource sender.

[0184] S803: Receives a request to obtain target resources from the wallet backend management server and completes the digital currency transfer based on the request.

[0185] The target resource is a resource in the list of resources to be acquired. The request to acquire the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0186] Optionally, after the operating institution's server receives a request to acquire the target resource from the partition unit corresponding to the resource sender, the operating institution's server can complete the transfer of funds for the resource credit business (i.e., complete the digital currency transfer through the credit business message) based on the target user information, target resource identifier, target resource quantity, and other information included in the request to acquire the target resource.

[0187] S804. Send a successful response message to the wallet backend management server to retrieve the target resource.

[0188] Optionally, after completing the digital currency transfer, the operating institution's server also needs to send a successful acquisition response message to the corresponding partition unit of the resource sender to inform the wallet's backend management server that the target resource has been successfully acquired.

[0189] As shown above, after receiving the first resource status query request from the wallet backend management server, the operating institution's server can determine the resource status of each resource in the target resource list and return the first resource status response information to the wallet backend management server. Furthermore, when it receives a request to acquire a target resource from the wallet backend management server, it can complete the cryptocurrency transfer based on the acquisition request and return a successful acquisition response information to the wallet backend management server. Through this method, the operating institution's server, in conjunction with the wallet backend management server, can acquire target resources, complete cryptocurrency transfers, and improve resource acquisition efficiency.

[0190] In some embodiments, such as Figure 11 As shown, the resource acquisition method provided in this application embodiment may further include the following steps S901-S902:

[0191] S901: Receive the second resource status query request sent by the wallet backend management server.

[0192] The second resource status query request is used to determine the resource status of at least one resource in the resource acquisition list, which includes at least one resource in the target user account.

[0193] Optionally, when the partition unit corresponding to the resource sender needs to query the operator's server for the resource status of at least one resource in the resource list, the partition unit corresponding to the resource sender can send a second resource status query request to the operator's server, so that the operator's server can determine the resource status of at least one resource in the resource list based on the second resource status query request.

[0194] S902, Send the second resource status response information to the wallet backend management server.

[0195] The second resource status response information is used by the wallet backend management server to re-determine the resource status corresponding to at least one resource being acquired.

[0196] Optionally, after the operating agency server determines the resource status corresponding to at least one resource in the resource acquisition list, it can return a second resource status response to the partition unit corresponding to the resource sender to indicate the resource status corresponding to at least one resource in the resource acquisition list.

[0197] In some embodiments, the resource acquisition method provided in this application may further include the following step S903:

[0198] S903, Send a resource acquisition failure response message to the wallet backend management server.

[0199] Optionally, when the operating server is unable to obtain the target resource, it can return a resource acquisition failure response to the corresponding partition unit of the resource sender to inform the wallet backend management server that the target resource acquisition has failed.

[0200] In some embodiments, the method in S803 provided in this application specifically includes the following step S8031:

[0201] S8031. Obtain the payment wallet account corresponding to the target resource identifier, and transfer the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account.

[0202] The payment wallet account is the account that sends the target resources.

[0203] Optionally, the operating institution's server can determine the payment wallet account that sends the target resource based on the target user information included in the target resource request, and transfer the target resource from the preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account based on the target resource identifier and target resource quantity included in the target resource request.

[0204] It should be noted that the target resources included in the preset sub-wallet associated with the payment wallet account are transferred from the payment wallet account to the preset sub-wallet associated with the payment wallet account when the resource sender sends the target resources.

[0205] In some embodiments, the method of "transferring digital currency corresponding to the target resource amount from a preset sub-wallet associated with a payment wallet account to a personal wallet corresponding to the target user account" in S8031 provided in this application specifically includes the following steps S1001-S1002:

[0206] S1001. Deduct the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account, and update the digital currency in the preset sub-wallet associated with the payment wallet account.

[0207] S1002. Add the digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account, and update the digital currency in the personal wallet corresponding to the target user account.

[0208] It is understandable that the operating institution corresponding to the resource sender triggers the deduction of the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the sender's payment wallet account, and the operating institution corresponding to the receiver triggers the addition of the digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account of the receiver.

[0209] Optionally, the target user account and payment wallet account can be accounts opened with the same operator or accounts opened with different operators. The aforementioned operator server can be understood as the same operator server or different operator servers.

[0210] In some embodiments, such as Figure 12 As shown in the embodiments of this application, the resource acquisition method specifically includes: a terminal device launching a digital currency application to enter a resource acquisition page, and sending a C2C resource list query request to the partition unit corresponding to the resource recipient in the wallet backend management server. The partition unit corresponding to the resource recipient then sends a C2C resource list index query request to the sharing unit in the wallet backend management server based on the user's identifier (e.g., mobile phone number), so that the sharing unit in the wallet backend management server returns a C2C resource list to the partition unit corresponding to the resource recipient. Further, the partition unit corresponding to the resource recipient concurrently routes requests to the partition unit corresponding to the resource sender in the wallet backend management server based on the identifier of each resource in the C2C resource list to query detailed information for each resource. The partition unit corresponding to the resource sender also needs to first determine the resource status of each resource, and compare the current system time with the resource's validity period. For resources that are about to expire or may have already expired, a resource status query request is sent to the operating institution's server, so that the operating institution's server returns resource status information. Therefore, the partition unit corresponding to the resource sender returns resource status information to the partition unit corresponding to the resource receiver, enabling the partition unit corresponding to the resource receiver to update the resource status of each resource. For expired or non-existent resources, it sends an update index status request to the global unit, invalidating the index. The global unit then sends the index status result to the partition unit corresponding to the resource receiver.

[0211] As one possible implementation, when an exception causes resource acquisition failure, the partition unit corresponding to the resource recipient locally queries the resource list corresponding to the resource in the acquisition process. Upon confirming the existence of a resource in acquisition, the partition unit corresponding to the resource recipient sends a request to the partition unit corresponding to the resource sender to query and update the resource status, based on the resource's identifier. This prompts the partition unit corresponding to the resource sender to send a request to the operator's server to query the resource status, enabling the operator's server to return the resource status result to the partition unit corresponding to the resource sender. Furthermore, if it is determined that a resource has already been acquired, the partition unit corresponding to the resource sender updates the resource status to "acquired" based on the resource's identifier and returns the resource status to the partition unit corresponding to the resource recipient, thus enabling the partition unit corresponding to the resource recipient to update its resource status to "acquired." Furthermore, the partition unit corresponding to the resource sender needs to filter out resources with a status of "to be acquired," update the list of resources to be acquired, and send the resource status to the partition unit corresponding to the resource receiver. This allows the partition unit corresponding to the resource receiver to write the receiving user identifier, resource information, etc., for each resource in the list of resources to be acquired, and to confirm the resource status as "to be acquired." After successful writing, the logical logic deletes the association between the receiving user identifier and the resource identifier in the global unit index table. Finally, the partition unit corresponding to the resource receiver re-determines the resources included in the list of resources to be acquired.

[0212] Furthermore, the partition unit corresponding to the resource recipient sends the list of resources to be acquired to the digital currency application on the terminal device. If resources exist, the digital currency application displays a pop-up icon indicating the resource to be acquired, allowing the user to click on the desired resource. In special cases, it's necessary to determine if a personal wallet is activated. If not, the user must activate a personal wallet within the digital currency application before clicking to acquire resources, and the wallet must be displayed, allowing the user to select one as the receiving wallet. Once the resource is acquired, the corresponding resource amount is added to that wallet. After the user confirms the receiving wallet and triggers the acquisition of the target resource, the digital currency application sends the request to the partition unit corresponding to the resource recipient. This allows the partition unit to verify permissions, query the list of resources to be acquired, change the resource status of the target resource in the list to "acquiring," and then call the partition unit corresponding to the resource sender to request an update to the target resource's status as "acquiring."

[0213] Ultimately, the partition unit corresponding to the resource sender updates the resource status of the target resource to "resource being acquired," and sends a request to acquire the target resource to the operator's server through the interconnection platform. This request informs the operator's server of the user's wallet information, resource identifier, and other details, enabling the operator's server to complete the resource credit transaction (i.e., digital currency transfer via a credit transaction message). After acquiring the target resource, the operator's server sends a successful acquisition response message to the partition unit corresponding to the resource sender through the interconnection platform. This causes the partition unit to update the resource status of the target resource in its database to "acquired." The operator's server also returns a successful acquisition response message to the partition unit corresponding to the resource receiver, causing the receiver to update the resource status of the target resource. Finally, the partition unit corresponding to the resource receiver sends the successful acquisition response message to the terminal device, informing it that the target resource has been successfully acquired.

[0214] As one possible implementation, after receiving a request to acquire a target resource, if the acquisition fails, the operating organization's server needs to send a target resource acquisition failure response message to the partition unit corresponding to the resource sender through the interconnection platform. This causes the partition unit corresponding to the resource sender to update the resource status in its database to "Pending Acquisition." The server also sends a target resource acquisition failure response message to the partition unit corresponding to the resource receiver, causing the partition unit corresponding to the resource receiver to update its resource status to "Pending Acquisition." Finally, the partition unit corresponding to the resource receiver sends the target resource acquisition failure response message to the terminal device, informing the terminal device that the target resource acquisition has failed.

[0215] The above primarily describes the solutions provided by the embodiments of this application from a methodological perspective. To achieve the above functions, the wallet backend management server, terminal device, operating institution server, or electronic device includes the corresponding hardware structure and / or software modules for executing each function. Those skilled in the art should readily recognize that, based on the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein, this application can be implemented in hardware or a combination of hardware and computer software. Whether a function is executed in hardware or by computer software driving hardware depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0216] This application embodiment can, based on the above method, exemplarily divide a wallet backend management server, terminal device, operating institution server, or electronic device into functional modules. For example, the wallet backend management server, terminal device, operating institution server, or electronic device may include various functional modules corresponding to each functional division, or two or more functions may be integrated into one processing module. The integrated module can be implemented in hardware or as a software functional module. It should be noted that the module division in this application embodiment is illustrative and only represents one logical functional division; in actual implementation, there may be other division methods.

[0217] For example, this application also provides a wallet backend management server. Figure 13 This is an exemplary embodiment illustrating a wallet backend management server. (See also...) Figure 13 The wallet backend management server 1300 includes: a receiving unit 1301, a processing unit 1302, and a sending unit 1303.

[0218] The receiving unit 1301 is used to receive a request for querying the list of resources to be acquired sent by the terminal device;

[0219] Processing unit 1302 is used to determine the list of resources to be acquired based on the target user account in the resource list query request. The list of resources to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency.

[0220] The sending unit 1303 is used to send a list of resources to be acquired to the terminal device.

[0221] The receiving unit 1301 is used to receive a request to obtain a target resource sent by the terminal device;

[0222] The processing unit 1302 is used to verify the acquisition permission of the target user, and if the acquisition permission of the target user passes the verification, it sends a request to acquire the target resource to the operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account. The target resource is a resource in the list of resources to be acquired.

[0223] The sending unit 1303 is used to send a successful response message for obtaining the target resource to the terminal device.

[0224] Optionally, the processing unit 1302 is used to determine the target resource list based on the target user account in the resource list query request. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource.

[0225] The processing unit 1302 is used to determine the resource status corresponding to each resource included in the target resource list, and to determine the resource list to be acquired based on the resource status corresponding to each resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource.

[0226] Optionally, the sending unit 1303 is used to send a first resource status query request to the operating organization server. The first resource status query request is used to obtain the resource status corresponding to each resource included in the target resource list.

[0227] The receiving unit 1301 is used to receive the first resource status response information sent by the operator's server;

[0228] The processing unit 1302 is used to determine the resource status corresponding to each resource included in the target resource list based on the first resource status response information.

[0229] Optionally, the processing unit 1302 is used to determine the resource status of the target resource as a resource being acquired if the acquisition permission of the target user is verified.

[0230] The sending unit 1303 is used to send a request to the operator's server to obtain target resources. The request to obtain target resources includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0231] The receiving unit 1301 is used to receive the target resource acquisition success response information sent by the operator's server and update the resource status corresponding to the target resource to the acquired resource.

[0232] Optionally, the receiving unit 1301 is used to receive the resource acquisition failure response information sent by the operator's server and update the resource status corresponding to the target resource to the resource to be acquired.

[0233] The sending unit 1303 is used to send a target resource acquisition failure response information to the terminal device.

[0234] Optionally, the sending unit 1303 is used to send a response message indicating that the target resource is being acquired directly to the terminal device after sending a request to the operator's server to acquire the target resource.

[0235] Optionally, the processing unit 1302 is used to determine the list of resources being acquired based on the target user account in the resource list query request, wherein the list of resources being acquired includes at least one resource being acquired corresponding to the target user account;

[0236] The sending unit 1303 is used to send a second resource status query request to the operator's server. The second resource status query request is used to determine the resource status corresponding to at least one resource in the list of resources being acquired.

[0237] The receiving unit 1301 is used to receive the second resource status response information sent by the operator's server;

[0238] Processing unit 1302 is used to re-determine the resource status corresponding to at least one resource being acquired based on the second resource status response information;

[0239] The processing unit 1302 is configured to add the first resource to the list of resources to be acquired when, based on the second resource status response information, it is re-determined that there is a first resource with a resource status of resource to be acquired among at least one resource to be acquired.

[0240] This application also provides a terminal device. Figure 14 This is a terminal device illustrated according to an exemplary embodiment. (Refer to...) Figure 14 The terminal device 1400 includes a processing unit 1401, a sending unit 1402, and a receiving unit 1403.

[0241] Processing unit 1401 is used to run a digital currency application logged in with a target user's account and display a resource acquisition page;

[0242] Sending unit 1402 is used to send a resource list query request to the wallet backend management server. The resource acquisition page displays the identifiers of multiple resources. The resource list query request is used to query at least one resource to be acquired corresponding to the target user account.

[0243] The receiving unit 1403 is used to receive the list of resources to be acquired sent by the wallet backend management server;

[0244] The processing unit 1401 is used to display the identifier of at least one resource to be acquired. The list of resources to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency.

[0245] Processing unit 1401 is configured to acquire the target resource in response to an operation input by the target user.

[0246] The sending unit 1402 is used to send a request to obtain a target resource to the wallet backend management server. The target resource is a resource in the list of resources to be obtained. The request to obtain a target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0247] The receiving unit 1403 is used to receive a response message from the wallet backend management server indicating that the target resource has been successfully acquired.

[0248] Optionally, the processing unit 1401 is used to activate a personal wallet in response to the target user's input of an operation to obtain the target resource, if the target user's account has not activated a personal wallet.

[0249] This application also provides an operating organization server. Figure 15 This is an example of an operating organization server. (See also:) Figure 15 The operating unit server 1500 includes: a receiving unit 1501, a processing unit 1502, and a sending unit 1503.

[0250] The receiving unit 1501 is used to receive a first resource status query request sent by the wallet backend management server. The first resource status query request is used to obtain the resource status corresponding to each resource included in the target resource list. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource.

[0251] Processing unit 1502 is used to determine the resource status corresponding to each resource included in the target resource list;

[0252] Sending unit 1503 is used to send the first resource status response information to the wallet backend management server;

[0253] The receiving unit 1501 is used to receive a request to obtain a target resource sent by the wallet backend management server;

[0254] Processing unit 1502 is used to complete digital currency transfer based on a request to acquire target resources. The target resource is a resource in the list of resources to be acquired. The request to acquire target resources includes at least one of the following: target user information, target resource identifier, and target resource quantity.

[0255] Sending unit 1503 is used to send a successful response message for obtaining the target resource to the wallet backend management server.

[0256] Optionally, the receiving unit 1501 is used to receive a second resource status query request sent by the wallet backend management server. The second resource status query request is used to determine the resource status corresponding to at least one resource in the resource acquisition list. The resource acquisition list includes at least one resource in the acquisition list corresponding to the target user account.

[0257] The sending unit 1503 is used to send a second resource status response information to the wallet backend management server. The second resource status response information is used by the wallet backend management server to re-determine the resource status corresponding to at least one resource being acquired.

[0258] Optionally, the sending unit 1503 is used to send a resource acquisition failure response message to the wallet backend management server.

[0259] Optionally, the processing unit 1502 is used to obtain the payment wallet account corresponding to the target resource identifier; and to transfer the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account.

[0260] Optionally, the processing unit 1502 is used to deduct the digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account, and update the digital currency in the preset sub-wallet associated with the payment wallet account.

[0261] Processing unit 1502 is used to add digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account, and update the digital currency in the personal wallet corresponding to the target user account.

[0262] Regarding the apparatus in the above embodiments, the specific manner in which each module performs its operation has been described in detail in the embodiments related to the method, and will not be elaborated upon here.

[0263] Figure 16 This is a block diagram illustrating an electronic device according to an exemplary embodiment. Figure 16 As shown, the electronic device 1600 includes, but is not limited to, a processor 1601 and a memory 1602.

[0264] The memory 1602 described above is used to store the executable instructions of the processor 1601. It is understood that the processor 1601 is configured to execute instructions to implement the resource acquisition method in the above embodiments.

[0265] It should be noted that those skilled in the art will understand that Figure 16 The electronic device structure shown does not constitute a limitation on the electronic device; the electronic device may include, but is not limited to, other electronic devices. Figure 16This may indicate more or fewer components, or combinations of certain components, or different component arrangements.

[0266] Processor 1601 is the control center of the electronic device. It connects various parts of the electronic device via various interfaces and lines. By running or executing software programs and / or modules stored in memory 1602, and by calling data stored in memory 1602, it performs various functions and processes data, thereby providing overall monitoring of the electronic device. Processor 1601 may include one or more processing units. Optionally, processor 1601 may integrate an application processor and a modem processor. The application processor mainly handles the operating system, user interface, and applications, while the modem processor mainly handles wireless communication. It is understood that the modem processor may not be integrated into processor 1601.

[0267] The memory 1602 can be used to store software programs and various data. The memory 1602 may primarily include a program storage area and a data storage area. The program storage area may store the operating system, application programs required by at least one functional module (such as a determination unit, processing unit, etc.), etc. Furthermore, the memory 1602 may include high-speed random access memory, and may also include non-volatile memory, such as at least one disk storage device, flash memory device, or other volatile solid-state storage device.

[0268] In an exemplary embodiment, a computer-readable storage medium including instructions is also provided, such as a memory 1602 including instructions, which can be executed by a processor 1601 of an electronic device 1600 to implement the resource acquisition method in the above embodiments.

[0269] In actual implementation, the processing function of the processing unit can be determined by... Figure 16 The processor 1601 calls the computer program stored in the memory 1602 to implement the process. The specific execution process can be found in the description of the resource acquisition method section of the previous embodiment, and will not be repeated here.

[0270] Optionally, the computer-readable storage medium may be a non-transitory computer-readable storage medium, such as a read-only memory (ROM), random access memory (RAM), CD-ROM, magnetic tape, floppy disk, and optical data storage device.

[0271] In an exemplary embodiment, this application also provides a computer program product including one or more instructions, which can be executed by the processor 1601 of the electronic device 1600 to complete the resource acquisition method in the above embodiments.

[0272] It should be noted that when one or more instructions in the computer-readable storage medium or computer program product are executed by the processor of the electronic device, they implement the various processes of the above-described resource acquisition method embodiments and achieve the same technical effects as the above-described resource acquisition method. To avoid repetition, they will not be described again here.

[0273] Through the above description of the embodiments, those skilled in the art can clearly understand that, for the sake of convenience and brevity, only the division of the above functional modules is used as an example. In actual applications, the above functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above.

[0274] In the several embodiments provided in this application, it should be understood that the disclosed apparatus and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another apparatus, or some features may be ignored or not executed. Furthermore, the mutual coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or units may be electrical, mechanical, or other forms.

[0275] The units described as separate components may or may not be physically separate. A component shown as a unit can be one or more physical units; that is, it can be located in one place or distributed in multiple different locations. Some or all of the classified units can be selected to achieve the purpose of this embodiment, depending on actual needs.

[0276] Furthermore, the functional units in the various embodiments of this application can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0277] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a readable storage medium. Based on this understanding, the technical solution of the embodiments of this application, essentially, or the part that contributes to the prior art, or a complete or partial classification of the technical solution, can be embodied in the form of a software product. This software product is stored in a storage medium and includes several instructions to cause a device (which may be a microcontroller, chip, etc.) or processor to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, ROM, RAM, magnetic disks, or optical disks.

[0278] The above are merely specific embodiments of this application, but the scope of protection of this application is not limited thereto. Any changes or substitutions within the technical scope disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

Claims

1. A resource acquisition method, characterized by, Applied to a wallet backend management server, the method includes: The system receives a request for a list of resources to be acquired from a terminal device, and determines a list of resources to be acquired based on the target user account in the request. The list of resources to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency. Send the list of resources to be acquired to the terminal device; The system receives a request to acquire a target resource from the terminal device, verifies the acquisition permission of the target user, and if the acquisition permission of the target user passes the verification, sends the request to acquire the target resource to the operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account. The target resource is a resource in the list of resources to be acquired. Send a successful response message for obtaining the target resource to the terminal device.

2. The resource acquisition method of claim 1, wherein, The step of determining the list of resources to be obtained based on the target user account in the query request for the list of resources to be obtained includes: A target resource list is determined based on the target user account in the resource list query request. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The resource status corresponding to each resource in the target resource list is determined, and the resource list to be acquired is determined based on the resource status corresponding to each resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, expired resource.

3. The resource acquisition method of claim 2, wherein, The step of determining the resource status corresponding to each resource included in the target resource list includes: Send a first resource status query request to the operating organization's server. The first resource status query request is used to obtain the resource status corresponding to each resource included in the target resource list. The system receives a first resource status response information sent by the operating organization's server and determines the resource status corresponding to each resource included in the target resource list based on the first resource status response information.

4. The resource acquisition method of claim 1, wherein, Sending the request to obtain the target resource to the operator's server includes: The resource status corresponding to the target resource is determined to be a resource being acquired, and the target resource acquisition request is sent to the operator's server. The target resource acquisition request includes at least one of the following: target user information, target resource identifier, and target resource quantity. Receive the successful response information for acquiring the target resource sent by the server of the operating organization, and update the resource status corresponding to the target resource to "acquired resource".

5. The resource acquisition method of claim 4, wherein, The method further includes: Receive the resource acquisition failure response information sent by the operating organization's server, and update the resource status corresponding to the target resource to the resource to be acquired; Send a target resource acquisition failure response message to the terminal device.

6. The resource acquisition method of claim 4, wherein, The method further includes: After sending the request to obtain the target resource to the operating organization's server, a response message indicating that the target resource is being obtained is sent directly to the terminal device.

7. The resource acquisition method of claim 1, wherein, The method further includes: Based on the target user account in the resource list query request, a list of resources being acquired is determined, and the list of resources being acquired includes at least one resource being acquired corresponding to the target user account. Send a second resource status query request to the operator's server. The second resource status query request is used to determine the resource status corresponding to at least one resource in the resource list being acquired. Receive the second resource status response information sent by the operating organization server, and redetermine the resource status corresponding to the at least one resource being acquired based on the second resource status response information; When, based on the second resource status response information, it is determined that there is a first resource among the at least one resources being acquired that has a resource status of "to be acquired", the first resource is added to the list of resources to be acquired.

8. A resource acquisition method characterized by comprising: Applied to a terminal device, the method includes: The application running the cryptocurrency application with the target user's account displays a resource acquisition page and sends a request to the wallet backend management server to query the list of resources to be acquired. The resource acquisition page displays the identifiers of multiple resources, and the request to query the list of resources to be acquired is used to query at least one resource to be acquired corresponding to the target user's account. Receive the list of resources to be acquired sent by the wallet backend management server, and display the identifier of at least one resource to be acquired. The list of resources to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency. In response to the target user's input of an operation to obtain a target resource, the target resource is obtained, and a request to obtain the target resource is sent to the wallet backend management server. The target resource is a resource in the list of resources to be obtained, and the request to obtain the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity. If the target resource is successfully acquired, a response message indicating successful acquisition of the target resource is received from the wallet backend management server.

9. The resource acquisition method of claim 8, wherein, The method further includes: If the target user account has not activated a personal wallet, the personal wallet is activated in response to the target user's input of an operation to obtain the target resource.

10. A resource acquisition method, characterized by, Applied to an operator's server, the method includes: The system receives a first resource status query request sent by the wallet backend management server. The first resource status query request is used to obtain the resource status corresponding to each resource in the target resource list. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource. Determine the resource status corresponding to each resource included in the target resource list, and send the first resource status response information to the wallet backend management server; The system receives a request to acquire a target resource from the wallet backend management server and completes a digital currency transfer based on the request. The target resource is a resource in the list of resources to be acquired. The request to acquire a target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity. Send a successful response message for obtaining the target resource to the wallet's backend management server.

11. The resource acquisition method of claim 10, wherein, The method further includes: The system receives a second resource status query request sent by the wallet backend management server. The second resource status query request is used to determine the resource status corresponding to at least one resource in the resource acquisition list. The resource acquisition list includes at least one resource in the acquisition list corresponding to the target user account. Send a second resource status response information to the wallet backend management server. The second resource status response information is used by the wallet backend management server to re-determine the resource status corresponding to the at least one resource being acquired.

12. The resource acquisition method according to claim 10, characterized in that, The method further includes: Send a resource acquisition failure response message to the wallet's backend management server.

13. The resource acquisition method of claim 10, wherein, The process of completing a digital currency transfer based on the request to acquire the target resource includes: Obtain the payment wallet account corresponding to the target resource identifier; Transfer digital currency corresponding to the target resource amount from the preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account.

14. The resource acquisition method of claim 13, wherein, The step of transferring digital currency corresponding to the target resource amount from a preset sub-wallet associated with the payment wallet account to the personal wallet corresponding to the target user account includes: The digital currency corresponding to the target resource amount is deducted from the preset sub-wallet associated with the payment wallet account, and the digital currency in the preset sub-wallet associated with the payment wallet account is updated. Add the digital currency corresponding to the target resource amount to the personal wallet corresponding to the target user account, and update the digital currency in the personal wallet corresponding to the target user account.

15. A resource acquisition system, characterized by, The resource acquisition system includes: a wallet backend management server, a terminal device, and an operating institution server. The resource acquisition system is capable of executing the method as described in any one of claims 1 to 7, any one of claims 8 to 9, or any one of claims 10 to 14.

16. A purse back office server, characterized by The wallet backend management server includes: a receiving unit, a processing unit, and a sending unit; The receiving unit is used to receive a request for querying the list of resources to be acquired sent by the terminal device; The processing unit is configured to determine a resource list to be acquired based on the target user account in the resource list query request, wherein the resource list to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency. The sending unit is used to send the list of resources to be acquired to the terminal device; The receiving unit is used to receive the request to obtain the target resource sent by the terminal device; The processing unit is used to verify the acquisition permission of the target user, and if the acquisition permission of the target user passes the verification, it sends the request to acquire the target resource to the operating institution server, so that the operating institution server transfers the digital currency corresponding to the target resource to the personal wallet corresponding to the target user's account. The target resource is a resource in the list of resources to be acquired. The sending unit is used to send a successful response message for obtaining the target resource to the terminal device.

17. A terminal device, comprising: The terminal device includes: a processing unit, a sending unit, and a receiving unit; The processing unit is used to run a digital currency application logged into a target user's account and display a resource acquisition page. The sending unit is used to send a resource list query request to the wallet backend management server. The resource acquisition page displays the identifiers of multiple resources. The resource list query request is used to query at least one resource to be acquired corresponding to the target user account. The receiving unit is used to receive the list of resources to be acquired sent by the wallet backend management server; The processing unit is configured to display the identifier of at least one resource to be acquired, the list of resources to be acquired includes at least one resource to be acquired corresponding to the target user account, and the at least one resource to be acquired is a resource in the form of digital currency; The processing unit is configured to acquire the target resource in response to an operation input by the target user. The sending unit is used to send a request to obtain a target resource to the wallet backend management server. The target resource is a resource in the list of resources to be obtained. The request to obtain a target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity. The receiving unit is configured to receive a response message indicating successful acquisition of the target resource from the wallet backend management server when the target resource is successfully acquired.

18. An operating agency server, characterized by The operating organization server includes: a receiving unit, a processing unit, and a sending unit; The receiving unit is configured to receive a first resource status query request sent by the wallet backend management server. The first resource status query request is used to obtain the resource status corresponding to each resource included in the target resource list. The target resource list includes multiple resources corresponding to the target user account. The multiple resources include at least one of the following: at least one resource to be acquired, at least one resource being acquired, at least one acquired resource, and at least one expired resource. The resource status is any one of the following: resource to be acquired, resource being acquired, acquired resource, or expired resource. The processing unit is used to determine the resource status corresponding to each resource included in the target resource list; The sending unit is used to send first resource status response information to the wallet backend management server; The receiving unit is used to receive the request to obtain the target resource sent by the wallet backend management server; The processing unit is configured to complete a digital currency transfer based on the request to acquire the target resource, wherein the target resource is a resource in the list of resources to be acquired, and the request to acquire the target resource includes at least one of the following: target user information, target resource identifier, and target resource quantity. The sending unit is used to send a successful response message for obtaining the target resource to the wallet backend management server.

19. An electronic device, comprising: include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the method as claimed in any one of claims 1 to 7, any one of claims 8 to 9, or any one of claims 10 to 14.

20. A computer-readable storage medium, characterized in that, When the computer-executable instructions stored in the computer-readable storage medium are executed by the processor of the electronic device, the electronic device is capable of performing the method as claimed in any one of claims 1 to 7, any one of claims 8 to 9, or any one of claims 10 to 14.

21. A computer program product, characterised in that, The computer program product includes computer instructions that, when executed on an electronic device, perform the method as claimed in any one of claims 1 to 7, any one of claims 8 to 9, or any one of claims 10 to 14.

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