A resource allocation method, device, apparatus and storage medium

Abstract

The present disclosure relates to a resource distribution method and device, equipment and storage medium, and relates to the technical field of computers, which can support the distribution of digital currency in the form of resources. The resource distribution method is applied to a wallet background management server, and includes: receiving a distribution request message sent by a payment terminal and used for requesting to send target resources to a target account; the target resources are used to indicate that the target account takes a target amount of digital currency; sending a digital currency transfer request message to an operation agency server; the digital currency transfer request message is used to request the operation agency server to transfer the target amount of digital currency from a digital currency parent wallet corresponding to the payment terminal to a digital currency child wallet associated with the digital currency parent wallet; the digital currency child wallet is used to pay the target amount of digital currency to the target account; when receiving a digital currency transfer confirmation message sent by the operation agency server, a distribution success message is sent to the payment terminal.

Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and in particular to a resource distribution method, apparatus, device and storage medium. Background Technology

[0002] Currently, to better promote the adoption of digital currencies (such as the digital yuan) in customer-to-customer (C2C) scenarios, consideration is being given to enabling users to distribute digital currencies in the form of resources (such as electronic red envelopes) to better meet the interaction needs between users on social networks. However, no solution has yet been proposed in the relevant technologies to support the distribution of digital currencies in the form of resources. Summary of the Invention

[0003] This disclosure provides a resource distribution method, apparatus, device, and storage medium that can support the distribution of digital currency in the form of resources.

[0004] The technical solution of this disclosure is as follows:

[0005] According to a first aspect of the present disclosure, a resource distribution method is provided, applied to a wallet backend management server, comprising: receiving a distribution request message sent by a payment terminal for requesting the distribution of a target resource to a target account; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes a target account and a target amount; sending a digital currency transfer request message to an operating institution server; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; and when a digital currency transfer confirmation message is received from the operating institution server, sending a distribution success message to the payment terminal.

[0006] Optionally, before receiving the distribution request message sent by the payment terminal for requesting the distribution of the target resource to the target account, the resource distribution method further includes: receiving the identifier request message sent by the payment terminal for obtaining the resource identifier of the target resource; in response to the identifier request message, generating the resource identifier based on a preset method, and sending the resource identifier to the payment terminal.

[0007] Optionally, before receiving the identifier request message sent by the payment terminal for obtaining the resource identifier of the target resource, the resource allocation method further includes: receiving the parameter request message sent by the payment terminal for obtaining preset parameter information; the preset parameter information is used to generate the target resource; in response to the parameter request message, reading the preset parameter information and sending the preset parameter information to the payment terminal.

[0008] Optionally, the target resource also includes notes; the resource distribution method further includes: receiving a verification request message sent by a payment terminal to request verification of whether there are sensitive words in the notes; responding to the verification request message, verifying the notes based on a first preset thesaurus to obtain a verification result, and sending the verification result to the payment terminal; the verification result is used to indicate whether there are sensitive words in the notes or not.

[0009] Optionally, after sending a digital currency transfer request message to the operator's server, the resource distribution method further includes: when a digital currency transfer failure message is received from the operator's server, sending a distribution failure message to the payment terminal.

[0010] Optionally, after sending a successful issuance message to the payment terminal, the resource issuance method further includes: receiving a claim request message sent by the claiming terminal corresponding to the target account; the claim request message is used to request the claim of a target amount of digital currency in the target resource; in response to the claim request message, sending a digital currency payment request message to the operating institution server, so that the operating institution server pays the target amount of digital currency to the target account from the digital currency sub-wallet.

[0011] According to a second aspect of the present disclosure, a resource distribution method is provided, applied to a payment terminal, comprising: responding to a resource distribution operation performed by a user on an interface for editing a target resource, sending a distribution request message to a wallet backend management server, such that the wallet backend management server sends a digital currency transfer request message to an operating institution server; the target resource is used to instruct a target account to receive a target amount of digital currency; the distribution request message includes a target account and a target amount; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to a digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account.

[0012] Optionally, the resource distribution method further includes: in response to a user's note editing operation on the interface, sending a verification request message to the wallet backend management server; the verification request message is used to request verification of whether the note information edited by the user on the interface contains sensitive words; receiving the verification result sent by the wallet backend management server and displaying the verification result on the interface; the verification result is used to indicate whether the note information contains sensitive words or not.

[0013] According to a third aspect of the present disclosure, a resource distribution method is provided, applied to an operating institution server, comprising: receiving a digital currency transfer request message sent by a wallet backend management server; the digital currency transfer request message is used to request a digital currency parent wallet corresponding to a payment terminal to transfer a target amount of digital currency to a digital currency sub-wallet associated with the parent wallet; the target amount of digital currency is used by the payment terminal to distribute target resources to a target account; the target resources are used to instruct the target account to receive the target amount of digital currency; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; when the transfer of the target amount of digital currency is successful, a digital currency transfer confirmation message is sent to the wallet backend management server, so that the wallet backend management server sends a distribution success message to the payment terminal.

[0014] Optionally, the resource distribution method further includes: when the transfer of the target amount of digital currency fails, sending a digital currency transfer failure message to the wallet backend management server, so that the wallet backend management server sends a distribution failure message to the payment terminal.

[0015] Optionally, after receiving the cryptocurrency transfer request message sent by the wallet backend management server, the resource distribution method further includes: when the parent cryptocurrency wallet has a child cryptocurrency wallet associated with it, transferring the target amount of cryptocurrency from the parent cryptocurrency wallet to the child cryptocurrency wallet; when the parent cryptocurrency wallet does not have a child cryptocurrency wallet associated with it, creating a child cryptocurrency wallet associated with it and transferring the target amount of cryptocurrency from the parent cryptocurrency wallet to the child cryptocurrency wallet.

[0016] Optionally, the digital currency transfer request message includes remarks associated with the target resource; the resource distribution method further includes: verifying the remarks for sensitive words based on a second preset thesaurus; when the remarks contain sensitive words, sending a remarks verification failure message to the wallet backend management server, so that the wallet backend management server sends a remarks correction request message to the payment terminal.

[0017] According to a fourth aspect of the present disclosure, a resource distribution apparatus is provided, applied to a wallet backend management server, comprising: a receiving unit and a sending unit; the receiving unit is configured to receive a distribution request message sent by a payment terminal, requesting the distribution of a target resource to a target account; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes a target account and a target amount; the sending unit is configured to send a digital currency transfer request message to an operating institution server; the digital currency transfer request message is used to request the operating institution server to transfer a target amount of digital currency from a digital currency parent wallet corresponding to the payment terminal to a digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; the sending unit is further configured to send a distribution success message to the payment terminal when it receives a digital currency transfer confirmation message sent by the operating institution server.

[0018] Optionally, the receiving unit is further configured to receive an identifier request message sent by the payment terminal for obtaining a resource identifier of the target resource; the sending unit is further configured to generate a resource identifier based on a preset method in response to the identifier request message, and send the resource identifier to the payment terminal.

[0019] Optionally, the receiving unit is further configured to receive a parameter request message sent by the payment terminal for obtaining preset parameter information; the preset parameter information is used to generate target resources; the sending unit is further configured to respond to the parameter request message, read the preset parameter information, and send the preset parameter information to the payment terminal.

[0020] Optionally, the target resource also includes remark information; the receiving unit is further configured to receive a verification request message sent by the payment terminal requesting verification of whether the remark information contains sensitive words; the sending unit is further configured to respond to the verification request message, verify the remark information based on a first preset word library to obtain a verification result, and send the verification result to the payment terminal; the verification result is used to indicate whether the remark information contains sensitive words or not.

[0021] Optionally, the sending unit is also configured to send a disbursement failure message to the payment terminal when it receives a digital currency transfer failure message from the operator's server.

[0022] Optionally, the receiving unit is further configured to receive a claim request message sent by the claiming terminal corresponding to the target account; the claim request message is used to request the claim of a target amount of digital currency in the target resource; the sending unit is further configured to respond to the claim request message by sending a digital currency payment request message to the operating institution server, so that the operating institution server pays the target amount of digital currency to the target account from the digital currency sub-wallet.

[0023] According to a fifth aspect of the present disclosure, a resource distribution apparatus is provided, applied to a payment terminal, comprising: a sending unit; the sending unit being configured to, in response to a resource distribution operation performed by a user on an interface for editing a target resource, send a distribution request message to a wallet backend management server, such that the wallet backend management server sends a digital currency transfer request message to an operating institution server; the target resource is used to instruct a target account to receive a target amount of digital currency; the distribution request message includes a target account and a target amount; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to a digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account.

[0024] Optionally, the resource distribution device further includes: a receiving unit; a sending unit, further configured to send a verification request message to the wallet backend management server in response to the user's note editing operation on the interface; the verification request message is used to request verification of whether the note information edited by the user on the interface contains sensitive words; the receiving unit is further configured to receive the verification result sent by the wallet backend management server and display the verification result on the interface; the verification result is used to indicate whether the note information contains sensitive words or not.

[0025] According to a sixth aspect of the present disclosure, a resource distribution apparatus is provided, applied to an operating institution server, comprising: a receiving unit and a sending unit; the receiving unit is configured to receive a digital currency transfer request message sent by a wallet backend management server; the digital currency transfer request message is used to request a transfer of a target amount of digital currency from a digital currency parent wallet corresponding to a payment terminal to a digital currency sub-wallet associated with the parent wallet; the target amount of digital currency is used by the payment terminal to distribute target resources to a target account; the target resources are used to instruct the target account to receive the target amount of digital currency; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; the sending unit is configured to send a digital currency transfer confirmation message to the wallet backend management server when the transfer of the target amount of digital currency is successful, so that the wallet backend management server sends a distribution success message to the payment terminal.

[0026] Optionally, the sending unit is also configured to send a digital currency transfer failure message to the wallet backend management server when the transfer of the target amount of digital currency fails, so that the wallet backend management server sends a disbursement failure message to the payment terminal.

[0027] Optionally, the resource distribution device further includes: a processing unit; the processing unit is configured to transfer a target amount of digital currency from the digital currency parent wallet to the digital currency child wallet when the digital currency parent wallet has a digital currency child wallet associated with the digital currency parent wallet; the processing unit is further configured to create a digital currency child wallet associated with the digital currency parent wallet and transfer a target amount of digital currency from the digital currency parent wallet to the digital currency child wallet when the digital currency parent wallet does not have a digital currency child wallet associated with the digital currency parent wallet.

[0028] Optionally, the digital currency transfer request message includes remark information associated with the target resource; the resource distribution device further includes: a verification unit; the verification unit is used to perform sensitive word verification on the remark information based on a second preset thesaurus; the sending unit is also used to send a remark verification failure message to the wallet backend management server when the remark information contains sensitive words, so that the wallet backend management server sends a remark correction request message to the payment terminal.

[0029] According to a seventh aspect of the present disclosure, a resource distribution system is provided, comprising: a wallet backend management server, a payment terminal, and an operating institution server; the wallet backend management server is configured to execute a resource distribution method as selected in any of the first aspects; the payment terminal is configured to execute a resource distribution method as selected in any of the second aspects; and the operating institution server is configured to execute a resource distribution method as selected in any of the third aspects.

[0030] According to an eighth aspect of the present disclosure, a wallet backend management server is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute instructions to implement a resource distribution method as optional in any of the first aspects.

[0031] According to a ninth aspect of the present disclosure, a terminal is provided, comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute instructions to implement any of the optional resource allocation methods in the second aspect.

[0032] According to a tenth aspect of the present disclosure, an operator server is provided, comprising: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute instructions to implement a resource allocation method as optional in any of the third aspects.

[0033] According to an eleventh aspect of the present disclosure, a computer-readable storage medium is provided, which stores instructions that, when executed by a processor of a wallet backend management server, enable the wallet backend management server to perform any of the optional resource distribution methods in the first aspect; or, when executed by a processor of a terminal, enable the terminal to perform any of the optional resource distribution methods in the second aspect; or, when executed by a processor of an operator server, enable the operator server to perform any of the optional resource distribution methods in the third aspect.

[0034] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure.

[0035] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects:

[0036] Based on any of the above aspects, in the resource distribution method provided in this disclosure, the wallet backend management server can, after receiving a distribution request message from the payment terminal requesting the distribution of target resources to the target account, send a digital currency transfer request message to the operating institution server, and upon receiving a digital currency transfer confirmation message from the operating institution server, send a distribution success message to the payment terminal. The digital currency transfer request message requests the operating institution server to transfer a target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to a digital currency sub-wallet associated with the parent wallet. Since the target resource is used to instruct the target account to receive the target amount of digital currency, and the digital currency sub-wallet is used to pay the target account the target amount of digital currency, this disclosure can, through the interaction between the wallet backend management server and the operating institution server, fix the digital currency distributed by the payment terminal to the target account in the digital currency sub-wallet associated with the parent wallet corresponding to the payment terminal, thereby supporting the notification of the target account to receive the target amount of digital currency in the form of target resources. Therefore, this disclosure can support the distribution of digital currency in the form of resources. Attached Figure Description

[0037] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

[0038] Figure 1 A schematic diagram of the structure of a resource allocation system provided in an embodiment of this disclosure is shown;

[0039] Figure 2A schematic diagram of the structure of a payment terminal provided in an embodiment of this disclosure is shown;

[0040] Figure 3 A flowchart illustrating a resource allocation method provided in an embodiment of this disclosure is shown.

[0041] Figure 4 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0042] Figure 5 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0043] Figure 6 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0044] Figure 7 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0045] Figure 8 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0046] Figure 9 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0047] Figure 10 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0048] Figure 11 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0049] Figure 12 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0050] Figure 13 A flowchart illustrating yet another resource allocation method provided in an embodiment of this disclosure is shown;

[0051] Figure 14 A schematic diagram of the structure of a resource distribution device provided in an embodiment of this disclosure is shown;

[0052] Figure 15 A schematic diagram of the structure of another resource distribution device provided in an embodiment of this disclosure is shown;

[0053] Figure 16 A schematic diagram of the structure of another resource distribution device provided in an embodiment of this disclosure is shown;

[0054] Figure 17A schematic diagram of the structure of another terminal provided in an embodiment of this disclosure is shown;

[0055] Figure 18 A schematic diagram of the structure of a server provided in an embodiment of this disclosure is shown. Detailed Implementation

[0056] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

[0057] It should be noted that the terms "first," "second," etc., used in the specification, claims, and accompanying drawings of this disclosure 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 disclosure 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 disclosure. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this disclosure as detailed in the appended claims.

[0058] It should also be understood that the term "comprising" indicates the presence of the described feature, whole, step, operation, element and / or component, but does not exclude the presence or addition of one or more other features, wholes, steps, operations, elements and / or components.

[0059] The data disclosed herein may be data authorized by the user or fully authorized by all parties.

[0060] Currently, to better promote the adoption of digital currencies (such as the digital yuan) in customer-to-customer (C2C) scenarios, consideration is being given to enabling users to distribute digital currencies in the form of resources (such as electronic red envelopes) to better meet the interaction needs between users on social networks. However, no solution has yet been proposed in the relevant technologies to support the distribution of digital currencies in the form of resources.

[0061] Based on this, to enrich the application functions of digital currency in C2C transaction scenarios, this disclosure provides a resource distribution method. After receiving a distribution request message from a payment terminal requesting the distribution of target resources to a target account, the wallet backend management server can send a digital currency transfer request message to the operating institution server, and upon receiving a digital currency transfer confirmation message from the operating institution server, send a distribution success message to the payment terminal. The digital currency transfer request message requests the operating institution server to transfer a target amount of digital currency from the parent digital currency wallet corresponding to the payment terminal to a digital currency sub-wallet associated with the parent wallet. Since the target resource instructs the target account to receive the target amount of digital currency, and the digital currency sub-wallet is used to pay the target account the target amount of digital currency, this disclosure can, through the interaction between the wallet backend management server and the operating institution server, fix the digital currency distributed by the payment terminal to the target account in the digital currency sub-wallet associated with the parent digital currency wallet corresponding to the payment terminal. This allows for notifying the target account to receive the target amount of digital currency in the form of target resources. Therefore, this disclosure can support the distribution of digital currency in the form of resources.

[0062] Figure 1 This is a schematic diagram of a resource allocation system provided in an embodiment of the present disclosure, such as... Figure 1 As shown, the resource distribution system 100 may include: a wallet management backend server 101, a payment terminal 102, and an operating institution server 103. The wallet management backend server 101 can establish a connection with the payment terminal 102 via a wired or wireless network, and can also establish a connection with the operating institution server 103 via a wired or wireless network.

[0063] Figure 1 The wallet management backend server 101 can be configured with data and services split according to specific dimensions (such as users, wallets, etc.) to support the business being split into multiple sub-businesses for distributed processing. For example, the wallet management backend server 101 can be configured with resource files containing preset parameter information, preset methods, etc. Furthermore, the wallet management backend server 101 can be a server for an application (APP) that supports transactions of digital currencies (such as digital RMB).

[0064] In one possible way, Figure 1 The wallet management backend server 101 can also be configured with applications that are not split according to specific dimensions (such as users, wallets, etc.) to provide indivisible data and services.

[0065] In one possible way, Figure 1The wallet management backend server 101 can also be configured with or connected to a database. The database can be used to back up various data stored in the wallet management backend server 101, and in principle, it does not create new data. For example, the correspondence between target accounts and target resources. When the database is an external device connected to the wallet management backend server 101, it can be a distributed database deployed in various locations, which can be used to solve the problem of excessively high latency in remote communication. Figure 1 The payment terminal 102 can be configured with an APP client to support transactions using digital currencies (such as digital RMB).

[0066] Optionally, the payment terminal 102 can be a mobile phone, tablet computer, desktop computer, laptop computer, handheld computer, notebook computer, ultra-mobile personal computer (UMPC), netbook, as well as cellular phone, personal digital assistant (PDA), augmented reality (AR) / virtual reality (VR) device, or any other device capable of installing and using an app. Furthermore, the payment terminal 102 can interact with the user through one or more methods, such as a keyboard, touchpad, touchscreen, remote control, voice interaction, or handwriting recognition. This disclosure does not impose any special limitations on the specific form of the payment terminal 102.

[0067] Figure 1 Server 103 belongs to the operating institution. The operating institution is a commercial bank responsible for providing services such as digital currency (e.g., digital RMB) exchange to the public.

[0068] In one possible manner, this disclosure Figure 1 The servers involved (i.e., wallet management backend server 101 and operating institution server 103) can be a single server or a server cluster consisting of multiple servers. In some embodiments, the server cluster can also be a distributed cluster. This disclosure does not limit the specific implementation method of the servers.

[0069] Optionally, the above Figure 1 In the resource distribution system shown, the wallet management backend server 101 can be connected to at least one payment terminal 102 or at least one operating institution server 103. This disclosure does not limit the number or type of payment terminals 102 and operating institution servers 103.

[0070] Combination Figure 1 ,like Figure 2The diagram shown is a structural schematic of a payment terminal 102 provided in an embodiment of this disclosure. The payment terminal 102 may be configured with an input module 21, a communication module 22, and a display module 23. The input module 21 may be a computer external input device such as a mouse and keyboard, or a touchscreen, primarily used to support user operations such as clicking. The communication module 22 may be any transceiver-like device, used for communication between the payment terminal 102 and other devices (e.g., a wallet management backend server 101) or a communication network. The display module 23 may be a liquid crystal display screen or similar device, used to display resource editing interfaces, etc.

[0071] The resource distribution method provided in the embodiments of this disclosure will be described in detail below with reference to the accompanying drawings.

[0072] like Figure 3 As shown, when the resource allocation method is applied... Figure 1 When the wallet management backend server is shown, the resource distribution method may include: S301-S303.

[0073] S301, The wallet management backend server receives a request message from the payment terminal requesting the distribution of target resources to the target account.

[0074] The target resource is used to instruct the target account to receive a target amount of cryptocurrency. The distribution request message includes the target account and the target amount.

[0075] In one possible approach, combining Figure 2 When a user needs to distribute a target amount of digital currency to a target account in the form of a target resource (such as an electronic red envelope), the user can perform an editing operation through the input module configured on the payment terminal to edit and generate the relevant information required for the target resource. This includes information such as the target account and the target quantity. Correspondingly, the payment terminal can receive the relevant information input by the user and display it in the configured display module.

[0076] Next, after completing the editing, the user can perform a resource allocation operation through the input module configured on the payment terminal (e.g., by clicking the confirmation button with the mouse) to confirm sending the target resource to the target account. In response to this resource allocation operation, the payment terminal can send an allocation request message to the wallet management backend server. Accordingly, the wallet management backend server can receive the allocation request message from the payment terminal, parse the allocation request message, determine the need to generate the target resource, and then send the target resource to the target account.

[0077] In one possible approach, there can be one or more target accounts. This disclosure does not limit this. It should be understood that when there are multiple target accounts, there can also be multiple targets, and the multiple targets and multiple target accounts can correspond one-to-one.

[0078] Optionally, the issuance request message may also carry user-edited payment verification information. This payment verification information may include account information and key information used to pay the target amount of digital currency.

[0079] S302, The wallet management backend server sends a digital currency transfer request message to the operating institution's server.

[0080] Specifically, the cryptocurrency transfer request message is used to request the operating institution's server to transfer a target amount of cryptocurrency from the parent cryptocurrency wallet corresponding to the payment terminal to a sub-cryptocurrency wallet associated with the parent wallet. The sub-wallet is then used to pay the target amount of cryptocurrency to the target account. Furthermore, the cryptocurrency transfer request message may carry account information from the parent cryptocurrency wallet corresponding to the payment terminal.

[0081] In one possible approach, both the parent digital currency wallet and the associated sub-wallets can serve as carriers of the digital currency, acting as a medium for its circulation. Users can activate their accounts through a digital currency app by selecting a legitimate operating institution.

[0082] It should be noted that users distributing target resources (i.e., those distributing electronic red envelopes) typically possess multiple parent digital currency wallets issued by various operating institutions. These parent wallets usually have different characteristics. Therefore, the corresponding operating institution can be determined based on the characteristics of the parent digital currency wallet. Furthermore, these operating institutions often run independent servers to provide users with services such as digital currency (e.g., digital RMB) exchange. Thus, staff can pre-configure the mapping between multiple operating institutions and their servers in the wallet management backend server.

[0083] In one possible approach, the digital currency in the sub-wallets associated with the parent digital currency wallet is digital currency authorized by the user for use in specific business transactions (such as the distribution of target resources). Furthermore, users typically do not need to be aware of the sub-wallets associated with the parent digital currency wallet. That is, the wallet management backend server can manage the sub-wallets associated with the parent digital currency wallet independently. Based on this, after obtaining prior user authorization, the wallet management backend server can automatically transfer digital currency from the sub-wallets associated with the parent digital currency wallet in specific business payment scenarios, thereby improving the convenience of payments for specific businesses and enhancing the user experience.

[0084] In one possible approach, after receiving a distribution request message from a payment terminal, the wallet management backend server can parse the distribution request message to obtain information such as the target account and target quantity, and determine the account information of the digital currency parent wallet corresponding to the payment terminal.

[0085] Next, after identifying the operating institution of the parent digital currency wallet corresponding to the payment terminal, the wallet management backend server sends a digital currency transfer request message to the operating institution's server. Correspondingly, the operating institution's server receives the digital currency transfer request message from the wallet management backend server and parses it to determine information such as the target account, target quantity, and the parent digital currency wallet corresponding to the payment terminal. Then, in response to the digital currency transfer request message, the operating institution's server can transfer the target quantity of digital currency from the parent digital currency wallet corresponding to the payment terminal to the associated sub-wallet.

[0086] In one possible approach, the operator's server can freeze a target amount of digital currency in a sub-wallet associated with the parent digital currency wallet, thereby restricting that target amount of digital currency to be used only for payments to the target account.

[0087] In one possible approach, the digital currency transfer request message can be encapsulated using the digital currency electronic payment (DCEP) request message format.

[0088] In one possible approach, upon receiving a cryptocurrency transfer request message, the operator's server can first determine whether the parent cryptocurrency wallet corresponding to the payment terminal has already activated a sub-cryptocurrency wallet. If the parent cryptocurrency wallet corresponding to the payment terminal has not activated a sub-cryptocurrency wallet, the operator's server can silently activate a sub-cryptocurrency wallet associated with the parent cryptocurrency wallet without the user's knowledge.

[0089] S303. When a digital currency transfer confirmation message is received from the operator's server, the wallet management backend server sends a successful issuance message to the payment terminal.

[0090] In one possible implementation, upon receiving a digital currency transfer confirmation message from the operating institution's server, it indicates that the target amount of digital currency can be issued to the target account. At this point, the wallet management backend server can send a successful issuance message to the payment terminal, allowing the user to be aware of the issuance status of the target resources.

[0091] In one embodiment, combined with Figure 3Before S301 mentioned above, that is, before the wallet management backend server receives the payment terminal's request message for sending the target resource to the target account, such as Figure 4 As shown, the resource distribution method provided in this disclosure also includes: S401-S402.

[0092] S401, The wallet management backend server receives an identifier request message sent by the payment terminal to obtain the resource identifier of the target resource.

[0093] In practical applications, users can issue multiple resources, including the target resource, to a target account through a payment terminal, or issue multiple resources to multiple accounts separately. Therefore, to ensure that the wallet management backend server can accurately map multiple resources to multiple accounts, a unique resource identifier is assigned to each resource.

[0094] In one possible implementation, after the user completes editing the target resource through the input module configured on the payment terminal, the payment terminal can send an identifier request message to the wallet management backend server to obtain the resource identifier of the target resource before sending the issuance request message to the wallet management backend server. Correspondingly, the wallet management backend server can receive the identifier request message sent by the payment terminal.

[0095] S402. The wallet management backend server responds to the identifier request message, generates a resource identifier based on a preset method, and sends the resource identifier to the payment terminal.

[0096] In one possible implementation, upon receiving an identifier request message from the payment terminal, the wallet management backend server can respond to the identifier request message by generating a resource identifier for the target resource based on a preset method and sending the resource identifier of the target resource to the payment terminal. Correspondingly, the payment terminal can receive the resource identifier of the target resource sent by the wallet management backend server.

[0097] It should be noted that after receiving the resource identifier of the target resource from the wallet management backend server, the payment terminal can also include the resource identifier in the issuance request message. In this case, when the wallet management backend server receives the issuance request message containing the resource identifier of the target resource from the payment terminal, it can establish a correspondence between the resource identifier of the target resource and the target account.

[0098] In one possible approach, if the wallet management backend server is configured with a corresponding backup server, in order to facilitate verification when the target account receives the target resource and improve transaction security, the wallet management backend server can also send the resource identifier of the target resource and the correspondence between the target account to the backup server, so that the backup server stores the resource identifier of the target resource and the correspondence between the target account.

[0099] Optionally, staff can pre-configure a preset method for generating unique resource identifiers in the wallet management backend server. For example, the preset method could be a globally unique identifier (GUID) generation algorithm. This disclosure does not limit this.

[0100] In one embodiment, combined with Figure 4 Before S401 mentioned above, that is, before the wallet management backend server receives the identifier request message sent by the payment terminal to obtain the resource identifier of the target resource, such as Figure 5 As shown, the resource distribution method provided in this disclosure also includes: S501-S502.

[0101] S501, The wallet management backend server receives a parameter request message sent by the payment terminal to obtain preset parameter information.

[0102] The preset parameter information is used to generate the target resource.

[0103] In one possible approach, combining Figure 2 To edit a target resource, the user can click to open the target resource editing interface via the input module configured on the payment terminal. In response to this click, the payment terminal can send a parameter request message to the wallet management backend server to retrieve preset parameter information. Correspondingly, the wallet management backend server can receive the parameter request message from the payment terminal.

[0104] In one possible approach, the preset parameter information may include multiple image elements used to render the cover of the target resource, or it may include thresholds for the amount of digital currency issued. This disclosure does not limit this.

[0105] S502: The wallet management backend server responds to the parameter request message, reads the preset parameter information, and sends the preset parameter information to the payment terminal.

[0106] In one possible approach, staff can pre-set preset parameter information in the wallet management backend server.

[0107] Based on this, after receiving a parameter request message from a payment terminal, the wallet management backend server can respond to the parameter request message, read the preset parameter information, and send the preset parameter information to the payment terminal. Correspondingly, the payment terminal can receive the preset parameter information from the wallet management backend server.

[0108] In one embodiment, such as Figure 6As shown, the resource distribution method provided in this disclosure also includes: S601-S602.

[0109] S601, The wallet management backend server receives a verification request message sent by the payment terminal to verify whether there are sensitive words in the remarks information.

[0110] It should be noted that the target resource may also include remarks. The remarks can be a text that explains the purpose of the target resource (e.g., Happy Birthday and Happy New Year).

[0111] In one possible approach, to ensure the legitimacy of the notes, when a user edits the notes, the payment terminal can send a verification request message carrying the notes to the wallet management backend server in real time to verify whether the notes contain sensitive words. Correspondingly, the wallet management backend server can receive the verification request message from the payment terminal.

[0112] S602. The wallet management backend server responds to the verification request message, verifies the remarks information based on the first preset thesaurus to obtain the verification result, and sends the verification result to the payment terminal.

[0113] The verification result indicates whether the remarks contain sensitive words or not.

[0114] In one possible implementation, upon receiving a verification request message from a payment terminal, the wallet management backend server can respond by splitting the memo information into multiple first phrases to be verified, and verifying the presence of sensitive words in these phrases based on a first preset thesaurus, thereby obtaining a verification result. The wallet management backend server can then send the verification result to the payment terminal. Correspondingly, the payment terminal can receive the verification result from the wallet management backend server.

[0115] In one possible approach, the payment terminal can display the verification result through a configured display module to remind the user whether the remarks contain sensitive words or not. It should be understood that when sensitive words are present in the remarks, the payment terminal can restrict the generation of the target resource, allowing the user to make modifications.

[0116] Optionally, staff can pre-set a first preset vocabulary in the wallet management backend server.

[0117] In one embodiment, after S302 above, that is, after the wallet management backend server sends the digital currency transfer request message to the operating institution server, such as Figure 7 As shown, the resource distribution method provided in this disclosure also includes: S701.

[0118] S701. When a digital currency transfer failure message is received from the operator's server, the wallet management backend server sends a disbursement failure message to the payment terminal.

[0119] In one possible scenario, if the parent digital currency wallet corresponding to the payment terminal is unable to support the transfer of the target amount of digital currency to the sub-wallet due to payment restrictions or insufficient digital currency quantity, the operating institution's server will be unable to successfully complete the transfer. The operating institution's server can send a digital currency transfer failure message to the wallet management backend server. Correspondingly, the wallet management backend server can receive the digital currency transfer failure message from the operating institution's server and send a disbursement failure message to the payment terminal, indicating that it cannot disburse the target amount of digital currency to the target account. The payment terminal can also receive the disbursement failure message from the wallet management backend server.

[0120] In one embodiment, after the wallet management backend server sends a successful disbursement message to the payment terminal, such as Figure 8 As shown, the resource distribution method provided in this disclosure also includes: S801-S802.

[0121] S801, the wallet management backend server receives the claim request message sent by the claiming terminal corresponding to the target account.

[0122] The claim request message is used to request the claim of a target amount of digital currency from the target resource.

[0123] In one possible implementation, the wallet management backend server, upon receiving a digital currency transfer confirmation message from the operating institution's server, distributes the target resources to the receiving terminal corresponding to the target account. The receiving terminal can then receive the target resources. Subsequently, the user of the target account can perform a resource receiving operation through the receiving terminal. In response to this resource receiving operation, the receiving terminal can send a receiving request message to the wallet management backend server. The wallet management backend server can then receive the receiving request message from the receiving terminal.

[0124] In one possible approach, the wallet management backend server distributes the target resources to the receiving terminal corresponding to the target account by sending a short message carrying the target resources to the mobile phone number corresponding to the receiving terminal.

[0125] In one possible approach, the target resource can be associated with a target hyperlink. This hyperlink can link to a claiming interface displaying information such as the target amount of cryptocurrency and a corresponding claim button. Based on this, when the target resource is clicked, the claiming terminal can open the target hyperlink. Furthermore, when the claim button is clicked, the claiming terminal can send a claim request message to the wallet management backend server.

[0126] S802. In response to the claim request message, the wallet management backend server sends a digital currency payment request message to the operating institution server, so that the operating institution server can pay the target amount of digital currency from the digital currency sub-wallet to the target account.

[0127] In one possible implementation, the wallet management backend server can respond to a claim request message by sending a cryptocurrency payment request message to the operating institution server. Correspondingly, the operating institution server can receive the cryptocurrency payment request message from the wallet management backend server and parse it to determine the target account. Then, the operating institution server can use a cryptocurrency sub-wallet to pay the target amount of cryptocurrency to the target account.

[0128] When resource allocation methods are applied Figure 1 When the payment terminal shown is used, the resource allocation method may include: S901.

[0129] S901, In response to the resource distribution operation performed by the user on the interface used to edit the target resource, the payment terminal sends a distribution request message to the wallet management backend server, so that the wallet management backend server sends a digital currency transfer request message to the operating institution server.

[0130] The target resource is used to instruct the target account to receive the target amount of digital currency. The issuance request message includes the target account and the target amount. The digital currency transfer request message is used to request the operating institution's server to transfer the target amount of digital currency from the parent digital currency wallet corresponding to the payment terminal to the sub-digital currency wallet associated with the parent digital currency wallet. The sub-digital currency wallet is used to pay the target amount of digital currency to the target account.

[0131] In one possible approach, combining Figure 2When a user needs to distribute a target amount of digital currency to a target account in the form of a target resource (such as an electronic red envelope), the user can edit the relevant information needed to generate the target resource through the input module configured on the payment terminal. This includes information such as the target account and the target quantity. The payment terminal receives the user's input and displays it in the configured display module. After editing, the user can then perform a resource distribution operation (e.g., clicking the confirmation button) through the input module to confirm sending the target resource to the target account. In response to this distribution operation, the payment terminal sends a distribution request message to the wallet management backend server. The wallet management backend server receives the distribution request message from the payment terminal, parses it to determine the required target resource, and then sends the target resource to the receiving terminal corresponding to the target account.

[0132] Next, when generating the target resource, the wallet management backend server can send a digital currency transfer request message to the operating institution's server. Correspondingly, the operating institution's server can receive the digital currency transfer request message from the wallet management backend server, and the parent digital currency wallet corresponding to the payment terminal will transfer the target amount of digital currency to the digital currency sub-wallet associated with the parent digital currency wallet.

[0133] In one embodiment, such as Figure 9 As shown, the resource distribution method provided in this disclosure also includes: S1001-S1002.

[0134] S1001. In response to the user's note editing operation on the interface, the payment terminal sends a verification request message to the wallet management backend server.

[0135] Among them, the verification request message can be used to request verification of whether the notes edited by the user in the interface contain sensitive words.

[0136] It should be noted that the target resource may also include remarks. The remarks can be a text that explains the purpose of the target resource (e.g., Happy Birthday and Happy New Year).

[0137] In one possible implementation, to ensure the legitimacy of the notes, when a user performs a notes editing operation on the interface used to edit the target resource, the payment terminal can send a verification request message carrying the notes to the wallet management backend server in real time to verify whether the notes contain sensitive words. Correspondingly, the wallet management backend server can receive the verification request message from the payment terminal. Then, in response to the verification request message, the wallet management backend server can verify the notes based on a first preset thesaurus to obtain a verification result, and send the verification result to the payment terminal. The verification result indicates whether the notes contain sensitive words or not.

[0138] S1002. The payment terminal receives the verification result sent by the wallet management backend server and displays the verification result on the interface.

[0139] In one possible implementation, the payment terminal can receive the verification result from the wallet management backend server and display the verification result on the interface used to edit the target resource through the configured display module, so as to remind the user whether the remarks contain sensitive words or not.

[0140] In one possible approach, when sensitive words are present in the remarks information, the payment terminal can restrict the generation of target resources to ensure that users can modify the remarks information.

[0141] like Figure 10 As shown, when the resource allocation method is applied... Figure 1 When the operating organization server is shown, the resource allocation method may include: S1101-S1102.

[0142] S1101, The operating institution's server receives a digital currency transfer request message sent by the wallet's backend management server.

[0143] The digital currency transfer request message is used to request the transfer of a target amount of digital currency from the parent digital currency wallet corresponding to the payment terminal to a sub-digital currency wallet associated with the parent wallet. The target amount of digital currency is used by the payment terminal to issue target resources to the target account. The target resources are used to instruct the target account to receive the target amount of digital currency. The sub-digital currency wallet is used to pay the target amount of digital currency to the target account.

[0144] In one possible implementation, after receiving a cryptocurrency transfer request message from the wallet's backend management server, the operating institution's server can respond to the message by identifying the parent cryptocurrency wallet corresponding to the payment terminal, and the associated sub-wallets. Then, the operating institution's server can transfer the target amount of cryptocurrency from the parent wallet to the associated sub-wallet, facilitating subsequent payment of the target amount to the target account.

[0145] S1102. When the target amount of digital currency is successfully transferred, the operating institution server sends a digital currency transfer confirmation message to the wallet backend management server, so that the wallet backend management server sends a successful issuance message to the payment terminal.

[0146] In one possible implementation, if the operating institution's server successfully transfers the target amount of digital currency from the parent digital currency wallet corresponding to the payment terminal to the associated sub-digital currency wallet, the operating institution's server can send a digital currency transfer confirmation message to the wallet's backend management server. Correspondingly, the wallet's backend management server can receive the digital currency transfer confirmation message from the operating institution's server and send a distribution success message to the payment terminal, allowing the user to understand the distribution status of the target resource through the payment terminal.

[0147] In one embodiment, combined with Figure 10 ,like Figure 11 As shown, the resource distribution method provided in this disclosure also includes: S1201.

[0148] S1201. When the transfer of the target amount of digital currency fails, the operating institution server sends a digital currency transfer failure message to the wallet backend management server, so that the wallet backend management server sends a disbursement failure message to the payment terminal.

[0149] Among them, the failure to issue message can be used to indicate that the target amount of digital currency cannot be paid.

[0150] In one possible implementation, if the parent digital currency wallet corresponding to the payment terminal is unable to support the transfer of the target amount of digital currency to the sub-wallet due to payment restrictions or insufficient digital currency quantity, the operating institution's server will be unable to successfully complete the transfer of the target amount of digital currency. In this case, the operating institution's server can send a digital currency transfer failure message to the wallet management backend server. Correspondingly, the wallet management backend server can receive the digital currency transfer failure message from the operating institution's server and send a disbursement failure message to the payment terminal, indicating that it cannot disburse the target amount of digital currency to the target account. The payment terminal can also receive the disbursement failure message from the wallet management backend server.

[0151] In one possible approach, if the operator's server fails to respond or responds abnormally due to equipment failure or other reasons, a message indicating that digital currency is pending transfer can be sent to the wallet management backend server.

[0152] In one embodiment, after the operating institution server receives the digital currency transfer request message sent by the wallet backend management server, the resource distribution method provided in this disclosure further includes: S1301-S1302.

[0153] S1301. When the parent digital currency wallet has a child digital currency wallet associated with it, the operating institution's server will transfer the target amount of digital currency from the parent digital currency wallet to the child digital currency wallet.

[0154] In one possible implementation, after receiving a digital currency transfer request message from the wallet's backend management server, the operating institution's server can first determine whether the digital currency parent wallet corresponding to the payment terminal has an associated digital currency sub-wallet. If the digital currency parent wallet corresponding to the payment terminal has an associated digital currency sub-wallet, the operating institution's server can transfer the target amount of digital currency from the digital currency parent wallet to the digital currency sub-wallet, so as to distribute the target amount of digital currency to the target.

[0155] S1302. When the parent digital currency wallet does not have a corresponding sub-wallet, the operating institution server creates a sub-wallet associated with the parent digital currency wallet and transfers the target amount of digital currency from the parent wallet to the sub-wallet.

[0156] In one possible implementation, after receiving a cryptocurrency transfer request message from the wallet's backend management server, the operating institution's server can first determine whether the parent cryptocurrency wallet corresponding to the payment terminal has an associated sub-cryptocurrency wallet. If the parent cryptocurrency wallet does not have an associated sub-cryptocurrency wallet, the operating institution's server can silently create a sub-cryptocurrency wallet associated with the parent cryptocurrency wallet without the user's knowledge. Then, the operating institution's server can transfer the target amount of cryptocurrency from the parent cryptocurrency wallet to the sub-cryptocurrency wallet, facilitating the distribution of the target amount of cryptocurrency to the recipient.

[0157] In one embodiment, such as Figure 12 As shown, the resource distribution method provided in this disclosure also includes: S1401-S1402.

[0158] S1401, The operating agency server verifies the sensitive words in the remarks information based on the second preset thesaurus.

[0159] In one possible approach, the cryptocurrency transfer request message may include notes associated with the target resource. These notes may be edited by the user when editing the target resource.

[0160] Optionally, the notes associated with the target resource can be a text that describes the purpose of the target resource (e.g., Happy Birthday and Happy New Year).

[0161] Optionally, staff of the operating organization can pre-set a second preset thesaurus on the operating organization's server.

[0162] In one possible implementation, to facilitate the verification of the legality of the notes associated with the target resource by the operating institution's server, the wallet management backend server can include the notes associated with the target resource in the cryptocurrency transfer request message. Based on this, after receiving the cryptocurrency transfer request message from the wallet management backend server, the operating institution's server can parse the message to determine the notes associated with the target resource and perform sensitive word verification on the notes based on a second preset thesaurus to verify whether any sensitive words are present in the notes associated with the target resource.

[0163] Subsequently, when the remarks associated with the target resource do not contain any sensitive words, the operating institution's server can transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet, so as to facilitate the subsequent payment of the target amount of digital currency to the target account.

[0164] In one possible approach, the operating organization's server can split the notes associated with the target resource into multiple second phrases to be verified, and verify whether there are sensitive words in the multiple second phrases to be verified based on a second preset thesaurus.

[0165] S1402. When the remarks information contains sensitive words, the operating institution's server sends a remarks verification failure message to the wallet's backend management server, so that the wallet's backend management server sends a remarks correction request message to the payment terminal.

[0166] In one possible implementation, if the notes associated with the target resource contain sensitive words, it indicates that the notes do not meet the operator's requirements. In this case, the operator's server will not transfer the target amount of cryptocurrency from the parent cryptocurrency wallet corresponding to the payment terminal to the sub-wallet associated with the parent wallet. Furthermore, the operator's server can send a note verification failure message to the wallet's backend management server, indicating that the notes need to be corrected. Correspondingly, the wallet's backend management server can receive the note verification failure message from the operator's server and send a note correction request message to the payment terminal so that the user can make corrections.

[0167] In one possible approach, both the verification failure message and the correction request message can carry the words in the notes that need to be modified. The payment terminal can display the words in the notes that need to be modified through a configured display module to remind the user to make corrections.

[0168] In one embodiment, such as Figure 13 As shown, when a user performs a click operation through the input module configured on the payment terminal to open an interface for editing a target resource, the payment terminal can respond to this click operation by sending a parameter request message to the wallet management backend server to obtain preset parameter information. Correspondingly, the wallet management backend server can receive the parameter request message from the payment terminal. Then, the payment terminal can read the pre-stored preset parameter information and send a parameter response message carrying the preset parameter information to the payment terminal. Correspondingly, the payment terminal can receive the parameter response message carrying the preset parameter information from the wallet management backend server and obtain the preset parameter information by using the parameter response message. Then, the payment terminal can provide the user with target resource editing services based on the preset parameter information.

[0169] Next, when a user performs text editing operations through the input module configured on the payment terminal to generate notes associated with the target resource, the payment terminal can respond to this text editing operation by sending a verification request message carrying the notes to the wallet management backend server in real time to verify whether there are any sensitive words in the notes. Correspondingly, the wallet management backend server can receive the verification request message from the payment terminal. Then, the wallet management backend server can parse the verification request message to obtain the notes and, in response to the verification request message, perform sensitive word verification on the notes to obtain a verification result. Next, the wallet management backend server can send a verification response message carrying the verification result to the payment terminal. Correspondingly, the payment terminal can receive the verification response message from the wallet management backend server and parse the verification response message to obtain the verification result. If the verification result indicates that there are sensitive words in the notes, the payment terminal can remind the user to modify the notes until the verification result indicates that there are no sensitive words in the notes.

[0170] Next, when the user performs a confirmation generation operation through the input module configured on the payment terminal to confirm the completion of editing the target resource, the payment terminal can respond to this confirmation generation operation by sending an identifier request message to the wallet management backend server. Correspondingly, the wallet management backend server can receive the identifier request message from the payment terminal. Then, the wallet management backend server can generate a resource identifier to uniquely identify the target resource using a preset method and send an identifier response message carrying the resource identifier to the payment terminal. Correspondingly, the payment terminal can receive the identifier response message from the wallet management backend server and parse the identifier response message to obtain the resource identifier. Finally, the payment terminal can launch the digital currency (e.g., digital RMB) APP checkout, displaying a payment interface for editing payment verification information to the user through the configured display module.

[0171] Next, when a user executes a resource allocation operation through the input module configured on the payment terminal to confirm the allocation of a target amount of digital currency to the target account, the payment terminal can respond to this resource allocation operation by sending an allocation request message to the wallet management backend server. Correspondingly, the wallet management backend server can receive the allocation request message from the payment terminal, parse the message, and determine whether the target resource needs to be sent to the target account.

[0172] Next, to facilitate verification when the target account receives the target resource and thus improve transaction security, the wallet management backend server can store the correspondence between resource identifiers and target accounts. Simultaneously, the wallet management backend server can record the distribution status corresponding to the resource identifier of the target resource as "distributing".

[0173] Next, in order to generate the target resources to distribute the target amount of cryptocurrency to the target account, the wallet management backend server can send a cryptocurrency transfer request message to the operating institution server. Correspondingly, the operating institution server can receive the cryptocurrency transfer from the wallet management backend server and parse the transfer to determine information such as remarks, target account, target quantity, and the parent cryptocurrency wallet corresponding to the payment terminal.

[0174] Next, to ensure the legality of the remarks information, the operator's server can also perform a sensitive word verification on the remarks information. If it is determined that there are no sensitive words in the remarks information, the operator's server can determine whether there is an associated digital currency sub-wallet in the digital currency parent wallet corresponding to the payment terminal. If so, the operator's server can begin transferring the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet, so as to facilitate the subsequent payment of the target amount of digital currency to the target account. If not, the operator's server can first silently create a digital currency sub-wallet associated with the digital currency parent wallet corresponding to the payment terminal, and then begin transferring the target amount of digital currency from the digital currency parent wallet to the digital currency sub-wallet.

[0175] Next, if the operator's server successfully transfers the target amount of cryptocurrency, it can send a cryptocurrency transfer confirmation message to the wallet's backend management server. This prompts the wallet's backend management server to send a distribution response message to the payment terminal, indicating successful distribution of the target resource. If the operator's server fails to transfer the target amount of cryptocurrency, it can send a cryptocurrency transfer failure message to the wallet's backend management server. This prompts the wallet's backend management server to send a distribution response message to the payment terminal, indicating that the distribution of the target resource has failed.

[0176] In one possible approach, the wallet management backend server can update the distribution status of the target resource's resource identifier to "distribution successful" upon receiving a digital currency transfer confirmation message from the operating institution's server. Alternatively, the wallet management backend server can also update the distribution status of the target resource's resource identifier to "distribution failed" upon receiving a digital currency transfer failure message from the operating institution's server.

[0177] It is understood that, in actual implementation, the payment terminal / server described in the embodiments of this disclosure may include one or more hardware structures and / or software modules for implementing the aforementioned corresponding resource allocation method. These hardware structures and / or software modules can constitute an electronic device. Those skilled in the art should readily recognize that, in conjunction with the algorithm steps of the various examples described in the embodiments disclosed herein, this disclosure can be implemented in hardware or a combination of hardware and computer software. Whether a function is implemented 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 disclosure.

[0178] Based on this understanding, this disclosure also provides a resource distribution device for use in a wallet management backend server. Figure 14 A schematic diagram of the structure of the resource distribution device provided in an embodiment of this disclosure is shown. Figure 14 As shown, the resource distribution device may include: a receiving unit 1501 and a sending unit 1502; the receiving unit 1501 is used to receive a distribution request message sent by the payment terminal, requesting the distribution of a target resource to a target account; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes the target account and the target amount; the sending unit 1502 is used to send a digital currency transfer request message to the operating institution server; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; the sending unit 1502 is also used to send a distribution success message to the payment terminal when it receives a digital currency transfer confirmation message sent by the operating institution server.

[0179] Optionally, the receiving unit 1501 is further configured to receive an identifier request message sent by the payment terminal for obtaining a resource identifier of the target resource; the sending unit 1502 is further configured to generate a resource identifier based on a preset method in response to the identifier request message, and send the resource identifier to the payment terminal.

[0180] Optionally, the receiving unit 1501 is further configured to receive a parameter request message sent by the payment terminal for obtaining preset parameter information; the preset parameter information is used to generate target resources; the sending unit 1502 is further configured to respond to the parameter request message, read the preset parameter information, and send the preset parameter information to the payment terminal.

[0181] Optionally, the target resource also includes remark information; the receiving unit 1501 is further configured to receive a verification request message sent by the payment terminal requesting verification of whether the remark information contains sensitive words; the sending unit 1502 is further configured to respond to the verification request message, verify the remark information based on the first preset word library to obtain a verification result, and send the verification result to the payment terminal; the verification result is used to indicate whether the remark information contains sensitive words or not.

[0182] Optionally, the sending unit 1502 is also configured to send a disbursement failure message to the payment terminal when it receives a digital currency transfer failure message sent by the operator's server.

[0183] Optionally, the receiving unit 1501 is further configured to receive a claim request message sent by the claiming terminal corresponding to the target account; the claim request message is used to request the claim of a target amount of digital currency in the target resource; the sending unit 1502 is further configured to respond to the claim request message and send a digital currency payment request message to the operating institution server, so that the operating institution server pays the target amount of digital currency to the target account from the digital currency sub-wallet.

[0184] Based on this understanding, this disclosure also provides a resource distribution device for use in a payment terminal. Figure 15 A schematic diagram of the structure of the resource distribution device provided in an embodiment of this disclosure is shown. Figure 15 As shown, the resource distribution device may include: a sending unit 1601; the sending unit 1601 is used to send a distribution request message to the wallet backend management server in response to a resource distribution operation performed by the user on the interface for editing the target resource, so that the wallet backend management server sends a digital currency transfer request message to the operating institution server; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes the target account and the target amount; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account.

[0185] Optionally, the resource distribution device further includes: a receiving unit 1602; a sending unit 1601, further configured to send a verification request message to the wallet backend management server in response to a user's note editing operation on the interface; the verification request message is used to request verification of whether the note information edited by the user on the interface contains sensitive words; the receiving unit 1602 is configured to receive the verification result sent by the wallet backend management server and display the verification result on the interface; the verification result is used to indicate whether the note information contains sensitive words or not.

[0186] Based on this understanding, this disclosure also provides a resource distribution device for use on an operating organization's server. Figure 16 A schematic diagram of the structure of the resource distribution device provided in an embodiment of this disclosure is shown. Figure 16 As shown, the resource distribution device may include: a receiving unit 1701 and a sending unit 1702; the receiving unit 1701 is used to receive a digital currency transfer request message sent by the wallet backend management server; the digital currency transfer request message is used to request the transfer of a target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the target amount of digital currency is used by the payment terminal to distribute the target resource to the target account; the target resource is used to instruct the target account to receive the target amount of digital currency; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; the sending unit 1702 is used to send a digital currency transfer confirmation message to the wallet backend management server when the transfer of the target amount of digital currency is successful, so that the wallet backend management server sends a distribution success message to the payment terminal.

[0187] Optionally, the sending unit 1702 is further configured to send a digital currency transfer failure message to the wallet backend management server when the transfer of the target amount of digital currency fails, so that the wallet backend management server sends a disbursement failure message to the payment terminal.

[0188] Optionally, the resource distribution device further includes: a processing unit 1703; the processing unit 1703 is configured to transfer a target amount of digital currency from the digital currency parent wallet to the digital currency child wallet when the digital currency parent wallet has a digital currency child wallet associated with the digital currency parent wallet; the processing unit 1703 is also configured to create a digital currency child wallet associated with the digital currency parent wallet and transfer a target amount of digital currency from the digital currency parent wallet to the digital currency child wallet when the digital currency parent wallet does not have a digital currency child wallet associated with the digital currency parent wallet.

[0189] Optionally, the digital currency transfer request message includes remarks associated with the target resource; the resource distribution device further includes: a verification unit 1704; the verification unit 1704 is used to perform sensitive word verification on the remarks based on a second preset thesaurus; the sending unit 1702 is also used to send a remarks verification failure message to the wallet backend management server when the remarks contain sensitive words, so that the wallet backend management server sends a remarks correction request message to the payment terminal.

[0190] As described above, the embodiments of this disclosure can divide the server into functional modules according to the above method examples. The integrated modules can be implemented in hardware or as software functional modules. Furthermore, it should be noted that the module division in these embodiments is illustrative and represents only one logical functional division; in actual implementation, other division methods may be used. For example, each function can be divided into its own functional modules, or two or more functions can be integrated into a single processing module.

[0191] Regarding the resource distribution device in the above embodiments, the specific methods of operation of each module and its beneficial effects have been described in detail in the foregoing method embodiments, and will not be repeated here.

[0192] This disclosure also provides a terminal, which may be a user terminal such as a mobile phone or a computer. Figure 17 A schematic diagram of the structure of a terminal provided in an embodiment of this disclosure is shown. The terminal may be a resource distribution device and may include at least one processor 61, a communication bus 62, a memory 63, and at least one communication interface 64.

[0193] Processor 61 may be a processor (central processing unit, CPU), microprocessor unit, ASIC, or one or more integrated circuits for controlling the execution of programs according to the present disclosure.

[0194] The communication bus 62 may include a path for transmitting information between the aforementioned components.

[0195] Communication interface 64 uses any transceiver-like device for communicating with other devices or communication networks, such as servers, Ethernet, radio access networks (RAN), wireless local area networks (WLAN), etc.

[0196] Memory 63 may be a read-only memory (ROM) or other type of static storage device capable of storing static information and instructions, random access memory (RAM) or other type of dynamic storage device capable of storing information and instructions, or electrically erasable programmable read-only memory (EEPROM), compact disc read-only memory (CD-ROM) or other optical disc storage, optical disc storage (including compressed optical discs, laser discs, optical discs, digital versatile optical discs, Blu-ray discs, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium capable of carrying or storing desired program code in the form of instructions or data structures and accessible by a computer, but not limited thereto. Memory may exist independently and be connected to the processing unit via a bus. Memory may also be integrated with the processing unit.

[0197] The memory 63 stores the application code that executes the present invention, and its execution is controlled by the processor 61. The processor 61 executes the application code stored in the memory 63 to implement the functions of the method of the present invention.

[0198] In a specific implementation, as one example, processor 61 may include one or more CPUs, for example... Figure 17 CPU0 and CPU1 in the CPU.

[0199] In a specific implementation, as one example, the terminal may include multiple processors, for example... Figure 17 Processors 61 and 65 are included. Each of these processors may be a single-core (single-CPU) processor or a multi-core (multi-CPU) processor. A processor here may refer to one or more devices, circuits, and / or processing cores used to process data (e.g., computer program instructions).

[0200] In a specific implementation, as one embodiment, the terminal may further include an input device 66 and an output device 67. The input device 66 and output device 67 communicate and can accept user input in various ways. For example, the input device 66 may be a mouse, keyboard, touchscreen device, or sensing device. The output device 67 communicates with the processor 61 and can display information in various ways. For example, the output device 61 may be a liquid crystal display (LCD), a light emitting diode (LED) display device, etc.

[0201] Those skilled in the art will understand that Figure 17 The structure shown does not constitute a limitation on the terminal and may include more or fewer components than shown, or combine certain components, or use different component arrangements.

[0202] This disclosure also provides a server. Figure 18 A schematic diagram of the server structure provided in this embodiment is shown. This server can be a resource allocation device. The server can vary significantly due to differences in configuration or performance, and may include one or more processors 71 and one or more memories 72. The memory 72 stores at least one instruction, which is loaded and executed by the processor 71 to implement the resource allocation methods provided in the various method embodiments described above. Of course, the server may also have wired or wireless network interfaces, a keyboard, and input / output interfaces for input and output. The server may also include other components for implementing device functions, which will not be elaborated here.

[0203] This disclosure also provides a computer-readable storage medium including instructions stored thereon, which, when executed by a processor of a computer device, enable the computer to perform the resource allocation method provided in the embodiments described above. For example, the computer-readable storage medium may be a memory 63 including instructions, which may be executed by a processor 61 of a terminal to complete the method. As another example, the computer-readable storage medium may be a memory 72 including instructions, which may be executed by a processor 71 of a server to complete the method. Optionally, the computer-readable storage medium may be a non-transitory computer-readable storage medium, such as ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage device.

[0204] This disclosure also provides a computer program product including computer instructions that, when executed on an electronic device, cause the electronic device to perform the above-described actions. Figures 3-13 The resource distribution method shown in any of the attached figures.

[0205] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This disclosure is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0206] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A resource distribution method, characterized in that, Used in wallet backend management servers, including: The system receives a distribution request message from a payment terminal, requesting the distribution of a target resource to a target account. The target resource is used to instruct the target account to receive a target amount of digital currency. The distribution request message includes the target account, the target amount, and a resource identifier for the target resource. In response to the distribution request message, establish a correspondence between the resource identifier and the target account; A digital currency transfer request message is sent to the operating institution's server; the digital currency transfer request message is used to request the operating institution's server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account; and the digital currency transfer request is also used to instruct the operating institution's server to restrict the target amount of digital currency in the digital currency sub-wallet to be used only for payments to the target account; When a digital currency transfer confirmation message is received from the operator's server, a successful issuance message is sent to the payment terminal.

2. The resource distribution method according to claim 1, characterized in that, Before receiving the request message from the payment terminal requesting the distribution of target resources to the target account, the method further includes: The resource identifier is generated based on a preset method and then sent to the payment terminal.

3. The resource distribution method according to claim 2, characterized in that, Before generating the resource identifier based on a preset method and sending the resource identifier to the payment terminal, the method further includes: The system receives a parameter request message from the payment terminal for obtaining preset parameter information; the preset parameter information is used to generate the target resource. In response to the parameter request message, the preset parameter information is read and sent to the payment terminal.

4. The resource distribution method according to claim 1, characterized in that, The target resource also includes remarks information; The resource distribution method also includes: Receive a verification request message sent by the payment terminal, requesting verification of whether the remarks information contains sensitive words; In response to the verification request message, the annotation information is verified based on a first preset thesaurus to obtain a verification result, and the verification result is sent to the payment terminal; the verification result is used to indicate whether the annotation information contains sensitive words or does not contain sensitive words.

5. The resource distribution method according to claim 1, characterized in that, After sending the digital currency transfer request message to the operator's server, the method further includes: When a digital currency transfer failure message is received from the operator's server, a disbursement failure message is sent to the payment terminal.

6. The resource distribution method according to claim 1, characterized in that, After sending the successful disbursement message to the payment terminal, the method further includes: Receive a claim request message sent by the claiming terminal corresponding to the target account; the claim request message is used to request the claim of the target amount of digital currency from the target resource; In response to the claim request message, a digital currency payment request message is sent to the operating institution server, so that the operating institution server pays the target amount of digital currency from the digital currency sub-wallet to the target account.

7. A resource allocation method, characterized in that, Applications in payment terminals include: In response to a user's resource distribution operation performed on the interface for editing a target resource, a distribution request message is sent to the wallet backend management server. This enables the wallet backend management server to establish a correspondence between the resource identifier of the target resource and the target account, and sends a digital currency transfer request message to the operating institution server. The target resource is used to instruct the target account to receive a target amount of digital currency. The distribution request message includes the target account, the target amount, and the resource identifier. The digital currency transfer request message requests the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the parent wallet. Furthermore, the digital currency transfer request also instructs the operating institution server to restrict the target amount of digital currency in the digital currency sub-wallet to be used only for payments to the target account. The digital currency sub-wallet is used to pay the target amount of digital currency to the target account.

8. The resource distribution method according to claim 7, characterized in that, Also includes: In response to the user's note editing operation performed on the interface, a verification request message is sent to the wallet backend management server; The verification request message is used to request verification of whether the notes edited by the user in the interface contain sensitive words; Receive the verification result sent by the wallet backend management server and display the verification result on the interface; The verification result is used to indicate whether the remarks information contains sensitive words or not.

9. A resource distribution method, characterized in that, Used in operator servers, including: The system receives a cryptocurrency transfer request message from a wallet backend management server. This message requests a target amount of cryptocurrency from the parent cryptocurrency wallet corresponding to the payment terminal to a sub-wallet associated with that parent wallet. Furthermore, the request instructs the operating institution server to restrict the target amount of cryptocurrency in the sub-wallet to be used only for payments to a target account. The target amount of cryptocurrency is used by the payment terminal to distribute target resources to the target account. These target resources instruct the target account to receive the target amount of cryptocurrency. The sub-wallet then pays the target amount of cryptocurrency to the target account. When the target amount of digital currency is successfully transferred, a digital currency transfer confirmation message is sent to the wallet backend management server, so that the wallet backend management server sends a disbursement success message to the payment terminal.

10. The resource distribution method according to claim 9, characterized in that, Also includes: When the transfer of the target amount of digital currency fails, a digital currency transfer failure message is sent to the wallet backend management server, so that the wallet backend management server sends a disbursement failure message to the payment terminal.

11. The resource distribution method according to claim 9, characterized in that, After receiving the digital currency transfer request message sent by the wallet backend management server, the method further includes: When the parent digital currency wallet has a child digital currency wallet associated with it, the target amount of digital currency in the parent digital currency wallet is transferred to the child digital currency wallet. When the parent digital currency wallet does not have a child digital currency wallet associated with it, a child digital currency wallet associated with the parent digital currency wallet is created, and the target amount of digital currency in the parent digital currency wallet is transferred to the child digital currency wallet.

12. The resource distribution method according to claim 9, characterized in that, The digital currency transfer request message includes remarks associated with the target resource; The resource distribution method also includes: The remarks information is verified for sensitive words based on a second preset thesaurus. When the remarks contain sensitive words, a remarks verification failure message is sent to the wallet backend management server, so that the wallet backend management server sends a remarks correction request message to the payment terminal.

13. A resource distribution device, characterized in that, It is used in the wallet backend management server and includes: receiving unit, sending unit and processing unit; The receiving unit is configured to receive a distribution request message sent by the payment terminal, which requests the distribution of a target resource to a target account; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes the target account, the target amount, and a resource identifier of the target resource; The processing unit is configured to, in response to the issuance request message, establish a correspondence between the resource identifier and the target account; The sending unit is configured to send a digital currency transfer request message to the operating institution server; the digital currency transfer request message is configured to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; the digital currency sub-wallet is configured to pay the target amount of digital currency to the target account; and the digital currency transfer request is also configured to instruct the operating institution server to restrict the target amount of digital currency in the digital currency sub-wallet to be used only for payments to the target account; The sending unit is further configured to send a successful issuance message to the payment terminal when it receives a digital currency transfer confirmation message sent by the operating institution's server.

14. A resource distribution device, characterized in that, Applied to payment terminals, it includes: a sending unit; The sending unit is configured to respond to a resource distribution operation performed by the user on the interface for editing the target resource, and send a distribution request message to the wallet backend management server, so that the wallet backend management server establishes a correspondence between the resource identifier of the target resource and the target account, and sends a digital currency transfer request message to the operating institution server; the target resource is used to instruct the target account to receive a target amount of digital currency; the distribution request message includes the target account, the target amount, and the resource identifier; the digital currency transfer request message is used to request the operating institution server to transfer the target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the digital currency parent wallet; and the digital currency transfer request is also used to instruct the operating institution server to restrict the target amount of digital currency in the digital currency sub-wallet to be used only for payment to the target account; the digital currency sub-wallet is used to pay the target amount of digital currency to the target account.

15. A resource distribution device, characterized in that, Applied to the server of an operating organization, it includes: a receiving unit and a sending unit; The receiving unit is configured to receive a digital currency transfer request message sent by the wallet backend management server; the digital currency transfer request message is configured to request the transfer of a target amount of digital currency from the digital currency parent wallet corresponding to the payment terminal to the digital currency sub-wallet associated with the parent wallet; furthermore, the digital currency transfer request is configured to instruct the operating institution server to restrict the target amount of digital currency in the digital currency sub-wallet to be used only for payments to the target account; the target amount of digital currency is used by the payment terminal to issue target resources to the target account; the target resources are used to instruct the target account to receive the target amount of digital currency; and the digital currency sub-wallet is used to pay the target amount of digital currency to the target account. The sending unit is used to send a digital currency transfer confirmation message to the wallet backend management server when the transfer of the target amount of digital currency is successful, so that the wallet backend management server sends a disbursement success message to the payment terminal.

16. A resource allocation system, characterized in that, include: Wallet backend management server, payment terminal, and operating institution server; The wallet backend management server is used to execute the resource distribution method as described in any one of claims 1-6; The payment terminal is used to execute the resource distribution method as described in any one of claims 7-8; The operating organization server is used to execute the resource allocation method as described in any one of claims 9-12.

17. A wallet backend management server, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the resource allocation method as described in any one of claims 1-6.

18. A terminal, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the resource allocation method as described in any one of claims 7-8.

19. An operator server, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement the resource allocation method as described in any one of claims 9-12.

20. A computer-readable storage medium storing instructions thereon, characterized in that, When the instructions in the computer-readable storage medium are executed by the processor of the wallet backend management server, the wallet backend management server is able to perform the resource distribution method as described in any one of claims 1-6; Alternatively, when the instructions in the computer-readable storage medium are executed by the processor of the terminal, the terminal is enabled to perform the resource allocation method as described in any one of claims 7-8; Alternatively, when the instructions in the computer-readable storage medium are executed by the processor of the operator server, the operator server is enabled to perform the resource allocation method as described in any one of claims 9-12.

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