Virtual resource management method and device, equipment, medium and program product

Abstract

The invention discloses a virtual resource management method and device, equipment, a medium and a program product, and relates to the technical field of big data. Comprising the following steps: when it is detected that a user uses a target card to carry out target business operation, carrying out identity verification on the user; under the condition that the user identity verification is passed, performing service authorization processing on the target service operation; obtaining service information of a current target service operation, the number of virtual resources of a user account and a virtual resource use condition in a Redis cache; determining whether the current target service operation meets a virtual resource use condition or not based on the service information of the current target service operation through the first smart contract, and calculating the number of virtual resources available for the current target service operation; and completing the current target service operation based on the number of the virtual resources which can be used by the current target service operation. By adopting the method provided by the embodiment of the invention, the autonomy of the user and the viscidity of the user can be improved, and the virtual resource management efficiency and security are improved.

Description

Technical Field

[0001] The present application relates to the field of big data technology, and in particular to a virtual resource management method, device, equipment, medium and program product. Background Art

[0002] In the related art, card issuers usually reward users for certain consumption behaviors. At present, the virtual resources rewarded are usually based on the merchant dimension, that is, whether the virtual resources can be used depends on whether the cooperating merchant has carried out relevant activity configuration. This will affect the user's autonomy and thus affect the user experience. Summary of the invention

[0003] The present application discloses a virtual resource management method, device, equipment, medium and program product. The technical solution of the present application is as follows:

[0004] In a first aspect, the present application discloses a virtual resource management method, comprising:

[0005] When it is detected that a user uses a target card to perform a target business operation, identity verification is performed on the user; wherein the identity verification includes at least one of multi-factor verification and biometric verification;

[0006] When the user identity verification is passed, performing business authorization processing on the target business operation;

[0007] After the business authorization is performed, the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache are obtained; wherein the virtual resources are obtained from the historical business operations of the user;

[0008] Determining, through a first smart contract, whether the current target business operation satisfies the virtual resource usage condition based on the business information of the current target business operation;

[0009] When the current target business operation satisfies the virtual resource usage condition, the amount of virtual resources that can be used for the current target business operation is calculated through the first smart contract;

[0010] The current target business operation is completed based on the amount of virtual resources available for the current target business operation.

[0011] In a possible implementation manner, when it is detected that a user uses a target card to perform a target business operation, before authenticating the user, the method further includes:

[0012] When it is detected that the user uses the target card to perform a historical business operation, obtain the business information of the historical business operation, and obtain the virtual resource allocation rule in the Redis cache; wherein the historical business operation is the business operation before the current target business operation;

[0013] Determining, by a second smart contract based on the business information of the historical business operations, whether the historical business operations satisfy the virtual resource allocation rules;

[0014] When the historical business operation satisfies the virtual resource allocation rule, the amount of virtual resources that can be allocated for the historical business operation is calculated by the second smart contract;

[0015] Allocate virtual resources to the user account based on the number of virtual resources that can be allocated by the historical business operations.

[0016] In a possible implementation, the business information includes the amount of the business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation;

[0017] The determining, through the first smart contract and based on the business information of the current target business operation, whether the current target business operation satisfies the virtual resource usage condition includes:

[0018] The first smart contract is used to determine whether the business operation amount, business operation time, business operation channel, target card parameters, and merchant information corresponding to the business operation of the current target business operation meet the virtual resource usage conditions.

[0019] In a possible implementation, the virtual resource usage conditions include activity usage limit, activity date, business operation channel corresponding to the activity, activity card parameters, and activity merchant information:

[0020] The determining, through the first smart contract, whether the amount of the business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation of the current target business operation meet the virtual resource usage conditions includes:

[0021] The first smart contract is used to detect whether the amount of the business operation meets the activity usage limit, whether the business operation time is within the activity date, whether the business operation channel belongs to the business operation channel corresponding to the activity, whether the target card parameters belong to the activity card parameters, and whether the merchant information corresponding to the business operation belongs to the activity merchant information.

[0022] In a possible implementation, when the current target business operation satisfies the virtual resource usage condition, calculating the amount of virtual resources that can be used for the current target business operation through the first smart contract includes:

[0023] In the case where the current target business operation satisfies the virtual resource usage condition, determining the virtual resource usage activity satisfied by the current target business operation based on the business information of the current target business operation through the first smart contract, and calculating the amount of usable virtual resources corresponding to the virtual resource usage activity; the virtual resource usage activity may be one or more;

[0024] The completing the current target business operation based on the amount of virtual resources available for the current target business operation includes:

[0025] When the number of virtual resource usage activities satisfied by the current target business operation is greater than one, determining the target number of available virtual resources for the current target business operation according to the activity time and the number of available virtual resources of each virtual resource usage activity;

[0026] Based on the target amount of virtual resources available for the current target business operation, the current target business operation is completed.

[0027] In a possible implementation, the consumption is a positive transaction;

[0028] In the case where the target business operation is a reverse business operation, the method further includes:

[0029] In the case where it is detected that the user uses the target card to perform a reverse business operation, determining a forward business operation corresponding to the reverse business operation;

[0030] The amount of virtual resources of the user account is updated according to the business information of the forward business operation corresponding to the reverse business operation; wherein the business information of the forward business operation corresponding to the reverse business operation includes the activity information in which the forward business operation corresponding to the reverse business operation participates, the amount of virtual resources used, and the details of the virtual resources used.

[0031] In a second aspect, the present application discloses a virtual resource management device, comprising:

[0032] A verification module, used to authenticate the user when it is detected that the user uses the target card to perform the target business operation; wherein the identity authentication includes at least one of multi-factor authentication and biometric authentication;

[0033] An authorization module is used to perform business authorization processing on the target business operation when the user identity authentication is passed;

[0034] An acquisition module, used to acquire the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache after the business authorization is performed; wherein the virtual resources are obtained from the historical business operations of the user;

[0035] A determination module, configured to determine whether the current target business operation satisfies the virtual resource usage condition based on the business information of the current target business operation through a first smart contract;

[0036] A calculation module, configured to calculate, through the first smart contract, the amount of virtual resources that can be used for the current target business operation if the current target business operation meets the virtual resource usage condition;

[0037] The operation module is used to complete the current target business operation based on the number of virtual resources available for the current target business operation.

[0038] In a third aspect, the present application discloses an electronic device, comprising:

[0039] processor;

[0040] a memory for storing instructions executable by the processor;

[0041] The processor is configured to execute the instructions to implement the method described in the first aspect.

[0042] In a fourth aspect, the present application discloses a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the method described in the first aspect when executed by a processor.

[0043] In a fifth aspect, the present application discloses a computer program product, including a computer program / instructions, characterized in that when the computer program / instructions are executed by a processor, the method described in the first aspect is implemented.

[0044] The technical solution disclosed in this application brings at least the following beneficial effects:

[0045] In an embodiment of the present application, when it is detected that the user uses a target card to perform a target business operation, the user's identity is authenticated; wherein the identity authentication includes at least one of multi-factor authentication and biometric authentication; when the user identity authentication is passed, the target business operation is authorized; after the business authorization, the business information of the current target business operation, the number of virtual resources of the user account, and the virtual resource usage conditions in the Redis cache are obtained; wherein the virtual resources are obtained from the user's historical business operations; based on the business information of the current target business operation, it is determined through a first smart contract whether the current target business operation meets the virtual resource usage conditions; when the current target business operation meets the virtual resource usage conditions, the number of virtual resources that can be used for this target business operation is calculated through the first smart contract; and the current target business operation is completed based on the number of virtual resources that can be used for this target business operation. In this way, not only can virtual resources be associated with the user's business operations, thereby improving user autonomy and user experience, but virtual resources can also be used for business operations when the next business operation meets the conditions for using virtual resources. That is, virtual resources can only be used in the user's subsequent business operations, thereby improving user autonomy, improving user experience and user stickiness, and reducing losses to issuing banks. At the same time, the use of Redis and smart contracts can further improve response speed and improve virtual resource management efficiency and security.

[0046] It should be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] The drawings herein are incorporated into the specification and constitute a part of the specification, illustrate embodiments consistent with the present application, and together with the specification are used to explain the principles of the present application, and do not constitute an improper limitation on the present application.

[0048] Figure 1 A flowchart of a virtual resource management method provided in the first embodiment of the present application;

[0049] Figure 2 It is a flowchart of a method for acquiring virtual resources provided in the second embodiment of the present application;

[0050] Figure 3 It is a flowchart of a virtual resource expenditure method provided in the third embodiment of the present application;

[0051] Figure 4 is a structural diagram of a virtual resource management device provided in the fourth embodiment of the present application;

[0052] Figure 5A schematic diagram of the structure of an electronic device provided in the fifth embodiment of the present application. DETAILED DESCRIPTION

[0053] In order to enable ordinary persons in the art to better understand the technical solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0054] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. On the contrary, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the attached claims.

[0055] It should be noted that the information (including but not limited to user device information, user personal information, etc.), data (including but not limited to data used for analysis, stored data, displayed data, etc.) and signals involved in this application are all authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards of relevant countries and regions.

[0056] The acquisition, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0057] It should be noted that in the embodiments of the present application, there may be existing solutions in the industry such as certain software, components, models, etc., which should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0058] The process of consumption is the process of expenditure. In order to win a more stable consumer market, rewards are usually given for certain consumption to stimulate market enthusiasm, maintain user loyalty, and better guarantee customer consumption experience. For example, in the relevant technology, for credit cards, credit card virtual resources (such as bonuses) usually include credit card consumption authorization and virtual resource issuance stages. Among them, credit card consumption authorization refers to the operation of merchants deducting funds during the consumption process of cardholders. Bonuses refer to rewards sent to cardholders after they make certain consumption and the consumption amount reaches the standard, in order to attract users' consumption behavior. Credit card consumption authorization mainly undertakes all functions of process control and risk control, and specific business scenarios include consumption, cash withdrawal, repayment, transfer, etc. The issuing bank can determine the credit limit according to the cardholder's situation. Cardholders can swipe the card to consume within the limit. The available credit limit of the credit card will decrease with each consumption and recover with each repayment. In related technologies, bonuses are usually based on cooperative merchants. By confirming the merchants to be opened for marketing and confirming the marketing information related to the merchants, the merchants' marketing plans can be configured to form personalized marketing plans corresponding to the merchants (for example, including activity marketing scenarios, activity time parameters, activity limits and times, activity discount amount parameters, etc.). In this way, cardholders can trigger the set marketing plans when consuming at the merchant and enjoy the corresponding discounts.

[0059] It can be seen that in the relevant technologies, bonuses are mostly calculated at the merchant dimension and cannot be directly linked to customer consumption. Whether a user can enjoy the bonus benefits depends entirely on whether the cooperating merchant configures activities. This results in low user autonomy. Moreover, bonuses are independent of consumption authorization, and the deduction of bonuses for the same consumption requires end-of-day processing to complete, resulting in an unintuitive real-time user experience. The bonus deduction for the same consumption may be arbitraged by the user and then directly withdrawn and closed. This not only fails to improve user stickiness, but also causes losses to the issuing bank.

[0060] Based on this, the embodiments of the present application provide a virtual resource management method, device, equipment, medium and program product, which can not only associate virtual resources with user consumption, improve user autonomy and improve user experience; it can also control the use of virtual resources for transactions when the next consumption meets the virtual resource usage conditions, that is, virtual resources can only be deducted from the user's subsequent consumption, thereby improving user stickiness and reducing losses to issuing banks.

[0061] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0062] Figure 1 This is a flowchart of a virtual resource management method provided in the first embodiment of the present application. The method can be applied to a server, for example, a single server or a server cluster. Figure 1 As shown, the virtual resource management method may include the following steps:

[0063] S101, when it is detected that a user uses a target card to perform a target business operation, the user's identity is authenticated.

[0064] Among them, identity authentication includes at least one of multi-factor authentication and biometric authentication.

[0065] In an embodiment of the present application, when it is detected that a user uses a certain card (i.e., a target card, such as a credit card, a savings card, or other card) to perform a business operation, i.e., a target business operation, the target business operation may be a transaction, consumption, etc. For example, when it is detected that a user uses a credit card to consume, the identity authentication process may be performed on this card swiping transaction. Exemplarily, the user is authenticated to ensure the authenticity of the user's identity and to protect sensitive information and resources. As an example, multi-factor authentication may be a verification method that combines two or more different types of factors. For example, a user may need to enter a password (knowledge factor) and use a one-time password received by a mobile phone (possession factor); biometric authentication is a type of inherent factor that verifies identity by analyzing an individual's biometric features, such as fingerprint recognition, facial recognition, voiceprint recognition, etc.

[0066] S102: When the user identity verification is passed, the target business operation is authorized.

[0067] In the embodiment of the present application, if the user identity verification is passed, the target business operation can be subject to business authorization. For example, assuming that the target business operation is a card transaction operation, the business authorization process for the target business operation can be a consumption authorization process for the card transaction. It is understandable that only after the consumption authorization, the merchant can deduct funds during the cardholder's consumption process.

[0068] S103, after the business authorization is performed, the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache are obtained.

[0069] Among them, virtual resources are obtained from the user's historical business operations and used in the current business operation, that is, virtual resources can only be used in subsequent business operations after they are obtained. As an example, assuming that the virtual resource is a bonus and the business operation is a consumption operation, the bonus can be obtained from the user's historical consumption and used in the current consumption, that is, the bonus can only be deducted in subsequent consumption after it is obtained.

[0070] In an embodiment of the present application, after the target business operation is authorized, the business information of the current target business operation can be obtained. The business information can include, for example, the amount of the business operation, the time of the business operation, the channel of the business operation, the target card parameters, and the merchant information corresponding to the business operation. As an example, assuming that the target business operation is a consumption operation, the consumption information of the current consumption can be obtained. The consumption information can include, for example, the consumption amount of the current consumption, the consumption time, the consumption payment channel, the target card parameters, the consumption merchant information, etc. The target card parameters can include, for example, the card type, the card account type, the card level, the card number segment, the card organization and other information. The number of virtual resources in the user account is obtained. The virtual resources are obtained by the user's historical business operations and are used in the current business operation, that is, the virtual resources can only be used in subsequent business operations after the acquisition. For example, the amount of bonus money in the user account can be obtained. As an example, the amount of bonus money in the user account can be queried, wherein the bonus money can be the bonus money obtained by the user after successfully consuming with the target card before the current consumption, and the bonus money can be deducted in subsequent consumption. And, obtaining the virtual resource usage conditions in the Redis cache, for example, obtaining the bonus usage conditions in the Redis cache, so that the access speed can be effectively improved, the data retrieval time can be significantly reduced, the database load can be reduced, and fast data access can be achieved. It can be understood that the virtual resource usage conditions can be pre-set, and if the virtual resource usage conditions are met, the virtual resources can be used for the target business operation. The specific content of the virtual resource usage conditions can be set according to actual needs.

[0071] S104: Determine, through the first smart contract and based on the business information of the current target business operation, whether the current target business operation meets the virtual resource usage condition.

[0072] Among them, the first smart contract is deployed in the blockchain network.

[0073] In an embodiment of the present application, after obtaining the business information of the current target business operation, the number of virtual resources of the user account, and the virtual resource usage conditions in the Redis cache, the smart contract (i.e., the first smart contract) can be used to determine whether the current target business operation meets the virtual resource usage conditions. Exemplarily, the first smart contract can be designed on the blockchain, and the relevant terms can be automatically verified and executed by encoding the business logic. As an example, the business logic can be defined first, for example, the rules for the virtual resource usage conditions can be clearly defined, and these rules will be encoded into the first smart contract; then, the business logic is converted into code using the smart contract programming language, and the first smart contract will contain functions and modifiers to ensure that the relevant operations can only be performed when specific conditions are met; then, the first smart contract written is deployed to the blockchain network, and after deployment, the first smart contract will automatically run and execute according to the preset logic. When a business operation occurs, the first smart contract can be triggered by sending a transaction, and the first smart contract will check whether the business information meets the preset usage conditions, for example, whether the business information of the current target business operation meets the preset virtual resource usage conditions. In this way, smart contracts and automated tools can be used to ensure that business operations are carried out in accordance with established rules, while reducing manual intervention and improving efficiency and security.

[0074] S105: When the current target business operation meets the virtual resource usage conditions, the first smart contract is used to calculate the amount of virtual resources that can be used for the current target business operation.

[0075] In an embodiment of the present application, if the current target business operation meets the virtual resource usage conditions, the amount of virtual resources that can be used for this target business operation can be calculated through the first smart contract. Exemplarily, to calculate the amount of virtual resources that can be used for this target business operation through the first smart contract, it is necessary to pre-code the logic of the first smart contract, and the coding process is similar to the above-mentioned process of logically encoding the first smart contract so that the first smart contract can determine whether the current target business operation meets the virtual resource usage conditions based on the business information of the current target business operation. As an example, assuming that the target business operation is a consumption operation and the virtual resource is a bonus, then if the current target business operation meets the virtual resource usage conditions, the amount of virtual resources that can be used for this target business operation is calculated through the first smart contract. It can be that if the current consumption meets the bonus usage conditions, the amount of bonus that can be used for this consumption is calculated through the first smart contract.

[0076] S106: Complete the current target business operation based on the amount of virtual resources available for the current target business operation.

[0077] In an embodiment of the present application, after calculating the amount of virtual resources available for this target business operation, the current target business operation can be completed based on the amount of available virtual resources. Exemplarily, after calculating the amount of bonus money available for this consumption, the consumption can be deducted based on the calculated amount of bonus money available for this consumption. As an example, assuming that the current consumption is 100 and the amount of available bonus money is 10, when deducting consumption, 10 bonus money can be deducted and 90 can be deducted from the available amount of the target card.

[0078] In an embodiment of the present application, when it is detected that the user uses a target card to perform a target business operation, the user's identity is authenticated; wherein the identity authentication includes at least one of multi-factor authentication and biometric authentication; when the user identity authentication is passed, the target business operation is authorized; after the business authorization, the business information of the current target business operation, the number of virtual resources of the user account, and the virtual resource usage conditions in the Redis cache are obtained; wherein the virtual resources are obtained from the user's historical business operations; based on the business information of the current target business operation, it is determined through a first smart contract whether the current target business operation meets the virtual resource usage conditions; when the current target business operation meets the virtual resource usage conditions, the number of virtual resources that can be used for this target business operation is calculated through the first smart contract; and the current target business operation is completed based on the number of virtual resources that can be used for this target business operation. In this way, not only can virtual resources be associated with the user's business operations, thereby improving user autonomy and user experience, but virtual resources can also be used for business operations when the next business operation meets the conditions for using virtual resources. That is, virtual resources can only be used in the user's subsequent business operations, thereby improving user autonomy, improving user experience and user stickiness, and reducing losses to issuing banks. At the same time, the use of Redis and smart contracts can further improve response speed and improve virtual resource management efficiency and security.

[0079] In a possible implementation, the following processing may also be performed:

[0080] Updates the number of virtual resources for a user account.

[0081] In an embodiment of the present application, after the current target business operation is completed based on the number of virtual resources available for this target business operation, the number of virtual resources in the user account can also be updated to provide accurate and real-time data basis for subsequent business operations, virtual resource quantity acquisition, virtual resource quantity deduction, etc. For example, assuming that the number of virtual resources in the user account before the business operation is 20, if the current business operation deducts the number of virtual resources by 10, the number of virtual resources in the user account can be updated to 10.

[0082] In some possible implementations, when it is detected that a user uses a target card to perform a target business operation, before authenticating the user, the method further includes:

[0083] When it is detected that the user uses the target card to perform a historical business operation, business information of the historical business operation is obtained, and a virtual resource allocation rule in the Redis cache is obtained; wherein the historical business operation is a business operation before the current target business operation;

[0084] Determine whether the historical business operation meets the virtual resource allocation rules based on the business information of the historical business operation through the second smart contract;

[0085] When the historical business operations satisfy the virtual resource allocation rules, the number of virtual resources that can be allocated for the historical business operations is calculated through the second smart contract;

[0086] Allocate virtual resources to user accounts based on the number of virtual resources that can be allocated based on historical business operations.

[0087] In an embodiment of the present application, before the current consumption is performed, virtual resources can be obtained through the historical business operations of the target card. Exemplary. Before the current target business operation, if it is detected that the user uses the target card to perform a business operation (ie, a historical business operation), the business information of the historical business operation can be obtained, and the virtual resource allocation rules in the Redis cache can be obtained. It can be understood that, relative to the current target business operation of the previous embodiment, this consumption belongs to the historical business operation; the virtual resource allocation rule can be a pre-set rule for increasing the number of virtual resources for the user account, and the specific content of the virtual resource allocation rule can be pre-set. Afterwards, it can be determined by a smart contract (ie, a second smart contract) whether the historical business operation meets the virtual resource allocation rule. Exemplary, the second smart contract can be designed on the blockchain, and the automatic verification and execution of relevant terms can be achieved by encoding business logic. This process is similar to the encoding process of the first smart contract, and will not be repeated here. When the historical business operation occurs, the second smart contract can be triggered by sending a transaction, and the second smart contract will check whether the business information of the historical business operation meets the preset allocation rule, for example, whether the business information of the current historical business operation meets the preset virtual resource allocation rule. In this way, on the one hand, smart contracts can be used to ensure that the allocation of virtual resources complies with established rules; on the other hand, the efficiency and security of virtual resource management can be further improved.

[0088] In some possible implementations, determining whether the current target business operation meets the virtual resource usage condition based on the business information of the current target business operation through the first smart contract includes:

[0089] The first smart contract is used to determine whether the amount of the current target business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation meet the virtual resource usage conditions.

[0090] In an embodiment of the present application, the acquired business information may be, for example, the amount of the business operation of the current target business operation, the business operation time, the business operation channel, the target card parameters, the merchant information corresponding to the business operation, etc. When determining whether the current target business operation meets the virtual resource use conditions based on the business information of the current target business operation through the first smart contract, it may be determined through the first smart contract whether the amount of the business operation of the current target business operation, the business operation time, the business operation channel, the target card parameters, the merchant information corresponding to the business operation, and whether the virtual resource use conditions are met. Exemplarily, assuming that the target business operation is a consumption operation, the virtual resource is a bonus, and the bonus use condition is a virtual resource use condition, then the consumption information of the current consumption can be obtained, for example, the consumption amount of the current consumption, the consumption time, the consumption payment channel, the target card parameters, the consumption merchant information, etc. can be obtained, and the target card parameters may include, for example, the card type, the card account type, the card level, the card number segment, the card organization, and other information. Then, the first smart contract may be used to detect whether the consumption information such as the consumption amount, the consumption time, the consumption payment channel, the target card parameters, the consumption merchant information, etc. of the current consumption meets the bonus use conditions.

[0091] In a further possible implementation, the bonus use conditions may include virtual resource use conditions including activity use limits, activity dates, business operation channels corresponding to the activity, activity card parameters, and activity merchant information:

[0092] The first smart contract determines whether the amount, time, channel, target card parameters, and merchant information corresponding to the current target business operation meet the virtual resource usage conditions, including:

[0093] The first smart contract is used to detect whether the amount of the business operation meets the activity usage limit, whether the business operation time is within the activity date, whether the business operation channel belongs to the business operation channel corresponding to the activity, whether the target card parameters belong to the activity card parameters, and whether the merchant information corresponding to the business operation belongs to the activity merchant information.

[0094] In an embodiment of the present application, the virtual resource usage conditions include activity usage limits, activity dates, business operation channels corresponding to the activities, activity card parameters, activity merchant information, etc. The activity usage limits can be, for example, the number of virtual resources that can be used by the activity and the minimum consumption amount when the virtual resources can be used; the activity date can be the effective date of the activity, for example, it can be a time period; the business operation channel corresponding to the activity can be the business payment channel supported by the activity; the activity card parameters can be the card parameters supported by the activity; the activity merchant information can be the merchant information supporting the activity. It can be understood that the activity can be one or more. Accordingly, when determining the amount of the business operation, business operation time, business operation channel, target card parameters, and merchant information corresponding to the business operation of the current target business operation through the first smart contract, whether the virtual resource usage conditions are met, the first smart contract can be used to detect whether the amount of the business operation meets the activity usage limit, whether the business operation time is within the activity date, whether the business operation channel belongs to the business operation channel corresponding to the activity, whether the target card parameters belong to the activity card parameters, and whether the merchant information corresponding to the business operation belongs to the activity merchant information. As a specific example, assuming that the target business operation is a consumption operation and the virtual resource is a bonus, it may include determining whether the current consumption is greater than or equal to the minimum consumption amount for using the bonus, and the maximum amount of the bonus that can be used; determining whether the consumption time of the current consumption is within the time period of the activity date; determining whether the consumption payment channel belongs to the activity payment channel, for example, assuming that the consumption payment channel of the current consumption is channel 1, and the activity payment channels are channel 1 and channel 2, it can be determined that the consumption payment channel belongs to the activity payment channel; determining whether the target card parameters belong to the activity card parameters, for example, assuming that the activity card is a credit card, the target card belongs to the activity card if it is a credit card, otherwise it does not belong to the activity card; determining whether the consumer merchant is within the activity merchant range. It can be understood that the bonus use condition may also include at least one of the activity use limit, activity date, activity payment channel, target card parameter, and activity merchant information, so the above process of determining the amount of the business operation of the current target business operation, the business operation time, the business operation channel, the target card parameter, and the merchant information corresponding to the business operation through the first smart contract, whether the virtual resource use condition is met may also include one or more of the above.

[0095] In a further possible implementation, when the current target business operation meets the virtual resource usage conditions, the amount of virtual resources that can be used for the current target business operation is calculated by the first smart contract, including:

[0096] In the case where the current target business operation satisfies the virtual resource usage conditions, the first smart contract determines the virtual resource usage activities satisfied by the current target business operation based on the business information of the current target business operation, and calculates the amount of available virtual resources corresponding to the virtual resource usage activities; the virtual resource usage activities may be one or more;

[0097] Complete the current target business operation based on the number of virtual resources available for this target business operation, including:

[0098] When the number of virtual resource usage activities satisfied by the current target business operation is greater than one, determining the target number of available virtual resources for the current target business operation according to the activity time of each virtual resource usage activity and the number of available virtual resources;

[0099] Based on the target amount of virtual resources available for the current target business operation, the current target business operation is completed.

[0100] In an embodiment of the present application, the first smart contract can not only determine whether the current target business operation satisfies the virtual resource use activity, but also output the number of virtual resource use activities satisfied by the current target business operation, and the number of available virtual resources corresponding to each virtual resource use activity. Considering that the user's current target business operation may satisfy multiple virtual resource use activities, the number of virtual resource use activities satisfied by the current target business operation can be determined. If the number of virtual resource use activities satisfied by the current target business operation is unique, virtual resource deductions can be made according to the virtual resource use activities to complete the current target business operation. On the contrary, if the number of virtual resource use activities satisfied by the current target business operation is greater than one, the target number of virtual resources used by the current target business operation can be determined based on the activity time of each virtual resource use activity and the number of available virtual resources. For example, the number of virtual resources used this time, i.e., the target number of virtual resources, can be determined in descending order of the number of available virtual resources and ascending order of the activity end time of the virtual resource use activity. Then, the current target business operation can be completed based on the target number of virtual resources.

[0101] In a further possible implementation, the target business operations in the above method embodiments are all forward business operations. Since the business operation process may also be reverse, such as reversing business operations, canceling business operations and other business processing, the occurrence of such business operations will usually result in the return of the operated resources. Similarly, the virtual resources used in the target business operation will also be returned to the user account. Therefore, in the case where the target business operation is a reverse business operation, the virtual resource management method provided in the embodiment of the present application also includes the following processing:

[0102] When the target business operation is a reverse business operation, the method further includes:

[0103] When it is detected that the user uses the target card to perform a reverse business operation, determine the forward business operation corresponding to the reverse business operation;

[0104] The amount of virtual resources in the user account is updated according to the business information of the forward business operation corresponding to the reverse business operation; wherein the business information of the forward business operation corresponding to the reverse business operation includes the activity information in which the forward business operation corresponding to the reverse business operation participates, the amount of virtual resources used, and the details of the virtual resources used.

[0105] In an embodiment of the present application, if it is detected that the user uses the target card to perform a reverse business operation, the forward business operation corresponding to this reverse business operation can be determined. For example, assuming that this reverse business operation is a refund transaction, the forward deduction transaction corresponding to the refund transaction can be obtained. Then, the business information of the forward business operation can be obtained, for example, the activity information involved in the forward business operation, the number of virtual resources used, the details of the virtual resources spent, and other information can be obtained. Afterwards, the number of virtual resources in the user account can be updated according to the business information of the forward business operation corresponding to the reverse business operation. It is understandable that the number of virtual resources in the user account can also be increased according to the business information of the forward business operation corresponding to the reverse business operation.

[0106] In a possible implementation manner, the virtual resource management method provided in the present application may further include the following processing:

[0107] Monitoring data of business operations performed by the target card using virtual resources;

[0108] When it is monitored that the number of reverse business operations performed using virtual resources by the target card within a preset time period accounts for a proportion of the total number of business operations performed using virtual resources by the target card that is greater than or equal to a preset number, the target card is added to a preset blacklist; wherein the preset blacklist is used to instruct the target card to stop using virtual resources for business operations.

[0109] In an embodiment of the present application, the business operation of the target card can also be monitored, and when the business operation of the target card is monitored to be abnormal, the target card is added to the blacklist. Exemplarily, the data of the target card using virtual resources for business operations can be monitored, such as monitoring the acquisition of virtual resources, the use of virtual resources, and the return of virtual resources of the target card. The number of reverse business operations using virtual resources by the target card within a preset period is counted, such as the number of business operations of refunding and returning goods using virtual resources by the target card in the past few months (such as 3 months, 5 months, 6 months, etc.). And, the total number of business operations using virtual resources by the target card is counted. For example, the number of forward business operations using virtual resources by the target card in the past few months (such as 3 months, 5 months, 6 months, etc.) is counted. Then, the number of reverse business operations using virtual resources by the target card can be calculated, and the proportion of the total number of business operations using virtual resources by the target card can be compared with the preset proportion to determine whether the proportion is greater than or equal to the preset proportion. The preset proportion can be set according to the actual situation, for example, it can be set to 40%, 50%, etc. If the proportion is greater than or equal to the preset proportion, the target card may be added to a preset blacklist to stop the target card from using virtual resources for business operations.

[0110] To make the virtual resource management method provided in the embodiment of the present application clearer, the following is combined with Figure 2 and Figure 3 The virtual resource management method provided by the present application is described. This embodiment takes the target business operation as a consumption operation and the virtual resource as a bonus as an example. Correspondingly, the virtual resource usage conditions and virtual resource allocation rules can be the bonus usage conditions and bonus allocation rules, respectively. The virtual resource management method provided by the present application can realize automatic matching and real-time effectiveness of the bonus rules through four interconnected and collaborative modules in conjunction with the authorized transaction scenario. The details are as follows:

[0111] (1) Consumption authorization: The consumption transaction flow can be pushed to the discount processing module via asynchronous messaging. The consumption transaction flow may include, for example, consumption transaction elements (such as user information, card information, transaction information, etc.), and transaction direction (such as forward transaction, reverse transaction, etc., reverse transaction may be, for example, reversal transaction, cancellation transaction, return transaction, etc.).

[0112] (2) The bonus processing module can realize the matching of current transactions with preferential activities, the screening of the most preferential activities, the checking and updating of activity limits and times, the generation of bonus account information, and the notification of users through the network model. For example, the activity limit and time information can be customized and extended by simply adding the corresponding type restriction code. The example of limit and time can be as follows:

[0113] i. The quota and number of times information for a single activity may include the cumulative usage amount and the cumulative number of times used, the set quota and number of times. The dimensions of the quota and number of times information for a single activity may be: daily / monthly / quarterly / activity period, etc.

[0114] ii. The quota and number of times information at the user dimension may include the cumulative usage amount and the cumulative number of times of use, the set quota and number of times. The quota and number of times information at the user dimension may also be: daily / monthly / quarterly / activity period, etc.

[0115] (3) The core accounting module is used to record the preferential accounting information of the incentive payment and generate corresponding reports.

[0116] (4) Bounty rules module, used to add and maintain bounty activities.

[0117] The following takes forward trading and reverse trading as examples. Figure 2 and Figure 3 The process of obtaining and spending the bonus is explained as follows:

[0118] (1) A positive transaction to obtain a bonus. The bonus processing module can traverse the bonus allocation rules through the second smart contract to match, traverse the restriction conditions of each activity to match, screen out eligible activities, and successfully obtain the bonus. If any rule in the bonus allocation rules does not match, the activity is skipped. Exemplary, it can include the following process:

[0119] a. Carry out activity merchant information matching, activity date matching, payment channel matching, card parameter screening matching (including card type, account type, card level, card number segment, card organization, etc.), and the bonus allocation rules can support addition and expansion;

[0120] b. Calculation of bonus amount for multiple activities: Check the limit and number of times of activities that meet the bonus allocation rules, and check the limit and number of times of users and activities;

[0121] c. Calculation of available bonus amount and selection of the most favorable activities: Sort multiple favorable activities that meet the bonus allocation rules by bonus amount (descending order) and activity end time (ascending order);

[0122] d) Local activity amount deduction: clarify the deduction direction and deduct the amount from the bonus amount in the card user's account according to the deduction ratio;

[0123] e. Locally update the user and activity limit information, insert the customer and activity log information of the obtained bonus, and insert the detailed information of the obtained bonus;

[0124] f. Send a reward information notification to the user.

[0125] (2) Reverse transaction for obtaining bonus. The transaction direction of the current consumption (including positive transaction, reversal transaction, cancellation transaction, reversal transaction, return transaction, return reversal transaction, etc.), among which, reversal transaction, cancellation transaction and return transaction are regarded as reverse transaction.

[0126] a) Match the original transaction corresponding to the reverse transaction;

[0127] b) Fill in the information required for the reverse transaction, including the activity information of the original transaction, the amount of bonus used by the original transaction, the number of times the original transaction participated in the bonus, and the details of the bonus obtained by the original transaction;

[0128] c) Reverse update of activity limit information, reverse transaction account information, and update of original bonus details.

[0129] (3) Spending bonuses for positive transactions. The bonus processing module processes the bonus usage condition matching through the bonus payment model, traverses the bonus usage conditions of each activity for matching, screens out the activity rules that meet the bonus usage conditions, and successfully spends the bonus. If any bonus usage conditions do not match, the activity is skipped. The details are as follows:

[0130] a) Matching of merchant information, activity date, payment channel, and card parameter screening (including card type, account type, card level, card number segment, card organization, etc.). Bonus allocation rules can be added and expanded;

[0131] b) Calculation of the amount of bonus available for each activity that meets the conditions for using the bonus: check the limit and number of times of the activities that meet the conditions for using the bonus, and check the limit and number of times of the users and the activities that meet the conditions for using the bonus;

[0132] c) Calculation of the amount of bonuses to be spent and screening of the most favorable activities: sorting multiple activities that meet the bonus usage conditions according to the amount of bonuses that can be spent (in descending order) and the end time of the activities (in ascending order);

[0133] d) Insert user activity log information of bonus payment, account information of bonus payment, and update bonus payment details;

[0134] e) Send information about bonus disbursement to the user.

[0135] (4) Use the bonus for reverse transactions. The details are as follows:

[0136] a) Match the original transaction corresponding to the reverse transaction;

[0137] b) Fill in the information required for the reverse transaction, including the participation activity information of the original transaction, the amount of the used bonus of the original transaction, the detailed information of the bonus spent on the original transaction, etc.;

[0138] c) Account entry information of reverse bonus payment transaction and update of original bonus payment details.

[0139] The specific implementation and technical effects of each step of this embodiment are similar to those of the above method embodiments, and will not be repeated here.

[0140] Based on the same inventive concept, the embodiment of the present application also provides a virtual resource management device. Figure 4 As shown, the virtual resource management device 400 includes:

[0141] The verification module 410 is used to verify the identity of the user when it is detected that the user uses the target card to perform the target business operation; wherein the identity verification includes at least one of multi-factor verification and biometric verification;

[0142] Authorization module 420, used for performing service authorization processing on the target service operation when the user identity authentication is passed;

[0143] The acquisition module 430 is used to obtain the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache after the business authorization is performed; wherein the virtual resources are obtained from the historical business operations of the user;

[0144] A determination module 440, configured to determine whether the current target business operation satisfies the virtual resource usage condition based on the business information of the current target business operation through a first smart contract;

[0145] A calculation module 450, configured to calculate the amount of virtual resources that can be used for the current target business operation through the first smart contract when the current target business operation meets the virtual resource usage condition;

[0146] The operation module 460 is used to complete the current target business operation based on the number of virtual resources available for the current target business operation.

[0147] In a possible implementation manner, the virtual resource management device 400 further includes:

[0148] A historical data acquisition module is used to acquire business information of historical business operations and virtual resource allocation rules in the Redis cache when it is detected that a user uses a target card to perform historical business operations; wherein the historical business operations are business operations before the current target business operation;

[0149] A rule determination module, configured to determine whether the historical business operation satisfies the virtual resource allocation rule based on the business information of the historical business operation through a second smart contract;

[0150] a resource calculation module, configured to calculate, by the second smart contract, the number of virtual resources that can be allocated for the historical business operation when the historical business operation satisfies the virtual resource allocation rule;

[0151] The resource allocation module is used to allocate virtual resources to the user account based on the number of virtual resources that can be allocated by the historical business operations.

[0152] In a possible implementation, the business information includes the amount of the business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation;

[0153] The determination module 440 is used to:

[0154] The first smart contract is used to determine whether the business operation amount, business operation time, business operation channel, target card parameters, and merchant information corresponding to the business operation of the current target business operation meet the virtual resource usage conditions.

[0155] In a possible implementation, the virtual resource usage conditions include activity usage limit, activity date, business operation channel corresponding to the activity, activity card parameters, and activity merchant information:

[0156] The determining module 440 is configured to:

[0157] The first smart contract is used to detect whether the amount of the business operation meets the activity usage limit, whether the business operation time is within the activity date, whether the business operation channel belongs to the business operation channel corresponding to the activity, whether the target card parameters belong to the activity card parameters, and whether the merchant information corresponding to the business operation belongs to the activity merchant information.

[0158] In a possible implementation, the calculation module 450 is used to:

[0159] In the case where the current target business operation satisfies the virtual resource usage condition, determining the virtual resource usage activity satisfied by the current target business operation based on the business information of the current target business operation through the first smart contract, and calculating the amount of usable virtual resources corresponding to the virtual resource usage activity; the virtual resource usage activity may be one or more;

[0160] The operation module 460 is used to:

[0161] When the number of virtual resource usage activities satisfied by the current target business operation is greater than one, determining the target number of available virtual resources for the current target business operation according to the activity time and the number of available virtual resources of each virtual resource usage activity;

[0162] Based on the target amount of virtual resources available for the current target business operation, the current target business operation is completed.

[0163] In a possible implementation, the consumption is a positive transaction;

[0164] In the case where the target service operation is a reverse service operation, the virtual resource management device 400 further includes:

[0165] A business operation determination module, configured to determine a forward business operation corresponding to the reverse business operation when detecting that the user uses the target card to perform a reverse business operation;

[0166] A resource update module is used to update the number of virtual resources of the user account according to the business information of the forward business operation corresponding to the reverse business operation; wherein the business information of the forward business operation corresponding to the reverse business operation includes the activity information participated in by the forward business operation corresponding to the reverse business operation, the number of virtual resources used, and the details of the virtual resources used.

[0167] The specific implementation method and technical effect of the device provided in the embodiment of the present application are similar to those of the above-mentioned method embodiment and will not be repeated here.

[0168] According to an embodiment of the present application, the present application also discloses an electronic device, a computer-readable storage medium and a computer program product.

[0169] Figure 5A schematic block diagram of an example electronic device 500 that can be used to implement an embodiment of the present application is shown. The electronic device 500 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present application described and / or required herein.

[0170] like Figure 5 As shown, the electronic device 500 includes a computing unit 501, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 502 or a computer program loaded from a storage unit 508 into a random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the device 500 can also be stored. The computing unit 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0171] Multiple components in the electronic device 500 are connected to the I / O interface 505, including: an input unit 506, such as a keyboard, a mouse, etc.; an output unit 507, such as various types of displays, speakers, etc.; a storage unit 508, such as a disk, an optical disk, etc.; and a communication unit 509, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 509 allows the electronic device 500 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0172] The computing unit 501 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the computing unit 501 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various dedicated artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, digital signal processors (DSPs), and any appropriate processors, controllers, microcontrollers, etc. The computing unit 501 performs the various methods and processes described above, such as the virtual resource management method. For example, in some embodiments, the virtual resource management method may be implemented as a computer software program, which is tangibly contained in a machine-readable medium, such as a storage unit 508. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 500 via ROM 502 and / or communication unit 509. When the computer program is loaded into RAM 503 and executed by the computing unit 501, one or more steps of the virtual resource management method described above may be performed. Alternatively, in other embodiments, the computing unit 501 may be configured to perform the virtual resource management method in any other appropriate manner (e.g., by means of firmware).

[0173] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0174] The program code of the computer program product for implementing the method of the present application can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that the program code, when executed by the processor or controller, enables the functions / operations specified in the flow chart and / or block diagram to be implemented. The program code can be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0175] In the context of the present application, a computer-readable storage medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, device, or equipment. A computer-readable storage medium may be a machine-readable signal medium or a machine-readable storage medium. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or equipment, or any suitable combination of the foregoing. A more specific example of a computer-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0176] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0177] The systems and techniques described herein can be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), the Internet, and a blockchain network.

[0178] A computer system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The relationship between the client and the server is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services ("Virtual Private Server", or "VPS" for short). The server may also be a server of a distributed system, or a server combined with a blockchain.

[0179] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps recorded in this disclosure can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution disclosed in this application can be achieved, and this document is not limited here.

[0180] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A virtual resource management method, characterized in that: include: When it is detected that a user uses a target card to perform a target business operation, identity verification is performed on the user; wherein the identity verification includes at least one of multi-factor verification and biometric verification; When the user identity verification is passed, performing business authorization processing on the target business operation; After the business authorization is performed, the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache are obtained; wherein the virtual resources are obtained from the historical business operations of the user; Determining, through a first smart contract, whether the current target business operation satisfies the virtual resource usage condition based on the business information of the current target business operation; When the current target business operation satisfies the virtual resource usage condition, the amount of virtual resources that can be used for the current target business operation is calculated through the first smart contract; The current target business operation is completed based on the amount of virtual resources available for the current target business operation.

2. The virtual resource management method according to claim 1, characterized in that: In the case where it is detected that a user uses a target card to perform a target business operation, before authenticating the user, the method further includes: When it is detected that the user uses the target card to perform a historical business operation, obtain the business information of the historical business operation, and obtain the virtual resource allocation rule in the Redis cache; wherein the historical business operation is the business operation before the current target business operation; Determining, by a second smart contract based on the business information of the historical business operations, whether the historical business operations satisfy the virtual resource allocation rules; When the historical business operation satisfies the virtual resource allocation rule, the amount of virtual resources that can be allocated for the historical business operation is calculated by the second smart contract; Allocate virtual resources to the user account based on the number of virtual resources that can be allocated by the historical business operations.

3. The virtual resource management method according to claim 1, characterized in that: The business information includes the amount of the business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation; The determining, through the first smart contract and based on the business information of the current target business operation, whether the current target business operation satisfies the virtual resource usage condition includes: The first smart contract is used to determine whether the business operation amount, business operation time, business operation channel, target card parameters, and merchant information corresponding to the business operation of the current target business operation meet the virtual resource usage conditions.

4. The virtual resource management method according to claim 3, characterized in that: The virtual resource usage conditions include activity usage limit, activity date, business operation channel corresponding to the activity, activity card parameters, and activity merchant information: The determining, through the first smart contract, whether the amount of the business operation, the business operation time, the business operation channel, the target card parameters, and the merchant information corresponding to the business operation of the current target business operation meet the virtual resource usage conditions includes: The first smart contract is used to detect whether the amount of the business operation meets the activity usage limit, whether the business operation time is within the activity date, whether the business operation channel belongs to the business operation channel corresponding to the activity, whether the target card parameters belong to the activity card parameters, and whether the merchant information corresponding to the business operation belongs to the activity merchant information.

5. The virtual resource management method according to claim 3, characterized in that: When the current target business operation satisfies the virtual resource usage condition, calculating the amount of virtual resources that can be used for the current target business operation through the first smart contract includes: In the case where the current target business operation satisfies the virtual resource usage condition, determining the virtual resource usage activity satisfied by the current target business operation based on the business information of the current target business operation through the first smart contract, and calculating the amount of usable virtual resources corresponding to the virtual resource usage activity; the virtual resource usage activity may be one or more; The completing the current target business operation based on the amount of virtual resources available for the current target business operation includes: When the number of virtual resource usage activities satisfied by the current target business operation is greater than one, determining the target number of available virtual resources for the current target business operation according to the activity time and the number of available virtual resources of each virtual resource usage activity; Based on the target amount of virtual resources available for the current target business operation, the current target business operation is completed.

6. The virtual resource management method according to any one of claims 1 to 5, characterized in that: The consumption described is a positive transaction; In the case where the target business operation is a reverse business operation, the method further includes: In the case where it is detected that the user uses the target card to perform a reverse business operation, determining a forward business operation corresponding to the reverse business operation; The amount of virtual resources of the user account is updated according to the business information of the forward business operation corresponding to the reverse business operation; wherein the business information of the forward business operation corresponding to the reverse business operation includes the activity information in which the forward business operation corresponding to the reverse business operation participates, the amount of virtual resources used, and the details of the virtual resources used.

7. A virtual resource management device, characterized in that: include: A verification module, used to authenticate the user when it is detected that the user uses the target card to perform the target business operation; wherein the identity authentication includes at least one of multi-factor authentication and biometric authentication; An authorization module is used to perform business authorization processing on the target business operation when the user identity authentication is passed; An acquisition module, used to acquire the business information of the current target business operation, the number of virtual resources of the user account, and the use conditions of the virtual resources in the Redis cache after the business authorization is performed; wherein the virtual resources are obtained from the historical business operations of the user; A determination module, configured to determine whether the current target business operation satisfies the virtual resource usage condition based on the business information of the current target business operation through a first smart contract; A calculation module, configured to calculate, through the first smart contract, the amount of virtual resources that can be used for the current target business operation if the current target business operation meets the virtual resource usage condition; The operation module is used to complete the current target business operation based on the number of virtual resources available for the current target business operation.

8. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement the virtual resource management method according to any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the virtual resource management method according to any one of claims 1 to 6 is implemented.

10. A computer program product comprising a computer program / instructions, characterized in that When the computer program / instructions are executed by a processor, the virtual resource management method according to any one of claims 1 to 6 is implemented.

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