Virtual resource product processing method and device, equipment and storage medium

Abstract

The invention provides a virtual resource product processing method and device, electronic equipment and a computer readable storage medium. The method comprises the steps of displaying an account creation page in response to a trigger operation of a target object for an account creation entry; in response to an account editing operation, displaying edited account information in the account creation page, the account information comprising at least one of the following: a payment account for paying virtual resources, a virtual resource mechanism for receiving the virtual resources transferred from the payment account, and a purchase strategy for virtual resource products; and in response to an account creation operation, creating an exclusive account of the target object in the virtual resource mechanism based on the account information, the exclusive account being used for purchasing a target virtual resource product by using a virtual resource of a target amount under the condition that the virtual resource of the target amount is transferred to the exclusive account. According to the invention, the flexibility of purchasing the virtual resource product by the user can be improved.

Description

Technical Field

[0001] The present application relates to human-computer interaction technology, and in particular to a processing method, device, equipment and storage medium for a virtual resource product. Background Art

[0002] In the related art, most users purchase virtual resource products directly through bank transfers or flexible money funds on the virtual resource product platform. However, the limited amount of money funds in this method, or the fact that bank transfers may be subject to restrictions on transfer amount, transfer frequency and time window, may affect the flexibility of users in purchasing virtual resource products. Summary of the invention

[0003] The embodiments of the present application provide a method, device, electronic device, computer-readable storage medium, and computer program product for processing a virtual resource product, which can improve the flexibility of users in purchasing virtual resource products.

[0004] The technical solution of the embodiment of the present application is implemented as follows:

[0005] The present application embodiment provides a method for processing a virtual resource product, including:

[0006] In response to a trigger operation of the target object on an account creation entry, displaying an account creation page;

[0007] In response to the account editing operation, displaying the edited account information in the account creation page, the account information including at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase policy for virtual resource products;

[0008] In response to the account creation operation, an exclusive account for the target object is created in the virtual resource organization based on the account information, wherein the exclusive account is used to purchase target virtual resource products using the target amount of virtual resources when the target amount of virtual resources is transferred to the exclusive account.

[0009] The embodiment of the present application provides a processing device for a virtual resource product, including:

[0010] A page display module, configured to display an account creation page in response to a trigger operation of a target object on an account creation entry;

[0011] An editing and displaying module, configured to display the edited account information in the account creation page in response to the account editing operation, wherein the account information includes at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase strategy for virtual resource products;

[0012] An account creation module is used to create an exclusive account for the target object in the virtual resource organization based on the account information in response to an account creation operation, wherein the exclusive account is used to purchase the target virtual resource product with the virtual resources of the target amount when the virtual resources of the target amount are transferred to the exclusive account.

[0013] In the above scheme, after creating an exclusive account for the target object based on the account information, the device also includes: a purchase processing module, which is used to obtain a first transfer remark when the target object transfers out the virtual resources of the target amount in response to the transfer of the virtual resources of the target amount from the payment account to the exclusive account; based on the first transfer remark and the purchase strategy, determine the target virtual resource product to be purchased, and use the virtual resources of the target amount to purchase the target virtual resource product.

[0014] In the above scheme, the purchase processing module is also used to match the first virtual resource product indicated for purchase by the first transfer note based on the purchase strategy; in response to a successful matching of the first virtual resource product, the first virtual resource product is determined as the target virtual resource product to be purchased; in response to a failure to match the first virtual resource product, the default virtual resource product preset in the purchase policy is determined as the target virtual resource product to be purchased.

[0015] In the above scheme, the purchase processing module is also used to display a first replacement prompt message in response to a failure to match the first virtual resource product, wherein the first replacement prompt message is used to prompt the replacement of the default virtual resource product; in response to a trigger operation for the first replacement prompt message, display at least one virtual resource product for selection; and in response to a product selection operation, determine the selected second virtual resource product as the target virtual resource product to be purchased.

[0016] In the above scheme, the purchase processing module is further used to respond to the order application operation triggered by the target object, display an order application page, the order application page includes an amount editing area and a payment method option; in response to the order editing operation, display the target amount of the virtual resources to be paid in the amount editing area, and when the payment method is set to the transfer payment method based on the payment method option, display the account information of the dedicated account; in response to the order confirmation operation, generate a purchase order and provide a transfer payment entry, the transfer payment entry is used to transfer the virtual resources of the target amount to the dedicated account through the transfer payment method;

[0017] In response to the target amount of virtual resources having been transferred to the dedicated account, a target virtual resource product to be purchased is determined based on the purchase order, and the target virtual resource product is purchased using the target amount of virtual resources.

[0018] In the above scheme, the purchase processing module is also used to display at least one virtual resource product in the information page on the virtual resource platform; in response to the target object's order application operation for the third virtual resource product, display the order application page corresponding to the third virtual resource product, and the order application page includes the first product identification of the third virtual resource product; in response to the order confirmation operation, generate a purchase order carrying the first product identification; determine the third virtual resource product indicated by the first product identification in the purchase order as the target virtual resource product to be purchased.

[0019] In the above scheme, the purchase processing module is also used to display a purchase entrance in the information page on the virtual resource platform; in response to the trigger operation of the target object on the purchase entrance, an order application page is displayed, and the order application page includes a product identification editing area; in response to the identification editing operation, the edited second product identification is displayed in the product identification editing area; in response to the order confirmation operation, a purchase order carrying the second product identification is generated.

[0020] In the above scheme, the purchase processing module is also used to match the fourth virtual resource product indicated by the second product identifier based on the purchase strategy; in response to the fourth virtual resource product matching successfully, the fourth virtual resource product is determined as the target virtual resource product to be purchased; in response to the fourth virtual resource product matching failing, the default virtual resource product preset in the purchase policy is determined as the target virtual resource product to be purchased.

[0021] In the above scheme, the purchase processing module is also used to display a second replacement prompt information in response to the failure of matching the fourth virtual resource product, and the second replacement prompt information is used to prompt the replacement of the default virtual resource product; in response to the triggering operation of the product replacement prompt information, display at least one virtual resource product available for selection; in response to the product selection operation, determine the selected fifth virtual resource product as the target virtual resource product to be purchased.

[0022] In the above scheme, after the purchase order is generated and the transfer payment entry is provided, the purchase processing module is also used to send payment reminder information for the purchase order to the payment account of the target object; wherein the payment reminder information is used to prompt the target object to transfer the virtual resources of the target amount from the payment account to the exclusive account.

[0023] In the above scheme, before using the virtual resources of the target amount to purchase the target virtual resource product, the purchase processing module is also used to jump to the transfer page of the payment account in response to the trigger operation of the transfer payment entrance; in response to the transfer amount input operation, display the transfer amount entered by the target object; in response to the transfer confirmation operation, transfer the virtual resources of the transfer amount from the payment account to the exclusive account; in response to the transfer amount being consistent with the target amount, use the virtual resources of the target amount to purchase the target virtual resource product.

[0024] In the above solution, the purchase processing module is further used to purchase the target virtual resource product using the virtual resources of the transfer amount in response to the inconsistency between the transfer amount and the target amount.

[0025] In the above scheme, before the virtual resources of the transfer amount are transferred from the payment account to the exclusive account, the purchase processing module is also used to display the edited second transfer remark in response to the transfer remark editing operation; wherein, the second transfer remark is used to determine the target virtual resource product to be purchased.

[0026] In the above scheme, the purchase order carries a third product identifier, and the target object edits a third transfer remark when the virtual resources of the target amount are transferred to the exclusive account; the purchase processing module is also used to determine the target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product in response to the sixth virtual resource product corresponding to the third product identifier being different from the seventh virtual resource product matched based on the third transfer remark.

[0027] In the above scheme, the purchase processing module is also used to display selection prompt information, and the selection prompt information is used to prompt the target object to select a virtual resource product to be purchased from at least the sixth virtual resource product and the seventh virtual resource product; in response to a selection operation triggered by the selection prompt information, the selected virtual resource product is determined as the target virtual resource product to be purchased.

[0028] In the above scheme, the purchase processing module is also used to determine the first matching degree between the target object and the sixth virtual resource product, and the second matching degree between the target object and the seventh virtual resource product; and the virtual resource product corresponding to the largest matching degree between the first matching degree and the second matching degree is determined as the target virtual resource product to be purchased.

[0029] In the above scheme, the purchase processing module is also used to determine the manual confirmation result for the exclusive account in response to the purchase strategy including a manual confirmation strategy, when the virtual resources of the target amount are transferred to the exclusive account; in response to the manual confirmation result indicating confirmation is passed, the target virtual resource product is purchased using the virtual resources of the target amount.

[0030] An embodiment of the present application provides an electronic device, including:

[0031] A memory for storing computer executable instructions or computer programs;

[0032] The processor is used to implement the processing method of the virtual resource product provided in the embodiment of the present application when executing the computer executable instructions or computer program stored in the memory.

[0033] An embodiment of the present application provides a computer-readable storage medium storing computer-executable instructions or a computer program for implementing a method for processing a virtual resource product provided in an embodiment of the present application when executed by a processor.

[0034] An embodiment of the present application provides a computer program product, including a computer program or computer executable instructions. When the computer program or computer executable instructions are executed by a processor, the processing method of the virtual resource product provided in the embodiment of the present application is implemented.

[0035] The embodiments of the present application have the following beneficial effects:

[0036] In the application of the embodiment of the present application, before the target object purchases a virtual resource product on the virtual resource platform, in response to the target object's triggering operation on the account creation entrance, an account creation page is displayed; in response to the account editing operation, the edited account information is displayed in the account creation page, wherein the account information includes at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase policy for virtual resource products; in response to the account creation operation, an exclusive account for the target object is created in the virtual resource institution based on the account information, and when virtual resources of a target amount (which can be set arbitrarily according to actual needs) are transferred to the exclusive account, the virtual resource product platform can use the virtual resources of the target amount to purchase the target virtual resource product; since the target object's exclusive account is created autonomously by the target object, such as the payment account, virtual resource institution or purchase policy, etc., which are all customized by the target object, the target object can transfer any amount of virtual resources according to actual needs to purchase the target virtual resource product, which greatly improves the flexibility and initiative of users in purchasing virtual resource products. BRIEF DESCRIPTION OF THE DRAWINGS

[0037] Figure 1is a schematic diagram of the architecture of a processing system 100 for a virtual resource product provided in an embodiment of the present application;

[0038] Figure 2 is a schematic diagram of the structure of an electronic device 500 provided in an embodiment of the present application;

[0039] Figure 3 It is a flowchart of a method for processing virtual resource products provided in an embodiment of the present application;

[0040] Figure 4 This is a schematic diagram of an account creation page provided in an embodiment of the present application;

[0041] Figure 5 It is a schematic diagram of the creation result of a dedicated account provided in an embodiment of the present application;

[0042] Figure 6 This is a purchase order confirmation diagram provided in an embodiment of the present application;

[0043] Figure 7 This is a purchase order confirmation diagram provided in an embodiment of the present application;

[0044] Figure 8 This is a schematic diagram of purchasing a virtual resource product provided in an embodiment of the present application;

[0045] Fig. 9 This is a schematic diagram of purchasing a virtual resource product provided in an embodiment of the present application;

[0046] Fig.10 This is a schematic diagram of the creation process of a dedicated account provided in an embodiment of the present application;

[0047] Fig.11 This is a schematic diagram of the purchase process of the virtual resource product provided in the embodiment of the present application;

[0048] Fig.12 It is a schematic diagram of the purchase process of the virtual resource product provided in the embodiment of the present application. DETAILED DESCRIPTION

[0049] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings. The described embodiments should not be regarded as limiting the present application. All other embodiments obtained by ordinary technicians in the field without making creative work are within the scope of protection of this application.

[0050] It is understandable that in the embodiments of the present application, when user information and other related data (such as user trigger operations, team attributes or role characteristics, etc.) are involved, when the embodiments of the present application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards.

[0051] In the following description, reference is made to “some embodiments”, which describe a subset of all possible embodiments, but it will be understood that “some embodiments” may be the same subset or different subsets of all possible embodiments and may be combined with each other without conflict.

[0052] In the following description, the terms "first\second..." are merely used to distinguish similar objects and do not represent a specific ordering of the objects. It can be understood that "first\second..." can be interchanged with a specific order or sequence where permitted, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein.

[0053] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program with a predetermined function, and works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as processing circuits or memories) or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be part of an overall module or unit that includes the function of the module or unit.

[0054] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.

[0055] Before further describing the embodiments of the present application in detail, the nouns and terms involved in the embodiments of the present application are explained. The nouns and terms involved in the embodiments of the present application are subject to the following interpretations.

[0056] 1) Client: an application running in the terminal to provide various services, such as a video player client, a game client, etc.

[0057] 2) In response, it is used to indicate the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more operations executed may be in real time or have a set delay. Unless otherwise specified, there is no restriction on the order of execution of the multiple operations executed.

[0058] The embodiments of the present application provide a method, device, electronic device, computer-readable storage medium and computer program product for processing virtual resource products, which can improve the flexibility of users in purchasing virtual resource products. The exemplary application of the electronic device provided by the embodiments of the present application is described below. The electronic device provided by the embodiments of the present application can be implemented as various types of user terminals such as laptop computers, tablet computers, desktop computers, set-top boxes, mobile devices (e.g., mobile phones, portable music players, personal digital assistants, dedicated messaging devices, portable gaming devices), smart phones, smart speakers, smart watches, smart TVs, vehicle-mounted terminals, augmented reality (AR, Augmented Reality) devices and virtual reality (VR, Virtual Reality) devices, and can also be implemented as servers. Below, an exemplary application when the device is implemented as a terminal will be described.

[0059] See also Figure 1 , Figure 1 It is an architectural diagram of a processing system 100 for a virtual resource product provided in an embodiment of the present application. To support an exemplary application, a terminal (terminal 400-1 and terminal 400-2 are shown as examples) is connected to a server 200 via a network 300. The network 300 may be a wide area network or a local area network, or a combination of the two.

[0060] In some embodiments, the server 200 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and big data and artificial intelligence platforms. The terminal 400 may be a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart speaker, a smart watch, a car terminal, etc., but is not limited thereto. The terminal and the server may be directly or indirectly connected via wired or wireless communication, which is not limited in the embodiments of the present application.

[0061] In actual application, a client with a processing function of virtual resource products (i.e., the front end of a virtual resource product platform for purchasing virtual resource products) is provided on the terminal, and the server is a backend server corresponding to the client (i.e., the backend of the virtual resource product platform). When the target object opens the client on the terminal, before purchasing the virtual resource product, in response to the trigger operation of the target object for the account creation entrance, the account creation page is displayed; in response to the account editing operation, the edited account information is displayed in the account creation page, wherein the account information includes at least one of the following: a payment account for paying virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase strategy for virtual resource products; in response to the account creation operation, an account creation request is sent to the server 200; the server 200 sends the account creation request to the virtual resource institution (such as a bank having a cooperative relationship with the virtual resource product platform), and the virtual resource institution creates an exclusive account for the target object based on the account information carried in the account creation request. When the target object transfers the target amount of virtual resources to the exclusive account, the virtual resource product platform can use the target amount of virtual resources to purchase the target virtual resource product.

[0062] See also Figure 2 , Figure 2 is a schematic diagram of the structure of an electronic device 500 provided in an embodiment of the present application, taking the electronic device 500 as Figure 1 For example, the terminal in Figure 2 The electronic device 500 shown includes: at least one processor 510, a memory 550, at least one network interface 520 and a user interface 530. The various components in the electronic device 500 are coupled together via a bus system 540. It is understood that the bus system 540 is used to achieve connection and communication between these components. In addition to the data bus, the bus system 540 also includes a power bus, a control bus and a status signal bus. However, for the sake of clarity, the bus system 540 is not described in detail. Figure 2 Various buses are labeled as bus system 540 .

[0063] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc., where the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0064] The memory 550 includes a volatile memory or a non-volatile memory, and may also include both volatile and non-volatile memories. Among them, the non-volatile memory may be a read-only memory (ROM), and the volatile memory may be a random access memory (RAM). The memory 550 described in the embodiment of the present application is intended to include any suitable type of memory. The memory 550 optionally includes one or more storage devices that are physically far away from the processor 510.

[0065] In some embodiments, the memory 550 can store data to support various operations, examples of which include programs, modules, and data structures, or a subset or superset thereof, as exemplarily described below.

[0066] The operating system 551 includes system programs for processing various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic businesses and processing hardware-based tasks; a network communication module 552 is used to reach other electronic devices via one or more (wired or wireless) network interfaces 520. Exemplary network interfaces 520 include: Bluetooth, Wireless Compatibility Certification (WiFi), and Universal Serial Bus (USB), etc.

[0067] In some embodiments, the processing device of the virtual resource product provided in the embodiments of the present application can be implemented in software. The processing device of the virtual resource product provided in the embodiments of the present application can be provided as various software embodiments, including various forms including application programs, software, software modules, scripts or codes. Figure 2 A processing device 555 for a virtual resource product stored in a memory 550 is shown, which may be software in the form of a program or plug-in, and includes a series of modules, including a page display module 5551, an editing display module 5552, and an account creation module 5553. These modules are logical, and therefore may be arbitrarily combined or further split according to the functions implemented. The functions of each module will be described below.

[0068] In other embodiments, the device provided in the embodiments of the present application can be implemented in hardware. As an example, the device provided in the embodiments of the present application can be a processor in the form of a hardware decoding processor, which is programmed to execute the processing method of the virtual resource product provided in the embodiments of the present application. For example, the processor in the form of a hardware decoding processor can adopt one or more application specific integrated circuits (Application Specific Integrated Circuit, ASIC), digital signal processors (Digital Signal Processor, DSP), programmable logic devices (Programmable Logic Device, PLD), complex programmable logic devices (Complex Programmable Logic Device, CPLD), field programmable gate arrays (Field-Programmable Gate Array, FPGA) or other electronic components.

[0069] In some embodiments, the terminal or server can implement the processing method of the virtual resource product provided in the embodiment of the present application by running various computer executable instructions or computer programs. For example, the computer executable instructions can be commands, machine instructions or software instructions at the microprogram level. The computer program can be a native program or software module in the operating system; it can be a local (Native) application (APPlication, APP), that is, a program that needs to be installed in the operating system to run, such as an instant messaging APP, a financial management APP; it can also be a small program that can be embedded in any APP, that is, a program that can be run only by downloading it to a browser environment. In short, the above-mentioned computer executable instructions can be instructions in any form, and the above-mentioned computer program can be an application, module or plug-in in any form.

[0070] As mentioned above, the processing method of the virtual resource product provided in the embodiment of the present application can be implemented by various types of electronic devices, for example, Figure 1 The terminal and the server 200 in the embodiment can be executed by either one of them separately, or by Figure 1 The terminal and server 200 in the embodiment cooperate to execute. Figure 1 The terminal in the embodiment of the present application executes the processing method of the virtual resource product provided by the embodiment of the present application as an example. Figure 3 , Figure 3 is a flowchart of a method for processing virtual resource products provided in an embodiment of the present application, which will be combined with Figure 3 The steps shown are explained.

[0071] Step 101: The terminal displays an account creation page in response to a trigger operation of a target object on an account creation entry.

[0072] In actual applications, when the target object opens a client with a virtual resource product processing function on the terminal (i.e., the front end of the virtual resource product platform), the virtual resource products available for purchase and an account creation portal for creating an exclusive account can be displayed on the client. Before purchasing the virtual resource product, the target object can create an exclusive account for purchasing the virtual resource product through the account creation portal. In this way, the target object can transfer the virtual resources to his or her exclusive account at any time. The virtual resource product platform (backend) regularly detects whether virtual resources are transferred into the target object's exclusive account, and when virtual resources are transferred into the target object's exclusive account, the virtual resources in the exclusive account are used to purchase virtual resource products, thereby improving the convenience of purchasing virtual resource products.

[0073] Step 102: In response to the account editing operation, the edited account information is displayed in the account creation page.

[0074] The account information includes at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase strategy for virtual resource products.

[0075] In actual application, if the target object triggers the account creation entrance, the terminal will respond to the trigger operation, display the account creation page, and display an area or control for editing account information in the account creation interface. The target object can customize the relevant account information of his own account through the account editing area.

[0076] For example, see Figure 4 , Figure 4 401 is a schematic diagram of an account creation page provided in an embodiment of the present application, in which an editing area 402 of a payment account (such as a payment bank and a payment card number) is displayed. The target object can fill in the virtual resource institution account that has been opened by the target object (that is, the bank account and bank card number that have been opened by the target object) as the payment account (that is, the account for paying virtual resources to the exclusive account, also called the payment bank and payment card number) through the editing area 402 of the payment account; the account creation page 401 also displays an editing area 403 of a virtual resource institution (that is, a bank institution that has a cooperative relationship with the virtual resource product platform, that is, a virtual resource institution or a bank institution associated with the exclusive account) that receives the virtual resources transferred from the payment account. The target object can edit the virtual resource institution associated with the exclusive account (that is, the receiving bank and the payee) through the editing area 403.

[0077] The account creation page 401 also displays an editing area 404 for the purchase strategy. The target object can edit the confirmation strategy, matching strategy and default virtual resource products through the editing area 404. Among them, the confirmation strategy is a strategy for confirming the virtual resource products finally purchased, including manual confirmation strategy and automatic confirmation strategy. The so-called manual confirmation strategy means that regardless of whether the virtual resource products indicated to be purchased in the bank transfer remarks or the purchase order are matched successfully, the user needs to manually confirm before the corresponding virtual resource products can be actually purchased; the so-called automatic confirmation strategy means that when the virtual resource products indicated to be purchased in the bank transfer remarks or the purchase order are matched successfully, the terminal automatically purchases the corresponding virtual resource products. The matching strategy is a strategy for matching which virtual resource products to purchase, including transfer remark matching and purchase order matching. The transfer remark matching is to match and confirm the virtual resource products to be purchased according to the transfer remark (which can note the identity of the virtual resource product) when the target object transfers virtual resources from the payment account to the exclusive account, that is, to match and confirm the virtual resource products to be purchased according to the identity of the virtual resource product (including the name or code of the virtual resource product) noted in the transfer remark; the purchase order matching is to match and confirm the virtual resource products to be purchased according to the purchase order of the target object. The default virtual resource product refers to the guaranteed virtual resource product provided in the case of a match failure based on the matching strategy, that is, the terminal uses the preset default virtual resource product as the purchased virtual resource product in the case of a match failure based on the matching strategy.

[0078] Step 103: In response to the account creation operation, an exclusive account of the target object is created in the virtual resource organization based on the account information, wherein the exclusive account is used to purchase the target virtual resource product with the target amount of virtual resources when the target amount of virtual resources is transferred to the exclusive account.

[0079] In actual applications, after the above account information is edited, the account creation operation can be triggered. For example, the target object triggers the create button in the account creation page 401. The virtual resource product platform in the terminal responds to the trigger operation and sends an account creation request carrying the account information to a banking institution (i.e., a receiving bank) that has a cooperative relationship with the virtual resource product platform. The receiving bank creates an exclusive account for the target object based on the account information in the account creation request, and returns feedback information on successful account creation to the virtual resource product platform in the terminal, so that feedback information on successful creation is displayed in the virtual resource product platform.

[0080] For example, see Figure 5 , Figure 5This is a schematic diagram of the creation result of an exclusive account provided in an embodiment of the present application. The account information of the exclusive account of the target object includes the payment account preset by the target object (i.e., the payment bank and payment card number), the virtual resource institution that receives the virtual resources transferred from the payment account (i.e., the receiving bank, the payee), and the account number of the exclusive account; in addition, the exclusive account is also associated with the above-mentioned preset purchase strategy to match the virtual resource products to be purchased based on the purchase strategy in the future.

[0081] Through the above method, the virtual resource platform opens an account on the cooperative bank side for the target object to provide resource services for the target object, such as storing virtual resources transferred from the paying bank. The target object subsequently transfers the virtual resources of the target amount from the payment account (i.e., the paying bank) to the receiving bank. In essence, the virtual resources of the target amount are transferred to the exclusive account created for the target object by the virtual resource product platform on the receiving bank side. In this way, the virtual resource product platform can be associated with the target object, and the virtual resource product platform can purchase corresponding virtual resource products based on the virtual resources of the target amount in the exclusive account associated with the target object.

[0082] Through the above method, the target object can transfer any amount of virtual resources from the payment account (i.e. the paying bank) to the exclusive account on the receiving bank side, so as to use any amount of virtual resources to purchase corresponding virtual resource products, thereby improving the flexibility and initiative in purchasing virtual resource products; in addition, since the exclusive account is subject to the supervision of the receiving bank, it has more stringent security measures to ensure the security of the exclusive account, thereby improving the security of virtual resources.

[0083] In some embodiments, after the terminal creates an exclusive account for the target object based on the account information, the virtual resource product can be purchased in the following manner: in response to the transfer of virtual resources of the target amount from the payment account to the exclusive account, the first transfer remark is obtained when the target object transfers the virtual resources of the target amount; based on the first transfer remark and the purchase strategy, the target virtual resource product to be purchased is determined, and the target virtual resource product is purchased using the virtual resources of the target amount.

[0084] In actual application, after the virtual resource platform opens an exclusive account for the target object at the cooperative bank (i.e., the receiving bank), due to the specific association between the virtual resource platform, the payment account (i.e., the paying bank) and the exclusive account (i.e., the receiving bank), when purchasing virtual resource products in the future, the target object can log in to the client of the paying bank, directly transfer the target amount of virtual resources to the exclusive account through the payment account, and add a first transfer remark to indicate which virtual resource product to purchase when transferring, such as noting the product identifier (such as name or code) of the virtual resource product to be purchased. The virtual resource product platform is configured with a scheduled task, and detects whether there is a new virtual resource transfer record (i.e., transfer flow information) in the exclusive account of the target object through the scheduled task. When the virtual resource product platform detects that there is a new virtual resource transfer record in the exclusive account of the target object through the scheduled task, the first transfer remark associated with the virtual resource transfer record is obtained, and the target virtual resource product to be purchased is determined according to the matching strategy associated with the first transfer remark and the exclusive account, and the target virtual resource product is purchased with the virtual resources of the target amount.

[0085] Through the above method, when the target object is associated with an exclusive account, after transferring the virtual resources to the exclusive account through the payment account (i.e., the payment bank), especially when the confirmation strategy is an automatic confirmation strategy, there is no need to log in to the virtual resource platform to purchase the corresponding virtual resource products based on the virtual resources in the exclusive account. This not only simplifies the user's purchasing process and improves the efficiency of virtual resource management, but also reduces potential risks and costs (such as identity authentication, source of funds investigation, etc., which may increase the complexity and time cost of operations).

[0086] In some embodiments, the terminal can determine the target virtual resource product to be purchased based on the first transfer note and the matching strategy in the following manner: based on the purchase strategy, matching the first virtual resource product indicated to be purchased by the first transfer note; in response to a successful matching of the first virtual resource product, determining the first virtual resource product as the target virtual resource product to be purchased; in response to a failure to match the first virtual resource product, determining the default virtual resource product preset in the purchase strategy as the target virtual resource product to be purchased.

[0087] In actual applications, when the virtual resource platform in the terminal determines the target virtual resource product to be purchased based on the first transfer remark and the matching strategy, it first obtains the first transfer remark. If the first transfer remark is empty, or the first transfer remark does not note the product identifier (such as name or code) of the virtual resource product to be purchased, it is considered that the match has failed. In this case, the default virtual resource associated with the exclusive account (that is, the default virtual resource product preset by the target object when creating the exclusive account) is used as the target virtual resource product to be purchased. If the first transfer remark notes the product identifier (such as name or code) of the virtual resource product to be purchased, the first virtual resource product indicated by the product identifier noted in the first transfer remark is determined, and the first virtual resource product is matched based on the transfer remark matching in the matching strategy, such as detecting whether the first virtual resource product exists in the virtual resource platform. When it is detected that the first virtual resource product exists in the virtual resource platform, it can be considered that the match is successful, and the first virtual resource product is determined as the target virtual resource product to be purchased; when it is detected that the first virtual resource product does not exist in the virtual resource platform, it is considered that the match fails. In this case, the default virtual resource associated with the exclusive account (that is, the default virtual resource product preset by the target object when creating the exclusive account) is used as the target virtual resource product to be purchased.

[0088] For example, assuming that the target object transfers 10,000 yuan (i.e., the target amount of virtual resources) to the exclusive account through the payment account, and the first transfer remark attached during the transfer includes the code of the virtual resource product that the target object wants to purchase, which is AABBCC, then when the virtual resource product platform detects that 10,000 yuan has been added to the target object's exclusive account, based on the transfer remark matching in the matching strategy, the target virtual resource product to be purchased is determined according to the code of the virtual resource product annotated in the first transfer remark. For example, if the first virtual resource product with the code of AABBCC is screened out in the virtual resource product platform (i.e., there is a virtual resource product with the code of AABBCC in the virtual resource product platform), ), the first virtual resource product with code AABBCC is determined as the target virtual resource product for final purchase, and 10,000 yuan is used to purchase the target virtual resource product (i.e., the first virtual resource product with code AABBCC); if the first virtual resource product with code AABBCC is not detected in the virtual resource product platform (i.e., the virtual resource product with code AABBCC does not exist in the virtual resource product platform), the default virtual resource product with code AACCDD is determined as the target virtual resource product for final purchase, and 10,000 yuan is used to purchase the target virtual resource product (i.e., the default virtual resource product with code AACCDD).

[0089] Through the above method, when the target object is associated with an exclusive account, after transferring the virtual resources to the exclusive account through the payment account (i.e., the payment bank), especially when the confirmation strategy is an automatic confirmation strategy, there is no need to log in to the virtual resource platform to purchase the corresponding virtual resource products based on the virtual resources in the exclusive account. This not only simplifies the user's purchasing process and improves the efficiency of virtual resource management, but also reduces potential risks and costs (such as identity authentication, source of funds investigation, etc., which may increase the complexity and time cost of operations).

[0090] In some embodiments, in response to a failure to match the first virtual resource product, the terminal displays a first replacement prompt message, where the first replacement prompt message is used to prompt the replacement of the default virtual resource product; in response to a trigger operation on the first replacement prompt message, at least one virtual resource product for selection is displayed; in response to a product selection operation, the selected second virtual resource product is determined as the target virtual resource product to be purchased.

[0091] In actual applications, in the event of a matching failure, such as when the first transfer note is empty, the first transfer note does not note the product identifier of the virtual resource product to be purchased, or the first virtual resource product noted for purchase in the first transfer note does not exist in the virtual resource platform, a first update prompt message may pop up on the virtual resource product platform, and the target object may replace the default virtual resource product based on the first update prompt message and purchase the replaced virtual resource product. The first update prompt message may be displayed in a variety of forms, such as in the form of an update control or in the form of a text prompt. The embodiment of the present application does not limit the display form of the first update prompt message.

[0092] For example, see Figure 6 , Figure 660 is a schematic diagram of purchase order confirmation provided by an embodiment of the present application. Taking the first transfer remark as empty as an example, under the premise that the confirmation strategy is a manual confirmation strategy (that is, when using virtual resources in an exclusive account to purchase virtual resource products, the user is required to confirm in the front-end page), the virtual resource product platform generates a purchase order when the default virtual resource product is used as the target virtual resource product to be purchased, and displays the transfer information of the payment account on the confirmation page 601 of the purchase order, such as the payment bank, payment card number, transfer amount (that is, the virtual resource of the target amount, such as 10,000 yuan), and transfer time. Since the transfer remark is empty, the default virtual resource product associated with the exclusive account is displayed ( Such as code AACCDD), and first update prompt information (such as update control) 602, in response to the trigger operation of the first update prompt information (such as update control) 602, multiple virtual resource products for selection are displayed, such as virtual resource products with code ABACAD and virtual resource products with code BACADA, and the target object can select the virtual resource product to be purchased from them. The terminal responds to the product selection operation and determines the selected second virtual resource product (such as ABACAD) as the target virtual resource product to be purchased, so as to use 10,000 yuan to purchase the target virtual resource product (that is, the virtual resource product with code ABACAD).

[0093] Understandably, see Figure 7 , Figure 7 It is a purchase order confirmation diagram provided in an embodiment of the present application. When it is determined that the first virtual resource product is matched successfully based on the first transfer remark, if the confirmation strategy is a manual confirmation strategy, the virtual resource product platform generates a purchase order when taking the first virtual resource product as the target virtual resource product to be purchased, and displays the transfer information of the payment account, such as the payment bank, payment card number, transfer amount (i.e., the virtual resource of the target amount, such as 10,000 yuan), transfer time, the target virtual resource product to be purchased (e.g., the code is AABBCC), and update prompt information (e.g., update control) 702. The target virtual resource product to be purchased can be updated by updating the prompt information (e.g., update to other virtual resource products, and finally purchase the updated other virtual resource products.

[0094] Through the above method, the target object can replace the virtual resource product to be purchased, which greatly improves the flexibility and initiative of the user in purchasing virtual resource products.

[0095] In some embodiments, after the terminal creates an exclusive account for the target object based on the account information, the virtual resource product can be purchased in the following manner: in response to an order application operation triggered by the target object, an order application page is displayed, the order application page including an amount editing area and a payment method option; in response to the order editing operation, the target amount of the virtual resources to be paid is displayed in the amount editing area, and when the payment method is set to a transfer payment method based on the payment method option, the account information of the exclusive account is displayed; in response to an order confirmation operation, a purchase order is generated and a transfer payment entry is provided, the transfer payment entry is used to transfer the virtual resources of the target amount to the exclusive account through the transfer payment method; in response to the virtual resources of the target amount having been transferred to the exclusive account, the target virtual resource product to be purchased is determined based on the purchase order, and the target virtual resource product is purchased using the virtual resources of the target amount.

[0096] In actual applications, after the virtual resource platform opens an exclusive account for the target object on the cooperative bank (i.e., the receiving bank) side, due to the specific association relationship between the virtual resource platform, the payment account (i.e., the paying bank) and the exclusive account (i.e., the receiving bank), when purchasing virtual resource products in the future, the target object can place an order on the virtual resource product platform to purchase the virtual resource product. When the order application operation is triggered, the terminal responds to the trigger operation and displays an order application page. The order application page includes an amount editing area and a payment method option. The target amount required to purchase the virtual resource product can be entered through the amount editing area, and the payment method option can be used to set the payment method for purchasing the virtual resource product. The payment methods include but are not limited to: transfer payment method, balance Payment method, money fund payment method; in response to the order editing operation triggered by the target object based on the order application page, the target amount of the virtual resources to be paid is displayed in the amount editing area, and when the payment method is set to the transfer payment method based on the payment method option, the account information of the exclusive account is displayed, such as the payment account preset by the target object (i.e., the payment bank and payment card number), the virtual resource institution that receives the virtual resources transferred from the payment account (i.e., the receiving bank, the payee), the account number of the exclusive account, etc. When the order confirmation operation is triggered after the target object editing is completed, the terminal responds to the order confirmation operation, generates a purchase order and provides a transfer payment entry, and the transfer payment entry is used to transfer the virtual resources of the target amount to the exclusive account through the transfer payment method.

[0097] The virtual resource product platform is configured with a scheduled task, which detects whether there are new virtual resource transfer records (i.e., transfer flow information) in the target object's exclusive account through the scheduled task. When the virtual resource product platform detects that there are new virtual resource transfer records (i.e., records of virtual resources of the target amount transferred by the target object) in the target object's exclusive account through the scheduled task, the target virtual resource product to be purchased is determined based on the purchase order, and the target virtual resource product is purchased using virtual resources of the target amount.

[0098] Through the above method, when the target object purchases virtual resource products through the virtual resource platform, the target object can transfer the virtual resources to his or her own exclusive account at any time. The virtual resource product platform regularly detects whether virtual resources are transferred into the target object's exclusive account, and when virtual resources are transferred into the target object's exclusive account, the virtual resources in the exclusive account are used to purchase virtual resource products, thereby improving the convenience of purchasing virtual resource products.

[0099] In some embodiments, the terminal may respond to the order application operation triggered by the target object and display an order application page in the following manner: display at least one virtual resource product in the information page on the virtual resource platform; in response to the order application operation of the target object for the third virtual resource product, display the order application page corresponding to the third virtual resource product, wherein the order application page includes the first product identification of the third virtual resource product; accordingly, the terminal may generate a purchase order in the following manner in response to the order confirmation operation: generate a purchase order carrying the first product identification in response to the order confirmation operation; the terminal may determine the target virtual resource product to be purchased based on the purchase order in the following manner: determine the third virtual resource product indicated by the first product identification in the purchase order as the target virtual resource product to be purchased.

[0100] See also Figure 8 , Figure 8800 is a schematic diagram of purchasing a virtual resource product provided in an embodiment of the present application. In actual application, a target object can view multiple virtual resource products available for purchase in an information page (used to recommend or introduce virtual resource products) on a virtual resource platform. Each virtual resource product is associated with a purchase entry for purchasing the virtual resource product. When the target object triggers an order application operation for a third virtual resource product (i.e., product C) through purchase entry 800, the terminal responds to the trigger operation and displays an order application page 801 for the third virtual resource product. The order application page 801 includes a first product identifier (such as name and code) of the third virtual resource product, an amount editing area, and a payment method option. The target amount (such as 1 0000 yuan), when the payment method is set to transfer payment method through the payment method option, the account information 802 of the exclusive account is displayed, such as the payment account preset by the target object (i.e., the payment bank and payment card number), the virtual resource institution that receives the virtual resources transferred from the payment account (i.e., the receiving bank, the payee), the account number of the exclusive account, etc. When the target object is edited and the order confirmation operation is triggered (such as triggering the order application button), the terminal responds to the order confirmation operation and generates a purchase order carrying the first product identifier, such as automatically displaying the order number in the transfer remarks (the order number indicates the purchase of the third virtual resource product indicated by the first product identifier), and providing a transfer payment entrance (such as jumping to the bank APP). The target object can transfer the virtual resources of the target amount to the exclusive account through the transfer payment entrance.

[0101] In the case that the target amount of virtual resources has been transferred to the exclusive account, even if the target object did not add a transfer remark when transferring the money, the virtual resource product platform matches the third virtual resource product indicated by the first product identifier indicated by the order number in the purchase order based on the purchase order and the matching strategy. Since the third virtual resource product is a virtual resource product existing in the virtual resource product platform, the match is successful, and the third virtual resource product indicated by the first product identifier is determined as the target virtual resource product to be purchased, and the target virtual resource product is purchased using the virtual resources of the target amount.

[0102] Through the above method, when the target object purchases the third virtual resource product already in the virtual resource product platform, the target object can arbitrarily edit the amount of virtual resources required for the purchase, and can transfer the virtual resources to his own exclusive account at any time. The virtual resource product platform regularly detects whether virtual resources have been transferred into the target object's exclusive account, and when virtual resources have been transferred into the target object's exclusive account, the virtual resources in the exclusive account are used to purchase the third virtual resource product, thereby improving the convenience of purchasing virtual resource products.

[0103] In some embodiments, the terminal can display an order application page in response to an order application operation triggered by a target object in the following manner: display a purchase entrance in the information page on the virtual resource platform; display an order application page in response to the target object's triggering operation on the purchase entrance, and the order application page includes a product identification editing area; accordingly, before the terminal generates a purchase order, in response to the identification editing operation, the edited second product identification can be displayed in the product identification editing area; the terminal can generate a purchase order in response to an order confirmation operation in the following manner: in response to the order confirmation operation, generate a purchase order carrying the second product identification.

[0104] See also Fig. 9 , Fig. 9 1 is a schematic diagram of purchasing a virtual resource product provided in an embodiment of the present application. In actual application, an information page on a virtual resource platform (used to recommend or introduce virtual resource products) displays multiple virtual resource products available for purchase and a purchase portal. Since the virtual resource products displayed on the information page are only part of the virtual resource products on the virtual resource product platform, which is relatively limited, the target object can customize the virtual resources to be purchased by triggering the purchase portal. For example, the terminal responds to the trigger operation for the purchase portal 901 and displays an order application page 902. The order application page 902 includes an amount editing area 903, a product identification editing area 904, and a payment method option 905. The target amount required to purchase the virtual resource product (e.g., RMB 10,000) is entered through the amount editing area 903. ), edit the second product identification (such as name, code) through the product identification editing area 904, and set the payment method to transfer payment method through the payment method option 905, display the account information of the exclusive account, such as the payment account preset by the target object (i.e., payment bank and payment card number), the virtual resource institution that receives the virtual resources transferred from the payment account (i.e., receiving bank, payee), the account number of the exclusive account, etc. When the target object is edited and the order confirmation operation is triggered (such as triggering the order application button), the terminal responds to the order confirmation operation and generates a purchase order carrying the second product identification, such as displaying the second product identification in the transfer remarks in the exclusive account, providing a transfer payment entrance (such as jumping to the bank APP), and transferring the virtual resources of the target amount to the exclusive account through the transfer payment entrance.

[0105] In some embodiments, the terminal can determine the target virtual resource product to be purchased based on the purchase order in the following manner: based on the purchase policy, matching the fourth virtual resource product indicated by the second product identifier; in response to a successful matching of the fourth virtual resource product, determining the fourth virtual resource product as the target virtual resource product to be purchased; in response to a failure to match the fourth virtual resource product, determining the default virtual resource product preset in the purchase policy as the target virtual resource product to be purchased.

[0106] In actual applications, when the target amount of virtual resources has been transferred to a dedicated account, even if the target object does not add a transfer remark when transferring, the virtual resource product platform matches the fourth virtual resource product indicated by the second product identifier indicated by the order number in the purchase order based on the purchase order and the matching strategy. When the fourth virtual resource product indicated by the second product identifier exists in the virtual resource product platform, it is considered that the match is successful, the fourth virtual resource product is determined as the target virtual resource product to be purchased, and the target virtual resource product is purchased with the virtual resources of the target amount. When the fourth virtual resource product indicated by the second product identifier does not exist in the virtual resource product platform, it is considered that the match fails, the default virtual resource product in the matching strategy is determined as the target virtual resource product to be purchased, and the target virtual resource product is purchased with the virtual resources of the target amount.

[0107] Through the above method, when the target object purchases a virtual resource product, the target object can arbitrarily edit the amount of virtual resources required for purchase, and can transfer the virtual resources to his own exclusive account at any time. The virtual resource product platform regularly detects whether virtual resources have been transferred into the target object's exclusive account, and when virtual resources have been transferred into the target object's exclusive account, the virtual resources in the exclusive account can be used to purchase a third virtual resource product, thereby improving the convenience of purchasing virtual resource products.

[0108] In some embodiments, the terminal may determine the target virtual resource product to be purchased in the following manner: in response to a failure to match the fourth virtual resource product, displaying a second replacement prompt message, wherein the second replacement prompt message is used to prompt the replacement of the default virtual resource product; in response to a trigger operation for the product replacement prompt message, displaying at least one virtual resource product for selection; in response to a product selection operation, determining the selected fifth virtual resource product as the target virtual resource product to be purchased.

[0109] In actual applications, in the event of a matching failure, such as when the fourth virtual resource product indicated by the second product identifier does not exist in the virtual resource product platform, a second update prompt message may pop up on the virtual resource product platform, and the target object may replace the default virtual resource product based on the second update prompt message. For example, in response to a trigger operation for the second update prompt message, multiple virtual resource products for selection are displayed, such as a virtual resource product with a code of ABACAD and a virtual resource product with a code of BACADA. The target object may select the virtual resource product to be purchased from them. In response to the product selection operation, the terminal determines the selected fifth virtual resource product (such as ABACAD) as the target virtual resource product to be purchased, so as to purchase the target virtual resource product (i.e., the virtual resource product with a code of ABACAD) with 10,000 yuan.

[0110] There are multiple display forms for the second update prompt information, such as display in the form of an update control or display in the form of a text prompt. The embodiment of the present application does not limit the display form of the second update prompt information.

[0111] It can be understood that, when the third virtual resource product is determined to be matched successfully based on the first product identifier, or the fourth virtual resource product is determined to be matched successfully based on the second product identifier, if the confirmation strategy is a manual confirmation strategy, the virtual resource product platform will generate a purchase order when taking the third virtual resource product or the fourth virtual resource product as the target virtual resource product to be purchased, and display the transfer information of the payment account on the confirmation page of the purchase order, such as the payment bank, payment card number, transfer amount (i.e., the target amount of virtual resources, such as 10,000 yuan), transfer time, the target virtual resource product to be purchased (e.g., the code is AABBCC), and update prompt information. The target virtual resource product to be purchased can be updated through the update prompt information, that is, updated to other virtual resource products, and finally the updated other virtual resource products can be purchased.

[0112] Through the above method, the target object can replace the virtual resource product to be purchased, which greatly improves the flexibility and initiative of the user in purchasing virtual resource products.

[0113] In some embodiments, after the terminal generates a purchase order and provides a transfer payment entry, it can send payment prompt information for the purchase order to the payment account of the target object; wherein the payment prompt information is used to prompt the target object to transfer virtual resources of a target amount from the payment account to a dedicated account.

[0114] In actual applications, after the virtual resource platform generates a purchase order, payment reminder information for the purchase order can be sent to the payment account of the target object to prompt the target object to pay the target amount of virtual resources to the exclusive account through the payment account in a timely manner.

[0115] In some embodiments, before the terminal uses the virtual resources of the target amount to purchase the target virtual resource product, it can pay the virtual resources in the following ways: in response to a trigger operation on the transfer payment entrance, jump to the transfer page of the payment account; in response to the transfer amount input operation, display the transfer amount entered by the target object; in response to the transfer confirmation operation, transfer the virtual resources of the transfer amount from the payment account to the exclusive account; accordingly, the terminal can use the virtual resources of the target amount to purchase the target virtual resource product in the following ways: in response to the transfer amount being consistent with the target amount, use the virtual resources of the target amount to purchase the target virtual resource product.

[0116] In actual applications, since the virtual resource product platform provides a transfer payment entrance after generating a purchase order, when the target object triggers the transfer payment entrance, the terminal responds to the trigger operation, jumps to the transfer page of the payment account, and can enter the transfer amount in the transfer page to transfer the virtual resources of the transfer amount from the payment account to the target object's exclusive account, and when the transfer amount is consistent with the target amount in the purchase order, the virtual resources of the target amount (i.e., the transfer amount) are used to purchase the target virtual resource product.

[0117] In some embodiments, in response to the transfer amount being inconsistent with the target amount, the terminal uses the virtual resources of the transfer amount to purchase the target virtual resource product. In actual applications, when the actual transfer amount is inconsistent with the target amount indicated in the purchase order, it can be confirmed that the match fails. In this case, the target object needs to further confirm whether to purchase the virtual resource product and how much virtual resources to use to purchase the target virtual resource product. When the actual transfer amount is inconsistent with the target amount indicated in the purchase order, the virtual resource product platform may also directly use the virtual resources of the actual transfer amount to purchase the target virtual resource product; or, when the actual transfer amount is greater than the target amount, the target virtual resource product is purchased using the virtual resources of the target amount in the exclusive account, and the remaining amount (i.e., the actual transfer amount - the target amount) of the virtual resources is stored in the exclusive account, or the remaining amount of virtual resources is used to purchase the default virtual resource product preset in the matching strategy to improve the utilization rate of the virtual resource product.

[0118] In some embodiments, before the terminal transfers the virtual resources of the transfer amount from the payment account to the dedicated account, in response to the transfer remark editing operation, the edited second transfer remark is displayed; wherein the second transfer remark is used to determine the target virtual resource product to be purchased.

[0119] In actual applications, when transferring money to the target object, the second transfer remark can be edited to indicate the product identification (such as name or code) of the purchased virtual resource product, so that the subsequent virtual resource product platform can determine the target virtual resource product to be purchased based on the matching strategy, combined with the second transfer remark and the purchase order when matching the purchase order.

[0120] In some embodiments, when a purchase order carries a third product identifier and the target object edits a third transfer remark when transferring virtual resources of the target amount to a dedicated account, the terminal can determine the target virtual resource product to be purchased based on the purchase order: in response to the sixth virtual resource product corresponding to the third product identifier being different from the seventh virtual resource product matched based on the third transfer remark, the target virtual resource product to be purchased is determined based on the sixth virtual resource product and the seventh virtual resource product.

[0121] In actual application, when a purchase order carries a third product identifier and the target object edits the third transfer remark when transferring the target amount of virtual resources to an exclusive account, the sixth virtual resource product indicated by the third product identifier and the sixth virtual resource product indicated for purchase by the third transfer remark are determined, and when the sixth virtual resource product and the seventh virtual resource product are both virtual resource products already available on the virtual resource product platform and the two belong to different virtual resource products, the target virtual resource product for final purchase is determined based on the sixth virtual resource product and the seventh virtual resource product.

[0122] In some embodiments, the terminal can determine the target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product in the following manner: display selection prompt information, wherein the selection prompt information is used to prompt the target object to select the virtual resource product to be purchased from at least the sixth virtual resource product and the seventh virtual resource product; in response to a selection operation triggered by the selection prompt information, the selected virtual resource product is determined as the target virtual resource product to be purchased.

[0123] In actual applications, when the sixth virtual resource product and the seventh virtual resource product belong to different virtual resource products, a selection prompt message may pop up to prompt the target object to select a target virtual resource product from at least the sixth virtual resource product and the seventh virtual resource product, or other virtual resource products already available in the virtual resource platform, that is, the virtual resource product selected by the target object will be used as the target virtual resource product to be finally purchased; in this way, the target object can choose which virtual resource product to purchase according to actual needs, thereby improving the flexibility and pertinence of the purchase of virtual resource products.

[0124] In some embodiments, the terminal can determine the target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product in the following manner: determine a first matching degree between the target object and the sixth virtual resource product, and a second matching degree between the target object and the seventh virtual resource product; and determine the virtual resource product corresponding to the largest matching degree between the first matching degree and the second matching degree as the target virtual resource product to be purchased.

[0125] In actual applications, when the sixth virtual resource product and the seventh virtual resource product belong to different virtual resource products, the purchase priority of the sixth virtual resource product and the seventh virtual resource product is different, wherein the purchase priority of the virtual resource product is determined by the degree of matching between the virtual resource product and the target object, and the degree of matching is determined based on the object characteristics of the target object (such as level, product characteristics of historical purchases of virtual resource products, etc.) and the product characteristics of the virtual resource product (such as product type, issuing unit, revenue situation, historical purchase rate, etc.). The greater the degree of matching, the greater the purchase priority of the corresponding virtual resource product.

[0126] Through the above method, the virtual resource product platform determines the first matching degree between the target object and the sixth virtual resource product, and the second matching degree between the target object and the seventh virtual resource product, and uses the virtual resource product with the greatest matching degree as the target virtual resource product to be purchased in the end. For example, if the first matching degree is greater than the second matching degree, the sixth virtual resource product is used as the target virtual resource product to be purchased in the end; if the first matching degree is less than the second matching degree, the seventh virtual resource product is used as the target virtual resource product to be purchased in the end; in this way, the virtual resource product platform automatically purchases the virtual resource product with the greatest matching degree based on the matching degree between the virtual resource product and the target object, thereby improving the intelligence and pertinence of the purchase of virtual resource products.

[0127] In some embodiments, the terminal may use virtual resources of the target amount to purchase the target virtual resource product in the following manner: in response to the purchase strategy including a manual confirmation strategy, when the virtual resources of the target amount are transferred to the dedicated account, determining the manual confirmation result for the dedicated account; in response to the manual confirmation result indicating that the confirmation is passed, using the virtual resources of the target amount to purchase the target virtual resource product.

[0128] In actual application, when the confirmation strategy in the purchase strategy is an automatic confirmation strategy, the virtual resource product platform in the terminal automatically determines the target virtual resource product to be purchased according to the matching strategy when it detects that the virtual resources of the target amount are transferred to the exclusive account, and automatically uses the virtual resources of the target amount in the exclusive account to purchase the target virtual resource product; when the confirmation strategy is a manual confirmation strategy, regardless of whether the virtual resource product indicated to be purchased in the bank transfer remarks or the purchase order is matched successfully, the user is required to manually confirm in order to actually purchase the corresponding virtual resource product, and when the manual confirmation result indicates that the confirmation is passed (such as the purchase amount and the target virtual resource product to be purchased both meet the needs of the target object), the target virtual resource product is purchased using the virtual resources of the target amount.

[0129] Through the above-mentioned method, before the target object purchases the virtual resource product on the virtual resource platform, in response to the trigger operation of the target object on the account creation entrance, the account creation page is displayed; in response to the account editing operation, the edited account information is displayed in the account creation page, wherein the account information includes at least one of the following: the payment account for paying the virtual resources, the virtual resource institution for receiving the virtual resources transferred from the payment account, and the purchase policy for the virtual resource product; in response to the account creation operation, an exclusive account for the target object is created in the virtual resource institution based on the account information, and when the virtual resources of the target amount (which can be set arbitrarily according to actual needs) are transferred to the exclusive account, the virtual resource product platform can use the virtual resources of the target amount to purchase the target virtual resource product; because the exclusive account of the target object is created by the target object independently, such as the payment account, virtual resource institution or purchase policy, etc. are all customized by the target object, in this way, the target object can transfer any amount of virtual resources according to actual needs to purchase the target virtual resource product, which greatly improves the flexibility and initiative of the user in purchasing virtual resource products.

[0130] The following is an explanation of an exemplary application of the embodiments of the present application in a practical application scenario.

[0131] First, the creation of a dedicated account is explained. Fig.10 , Fig.10 This is a schematic diagram of the creation process of a dedicated account provided in an embodiment of the present application, including:

[0132] Step 201: The terminal displays an account creation page in response to a trigger operation of a target object on an account creation entry.

[0133] Step 202: In response to the account editing operation, the edited account information is displayed in the account creation page.

[0134] Among them, the account information includes at least one of the following: the payment account for paying virtual resources (i.e., payment bank, payment card number), the cooperative bank (a bank that cooperates with the virtual resource product platform, i.e., the receiving bank, the payee), and the purchase strategy for the virtual resource product, among which the purchase strategy includes confirmation strategy, matching strategy, and default virtual resource product, etc.

[0135] The confirmation strategy is a strategy for confirming the virtual resource products that are finally purchased, including manual confirmation strategy and automatic confirmation strategy. The so-called manual confirmation strategy means that regardless of whether the virtual resource products indicated in the bank transfer remarks or purchase order are matched successfully, the user needs to manually confirm before the corresponding virtual resource products can be actually purchased; the so-called automatic confirmation strategy means that when the virtual resource products indicated in the bank transfer remarks or purchase order are matched successfully, the terminal automatically purchases the corresponding virtual resource products.

[0136] The matching strategy is a strategy for matching which virtual resource product to be purchased, including transfer remarks matching and purchase order matching. Among them, the transfer remarks matching is to match and confirm the virtual resource product to be purchased based on the transfer remarks (which can note the identity of the virtual resource product) when the target object transfers the virtual resources from the payment account to the exclusive account, that is, to match and confirm the virtual resource product to be purchased based on the identity of the virtual resource product (including the name or code of the virtual resource product) noted in the transfer remarks. The purchase order matching is to match and confirm the virtual resource product to be purchased based on the purchase order of the target object.

[0137] The default virtual resource product refers to a guaranteed virtual resource product provided in the event of a match failure based on a matching strategy, that is, in the event of a match failure based on a matching strategy, the terminal uses the preset default virtual resource product as the purchased virtual resource product.

[0138] Step 203: In response to the account creation operation, an account creation request carrying account information is sent to the virtual resource product platform.

[0139] Step 204: The virtual resource product platform sends an account creation request to the cooperative bank.

[0140] Step 205: The cooperative bank creates an exclusive account for the target object based on the account information carried in the account creation request.

[0141] Step 206: The cooperative bank returns feedback information indicating successful account creation to the virtual resource product platform in the terminal.

[0142] Here, the cooperative bank creates a dedicated account for the target object based on the account information in the account creation request, and returns feedback information of successful account creation to the virtual resource product platform in the terminal, so that the feedback information of successful creation is displayed in the virtual resource product platform, such as Figure 5 As shown, the account information of the target object's exclusive account includes the target object's preset payment account (i.e., payment bank and payment card number), the virtual resource institution that receives the virtual resources transferred from the payment account (i.e., receiving bank, payee), and the account number of the exclusive account.

[0143] Through the above method, the virtual resource platform opens an account on the cooperative bank side for the target object to provide resource services for the target object, such as storing virtual resources transferred from the paying bank. The target object subsequently transfers the virtual resources of the target amount from the payment account (i.e. the paying bank) to the receiving bank. In essence, the virtual resources of the target amount are transferred to the exclusive account created by the virtual resource product platform for the target object on the receiving bank side. In this way, the virtual resource product platform can be associated with the target object, and the virtual resource product platform can purchase corresponding virtual resource products based on the virtual resources of the target amount in the exclusive account associated with the target object.

[0144] Secondly, the purchase method of virtual resource products is explained. Fig.11 , Fig.11 This is a schematic diagram of the purchase process of the virtual resource product provided in the embodiment of the present application, including:

[0145] Step 301: The scheduled task of the virtual resource product platform scans the transfer records of the exclusive account of the target object.

[0146] In actual applications, after the virtual resource platform opens an exclusive account for the target object at the cooperative bank (i.e., the receiving bank), due to the specific association between the virtual resource platform, the payment account (i.e., the paying bank) and the exclusive account (i.e., the receiving bank), when purchasing virtual resource products in the future, the target object can log in to the client of the paying bank and directly transfer the target amount of virtual resources to the exclusive account through the payment account, and add a first transfer remark to indicate which virtual resource product to purchase, such as the product identification (such as name or code) of the virtual resource product to be purchased. The virtual resource product platform is configured with a scheduled task, which detects whether there is a new virtual resource transfer record (i.e., transfer flow information) in the exclusive account of the target object through the scheduled task.

[0147] Step 302: When the scheduled task of the virtual resource product platform scans a newly added transfer record, a transfer record to be confirmed is created.

[0148] Here, when the scheduled task of the virtual resource product platform scans the transfer record of the virtual resources of the target amount in the dedicated account, the virtual resource product platform creates the transfer record of the virtual resources of the target amount and marks the status of the transfer record as pending confirmation.

[0149] Step 303: The virtual resource product platform obtains the first transfer remark associated with the virtual resource transfer record, and determines the target virtual resource product to be purchased based on the matching strategy.

[0150] In actual applications, when the virtual resource platform in the terminal determines the target virtual resource product to be purchased based on the first transfer remark and the matching strategy, if the confirmation strategy is a manual confirmation strategy, the user is required to manually confirm the purchase of the corresponding virtual resource product; if the confirmation method is an automatic confirmation strategy, the virtual resource product platform automatically purchases the corresponding virtual resource product when it determines that the target virtual resource product to be purchased is successfully matched according to the first transfer remark.

[0151] When confirming the target virtual resource product, first obtain the first transfer remark. If the first transfer remark is empty, or the first transfer remark does not note the product identifier (such as name or code) of the virtual resource product to be purchased, it is considered that the match has failed. In this case, the default virtual resource associated with the exclusive account (that is, the default virtual resource product preset by the target object when creating the exclusive account) is used as the target virtual resource product to be purchased.

[0152] If the first transfer remark notes the product identifier (such as name or code) of the virtual resource product to be purchased, the first virtual resource product indicated by the product identifier noted in the first transfer remark is determined, and the first virtual resource product is matched based on the transfer remark matching in the matching strategy, such as detecting whether the first virtual resource product exists in the virtual resource platform. When it is detected that the first virtual resource product exists in the virtual resource platform, it can be considered that the match is successful, and the first virtual resource product is determined as the target virtual resource product to be purchased; when it is detected that the first virtual resource product does not exist in the virtual resource platform, it is considered that the match fails. In this case, the default virtual resource associated with the exclusive account (that is, the default virtual resource product preset by the target object when creating the exclusive account) is used as the target virtual resource product to be purchased.

[0153] It should be noted that in the event of a matching failure, such as when the first transfer note is empty, the first transfer note does not note the product identification of the virtual resource product to be purchased, or the first virtual resource product noted for purchase in the first transfer note does not exist on the virtual resource platform, an update prompt message may pop up on the virtual resource product platform, and the target object may replace the default virtual resource product based on the update prompt message and purchase the replaced virtual resource product.

[0154] Step 304: When the match is successful, the target virtual resource product is purchased using the virtual resources of the target amount in the exclusive account.

[0155] Here, after the target virtual resource product to be purchased is determined, the target virtual resource product can be purchased with the virtual resources of the target amount. At the same time, the status of the purchase order is updated to paid, and the status of the transfer record of the virtual resources of the target amount is marked as confirmed.

[0156] Through the above method, when the target object is associated with an exclusive account, after transferring the virtual resources to the exclusive account through the payment account (i.e., the payment bank), especially when the confirmation strategy is an automatic confirmation strategy, there is no need to log in to the virtual resource platform to purchase the corresponding virtual resource products based on the virtual resources in the exclusive account. This not only simplifies the user's purchasing process and improves the efficiency of virtual resource management, but also reduces potential risks and costs (such as identity authentication, source of funds investigation, etc., which may increase the complexity and time cost of operations).

[0157] Continue to explain how to purchase virtual resource products. Fig.12 , Fig.12 This is a schematic diagram of the purchase process of the virtual resource product provided in the embodiment of the present application, including:

[0158] Step 401: In response to a target object's order application operation for a third virtual resource product, the terminal displays an order application page for the third virtual resource product.

[0159] The order application page includes a product identifier of the third virtual resource product, and the order application page includes an amount editing area and a payment method option.

[0160] Step 402: In response to the order editing operation, the target amount of the virtual resource to be paid is displayed in the amount editing area.

[0161] Step 403: In response to setting the payment method as a transfer payment method based on the payment method option, an account acquisition request is sent to the virtual resource product platform.

[0162] Step 404: The virtual resource product platform returns the account information of the exclusive account of the target object to the terminal.

[0163] Step 405: The terminal displays the account information of the exclusive account of the target object.

[0164] Step 406: In response to the order confirmation operation, an order application is sent to the virtual resource product platform.

[0165] Step 407: The virtual resource product platform generates a purchase order based on the order application, and returns the purchase order to the terminal.

[0166] Here, the virtual resource product platform generates a purchase order based on the order application, and records the status of the purchase order as pending payment, and the payment method is a transfer payment method.

[0167] Step 408: The terminal displays the purchase order.

[0168] Among them, the purchase order indicates the purchase of the third virtual resource product selected by the target object, so the product logo of the third virtual resource product can be displayed in the display page of the purchase order. In addition, the transfer payment entrance can also be displayed in the display page of the purchase order. Through the transfer payment entrance, you can jump to the payment bank client and transfer the target amount of virtual resources from the payment bank to the exclusive account of the target object.

[0169] Through the above methods, you can apply to purchase virtual resource products directly through the virtual resource product platform.

[0170] Step 409: In response to the transfer operation, the virtual resources of the target amount are transferred from the payment account to the dedicated account.

[0171] Step 410: The scheduled task of the virtual resource product platform scans the transfer records of the exclusive account of the target object.

[0172] Step 411: When the scheduled task of the virtual resource product platform scans a newly added transfer record, a transfer record to be confirmed is created.

[0173] Here, when the scheduled task of the virtual resource product platform scans the transfer record of the virtual resources of the target amount in the dedicated account, the virtual resource product platform creates the transfer record of the virtual resources of the target amount and marks the status of the transfer record as pending confirmation.

[0174] Step 412: The virtual resource product platform matches and confirms the purchase order based on the matching strategy.

[0175] Here, if the confirmation strategy is a manual confirmation strategy, the user needs to manually confirm the purchase of the corresponding virtual resource product; if the confirmation method is an automatic confirmation strategy, the virtual resource product platform will automatically purchase the corresponding virtual resource product when the virtual resource product purchased according to the purchase order instruction is successfully matched.

[0176] Step 413: When the match is successful, the target virtual resource product is purchased using the virtual resources of the target amount in the exclusive account.

[0177] Here, since the third virtual resource product indicated in the purchase order is a virtual resource product existing in the virtual resource product platform, the match is successful, the third virtual resource product is determined as the target virtual resource product to be finally purchased, and the target virtual resource product is purchased using the virtual resources of the target amount. At the same time, the status of the purchase order is updated to paid, and the status of the transfer record of the virtual resources of the target amount is marked as confirmed.

[0178] Through the above method, when the target object purchases the third virtual resource product already in the virtual resource product platform, the target object can arbitrarily edit the amount of virtual resources required for the purchase, and can transfer the virtual resources to his own exclusive account at any time. The virtual resource product platform regularly detects whether virtual resources have been transferred into the target object's exclusive account, and when virtual resources have been transferred into the target object's exclusive account, the virtual resources in the exclusive account are used to purchase the third virtual resource product, thereby improving the convenience of purchasing virtual resource products.

[0179] So far, the processing method of the virtual resource product provided by the embodiment of the present application has been described in combination with the exemplary application and implementation of the electronic device provided by the embodiment of the present application. The following will continue to describe the processing scheme for implementing the virtual resource product by cooperating with each module in the processing device 555 for the virtual resource product provided by the embodiment of the present application.

[0180] A page display module 5551 is used to display an account creation page in response to a trigger operation of the target object on an account creation entry; an editing display module 5552 is used to display edited account information in the account creation page in response to an account editing operation, wherein the account information includes at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase policy for virtual resource products; an account creation module 5553 is used to create an exclusive account for the target object in the virtual resource institution based on the account information in response to an account creation operation, wherein the exclusive account is used to purchase target virtual resource products using virtual resources of the target amount when the virtual resources of the target amount are transferred to the exclusive account.

[0181] In some embodiments, after creating an exclusive account for the target object based on the account information, the device also includes: a purchase processing module, which is used to obtain a first transfer remark when the target object transfers out the virtual resources of the target amount in response to the virtual resources of the target amount being transferred from the payment account to the exclusive account; based on the first transfer remark and the purchase strategy, determine the target virtual resource product to be purchased, and use the virtual resources of the target amount to purchase the target virtual resource product.

[0182] In some embodiments, the purchase processing module is further used to match the first virtual resource product indicated for purchase by the first transfer note based on the purchase strategy; in response to a successful match of the first virtual resource product, determine the first virtual resource product as the target virtual resource product to be purchased; in response to a failure to match the first virtual resource product, determine the default virtual resource product preset in the purchase policy as the target virtual resource product to be purchased.

[0183] In some embodiments, the purchase processing module is also used to display a first replacement prompt message in response to a failure to match the first virtual resource product, wherein the first replacement prompt message is used to prompt the replacement of the default virtual resource product; in response to a trigger operation on the first replacement prompt message, display at least one virtual resource product for selection; and in response to a product selection operation, determine the selected second virtual resource product as the target virtual resource product to be purchased.

[0184] In some embodiments, the purchase processing module is further used to, in response to an order application operation triggered by a target object, display an order application page, wherein the order application page includes an amount editing area and a payment method option; in response to the order editing operation, display the target amount of the virtual resources to be paid in the amount editing area, and when the payment method is set to a transfer payment method based on the payment method option, display the account information of the dedicated account; in response to the order confirmation operation, generate a purchase order and provide a transfer payment entry, wherein the transfer payment entry is used to transfer the virtual resources of the target amount to the dedicated account through the transfer payment method;

[0185] In response to the target amount of virtual resources having been transferred to the dedicated account, a target virtual resource product to be purchased is determined based on the purchase order, and the target virtual resource product is purchased using the target amount of virtual resources.

[0186] In some embodiments, the purchase processing module is also used to display at least one virtual resource product in the information page on the virtual resource platform; in response to the target object's order application operation for the third virtual resource product, display the order application page corresponding to the third virtual resource product, and the order application page includes the first product identification of the third virtual resource product; in response to the order confirmation operation, generate a purchase order carrying the first product identification; determine the third virtual resource product indicated by the first product identification in the purchase order as the target virtual resource product to be purchased.

[0187] In some embodiments, the purchase processing module is also used to display a purchase entrance in the information page on the virtual resource platform; in response to the trigger operation of the target object on the purchase entrance, display an order application page, and the order application page includes a product identification editing area; in response to the identification editing operation, display the edited second product identification in the product identification editing area; in response to the order confirmation operation, generate a purchase order carrying the second product identification.

[0188] In some embodiments, the purchase processing module is also used to match the fourth virtual resource product indicated by the second product identifier based on the purchase policy; in response to a successful match of the fourth virtual resource product, determine the fourth virtual resource product as the target virtual resource product to be purchased; in response to a failure to match the fourth virtual resource product, determine the default virtual resource product preset in the purchase policy as the target virtual resource product to be purchased.

[0189] In some embodiments, the purchase processing module is also used to display a second replacement prompt message in response to a failure to match the fourth virtual resource product, wherein the second replacement prompt message is used to prompt the replacement of the default virtual resource product; in response to a trigger operation for the product replacement prompt message, display at least one virtual resource product for selection; and in response to a product selection operation, determine the selected fifth virtual resource product as the target virtual resource product to be purchased.

[0190] In some embodiments, after the purchase order is generated and the transfer payment entry is provided, the purchase processing module is also used to send payment reminder information for the purchase order to the payment account of the target object; wherein the payment reminder information is used to prompt the target object to transfer the virtual resources of the target amount from the payment account to the exclusive account.

[0191] In some embodiments, before the target virtual resource product is purchased using the virtual resources of the target amount, the purchase processing module is also used to jump to the transfer page of the payment account in response to a trigger operation on the transfer payment entry; in response to a transfer amount input operation, display the transfer amount entered by the target object; in response to a transfer confirmation operation, transfer the virtual resources of the transfer amount from the payment account to the exclusive account; in response to the transfer amount being consistent with the target amount, use the virtual resources of the target amount to purchase the target virtual resource product.

[0192] In some embodiments, the purchase processing module is further configured to, in response to the transfer amount being inconsistent with the target amount, use the virtual resources of the transfer amount to purchase the target virtual resource product.

[0193] In some embodiments, before the virtual resources of the transfer amount are transferred from the payment account to the exclusive account, the purchase processing module is also used to display an edited second transfer remark in response to a transfer remark editing operation; wherein the second transfer remark is used to determine the target virtual resource product to be purchased.

[0194] In some embodiments, the purchase order carries a third product identifier, and the target object edits a third transfer remark when the virtual resources of the target amount are transferred to the exclusive account; the purchase processing module is also used to determine the target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product in response to the sixth virtual resource product corresponding to the third product identifier being different from the seventh virtual resource product matched based on the third transfer remark.

[0195] In some embodiments, the purchase processing module is also used to display selection prompt information, and the selection prompt information is used to prompt the target object to select a virtual resource product to be purchased from at least the sixth virtual resource product and the seventh virtual resource product; in response to a selection operation triggered based on the selection prompt information, the selected virtual resource product is determined as the target virtual resource product to be purchased.

[0196] In some embodiments, the purchase processing module is also used to determine a first matching degree between the target object and the sixth virtual resource product, and a second matching degree between the target object and the seventh virtual resource product; and determine the virtual resource product corresponding to the largest matching degree between the first matching degree and the second matching degree as the target virtual resource product to be purchased.

[0197] In some embodiments, the purchase processing module is also used to determine the manual confirmation result for the exclusive account in response to the purchase strategy including a manual confirmation strategy, when the virtual resources of the target amount are transferred to the exclusive account; in response to the manual confirmation result indicating confirmation is passed, use the virtual resources of the target amount to purchase the target virtual resource product.

[0198] The embodiment of the present application provides a computer program product, which includes a computer program or a computer executable instruction, and the computer program or the computer executable instruction is stored in a computer-readable storage medium. The processor of the electronic device reads the computer executable instruction from the computer-readable storage medium, and the processor executes the computer executable instruction, so that the electronic device executes the processing method of the virtual resource product described in the embodiment of the present application.

[0199] The present application embodiment provides a computer-readable storage medium storing computer-executable instructions, wherein the computer-executable instructions or computer programs are stored. When the computer-executable instructions or computer programs are executed by a processor, the processor will be caused to execute the processing method of the virtual resource product provided by the present application embodiment, for example, Figure 3 A processing method for virtual resource products is shown.

[0200] In some embodiments, the computer-readable storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, flash memory, magnetic surface storage, optical disk, or CD-ROM; or it may be various devices including one or any combination of the above memories.

[0201] In some embodiments, computer executable instructions may be in the form of a program, software, software module, script or code, written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including as a stand-alone program or as a module, component, subroutine or other unit suitable for use in a computing environment.

[0202] As an example, computer-executable instructions may, but need not, correspond to a file in a file system, may be stored as part of a file storing other programs or data, such as in one or more scripts in a HyperText Markup Language (HTML) document, in a single file dedicated to the program in question, or in multiple coordinated files (e.g., files storing one or more modules, subroutines, or code portions).

[0203] As an example, computer executable instructions may be deployed to be executed on one electronic device, or on multiple electronic devices located at one site, or on multiple electronic devices distributed at multiple sites and interconnected by a communication network.

[0204] The above is only an embodiment of the present application and is not intended to limit the protection scope of the present application. Any modifications, equivalent substitutions and improvements made within the spirit and scope of the present application are included in the protection scope of the present application.

Claims

1. A method for processing a virtual resource product, characterized in that: The method comprises: In response to a trigger operation of the target object on an account creation entry, displaying an account creation page; In response to the account editing operation, displaying the edited account information in the account creation page, the account information including at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase policy for virtual resource products; In response to the account creation operation, an exclusive account for the target object is created in the virtual resource organization based on the account information, wherein the exclusive account is used to purchase target virtual resource products using the target amount of virtual resources when the target amount of virtual resources is transferred to the exclusive account.

2. The method according to claim 1, characterized in that After creating the exclusive account of the target object based on the account information, the method further includes: In response to the virtual resources of the target amount being transferred from the payment account to the dedicated account, obtaining a first transfer remark when the target object transfers out the virtual resources of the target amount; Based on the first transfer remark and the purchase strategy, a target virtual resource product to be purchased is determined, and the target virtual resource product is purchased using virtual resources of the target amount.

3. The method according to claim 2, characterized in that The step of determining the target virtual resource product to be purchased based on the first transfer note and the matching strategy includes: Based on the purchase strategy, matching the first virtual resource product indicated by the first transfer note; In response to the first virtual resource product being successfully matched, determining the first virtual resource product as a target virtual resource product to be purchased; In response to the first virtual resource product matching failure, a default virtual resource product preset in the purchase policy is determined as a target virtual resource product to be purchased.

4. The method according to claim 3, characterized in that The method further comprises: In response to the first virtual resource product matching failure, displaying first replacement prompt information, wherein the first replacement prompt information is used to prompt the replacement of the default virtual resource product; In response to a triggering operation on the first replacement prompt information, displaying at least one virtual resource product available for selection; In response to the product selection operation, the selected second virtual resource product is determined as a target virtual resource product to be purchased.

5. The method according to claim 1, characterized in that After creating the exclusive account of the target object based on the account information, the method further includes: In response to the order application operation triggered by the target object, an order application page is displayed, wherein the order application page includes an amount editing area and a payment method option; In response to the order editing operation, the target amount of the virtual resource to be paid is displayed in the amount editing area, and when the payment method is set to the transfer payment method based on the payment method option, the account information of the dedicated account is displayed; In response to the order confirmation operation, generating a purchase order and providing a transfer payment entry, wherein the transfer payment entry is used to transfer the target amount of virtual resources to the dedicated account through the transfer payment method; In response to the target amount of virtual resources having been transferred to the dedicated account, a target virtual resource product to be purchased is determined based on the purchase order, and the target virtual resource product is purchased using the target amount of virtual resources.

6. The method according to claim 5, characterized in that The step of displaying an order application page in response to the order application operation triggered by the target object includes: Displaying at least one virtual resource product on an information page on a virtual resource platform; In response to the target object's order application operation for the third virtual resource product, displaying an order application page corresponding to the third virtual resource product, wherein the order application page includes a first product identifier of the third virtual resource product; The step of generating a purchase order in response to the order confirmation operation includes: In response to the order confirmation operation, generating a purchase order carrying the first product identifier; The step of determining the target virtual resource product to be purchased based on the purchase order includes: The third virtual resource product indicated by the first product identifier in the purchase order is determined as a target virtual resource product to be purchased.

7. The method according to claim 5, characterized in that The step of displaying an order application page in response to the order application operation triggered by the target object includes: Display the purchase entrance on the information page of the virtual resource platform; In response to a trigger operation of the target object on the purchase entry, displaying an order application page, wherein the order application page includes a product identification editing area; Before generating the purchase order, the method further includes: In response to the logo editing operation, displaying the edited second product logo in the product logo editing area; The step of generating a purchase order in response to the order confirmation operation includes: In response to the order confirmation operation, a purchase order carrying the second product identification is generated.

8. The method according to claim 7, characterized in that The step of determining the target virtual resource product to be purchased based on the purchase order includes: Based on the purchase strategy, matching the fourth virtual resource product indicated by the second product identifier; In response to the fourth virtual resource product being successfully matched, determining the fourth virtual resource product as a target virtual resource product to be purchased; In response to the fourth virtual resource product matching failure, a default virtual resource product preset in the purchase policy is determined as a target virtual resource product to be purchased.

9. The method according to claim 8, characterized in that The method further comprises: In response to the fourth virtual resource product matching failure, displaying second replacement prompt information, wherein the second replacement prompt information is used to prompt the replacement of the default virtual resource product; In response to a triggering operation on the product replacement prompt information, displaying at least one virtual resource product for selection; In response to the product selection operation, the selected fifth virtual resource product is determined as a target virtual resource product to be purchased.

10. The method according to claim 5, characterized in that After generating the purchase order and providing the transfer payment entry, the method further includes: Sending payment reminder information for the purchase order to the payment account of the target object; The payment prompt information is used to prompt the target object to transfer the virtual resources of the target amount from the payment account to the dedicated account.

11. The method according to claim 5, characterized in that Before using the virtual resources of the target amount to purchase the target virtual resource product, the method further includes: In response to a trigger operation on the transfer payment entry, jumping to a transfer page of the payment account; In response to the transfer amount input operation, displaying the transfer amount input by the target object; In response to the transfer confirmation operation, transferring the virtual resources of the transfer amount from the payment account to the dedicated account; The step of using the virtual resources of the target amount to purchase the target virtual resource product includes: In response to the transfer amount being consistent with the target amount, the target virtual resource product is purchased using virtual resources of the target amount.

12. The method according to claim 11, characterized in that The method further comprises: In response to the transfer amount being inconsistent with the target amount, the target virtual resource product is purchased using virtual resources of the transfer amount.

13. The method according to claim 11, characterized in that Before transferring the virtual resources of the transfer amount from the payment account to the dedicated account, the method further includes: In response to the editing operation of the transfer note, displaying the edited second transfer note; The second transfer remark is used to determine the target virtual resource product to be purchased.

14. The method according to claim 5, characterized in that The purchase order carries a third product identifier, and the target object edits a third transfer remark when transferring the virtual resources of the target amount to the dedicated account; The step of determining the target virtual resource product to be purchased based on the purchase order includes: In response to the sixth virtual resource product corresponding to the third product identifier being different from the seventh virtual resource product matched based on the third transfer postscript, a target virtual resource product to be purchased is determined based on the sixth virtual resource product and the seventh virtual resource product.

15. The method according to claim 14, characterized in that The step of determining a target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product includes: displaying selection prompt information, wherein the selection prompt information is used to prompt the target object to select a virtual resource product to be purchased from at least the sixth virtual resource product and the seventh virtual resource product; In response to a selection operation triggered based on the selection prompt information, the selected virtual resource product is determined as a target virtual resource product to be purchased.

16. The method according to claim 14, characterized in that The step of determining a target virtual resource product to be purchased based on the sixth virtual resource product and the seventh virtual resource product includes: Determining a first matching degree between the target object and the sixth virtual resource product, and a second matching degree between the target object and the seventh virtual resource product; The virtual resource product corresponding to the largest matching degree between the first matching degree and the second matching degree is determined as the target virtual resource product to be purchased.

17. The method according to any one of claims 1 to 16, characterized in that: The step of using the virtual resources of the target amount to purchase the target virtual resource product includes: In response to the purchase strategy including a manual confirmation strategy, when the virtual resources of the target amount are transferred to the dedicated account, determining a manual confirmation result for the dedicated account; In response to the manual confirmation result indicating that the confirmation is passed, the target virtual resource product is purchased using the virtual resources of the target amount.

18. A processing device for a virtual resource product, characterized in that: The device comprises: A page display module, configured to display an account creation page in response to a trigger operation of a target object on an account creation entry; An editing and displaying module, configured to display the edited account information in the account creation page in response to the account editing operation, wherein the account information includes at least one of the following: a payment account for paying for virtual resources, a virtual resource institution for receiving virtual resources transferred from the payment account, and a purchase strategy for virtual resource products; An account creation module is used to create an exclusive account for the target object in the virtual resource organization based on the account information in response to an account creation operation, wherein the exclusive account is used to purchase the target virtual resource product with the virtual resources of the target amount when the virtual resources of the target amount are transferred to the exclusive account.

19. An electronic device, characterized in that: include: A memory for storing computer executable instructions or computer programs; The processor is used to implement the method for processing virtual resource products as described in any one of claims 1 to 17 when executing the computer executable instructions or computer programs stored in the memory.

20. A computer-readable storage medium, characterized in that: Computer executable instructions or computer programs are stored, and when the computer executable instructions or computer programs are executed by a processor, the processing method of the virtual resource product according to any one of claims 1 to 17 is implemented.

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