Resource processing method and device

Abstract

The embodiment of the invention provides a resource processing method and device.The resource processing method comprises the steps that a target certificate matched with purchased resources of a user is determined according to an access channel for resource access of the user, whether the target certificate can be cancelled after verification or not is detected based on resource data of the purchased resources, and if detection passes, the target certificate is sent to the user; if the purchased resources meet specific conditions, cancelling the target voucher after verification, determining right and interest parameters of voucher rights and interests of the target voucher, further issuing the voucher rights and interests to the user according to the right and interest parameters, and unlocking the voucher rights and interests through voucher rights and interests locking under the condition that the purchased resources meet the specific conditions. Therefore, the purchased resources of the user are managed by means of processing the vouchers and voucher rights and interests.

Description

Technical Field

[0001] This document relates to the field of data processing technology, and in particular to a resource processing method and device. Background Art

[0002] With the continuous development and promotion of the Internet, the application scope of various online services provided based on the Internet is becoming wider and wider. In this case, a method of purchasing resources online has emerged and has gradually been accepted by users. However, as more and more resource agencies access this method, competition among resource agencies is also becoming increasingly fierce. In this case, how resource agencies can improve customer satisfaction after acquiring customers has become the focus of attention for resource agencies. Summary of the invention

[0003] One or more embodiments of the present specification provide a resource processing method, including: determining a target voucher that matches a purchased resource of the user according to an access channel through which the user accesses the resource. Performing a verification check on the target voucher based on the resource data of the purchased resource. If the check passes, the target voucher is cancelled. Determining the rights and interests parameters of the voucher rights and interests according to the resource data and the voucher template of the target voucher. Issuing voucher rights and interests to the user and locking voucher rights and interests according to the rights and interests parameters. Associating the voucher rights and interests with the purchased resource. The voucher rights and interests are unlocked after the resource indicators of the purchased resource meet the rights and interests effectiveness conditions.

[0004] One or more embodiments of the present specification provide a resource processing device, including: a voucher matching module, configured to determine a target voucher that matches a purchased resource of a user according to an access channel through which the user accesses the resource. A cancellation detection module, configured to perform a cancellation detection on the target voucher based on the resource data of the purchased resource. A parameter determination module, configured to cancel the target voucher if the detection passes, and determine the rights and interests parameters of the voucher rights and interests according to the resource data and the voucher template of the target voucher. A rights and interests processing module, configured to issue and lock voucher rights and interests to the user according to the rights and interests parameters, and associate the voucher rights and interests with the purchased resource. The voucher rights and interests are unlocked after the resource indicators of the purchased resource meet the rights and interests effectiveness conditions.

[0005] One or more embodiments of the present specification provide a resource processing device, including: a processor; and a memory configured to store computer executable instructions, wherein when the computer executable instructions are executed, the processor: determines a target voucher that matches the user's purchased resources based on the access channel through which the user accesses the resources. Performs a verification check on the target voucher based on the resource data of the purchased resources. If the check passes, the target voucher is verified. Determines the rights and interests parameters of the voucher rights and interests based on the resource data and the voucher template of the target voucher. Issues and locks the voucher rights and interests to the user according to the rights and interests parameters. Associates the voucher rights and interests with the purchased resources. The voucher rights and interests are unlocked after the resource indicators of the purchased resources meet the rights and interests effectiveness conditions.

[0006] One or more embodiments of the present specification provide a computer-readable storage medium for storing computer-executable instructions, which implement the following process when executed: Determine a target voucher that matches the user's purchased resources based on the access channel through which the user accesses the resources. Perform a write-off test on the target voucher based on the resource data of the purchased resources. If the test passes, write off the target voucher. Determine the rights and interests parameters of the voucher rights and interests based on the resource data and the voucher template of the target voucher. Issue voucher rights and interests to the user and lock voucher rights and interests according to the rights and interests parameters. Associate the voucher rights and interests with the purchased resources. The voucher rights and interests are unlocked after the resource indicators of the purchased resources meet the rights and interests effectiveness conditions. BRIEF DESCRIPTION OF THE DRAWINGS

[0007] In order to more clearly illustrate one or more embodiments of the present specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the prior art descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in the present specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative labor. Figure 1 A schematic diagram of an implementation environment of a resource processing method provided for one or more embodiments of this specification; Figure 2 A processing flow chart of a resource processing method provided for one or more embodiments of this specification; Figure 3 A processing flow chart of a resource processing method applied to a first resource processing scenario provided in one or more embodiments of this specification; Figure 4 A processing flow chart of a resource processing method applied to a second resource processing scenario provided in one or more embodiments of this specification; Figure 5A schematic diagram of an embodiment of a resource processing device provided for one or more embodiments of this specification; Figure 6 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0008] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of them. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0009] The resource processing method provided in one or more embodiments of this specification can be applied to the implementation environment of the resource processing system. Figure 1 , the implementation environment at least includes: User terminal 101 and server 102; The user terminal 101 is used to cooperate with the server 102 to perform credential processing, resource processing, and credential rights processing. The user terminal 101 can specifically be a mobile phone, a personal computer, a tablet computer, an e-book reader, a device for information interaction based on VR (Virtual Reality, virtual reality technology), a vehicle terminal, an IoT device, a wearable smart device, a laptop portable computer, a desktop computer, etc.; The server 102 is used to perform credential processing, resource processing, and credential rights processing in response to the operation of the user terminal 101. The server 102 can be a single server, or a server cluster composed of several servers, or one or more cloud servers in a cloud computing platform.

[0010] In this implementation environment, after the user obtains the voucher through the user terminal 101 during the resource access process, the server 102 determines the target voucher that matches the user's purchased resources according to the access channel of the user terminal 101 for resource access, and when the user terminal 101 cooperates with the server 102 to conduct resource transactions to obtain the purchased resources, the server 102 performs a verification test on the target voucher based on the resource data of the user's purchased resources, and cancels the target voucher if the test passes, and determines the rights and interests parameters of the voucher rights and interests according to the resource data of the purchased resources and the voucher template of the target voucher, and further, issues and locks the voucher rights and interests to the user according to the rights and interests parameters, and by associating the voucher rights and interests with the purchased resources, the voucher rights and interests are unlocked after the resource indicators of the purchased resources meet the rights and interests effective conditions, that is, the user can use the issued voucher rights and interests after the resource indicators of the purchased resources meet the rights and interests effective conditions, thereby guiding users to establish better resource management habits with the help of voucher processing and voucher rights and interests processing during resource processing.

[0011] It should be noted that, considering that the resource data and user-related data involved in this specification may belong to the user's privacy to a certain extent, if you want to collect resource data and user-related data, you can obtain the user's authorization before collecting the data, so that the operation of collecting data complies with relevant data management regulations. For example, data authorization can be performed during the user's resource access process, or before or after the resource access; the specific method of data authorization can be to send a user data authorization reminder to the user, and the user can obtain data collection authorization after confirming the reminder through an instruction, or the method of data authorization can also be to obtain data collection authorization by signing a data authorization agreement. One or more embodiments of a resource processing method provided in this specification are as follows: Reference Figure 2 The resource processing method provided in this embodiment specifically includes steps S202 to S208.

[0012] Step S202: determining a target credential that matches the purchased resource of the user according to the access channel through which the user accesses the resource.

[0013] The resource access described in this embodiment refers to the process of users accessing purchasable trading resources or digital resources, where trading resources can be financial products, assets and / or resources, such as currency, gold, foreign exchange, securities, financial products or insurance, etc.; digital resources can be various forms of assets such as digital assets or data assets, and can also be various forms of digital resources such as carbon credits (carbon resources).

[0014] Purchased resources refer to resources that the user has purchased. Access channels refer to specific pages that the user visits during the resource access process; optionally, the access channels include: resource pages of resource services accessed by the user, and / or resource access pages that the user enters after triggering the received voucher.

[0015] A voucher refers to a data voucher related to the transaction or holding of resources that is recommended and issued to users. The data voucher can be in the form of a security or voucher card. The target voucher refers to the voucher that the current user needs to cancel after purchasing the purchased resources. Voucher rights refer to the rights of the currently cancelled voucher issued to the user after the user cancels the voucher, that is, the rights issued to the user after the voucher is successfully cancelled. The rights can be rights related to resources, such as additional rights for purchased resources; the rights can also be other forms of rights, such as payment deduction rights for users to make payment deductions, and cash red envelope rights.

[0016] During the specific implementation process, after the voucher is recommended to the user, the user can receive the voucher by triggering the voucher; after the user receives the voucher, the user can use and cancel the voucher in the process of purchasing resources. After the voucher is successfully cancelled, the corresponding voucher rights and interests will be issued to the user. During the specific user's resource purchase process, the user can cancel the voucher received by the user after purchasing the resources. After the voucher is successfully cancelled, the corresponding voucher rights and interests will be issued to the user. The voucher rights and interests will take effect when the user purchases the purchased resources and meets certain conditions, that is, the user can use the issued voucher rights and interests only when the user purchases the purchased resources and meets certain conditions.

[0017] In actual applications, vouchers can be recommended and issued to users during the process of user access to resources, so that users can use and verify the issued vouchers after purchasing resources, and corresponding voucher rights can be issued to users after the vouchers are successfully verified. Specifically, in the process of issuing vouchers to users, in order to improve the targeted issuance of vouchers, thereby increasing the probability of the vouchers issued to users being collected and used and verified, the user category of the user can be matched with each voucher template type based on the user's user category, and the corresponding voucher can be recommended to the user based on the voucher template under the voucher template type that matches the user category, and the corresponding voucher can be issued to the user after the collection instruction is detected.

[0018] Specifically, in an optional implementation manner provided in this embodiment, the voucher is issued in the following manner: Match the user category of the user with each voucher template type to obtain a matching voucher template type; Calculate the recommended index for each voucher template for the user under the matching voucher template type, select a voucher template according to the recommended index, and recommend the voucher corresponding to the selected voucher template to the user; If a user's instruction to receive the certificate is detected, the certificate will be issued to the user.

[0019] In a specific implementation process, in the process of issuing a voucher to a user, based on determining the user category of the user and based on one or more pre-configured voucher template types, a matching voucher template type is obtained by matching the user category with each voucher template type. Here, the matching degree between the user category and each voucher template type can be calculated, and the matching degrees can be sorted in descending order, and the voucher template type corresponding to the matching degree with the highest ranking can be used as the matching voucher template type; On the basis of the voucher template type matching the user category, the recommendation index for each voucher template under the matching voucher template type can be further calculated, the voucher template can be selected according to the recommendation index, and the voucher corresponding to the selected voucher template can be recommended to the user. Specifically, the recommendation index can be calculated by inputting the user data and each voucher template into the recommendation algorithm or recommendation model. The recommendation index can also be sorted in descending order, and the voucher corresponding to the voucher template corresponding to the recommended index that ranks first in the sorting order can be used as the voucher recommended to the user.

[0020] In addition, considering that different users may have different resource access preferences or habits in practice, here, more personalized vouchers can be recommended to users to address this issue, thereby increasing the probability that the vouchers issued to users are collected and used and cancelled. Specifically, in another optional implementation provided by this embodiment, the following method can also be used to issue vouchers: match the user category of the user with each voucher template to obtain a matching voucher template; determine the template parameters of the voucher template based on user data, and recommend the voucher corresponding to the voucher template to the user based on the determined template parameters, and issue the voucher to the user after detecting the collection instruction. Among them, the template parameters of the voucher template are determined based on user data, and the template parameters adapted to the current user data can be determined by inputting the user data and the voucher template into a parameter determination model or a parameter determination script.

[0021] In this embodiment, taking into account the possibility that in practice there may be situations where the user has not received the credential, the received credential has expired, or the credential is invalid, it is also possible to determine whether to issue the credential to the user through detection during the user's resource access process. In an optional implementation manner provided by this embodiment, in response to the user's access request for resource access, the user's credential issuance is verified, and the credential processing status is determined based on the verification result; if the credential processing status is the issuance status, the credential is configured on the access page corresponding to the access request; the target credential is obtained after the credential identifier is triggered.

[0022] In addition, after the voucher is issued to the user and the user receives the voucher, the user can use and cancel the received voucher in the process of purchasing resources. Considering that the number of vouchers received by the user may be one or more, in this case, in order to facilitate the user to use and cancel the received voucher in the process of resource access, this embodiment provides another optional implementation method, in response to the user's access request for resource access, the user's voucher issuance is verified, and the voucher processing status is determined according to the verification result; if the voucher processing status is a cancellation status, the voucher cancellation interface of the target voucher is configured on the access page corresponding to the access request.

[0023] It should be noted that, in the specific execution process, based on the verification of credential issuance to the user, corresponding processing can be performed according to the verification result, so as to realize the organic combination of credential issuance and credential cancellation, which helps to improve the possibility of credential issuance and credential cancellation. Specifically, in an optional implementation manner provided by this embodiment, in response to the user's access request for resource access, the user's credential issuance is verified, and the credential processing status is determined according to the verification result; if the credential processing status is the issuance status, the credential is configured on the access page corresponding to the access request; if the credential processing status is the cancellation status, the credential cancellation interface of the target credential is configured on the access page corresponding to the access request.

[0024] In specific implementation, when the user has received the voucher and purchased the purchased resource, the user can use and cancel the received voucher based on the purchased resource. Specifically, in the process of determining the voucher to be cancelled for the current purchased resource, the target voucher matching the user's purchased resource is determined according to the access channel through which the user accesses the resource. In the specific execution process, the determination of the target voucher can be performed when it is detected that the purchased resource has been successfully purchased / completed.

[0025] Specifically, in an optional implementation provided by this embodiment, a target credential that matches the user's purchased resources is determined based on the access channel through which the user accesses the resources, including: determining a credential matching pattern based on the access channel, and performing credential matching on the access channel according to the credential matching pattern to obtain the target credential.

[0026] Optionally, the credential matching mode includes a first matching mode and / or a second matching mode; wherein the first credential mode refers to a matching mode that uses the credential currently selected by the user as the target credential, and the second credential mode refers to a matching mode that matches the target credential among all credentials received by the user. The access channel includes: a resource page of a resource service accessed by the user, and / or a resource access page entered by the user after triggering the received credential.

[0027] In a specific execution process, a credential matching mode is determined according to an access channel, and the credential matching of the access channel is performed according to the credential matching mode to obtain a target credential, including: if the access channel is a resource access page entered after a user triggers any received credential, the credential matching mode is determined to be a first matching mode, and any triggered received credential is determined as a target credential according to the first matching mode; In addition, determining a credential matching mode according to an access channel, and performing credential matching of the access channel according to the credential matching mode to obtain a target credential also includes: if the access channel is a resource page of a resource service, determining that the credential matching mode is a second matching mode; calculating the matching degree between the user's received credential and the purchased resource according to the second matching mode, and selecting a target credential from the received credential based on the matching degree.

[0028] It should be noted that, in addition to the above-mentioned implementation method of determining the credential matching pattern and determining the target credential based on the determined credential matching pattern, the second optional implementation method provided in this embodiment determines the target credential that matches the user's purchased resources based on the access channel through which the user accesses the resources, including: if the access channel is a resource access page entered after the user triggers any received credential, any triggered received credential is determined as the target credential.

[0029] In a third optional implementation manner provided by this embodiment, a target credential matching the user's purchased resource is determined according to an access channel through which the user accesses the resource, including: if the access channel is a resource page of a resource service, a matching degree between the user's received credential and the purchased resource is calculated, and a target credential is selected from the received credential based on the matching degree.

[0030] Step S204: performing verification check on the target voucher based on the resource data of the purchased resource.

[0031] In specific implementation, after determining the target voucher that matches the user's purchased resources, the target voucher is verified and checked based on the resource data of the purchased resources, so as to detect whether the currently purchased resources can be used and the target voucher can be verified. Specifically, in the process of verifying the target voucher based on the resource data of the purchased resources, it can be detected whether the currently purchased resources can be used and the target voucher can be verified by detecting whether the resource data of the purchased resources meets the verification rules of the target voucher; if the resource data of the purchased resources meets the verification rules, it indicates that the detection is passed, that is, the currently purchased resources can be used and the target voucher can be verified; if the resource data of the purchased resources does not meet the verification rules, it indicates that the detection is not passed, that is, the currently purchased resources cannot be used and the target voucher can be verified. In this case, a verification failure reminder can be sent to the user or no processing can be performed. Among them, the verification rules include that the resource identifier of the purchased resource is in the list of available resources recorded in the voucher template, and / or that the resource amount of the purchased resource is greater than the amount of access resources recorded in the voucher template.

[0032] In an optional implementation manner provided by this embodiment, the target voucher is verified based on the resource data of the purchased resource, including: detecting whether the resource identifier included in the resource data is in the available resource list recorded in the voucher template; if not, determining that the detection fails; If so, check whether the resource amount contained in the resource data is greater than or equal to the access resource amount recorded in the voucher template. If so, determine that the test has passed; if not, determine that the test has failed.

[0033] Step S206: If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher.

[0034] When the above-mentioned verification test of the target voucher based on the resource data of the purchased resources passes, it indicates whether the purchased resources purchased by the current user can be used and the target voucher can be verified. In this case, the target voucher is verified, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; among them, verifying the target voucher means updating the status of the target voucher from an unverified status to a verified status. After the status of the target voucher is updated to the verified status, it indicates that the current target voucher has been used and verified, and cannot be used and verified again in the future.

[0035] The voucher template described in this embodiment refers to a data template of a voucher, which records: a list of resources that can use and cancel the current voucher, one or more rights and interests levels for calculating the rights and interests amount of the voucher rights and interests of the current voucher, a rule for determining the rights and interests validity period of the voucher rights and interests of the current voucher, and / or a rule for determining the rights and interests validity period of the voucher rights and interests of the current voucher; in addition, the data template may also record other information related to the voucher or voucher rights and interests.

[0036] In specific implementation, the purpose of determining the equity parameters of the voucher benefits according to the resource data and the voucher template of the target voucher is to prepare for the subsequent issuance of the voucher benefits of the target voucher to the user, that is, to determine the equity parameters of the voucher benefits that need to be issued to the user when the user uses and cancels the target voucher after purchasing the purchased resources. Optionally, the equity parameters include the equity amount, the equity effective period and / or the equity validity period.

[0037] Specifically, in an optional implementation manner provided by this embodiment, determining the rights and interests parameters of the voucher rights and interests according to the resource data and the voucher template of the target voucher includes: Determine the target equity level corresponding to the resource amount contained in the resource data in the equity level recorded in the voucher template, and input the resource amount into the equity algorithm corresponding to the target equity level to calculate the equity amount to obtain the equity amount; The benefit effective period and benefit validity period are determined based on the purchase time contained in the resource data and the benefit rules recorded in the voucher template.

[0038] It should be noted that, in addition to the above-mentioned implementation methods for determining the equity amount, equity effective period and equity validity period of the certificate equity, there may be a situation in practice where the parameters of the certificate equity of the target certificate only include any one or any two of the equity amount, equity effective period and equity validity period. In this case, the corresponding technical means in the above-mentioned implementation methods for determining the equity amount, equity effective period and equity validity period of the certificate equity can be used to determine any one or any two of the equity amount, equity effective period and equity validity period. For example, the equity parameters of the certificate equity are determined according to the resource data and the certificate template of the target certificate, including: determining the target equity level corresponding to the resource amount contained in the resource data in the equity level recorded in the certificate template, and inputting the resource amount into the equity algorithm corresponding to the target equity level to calculate the equity amount to obtain the equity amount, and determining the equity effective period according to the purchase time contained in the resource data and the equity rules recorded in the certificate template; or, determining the equity parameters of the certificate equity according to the resource data and the certificate template of the target certificate, including: reading the equity amount recorded in the certificate template, and determining the equity effective period and the equity validity period according to the purchase time contained in the resource data and the equity rules recorded in the certificate template.

[0039] Step S208: issuing and locking the voucher rights to the user according to the rights parameters, and associating the voucher rights with the purchased resources.

[0040] In this embodiment, the voucher is recommended and issued to the user before the user purchases the resource, specifically, it is issued to the user during the process of the user accessing the resource, that is, the issuance of the voucher is related to the resource access performed by the user (the issuance of the voucher corresponds to the resource access performed by the user); After that, the cancellation of the voucher is carried out after the user purchases the purchased resources, that is, the cancellation of the voucher is related to the resource transaction (resource purchase) carried out by the user (the cancellation of the voucher corresponds to the resource purchase carried out by the user); Furthermore, after the voucher is successfully cancelled, the voucher rights are issued to the user, that is, the cancellation of the voucher is also related to the resource purchase made by the user (the cancellation of the voucher corresponds to the resource purchase made by the user); Furthermore, after the voucher rights are issued, the status of the voucher rights is related to the purchased resources. Specifically, after the voucher rights are issued to the user according to the rights parameters, the voucher rights are in a locked state. Specifically, the voucher rights are locked by voucher rights locking. The voucher rights in the locked state cannot be used, but are unlocked and can be used by users when the purchased resources meet certain conditions. That is, the status of the voucher rights is related to the transaction status of the purchased resources (the status of the voucher rights corresponds to the transaction status of the purchased resources).

[0041] Optionally, the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions. The resource indicators may be holding indicators, such as the purchase time of the purchased resources. The rights effectiveness conditions include: the purchase time of the purchased resources meets the rights effectiveness period; the unlocked voucher rights are used to pay for the user's payment order.

[0042] Here, the purpose of associating the voucher rights with the purchased resources is, on the one hand, to determine whether the voucher rights are locked or not according to the resource indicators of the purchased resources, that is, whether the purchased resources need to be unlocked, and on the other hand, to determine whether the rights voucher is cancelled or not according to the transaction status of the purchased resources, that is, whether the rights voucher needs to be cancelled. It should be noted that associating the voucher rights with the purchased resources may not be performed in the specific implementation process, that is, issuing voucher rights to users and locking voucher rights according to the rights parameters, and associating the voucher rights with the purchased resources can be replaced by issuing voucher rights to users and locking voucher rights according to the rights parameters.

[0043] In an optional implementation manner provided by this embodiment, issuing certificate rights and interests to users and locking certificate rights and interests according to the rights and interests parameters include: Generate certificate equity based on equity amount, equity effective date and equity validity period; Issue voucher rights to the user's account and lock the voucher rights status.

[0044] In addition, in the process of issuing certificate rights to users according to the rights parameters, in addition to generating certificate rights according to the rights amount, rights effective period and rights validity period provided above, certificate rights can also be generated according to the rights amount, rights effective period, rights validity period and rights template, or, certificate rights can also be generated according to at least one of the rights amount, rights effective period and rights validity period, or, certificate rights can also be generated according to at least one of the rights amount, rights effective period and rights validity period and the rights template.

[0045] As described above, the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions. In practice, there may be a situation where the rights effectiveness conditions have not yet been met but the purchased resources purchased by the user have been sold. In this case, the voucher rights that have not yet been unlocked can be cancelled. Specifically, in an optional implementation manner provided by this embodiment, if it is detected that the purchased resources are sold before the expiration of the rights effectiveness period, the association between the voucher rights and the purchased resources is released, and the voucher rights are cancelled.

[0046] In summary, the resource processing method provided in the present embodiment recommends and issues vouchers to users during the process of resource access by users. When it is detected that the purchased resources have been purchased successfully, the target voucher matching the purchased resources of the user can be determined according to the access channel through which the user accesses the resources, and the target voucher can be verified based on the resource data of the purchased resources, so as to detect whether the currently purchased resources can be used and the target voucher received by the user can be verified. When the detection passes, it indicates that the purchased resources purchased by the current user can be used and the target voucher can be verified, so the target voucher is verified, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher. Furthermore, the voucher rights and interests are issued and locked to the user according to the rights and interests parameters, and the voucher rights and interests are associated with the purchased resources, so as to guide users to establish better resource management habits with the help of the issuance and verification of vouchers and the issuance and management of voucher rights and interests.

[0047] The following uses the application of a resource processing method provided in this embodiment in the first resource processing scenario as an example. Figure 3 , the resource processing method provided in this embodiment is further described, see Figure 3 , a resource processing method applied to a first resource processing scenario specifically includes the following steps.

[0048] Step S302, determining a credential matching pattern according to an access channel for a user to access a resource, and performing credential matching of the access channel according to the credential matching pattern to obtain a target credential.

[0049] Step S304: Perform verification check on the target voucher based on the resource data of the purchased resources.

[0050] Step S306: If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher.

[0051] Step S308, generating certificate rights and interests according to the rights and interests amount, rights and interests effective period and rights and interests validity period in the rights and interests parameters.

[0052] Step S310: issuing certificate rights to the user account of the user, and locking the rights status of the certificate rights.

[0053] Step S312: If it is detected that the purchase duration of the purchased resource meets the validity period of the voucher rights, the voucher rights are unlocked.

[0054] Step S314: If it is detected that the purchased resources are sold before the expiration of the rights and interests, the certificate rights and interests are cancelled.

[0055] It should be noted that any one of steps S302 to S314 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S302 to S314 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S302 to S314 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0056] The following takes the application of a resource processing method provided in this embodiment in the second resource processing scenario as an example, combined with Figure 4 , the resource processing method provided in this embodiment is further described, see Figure 4 , a resource processing method applied to the second resource processing scenario specifically includes the following steps.

[0057] Step S402: Determine the access channel for the user to access the resource.

[0058] Step S404: If the access channel is a resource access page entered after the user triggers any received credential, the triggered any received credential is determined as the target credential.

[0059] Step S406: If the access channel is a resource page of a resource service, the matching degree between the user's received voucher and the purchased resource is calculated, and a target voucher is selected from the received vouchers based on the matching degree.

[0060] Step S408, checking whether the resource data of the purchased resources meets the verification rules of the target voucher; If yes, execute the following steps S410 to S416; If not, generate a cancellation failure reminder or do nothing.

[0061] Step S410, determining the rights and interests parameters of the voucher rights and interests according to the resource data and the voucher template of the target voucher.

[0062] Step S412: issuing and locking the voucher rights to the user according to the rights parameters, and associating the voucher rights with the purchased resources.

[0063] Step S414: if it is detected that the purchase duration of the purchased resource meets the validity period of the voucher rights, the voucher rights are unlocked.

[0064] It should be noted that any one of steps S402 to S414 or any combination of multiple steps can be combined with any one of steps S202 to S208 to form a new implementation method according to the needs of implementation deployment; in addition, according to the needs of actual deployment, any one or multiple technical features can be selected from steps S402 to S414 and combined with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method; or, any one or multiple technical features in steps S402 to S414 can be replaced with any one or multiple technical features provided by steps S202 to S208 to form a new implementation method according to the needs of actual deployment, which will not be repeated here.

[0065] An embodiment of a resource processing device provided in this specification is as follows: In the above-mentioned embodiment, a resource processing method is provided, and correspondingly, a resource processing device is also provided, which is described below with reference to the accompanying drawings.

[0066] Reference Figure 5 , which shows a schematic diagram of an embodiment of a resource processing device provided in this embodiment.

[0067] Since the device embodiment corresponds to the method embodiment, the description is relatively simple, and the relevant parts can refer to the corresponding description of the method embodiment provided above. The device embodiment described below is only illustrative.

[0068] This embodiment provides a resource processing device, the device comprising: The credential matching module 502 is configured to determine a target credential that matches the purchased resource of the user according to the access channel through which the user accesses the resource; A write-off detection module 504 is configured to perform a write-off detection on the target voucher based on the resource data of the purchased resource; A parameter determination module 506 is configured to cancel the target voucher if the detection passes, and determine the equity parameter of the voucher equity according to the resource data and the voucher template of the target voucher; The rights processing module 508 is configured to issue and lock the voucher rights to the user according to the rights parameters, and associate the voucher rights with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

[0069] An embodiment of a resource processing device provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification further provide a resource processing device, the resource processing device is used to execute the resource processing method provided above, Figure 6 A schematic diagram of the structure of a resource processing device provided in one or more embodiments of this specification.

[0070] This embodiment provides a resource processing device, including: like Figure 6 As shown, the resource processing device may have relatively large differences due to different configurations or performances, and may include one or more processors 601 and memory 602, and the memory 602 may store one or more storage applications or data. Among them, the memory 602 may be a short-term storage or a persistent storage. The application stored in the memory 602 may include one or more modules (not shown in the figure), and each module may include a series of computer executable instructions in the resource processing device. Furthermore, the processor 601 may be configured to communicate with the memory 602 and execute a series of computer executable instructions in the memory 602 on the resource processing device. The resource processing device may also include one or more power supplies 603, one or more wired or wireless network interfaces 604, one or more input / output interfaces 605, one or more keyboards 606, etc.

[0071] In a specific embodiment, the resource processing device includes a memory and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer executable instructions in the resource processing device, and the one or more programs are configured to be executed by one or more processors, including computer executable instructions for performing the following: Determining a target credential that matches a purchased resource of the user based on an access channel through which the user accesses the resource; Performing verification and detection on the target voucher based on the resource data of the purchased resource; If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; The voucher rights are issued and locked to the user according to the rights parameters, and the voucher rights are associated with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

[0072] An embodiment of a computer-readable storage medium provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer-readable storage medium.

[0073] The computer-readable storage medium provided in this embodiment is used to store computer-executable instructions, and the computer-executable instructions implement the following process when executed: Determining a target credential that matches a purchased resource of the user based on an access channel through which the user accesses the resource; Performing verification and detection on the target voucher based on the resource data of the purchased resource; If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; The voucher rights are issued and locked to the user according to the rights parameters, and the voucher rights are associated with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

[0074] It should be noted that an embodiment of a computer-readable storage medium in this specification and an embodiment of a resource processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0075] An embodiment of a computer program product provided in this specification is as follows: Corresponding to the resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a computer program product.

[0076] A computer program product, comprising a computer program / instruction, which, when executed by a processor, implements the following steps: Determining a target credential that matches a purchased resource of the user based on an access channel through which the user accesses the resource; Performing verification and detection on the target voucher based on the resource data of the purchased resource; If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; The voucher rights are issued and locked to the user according to the rights parameters, and the voucher rights are associated with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

[0077] It should be noted that an embodiment of a computer program product in this specification and an embodiment of a resource processing method in this specification are based on the same inventive concept, so the specific implementation of this embodiment can refer to the implementation of the aforementioned corresponding method, and the repeated parts will not be repeated.

[0078] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other. Each embodiment focuses on the differences from other embodiments. For example, the device embodiment, equipment embodiment, computer-readable storage medium embodiment, and computer program product embodiment are similar to the method embodiment, so the description is relatively simple. To read the relevant contents of the device embodiment, equipment embodiment, computer-readable storage medium embodiment, and computer program product embodiment, please refer to the partial description of the method embodiment.

[0079] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0080] In the 1930s, improvements to a technology could be clearly distinguished as hardware improvements (for example, improvements to circuit structures such as diodes, transistors, switches, etc.) or software improvements (improvements to method flows). However, with the development of technology, many of today's method flow improvements can be regarded as direct improvements to hardware circuit structures. Designers almost always obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement in a method flow cannot be implemented using hardware entity modules. For example, a programmable logic device (PLD) (such as a field programmable gate array (FPGA)) is such an integrated circuit whose logical function is determined by the user's programming of the device. Designers can "integrate" a digital system on a PLD by programming it themselves, without having to ask chip manufacturers to design and produce dedicated integrated circuit chips. Moreover, nowadays, instead of manually making integrated circuit chips, this kind of programming is mostly implemented by "logic compiler" software, which is similar to the software compiler used when developing and writing programs, and the original code before compilation must also be written in a specific programming language, which is called hardware description language (HDL). There is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. The most commonly used ones are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also know that it is only necessary to program the method flow slightly in the above-mentioned hardware description languages ​​and program it into the integrated circuit, and then it is easy to obtain the hardware circuit that implements the logic method flow.

[0081] The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or processor and a computer-readable medium storing a computer-readable program code (e.g., software or firmware) executable by the (micro)processor, a logic gate, a switch, an application-specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include but are not limited to the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, and the memory controller may also be implemented as part of the control logic of the memory. It is also known to those skilled in the art that, in addition to implementing the controller in a purely computer-readable program code manner, the controller may be implemented in the form of a logic gate, a switch, an application-specific integrated circuit, a programmable logic controller, and an embedded microcontroller by logically programming the method steps. Therefore, such a controller may be considered as a hardware component, and the devices for implementing various functions included therein may also be considered as structures within the hardware component. Or even, the devices for implementing various functions may be considered as both software modules for implementing the method and structures within the hardware component.

[0082] The systems, devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0083] For the convenience of description, the above devices are described in terms of functions and are divided into various units. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0084] It should be understood by those skilled in the art that one or more embodiments of the present specification may be provided as a method, system or computer program product. Therefore, one or more embodiments of the present specification may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present specification may take the form of a computer program product implemented on one or more computer-readable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0085] This specification is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the embodiments of this specification. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable resource processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable resource processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0086] These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable resource processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0087] These computer program instructions can also be loaded onto a computer or other programmable resource processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0088] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0089] Memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. Memory is an example of a computer-readable medium.

[0090] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer-readable instructions, data structures, program modules or other data. Examples of computer-readable storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0091] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of further restrictions, the elements defined by the sentence "includes at least one ..." do not exclude the presence of other identical elements in the process, method, commodity or device including the elements.

[0092] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0093] The above description is only an embodiment of this document and is not intended to limit this document. For those skilled in the art, this document may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this document should be included in the scope of the claims of this document.

Claims

1. A resource processing method, comprising: Determining, based on the access channel through which the user accesses the resource, a target credential that matches the purchased resource of the user; Performing verification and detection on the target voucher based on the resource data of the purchased resource; If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; The voucher rights are issued and locked to the user according to the rights parameters, and the voucher rights are associated with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

2. The resource processing method according to claim 1, wherein determining the target credential matching the purchased resource of the user according to the access channel through which the user accesses the resource comprises: A credential matching pattern is determined according to the access channel, and credential matching of the access channel is performed according to the credential matching pattern to obtain the target credential.

3. The resource processing method according to claim 1, wherein determining the target credential matching the purchased resource of the user according to the access channel through which the user accesses the resource comprises: If the access channel is a resource access page entered after the user triggers any received credential, the triggered any received credential is determined as the target credential.

4. The resource processing method according to claim 1, wherein determining the target credential matching the purchased resource of the user according to the access channel through which the user accesses the resource comprises: If the access channel is a resource page of a resource service, the matching degree between the received voucher of the user and the purchased resource is calculated, and the target voucher is selected from the received vouchers based on the matching degree.

5. The resource processing method according to claim 1, wherein determining the rights and interests parameters of the voucher rights and interests according to the resource data and the voucher template of the target voucher comprises: Determine the target equity level corresponding to the resource amount contained in the resource data in the equity level recorded in the voucher template, and input the resource amount into the equity algorithm corresponding to the target equity level to calculate the equity amount to obtain the equity amount; The rights and interests effective period and the rights and interests validity period are determined according to the purchase time contained in the resource data and the rights and interests rules recorded in the voucher template.

6. The resource processing method according to claim 5, wherein the issuing of certificate rights and interests and locking of certificate rights and interests to the user according to the rights and interests parameters comprises: Generate the voucher equity according to the equity amount, the equity effective period, the equity validity period and the voucher template; The certificate rights and interests are issued to the user account of the user, and the rights and interests status of the certificate rights and interests is locked.

7. The resource processing method according to claim 5, wherein the conditions for the effectiveness of the rights and interests include: The purchase time of the purchased resources meets the validity period of the rights and interests; The unlocked voucher rights are used to pay for the user's payment order.

8. The resource processing method according to claim 5, further comprising: If it is detected that the purchased resource is sold before the expiration of the validity period of the rights and interests, the association between the voucher rights and interests and the purchased resource is released, and the voucher rights and interests are cancelled.

9. The resource processing method according to claim 1, wherein the verification and detection of the target voucher based on the resource data of the purchased resource comprises: Detecting whether the resource identifier included in the resource data is in the available resource list of the voucher template record; If so, check whether the resource amount contained in the resource data is greater than or equal to the access resource amount recorded in the voucher template. If so, determine that the test is passed.

10. The resource processing method according to claim 1, before the step of determining a target credential matching the purchased resource of the user according to the access channel through which the user accesses the resource is performed, further comprising: In response to an access request from the user to access a resource, verify the issuance of a credential to the user, and determine a credential processing status according to the verification result; If the credential processing state is the issuing state, configuring the credential on the access page corresponding to the access request; the target credential is obtained after the credential identifier is triggered; If the voucher processing status is a cancellation status, a voucher cancellation interface of the target voucher is configured on the access page corresponding to the access request.

11. The resource processing method according to claim 1, further comprising: Matching the user category of the user with each voucher template type to obtain a matching voucher template type; Calculate the recommendation index of each voucher template under the matching voucher template type for the user, select a voucher template according to the recommendation index, and recommend a voucher corresponding to the selected voucher template to the user; If a receipt instruction from the user for the voucher is detected, the voucher is issued to the user.

12. The resource processing method according to claim 1, further comprising: Matching the user category of the user with each credential template to obtain a matching credential template; Template parameters of a matching voucher template are determined based on the user data, and a voucher corresponding to the voucher template is recommended to the user based on the template parameters, so as to issue the voucher to the user after a collection instruction is detected.

13. A resource processing device, comprising: A credential matching module is configured to determine a target credential that matches a purchased resource of the user according to an access channel through which the user accesses the resource; a write-off detection module, configured to perform a write-off detection on the target voucher based on the resource data of the purchased resource; A parameter determination module is configured to cancel the target voucher if the detection is passed, and determine the equity parameter of the voucher equity according to the resource data and the voucher template of the target voucher; The rights processing module is configured to issue and lock the voucher rights to the user according to the rights parameters, and associate the voucher rights with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

14. A resource processing device, comprising: processor; and a memory configured to store computer executable instructions that, when executed, cause the processor to: Determining, based on the access channel through which the user accesses the resource, a target credential that matches the purchased resource of the user; Performing verification and detection on the target voucher based on the resource data of the purchased resource; If the detection is passed, the target voucher is cancelled, and the rights and interests parameters of the voucher rights and interests are determined according to the resource data and the voucher template of the target voucher; The voucher rights are issued and locked to the user according to the rights parameters, and the voucher rights are associated with the purchased resources; the voucher rights are unlocked after the resource indicators of the purchased resources meet the rights effectiveness conditions.

15. A computer-readable storage medium for storing computer-executable instructions, wherein the computer-executable instructions implement the steps of the method of claim 1 when executed.

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