Resource management method and device, electronic equipment and storage medium

Abstract

The invention relates to a resource management method and device, electronic equipment and a storage medium. The method comprises the following steps: receiving a resource transfer confirmation request sent by a first target transfer channel party; determining a target joint resource transfer card of the target account based on the first target certificate and first preset mapping information; obtaining transfer card information corresponding to the target joint resource transfer card and resource limit change information corresponding to the target joint resource transfer card, wherein the transfer card information comprises resource limit limitation information and the number of residual resources; and determining a resource transfer confirmation result corresponding to the resource transfer confirmation request on the basis of the to-be-transferred resource quantity, the resource limit limitation information, the residual resource quantity and the resource limit change information, and sending the resource transfer confirmation result to a first target transfer channel party, and the first target transfer channel side executes a resource transfer operation corresponding to the resource transfer confirmation result. According to the embodiment of the invention, the efficiency and convenience of enterprise resource management can be improved.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technology, and in particular to a resource management method, device, electronic device and storage medium. Background Art

[0002] In today's digital business environment, corporate payments are essential to the daily operations of enterprises. Existing corporate payment platforms on the market have certain limitations in terms of functions and acceptance scenarios. Most platforms only provide a single or limited resource transfer method or resource transfer scenario, such as only supporting corporate code payment or virtual credit card payment. Or they only focus on specific scenarios such as travel payment.

[0003] However, in the actual operation process of enterprises, the business scenarios are complex and diverse, for example, involving various resource transfer needs such as overseas procurement, domestic online and offline consumption, and daily employee reimbursement. In order to meet the usage requirements of these different scenarios, enterprises often have to use multiple payment platforms to manage employees' resource transfer quotas on different platforms to ensure that employees' resource transfers in various scenarios comply with corporate regulations, which increases the complexity and workload of management. At the same time, enterprises also need to pre-charge resources on multiple platforms to ensure the smooth progress of resource transfer. The decentralized management of resources is not only easy to cause cumbersome resource management, but also may lead to low resource transfer processing efficiency due to differences in resource management rules of each platform, resulting in low efficiency of enterprise resource transfer management, increased management costs, and poor convenience of resource transfer. Summary of the invention

[0004] The present disclosure provides a resource management method, device, electronic device and storage medium to at least solve the problems of low resource transfer management efficiency, increased management cost and poor resource transfer convenience in the related art.

[0005] According to a first aspect of an embodiment of the present disclosure, there is provided a resource management method, including:

[0006] receiving a resource transfer confirmation request sent by a first target transfer channel party, wherein the resource transfer confirmation request is triggered by a resource transfer request triggered by a first target credential during a process of acquiring a target object by a target account in a target resource transfer scenario, wherein the resource transfer confirmation request carries the first target credential and the amount of resources to be transferred corresponding to the target object, and the target resource transfer scenario is any one of a plurality of preset resource transfer scenarios;

[0007] Determining a target joint resource transfer card for the target account based on the first target credential and first preset mapping information, wherein the first preset mapping information is used to characterize a first correspondence between a preset joint resource transfer card corresponding to each of a plurality of preset accounts and a preset credential corresponding to each of the plurality of preset accounts in each preset resource transfer scenario;

[0008] Acquire transfer card information corresponding to the target joint resource transfer card and resource quota change information corresponding to the target joint resource transfer card, wherein the transfer card information includes resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account;

[0009] Based on the amount of resources to be transferred, the resource quota limit information, the remaining resource quantity and the resource quota change information, determine the resource transfer confirmation result corresponding to the resource transfer confirmation request, and send the resource transfer confirmation result to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

[0010] According to a second aspect of an embodiment of the present disclosure, there is provided a resource management device, including:

[0011] a resource transfer confirmation request receiving module, configured to receive a resource transfer confirmation request sent by a first target transfer channel party, wherein the resource transfer confirmation request is triggered by a resource transfer request triggered by a first target credential during a process of acquiring a target object by a target account under a target resource transfer scenario, wherein the resource transfer confirmation request carries the first target credential and the amount of resources to be transferred corresponding to the target object, and the target resource transfer scenario is any one of a plurality of preset resource transfer scenarios;

[0012] a target joint resource transfer card determination module, configured to determine a target joint resource transfer card of the target account based on the first target credential and first preset mapping information, wherein the first preset mapping information is used to characterize a first correspondence between a preset joint resource transfer card corresponding to each of a plurality of preset accounts and a preset credential corresponding to each of the plurality of preset accounts in each preset resource transfer scenario;

[0013] A resource information acquisition module, used to acquire transfer card information corresponding to the target joint resource transfer card and resource quota change information corresponding to the target joint resource transfer card, wherein the transfer card information includes resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account;

[0014] A resource transfer confirmation result determination module is used to determine the resource transfer confirmation result corresponding to the resource transfer confirmation request based on the amount of resources to be transferred, the resource quota limit information, the remaining resource quantity and the resource quota change information, and send the resource transfer confirmation result to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

[0015] According to a third aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is used to execute the instructions to implement a method as described in any one of the above-mentioned first aspects.

[0016] According to a fourth aspect of an embodiment of the present disclosure, a computer-readable storage medium is provided. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute any method described in the first aspect of the embodiment of the present disclosure.

[0017] According to a fifth aspect of an embodiment of the present disclosure, there is provided a computer program product comprising instructions, which, when executed on a computer, enables the computer to execute any one of the methods described in the first aspect of the embodiment of the present disclosure.

[0018] The technical solution provided by the embodiments of the present disclosure brings at least the following beneficial effects:

[0019] By receiving the resource transfer confirmation request sent by the first target transfer channel party, and according to the first target credential and the first preset mapping information carried in the request, the target joint resource transfer card of the target account can be accurately determined, ensuring that in a complex multi-account, multi-scenario and multi-credential environment, the target joint resource transfer card corresponding to the target account can be quickly located, and the refinement of resource management is realized. Among them, the first preset mapping information represents the first corresponding relationship between the preset joint resource transfer cards corresponding to each of the multiple preset accounts and the preset credentials corresponding to each of the multiple preset accounts in each preset resource transfer scenario, that is, the target joint resource transfer card corresponding to the target account integrates multiple preset credentials corresponding to multiple preset resource transfer scenarios, so that the enterprise can perform resource management based on a unified preset joint resource transfer card without tedious operations between multiple platforms, reducing the resource management costs and risks caused by the dispersion of resources on multiple platforms. After determining the target joint resource transfer card, the corresponding transfer card information and resource quota change information are obtained, wherein the transfer card information includes resource quota limit information and the number of remaining resources, and then combined with the amount of resources to be transferred in the resource transfer confirmation request, the resource transfer confirmation result is determined, which improves the accuracy and efficiency of resource transfer decisions. Through a unified resource transfer confirmation process and strict control of resource quotas, enterprises can promptly detect and handle abnormal resource transfer requests, thereby improving resource security.

[0020] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] The drawings herein are incorporated into and constitute a part of the specification, illustrate embodiments consistent with the present disclosure, and together with the description are used to explain the principles of the present disclosure, and do not constitute improper limitations on the present disclosure.

[0022] Figure 1 is a flowchart of a resource management method according to an exemplary embodiment;

[0023] Figure 2 is a flowchart of another resource management method according to an exemplary embodiment;

[0024] Figure 3 is a schematic diagram of a process of generating first preset mapping information according to an exemplary embodiment;

[0025] Figure 4 is a schematic diagram of a process of generating second preset mapping information according to an exemplary embodiment;

[0026] Figure 5 It is a schematic diagram of a process of generating transfer card information and resource quota change information according to an exemplary embodiment;

[0027] Figure 6 is a schematic diagram of a process of changing target resource information according to an exemplary embodiment;

[0028] Figure 7 is a block diagram of a resource management device according to an exemplary embodiment;

[0029] Figure 8 It is a block diagram of an electronic device for resource management according to an exemplary embodiment. DETAILED DESCRIPTION

[0030] In order to enable ordinary persons in the art to better understand the technical solutions of the present disclosure, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings.

[0031] It should be noted that the terms "first", "second", etc. in the specification and claims of the present disclosure and the above-mentioned drawings are used to distinguish similar different contents, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present disclosure described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present disclosure. Instead, they are merely examples of devices and methods consistent with some aspects of the present disclosure as detailed in the attached claims.

[0032] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this disclosure are all information and data authorized by the user or fully authorized by all parties.

[0033] Figure 1 is a flowchart of a resource management method according to an exemplary embodiment. Figure 1 As shown, the resource management method is used in electronic devices such as servers, and includes the following steps:

[0034] In step S101, a resource transfer confirmation request sent by a first target transfer channel party is received.

[0035] In a specific embodiment, the first target transfer channel party is an intermediary agency or service provider used to process and complete resource transfer during the resource transfer process. The resource transfer confirmation request is triggered by a resource transfer request triggered by the first target credential in the process of the target account acquiring the target object in the target resource transfer scenario. The first target credential is the basis for the target account to perform resource transfer processing in the target resource transfer scenario. The resource transfer confirmation request carries the first target credential and the amount of resources to be transferred corresponding to the target object, and the target resource transfer scenario is any one of a plurality of preset resource transfer scenarios. The amount of resources to be transferred is the amount of virtual resources that the target account needs to transfer in order to acquire the target object. Exemplarily, the amount of resources to be transferred can be the price of the commodity.

[0036] Exemplarily, the resource transfer confirmation request may be a payment confirmation request, the target account may be an account of an enterprise employee, and the target object may be a physical commodity or a virtual commodity. The multiple preset resource transfer scenarios may include at least two preset resource transfer scenarios among the cross-border virtual card payment scenario, the enterprise code payment scenario, and the token payment scenario (marked payment scenario). Among them, the cross-border virtual card payment supports the scenario of enterprise employees' consumption abroad, the enterprise code payment supports the scenario of enterprise employees' offline consumption in China, and the token payment supports the scenario of enterprise employees' online consumption in China.

[0037] Taking the target resource transfer scenario as a cross-border virtual card payment scenario as an example, the first target transfer channel party may be an overseas credit card organization. The first target credential is the basis for the target account to perform resource transfer processing in the cross-border virtual card payment scenario. Exemplarily, the first target credential may be the card number, the first security code and the first validity period of an overseas virtual credit card.

[0038] Taking the target resource transfer scenario as the enterprise code payment scenario as an example, the first target transfer channel party may be a domestic credit card organization. The first target credential is the basis for the target account to perform resource transfer processing in the enterprise code payment scenario. Exemplarily, the first target credential may be the first card number of the first domestic virtual credit card.

[0039] Taking the target resource transfer scenario as a Token payment scenario as an example, the first target transfer channel party can be a domestic credit card organization. The first target credential is the basis for the target account to perform resource transfer processing in the Token payment scenario. Exemplarily, the first target credential can be the second card number, second security code and second validity period of the second domestic virtual credit card.

[0040] In actual applications, the first target transfer channel party corresponding to different target resource transfer scenarios will send resource transfer confirmation requests to the server through different preset request addresses. For example, the first target transfer channel party corresponding to cross-border virtual card payment can send resource transfer confirmation requests to the server through the preset overseas request address. The first target transfer channel party corresponding to enterprise code payment can send resource transfer confirmation requests to the server through the first preset domestic request address. The first target transfer channel party corresponding to token payment can send resource transfer confirmation requests to the server through the second preset domestic request address.

[0041] In a specific embodiment, Figure 2 As shown, the above method also includes:

[0042] In step 201, a credential application request corresponding to a target account is sent to a first target transfer channel party, so that the first target transfer channel party performs credential application verification processing on the target account, and determines a first target credential of the target account based on the verification result of the credential application verification processing.

[0043] In a specific embodiment, the first target credential is used to complete the resource transfer.

[0044] In a specific embodiment, the credential application request may carry the target account information and the validity period of the target joint resource transfer card, etc. The account information is information used to identify the target account. The verification result may be a verification success or a verification failure.

[0045] In actual applications, different target resource transfer scenarios correspond to different credential application verification processes.

[0046] Take the target resource transfer scenario as a cross-border virtual card payment scenario, the first target transfer channel party is an overseas credit card organization, and the first target credential is the card number, first security code and first validity period of the overseas virtual credit card as an example. The credential application verification process can be to verify whether the number of first target credentials handled by the enterprise has reached a preset threshold. If the number of first target credentials handled does not reach the preset threshold, the verification is successful, and the card number, first security code and first validity period of the overseas virtual credit card of the target account are determined and sent to the server.

[0047] Take the target resource transfer scenario as the enterprise code payment scenario, the first target transfer channel party as the domestic credit card organization, and the first target credential as the first card number of the first domestic virtual credit card as an example. The credential application verification process can be to verify whether the account information of the target account is legal. If the account information is legal, the first card number of the first domestic virtual credit card of the target account is determined and sent to the server.

[0048] Take the target resource transfer scenario as a Token payment scenario, the first target transfer channel party is a domestic credit card organization, and the first target credential is the second card number, second security code, and second validity period of the second domestic virtual credit card as an example. The credential application verification process can be to verify whether the account information of the target account is legal. If the account information is legal, the second card number, second security code, and second validity period of the second domestic virtual credit card of the target account are determined and sent to the server.

[0049] In step 203, the first target credential sent by the first target transfer channel is received, and a second association relationship is established between the first target credential and the target account, so that the target account can determine the first target credential based on the second association relationship to perform resource processing when acquiring the target object in the target resource transfer scenario.

[0050] In a specific embodiment, the establishing of the second association relationship between the first target credential and the target account may include: binding the first target credential and the target account.

[0051] Take the target resource transfer scenario as a cross-border virtual card payment scenario, the first target transfer channel party is an overseas credit card organization, and the first target credential is the card number, first security code and first validity period of an overseas virtual credit card as an example. The above-mentioned establishment of a second association relationship between the first target credential and the target account, so that the target account determines the first target credential based on the second association relationship in the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing, may include: binding the card number of the overseas virtual credit card and the target account, so that the target account can use the card number, first security code and first validity period of the overseas virtual credit card on the first resource transfer platform based on the binding relationship to perform a card binding operation for resource processing. Specifically, the first resource transfer platform is a platform that supports resource transfer. Exemplarily, the first resource transfer platform can be a wallet application platform and an overseas shopping website.

[0052] Take the target resource transfer scenario as an enterprise code payment scenario, the first target transfer channel party is a domestic credit card organization, and the first target credential is the first card number of the first domestic virtual credit card as an example. The above-mentioned establishment of a second association relationship between the first target credential and the target account, so that the target account determines the first target credential based on the second association relationship in the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing, may include: binding the first card number of the first domestic virtual credit card and the target account, so that the target account can scan the provider's resource collection code based on the first card number of the first domestic virtual credit card when transferring resources offline in the country based on the binding relationship, so as to perform resource processing. The provider's resource collection code is used by the provider to collect virtual resources. For example, the provider's resource collection code can be the merchant's payment QR code. The above-mentioned establishment of a second association relationship between the first target credential and the target account, so that the target account can determine the first target credential based on the second association relationship in the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing, can also include: in the case of receiving a click instruction sent by the preset configuration terminal, through the preset application interface provided by the domestic credit card organization, based on the first card number of the first domestic virtual credit card, sending a resource transfer code application request to the domestic credit card organization, so that the domestic credit card organization performs a resource transfer code generation operation corresponding to the resource transfer code application request, to generate and send a resource transfer code to the server; receiving the resource transfer code sent by the first target transfer channel party, and binding the resource transfer code to the target account, so that the target account can display the resource transfer code to the provider, so that the provider performs a scanning operation on the resource transfer code to complete the resource transfer. Specifically, the click instruction can be triggered by the target account clicking the resource transfer code button on the resource transfer page. The resource transfer code is used by the target account to transfer virtual resources. Exemplarily, the resource transfer code can be a payment QR code.

[0053] Take the target resource transfer scenario as a Token payment scenario, the first target transfer channel party is a domestic credit card organization, and the first target credential is the second card number, second security code and second validity period of the second domestic virtual credit card as an example. The above-mentioned establishment of a second association relationship between the first target credential and the target account, so that the target account determines the first target credential based on the second association relationship in the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing, may include: binding the second card number of the second domestic virtual credit card to the target account, so that the target account can use the second card number, second security code and second validity period of the second domestic virtual credit card on the second resource transfer platform based on the binding relationship to perform a card binding operation for resource processing. Specifically, the second resource transfer platform is a platform that supports resource transfer bound by domestic credit card organizations. Exemplarily, the second resource transfer platform can be a mobile payment application that supports card binding by domestic credit card organizations.

[0054] In the above embodiment, after sending a credential application request to the first target transfer channel party, the first target transfer channel party will perform credential application verification on the target account to ensure that only qualified target accounts can obtain valid first target credentials, thereby preventing potential fraud or resource risks and ensuring the security of resource transfer. The enterprise only needs to trigger the credential application request, and the subsequent verification and credential determination process is automatically completed by the system and the first target transfer channel party. The enterprise does not need to have an in-depth understanding of the complex verification rules and credential generation process, which reduces the difficulty and complexity of the enterprise's operation. The second association relationship between the first target credential and the target account is established to achieve centralized credential management. The enterprise can view and manage the credential association status of all target accounts in the database, which is convenient for monitoring and auditing.

[0055] In step S103, a target joint resource transfer card of the target account is determined based on the first target credential and the first preset mapping information.

[0056] In a specific embodiment, the first preset mapping information is used to characterize the first correspondence between the preset joint resource transfer cards corresponding to each of the multiple preset accounts and the preset credentials corresponding to each of the multiple preset accounts in each preset resource transfer scenario. The multiple preset accounts include the target account. The preset joint resource transfer card corresponding to any preset account can be a tool for the preset account to perform resource transfer processing in multiple preset resource transfer scenarios. The preset credential of any preset account in any preset resource transfer scenario is the basis for the preset account to perform resource transfer processing in the preset resource transfer scenario.

[0057] Taking the first preset resource transfer scenario as a cross-border virtual card payment scenario, the first preset credential is the card number, the first security code and the first validity period of the overseas virtual credit card; the second preset resource transfer scenario is the enterprise code payment scenario, the second preset credential is the first card number of the first domestic virtual credit card; the third preset resource transfer scenario is the Token payment scenario, and the third preset credential is the second card number, the second security code and the second validity period of the second domestic virtual credit card as examples, accordingly, the first preset mapping relationship can represent the first correspondence between the target joint resource transfer card and the card number, the first security code and the first validity period of the overseas virtual credit card, the first correspondence between the target joint resource transfer card and the first card number of the first domestic virtual credit card, and the first correspondence between the target joint resource transfer card and the second card number, the second security code and the second validity period of the second domestic virtual credit card.

[0058] In a specific embodiment, Figure 3 As shown, the first preset mapping information is obtained in the following manner:

[0059] In step S301, after receiving the second target credential sent by the second target transfer channel party, a target joint resource transfer card is generated.

[0060] In a specific embodiment, the second target credential is the first preset credential that establishes a first association relationship with the target account among the multiple preset credentials corresponding to the multiple preset transfer channel parties. The multiple preset transfer channel parties include the first target transfer channel party and the second target transfer channel party. The multiple preset credentials include the first target credential and the second target credential.

[0061] In a specific embodiment, the above-mentioned second target transfer channel party is any preset transfer channel party among multiple preset transfer channel parties corresponding to multiple preset resource transfer scenarios. The second target transfer channel party can be the first target transfer channel party, or can be any preset transfer channel party among the multiple preset transfer channel parties except the first target transfer channel party.

[0062] In step S303, first preset mapping information is generated based on the target joint resource transfer card and the second target credential.

[0063] In a specific embodiment, the generation of the first preset mapping information based on the target joint resource transfer card and the second target credential may include: establishing a first mapping relationship between the target joint resource transfer card and the first target credential, and adding the first mapping relationship to the first preset mapping information.

[0064] In the above embodiment, a universal target joint resource transfer card is generated after receiving the second target credential sent by the second target transfer channel party, wherein the second target credential is the first preset credential among the multiple preset credential corresponding to the multiple preset transfer channel parties that establishes a first association relationship with the target account. The target joint resource transfer card shields the characteristics of different preset credentials corresponding to different preset transfer channel parties, and provides a unified management interface for the enterprise. The first preset mapping information is generated based on the target joint resource transfer card and the first target credential, and a clear corresponding relationship is established, so that in the subsequent resource transfer process, the corresponding target joint resource transfer card can be quickly and accurately found according to the second target credential, and relevant key data such as resource quota limit information and remaining resource quantity can be obtained, so as to make resource transfer decisions efficiently.

[0065] In a specific embodiment, the above method further includes:

[0066] After receiving the third target credential sent by the third target transfer channel party, the first preset mapping information is updated.

[0067] In a specific embodiment, the third target transfer channel party is any preset transfer channel party among the multiple preset transfer channel parties except the second target transfer channel party.

[0068] In a specific embodiment, after receiving the third target credential sent by the third target transfer channel party, updating the first preset mapping information may include: receiving the third target credential sent by the third target transfer channel party, establishing a second mapping relationship between the target joint resource transfer card and the third target credential, and adding the second mapping relationship to the first preset mapping information.

[0069] In the above embodiment, when the first preset mapping information is updated after receiving new target credentials from different channels, the target joint resource transfer card can flexibly associate these different credentials, so that the target joint resource transfer card can dynamically adapt to this complex multi-channel and multi-credential environment, ensuring that the enterprise can effectively manage resource transfer in different preset resource transfer scenarios, thereby improving the flexibility and adaptability of resource management to diversified business needs.

[0070] In a specific embodiment, the resource transfer confirmation request also carries a provider identifier of the provider corresponding to the target object. The provider identifier is used to uniquely identify the provider. Exemplarily, the provider corresponding to the target object may be the merchant to which the product belongs.

[0071] Taking the target resource transfer scenario as cross-border virtual card payment as an example, the provider identification can be the provider's category code. Taking the target resource transfer scenario as enterprise code payment and token payment as an example, the provider identification can include the provider ID (Identity document) and the provider category code. Among them, the provider ID is used to uniquely identify the provider. The provider category code is a code that identifies the provider's main business scope and industry affiliation.

[0072] In a specific embodiment, after determining the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information, the method further includes:

[0073] Based on the target joint resource transfer card and the second preset mapping information, target configuration information is determined.

[0074] In a specific embodiment, the target configuration information includes preset provider restriction information.

[0075] In a specific embodiment, the preset provider restriction information is used to restrict the provider corresponding to the target object to which the resource is transferred.

[0076] Taking the target resource transfer scenario as a cross-border virtual card payment scenario as an example, the preset provider restriction information can be a provider category code restriction whitelist. Taking the target resource transfer scenario as an enterprise code payment scenario and a token payment scenario as an example, the preset provider restriction information can include a provider category code restriction whitelist and a provider ID whitelist. Specifically, the category code restriction whitelist is a list of category codes corresponding to all providers to which the target account can transfer resources, and the provider ID whitelist is a list of IDs corresponding to all providers to which the target account can transfer resources.

[0077] In a specific embodiment, the second preset mapping information is used to represent the second correspondence between the preset joint resource transfer cards corresponding to the plurality of preset accounts and the plurality of preset configuration information, wherein the plurality of preset configuration information includes the target configuration information.

[0078] In a specific embodiment, after determining the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information, the method further includes: freezing the resource quota corresponding to the amount of resources to be transferred in the target joint resource transfer card corresponding to the target account.

[0079] In a specific embodiment, Figure 4 As shown, the second preset mapping information is obtained in the following manner:

[0080] In step S401, target configuration information sent by a preset configuration terminal is received.

[0081] In a specific embodiment, the target configuration information may be configuration information for the use specification of the target joint resource transfer card. Specifically, the target configuration information is obtained by filling in the relevant configuration information on any preset template and clicking the confirmation button. Exemplarily, the preset template may include basic information, usage rule information, preset provider restriction information, and limit rules. Specifically, the basic information may include information such as template type, card name, and template status. The usage rule information may include information such as target resource transfer scenario, acceptance scope, funding mode, and funding account. Among them, the acceptance scope may be overseas consumption or domestic consumption, and the funding mode may be pre-charged. The preset provider restriction information includes a category code restriction whitelist and a provider ID whitelist. The limit rules may include the initial card issuance limit and resource limit information. Among them, the initial card issuance limit is used to indicate the number of resources on the target joint resource transfer card after pre-charge, and the resource limit information may include a single limit, a single day limit, and a single month limit.

[0082] In step S403, second preset mapping information is generated based on the target configuration information and the target joint resource transfer card.

[0083] In the above embodiment, by establishing the second preset mapping information of the target configuration information and the target joint resource transfer card, it is possible to quickly locate the target configuration information through the target joint resource transfer card and the second preset mapping information during the subsequent resource transfer process, and obtain the preset provider restriction information in the target configuration information, thereby verifying the provider identification representation to ensure that the resource transfer complies with the rules, thereby improving the reliability of the resource transfer.

[0084] In step S105, the transfer card information corresponding to the target joint resource transfer card and the resource quota change information corresponding to the target joint resource transfer card are obtained.

[0085] In a specific embodiment, Figure 5 As shown, the above transfer card information and resource quota change information are obtained in the following manner:

[0086] In step 501, target configuration information is determined based on the target joint resource transfer card and the second preset mapping information.

[0087] In a specific embodiment, the target configuration information includes preset resource restriction information. The preset resource restriction information is used to limit the amount of resources to be transferred of the target object for resource transfer. Specifically, the preset resource restriction information may include at least one of the following limit information: the initial limit for card issuance, the single transaction limit, the single day limit, and the single month limit.

[0088] In step 503, transfer card information and resource quota change information are generated based on preset resource restriction information.

[0089] In a specific embodiment, the transfer card information includes resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account. The resource quota limit information may include at least one of a single quota, a daily quota and a monthly quota. The remaining resource quantity may be the number of remaining resources of the target joint resource transfer card after the historical resource transfer of the target account. The remaining resource quantity is obtained by subtracting the historical resource transfer information from the initial quota of the card. The historical resource transfer information is the number of resources that the target account has completed resource transfer using the first target voucher.

[0090] The transfer card information also includes information such as the target resource transfer scenario, the account identifier of the target account, the transfer card number of the target joint resource transfer card, the status of the target joint resource transfer card, the target credential, the template identifier of the target template, and the expiration time of the target joint resource transfer card. Specifically, the transfer card number of the target joint resource transfer card is used to uniquely identify the target joint resource transfer card. The status of the target joint resource transfer card can be any of the normal state, frozen state, cancelled state, and expired state. The expiration time is used to indicate the effective end time of the target joint resource transfer card. Accordingly, if the current time has exceeded the expiration time, the status of the target joint resource transfer card is automatically updated to the expired state.

[0091] Exemplarily, the above-mentioned transfer card information can be an information table, which records information such as resource quota limit information, remaining resource quantity, target resource transfer scenario, account identification of the target account, transfer card number of the target joint resource transfer card, status of the target joint resource transfer card, target certificate, template identification of the target template and expiration time of the target joint resource transfer card.

[0092] In a specific embodiment, the above-mentioned resource quota change information may include the target account's daily remaining quota and monthly remaining quota after the target account has undergone the daily historical resource transfer and the monthly historical resource transfer. The resource quota change information is obtained based on the daily quota, the monthly quota, the target account's daily historical resource transfer information, and the monthly historical resource transfer information. Specifically, the daily remaining quota is obtained by subtracting the daily historical resource transfer information from the daily quota, and the monthly historical resource transfer is obtained by subtracting the monthly historical resource transfer information from the monthly quota. The daily historical resource transfer information is the number of resources that the target account has completed resource transfer using the first target voucher on the current day. The monthly historical resource transfer information is the number of resources that the target account has completed resource transfer using the first target voucher in the current month.

[0093] For example, the daily limit is 500 yuan, the monthly limit is 10,000 yuan, and the target account has a historical payment record of 200 yuan on the same day, that is, the historical resource transfer information on the day is 200 yuan, and has a historical payment record of 4,000 yuan in the month, that is, the historical resource transfer information for the month is 4,000 yuan. The resource quota change information includes the remaining quota for the day of 300 yuan and the remaining quota information for the month of 6,000 yuan.

[0094] In the above embodiment, the target configuration information is determined by the target joint resource transfer card and the second preset mapping information, and the transfer card information and resource quota change information are generated based on the preset resource restriction information in the target configuration information, which provides the enterprise with a basis for verification during the resource transfer process. In addition, the enterprise can timely understand the resource status of each target account based on the transfer card information and resource quota change information, and conduct internal audits and compliance checks. Clear resource transfer records can facilitate tracing and verifying the legality and rationality of each resource transfer.

[0095] In step S107, based on the amount of resources to be transferred, resource quota limit information, the number of remaining resources and resource quota change information, the resource transfer confirmation result corresponding to the resource transfer confirmation request is determined, and the resource transfer confirmation result is sent to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

[0096] In a specific embodiment, the resource transfer confirmation result corresponding to the resource transfer confirmation request is determined based on the amount of resources to be transferred, the resource quota limit information, the remaining resource quantity and the resource quota change information, including:

[0097] Based on the preset provider restriction information, verify the provider identifier to obtain a first verification result;

[0098] Based on the resource quota limit information, the remaining resource quantity and the resource quota change information, verify the amount of resources to be transferred to obtain a second verification result;

[0099] Based on the first verification result and the second verification result, a resource transfer confirmation result is determined.

[0100] In a specific embodiment, the resource transfer confirmation result may be payment confirmation or transaction interception.

[0101] Taking the target resource transfer scenario as a cross-border virtual card payment scenario, and the preset provider restriction information as the provider's category code restriction whitelist as an example, the above verification of the provider identifier based on the preset provider restriction information obtains a first verification result; based on the resource quota restriction information, the remaining resource quantity and the resource quota change information, the resource quantity to be transferred is verified to obtain a second verification result; based on the first verification result and the second verification result, determining the resource transfer confirmation result may include: based on the provider's category code restriction whitelist, verifying whether the provider's category code is in the category code restriction whitelist to obtain the first verification result. If the first verification result fails, the resource transfer confirmation result is determined to be an intercepted transaction. If the first verification result passes, then based on the single limit, the daily limit, the monthly limit, the remaining daily limit and the remaining monthly limit, verify whether the resource quantity to be transferred meets the limit, and based on the remaining resource quantity, verify whether the resource quantity to be transferred is less than or equal to the remaining resource quantity to obtain the second verification result. If the second verification result passes, the resource transfer confirmation result is determined to be a confirmed payment; if the second verification result fails, the resource transfer confirmation result is determined to be an intercepted transaction.

[0102] For example, the target resource transfer scenario is a cross-border virtual card payment scenario, and the preset provider restriction information is the provider's category code restriction whitelist. The single transaction limit is 600 yuan, the daily limit is 1,000 yuan, the monthly limit is 20,000 yuan, the remaining amount on the day is 500 yuan, the remaining amount on the month is 15,000 yuan, the remaining resource quantity is 30,000 yuan, and the amount of resources to be transferred is 300 yuan. The category code restriction whitelist includes the first preset category code, the second preset category code, the third preset category code, and the fourth preset category code, and the provider's category code is the second preset category code. The above-mentioned verification of the provider identifier is based on the preset provider restriction information to obtain a first verification result; based on the resource quota restriction information, the remaining resource quantity and the resource quota change information, the verification of the amount of resources to be transferred is obtained to obtain a second verification result; based on the first verification result and the second verification result, determining the resource transfer confirmation result may include: verifying whether the second preset category code is in the category code restriction whitelist (the category code restriction whitelist includes the first preset category code, the second preset category code, the third preset category code and the fourth preset category code). If the verification passes, then verifying whether the amount of resources to be transferred of 300 yuan complies with the single transaction limit of 600, the single day limit of 1,000 yuan, the single month limit of 20,000 yuan, the daily remaining quota of 500 yuan, the monthly remaining quota of 15,000 yuan and the remaining resource quantity of 30,000 yuan. If the verification passes, the resource transfer confirmation result is determined to be confirmed payment.

[0103] Taking the target resource transfer scenario as the enterprise code payment scenario and the token payment scenario, and the preset provider restriction information as the provider's category code restriction whitelist and provider ID whitelist as an example, the above-mentioned verification of the provider identification based on the preset provider restriction information obtains the first verification result; based on the resource quota restriction information, the remaining resource quantity and the resource quota change information, the amount of resources to be transferred is verified to obtain the second verification result; based on the first verification result and the second verification result, determining the resource transfer confirmation result may include: based on the provider's category code restriction whitelist and the provider ID whitelist, verifying whether the provider's category code is in the category code restriction whitelist and verifying whether the provider ID is in the provider ID whitelist to obtain the first verification result. If the first verification result fails, the resource transfer confirmation result is determined to be an intercepted transaction. If the first verification result passes, then based on the single limit, the daily limit, the monthly limit, the remaining quota of the day and the remaining quota of the month, verify whether the amount of resources to be transferred meets the quota limit, and based on the remaining resource quantity, verify whether the amount of resources to be transferred is less than or equal to the remaining resource quantity to obtain the second verification result. If the second verification result passes, the resource transfer confirmation result is determined to be a confirmed payment; if the second verification result fails, the resource transfer confirmation result is determined to be an intercepted transaction.

[0104] In the above embodiment, the provider identifier of the provider corresponding to the target object carried in the resource transfer confirmation request is verified by determining the preset provider restriction information in the target configuration information based on the target joint resource transfer card and the second preset mapping information, thereby ensuring that the resource transfer complies with regulations.

[0105] In a specific embodiment, the above method further includes:

[0106] In response to the execution result of the resource transfer operation sent by the first target transfer channel party, the remaining resource quantity and resource quota change information are updated based on the amount of resources to be transferred.

[0107] In a specific embodiment, the above execution result may be payment success or payment failure.

[0108] For example, when the execution result is a successful payment, based on the amount of resources to be transferred of 300 yuan, the remaining resource quantity of 30,000 yuan, the remaining amount for the day of 500 yuan, and the remaining amount for the month of 15,000 yuan are updated to the remaining resource quantity of 29,700 yuan, the remaining amount for the day of 200 yuan, and the remaining amount for the month of 14,700 yuan respectively.

[0109] In the above embodiment, after the first target transfer channel completes the resource transfer operation, the remaining resource quantity and resource quota change information are immediately updated based on the amount of resources to be transferred, so as to reflect the latest resource status of the target account in real time.

[0110] In a specific embodiment, Figure 6 As shown, the above method also includes:

[0111] In step S601, a change instruction for target resource information in transfer card information is received.

[0112] In a specific embodiment, the target resource information is any preset resource information among the multiple preset resource information included in the transfer card information. Specifically, the multiple preset resource information includes resource quota limit information and the number of remaining resources. The multiple preset resource information also includes information such as the status of the target joint resource transfer card and the expiration time of the target joint resource transfer card.

[0113] Taking the target resource information as resource quota limit information as an example, the change instruction may be to adjust the resource quota limit information. For example, the change instruction may be to adjust the monthly limit of 20,000 yuan before the change to a monthly limit of 15,000 yuan.

[0114] Taking the target resource information as the remaining resource quantity as an example, the change instruction may be to adjust the remaining resource quantity. For example, the change instruction may be to adjust the remaining resource quantity of 30,000 yuan before the change to the remaining resource quantity of 20,000 yuan.

[0115] Taking the target resource information as the state of the target joint resource transfer card as an example, the change instruction may be to adjust the state of the target joint resource transfer card. Exemplarily, the change instruction may be to modify the "use state" before the change to "frozen state".

[0116] Taking the expiration time of the target joint resource transfer card as an example, the change instruction may be to modify the expiration time before the change, so as to advance or delay the expiration time.

[0117] In step S603, the target resource information is changed based on the change instruction.

[0118] In actual applications, if the change operation is to adjust the resource quota limit information, adjust the remaining resource quantity, and change the state of the target joint resource transfer card to any state except the cancellation state, it is only necessary to modify the target resource information corresponding to the target joint resource transfer card. If the change operation is to change the state of the target joint resource transfer card to the cancellation state, in addition to modifying the target resource information corresponding to the target joint resource transfer card, it is also necessary to modify the credential information corresponding to the first target credential through the preset modification interface provided by the first target transfer channel party, so that the first target transfer channel party performs a corresponding cancellation operation on the first target credential.

[0119] In the above embodiment, by receiving the change instruction for the target resource information in the transfer card information, the enterprise can directly manage the target joint resource transfer card at a unified level, shielding the different resource management characteristics of different preset transfer channel parties, so that the enterprise does not need to cooperate with the specific operation details of each preset transfer channel party. That is, no matter what kind of preset transfer channel party is at the bottom, the enterprise only needs to issue a change instruction in the unified system interface to adjust the resource quota limit information, which greatly simplifies the operation process of the change, reduces the enterprise management cost, and improves work efficiency.

[0120] Figure 7 is a block diagram of a resource management device according to an exemplary embodiment. Figure 7 , the device comprises:

[0121] The resource transfer confirmation request receiving module 710 is used to receive the resource transfer confirmation request sent by the first target transfer channel party;

[0122] A target joint resource transfer card determination module 720 is used to determine a target joint resource transfer card of a target account based on the first target credential and the first preset mapping information;

[0123] Resource information acquisition module 730, used to acquire transfer card information corresponding to the target joint resource transfer card and resource quota change information corresponding to the target joint resource transfer card;

[0124] The resource transfer confirmation result determination module 740 is used to determine the resource transfer confirmation result corresponding to the resource transfer confirmation request based on the amount of resources to be transferred, resource quota limit information, the number of remaining resources and resource quota change information, and send the resource transfer confirmation result to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

[0125] In an optional embodiment, the first preset mapping information is obtained by using the following modules:

[0126] A target joint resource transfer card generation module, configured to generate a target joint resource transfer card after receiving a second target credential sent by a second target transfer channel party;

[0127] The first preset mapping information generating module is used to generate the first preset mapping information based on the target joint resource transfer card and the second target credential.

[0128] In an optional embodiment, the above device further includes:

[0129] The first preset mapping information updating module is used to update the first preset mapping information after receiving the third target credential sent by the third target transfer channel party.

[0130] In an optional embodiment, after determining the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information, the apparatus further includes:

[0131] A target configuration information determination module, used to determine the target configuration information based on the target joint resource transfer card and the second preset mapping information;

[0132] The resource transfer confirmation result determination module 740 includes:

[0133] A first verification result determining unit, configured to verify the provider identifier based on preset provider restriction information to obtain a first verification result;

[0134] A second verification result determination unit, configured to verify the amount of resources to be transferred based on the resource quota restriction information, the amount of remaining resources, and the resource quota change information, and obtain a second verification result;

[0135] The resource transfer confirmation result determining unit is used to determine the resource transfer confirmation result based on the first verification result and the second verification result.

[0136] In an optional embodiment, the second preset mapping information is obtained by using the following modules:

[0137] A target configuration information receiving module, used to receive target configuration information sent by a preset configuration terminal;

[0138] The second preset mapping information generating module is used to generate the second preset mapping information based on the target configuration information and the target joint resource transfer card.

[0139] In an optional embodiment, the above device further includes:

[0140] A credential application request sending module is used to send a credential application request corresponding to a target account to a first target transfer channel party, so that the first target transfer channel party performs a credential application verification process on the target account, and determines a first target credential of the target account based on a verification result of the credential application verification process;

[0141] The second association relationship establishment module is used to receive the first target credential sent by the first target transfer channel party, and establish a second association relationship between the first target credential and the target account, so that the target account can determine the first target credential based on the second association relationship to perform resource processing when acquiring the target object in the target resource transfer scenario.

[0142] In an optional embodiment, the transfer card information and the resource quota change information are obtained by using the following modules:

[0143] A target configuration information determination module, used to determine the target configuration information based on the target joint resource transfer card and the second preset mapping information;

[0144] The resource information generation module is used to generate transfer card information and resource quota change information based on preset resource restriction information.

[0145] In an optional embodiment, the above device further includes:

[0146] A change instruction receiving module, used for receiving a change instruction for target resource information in the transfer card information;

[0147] The change processing module is used to perform change processing on the target resource information based on the change instruction.

[0148] In an optional embodiment, the above device further includes:

[0149] The resource information updating module is used to update the remaining resource quantity and resource quota change information based on the amount of resources to be transferred in response to the execution result of the resource transfer operation sent by the first target transfer channel party.

[0150] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0151] Figure 8 is a block diagram of an electronic device for resource management according to an exemplary embodiment. The electronic device may be a server, and its internal structure diagram may be as shown in FIG. Figure 8 As shown. The electronic device includes a processor, a memory, a network interface, a display screen and an input device connected via a system bus. Among them, the processor of the electronic device is used to provide computing and control capabilities. The memory of the electronic device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the electronic device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource management method is implemented. The display screen of the electronic device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the electronic device can be a touch layer covering the display screen, or a key, trackball or touchpad provided on the housing of the electronic device, or an external keyboard, touchpad or mouse, etc.

[0152] Those skilled in the art will understand that Figure 8The structure shown in the figure is merely a block diagram of a partial structure related to the scheme of the present disclosure, and does not constitute a limitation on the electronic device to which the scheme of the present disclosure is applied. The specific electronic device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0153] In an exemplary embodiment, an electronic device is further provided, comprising: a processor; and a memory for storing instructions executable by the processor; wherein the processor is used to execute the instructions to implement the resource management method in the embodiment of the present disclosure.

[0154] In an exemplary embodiment, a computer-readable storage medium is further provided. When instructions in the storage medium are executed by a processor of an electronic device, the electronic device is enabled to execute the resource management method in the embodiment of the present disclosure.

[0155] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0156] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims

1. A resource management method, characterized in that: include: receiving a resource transfer confirmation request sent by a first target transfer channel party, wherein the resource transfer confirmation request is triggered by a resource transfer request triggered by a first target credential during a process of acquiring a target object by a target account in a target resource transfer scenario, wherein the resource transfer confirmation request carries the first target credential and the amount of resources to be transferred corresponding to the target object, and the target resource transfer scenario is any one of a plurality of preset resource transfer scenarios; Determining a target joint resource transfer card for the target account based on the first target credential and first preset mapping information, wherein the first preset mapping information is used to characterize a first correspondence between a preset joint resource transfer card corresponding to each of a plurality of preset accounts and a preset credential corresponding to each of the plurality of preset accounts in each preset resource transfer scenario; Acquire transfer card information corresponding to the target joint resource transfer card and resource quota change information corresponding to the target joint resource transfer card, wherein the transfer card information includes resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account; Based on the amount of resources to be transferred, the resource quota limit information, the remaining resource quantity and the resource quota change information, determine the resource transfer confirmation result corresponding to the resource transfer confirmation request, and send the resource transfer confirmation result to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

2. The method according to claim 1, characterized in that: The first preset mapping information is obtained in the following manner: After receiving a second target credential sent by a second target transfer channel party, generating the target joint resource transfer card, wherein the second target credential is a first preset credential that establishes a first association relationship with the target account among a plurality of preset credentials corresponding to a plurality of preset transfer channel parties; The first preset mapping information is generated based on the target joint resource transfer card and the second target credential.

3. The method according to claim 2, characterized in that: The method further comprises: After receiving the third target credential sent by the third target transfer channel party, the first preset mapping information is updated, and the third target transfer channel party is any preset transfer channel party among the multiple preset transfer channel parties except the second target transfer channel party.

4. The method according to claim 1, characterized in that: The resource transfer confirmation request also carries a provider identifier of the provider corresponding to the target object. After determining the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information, the method further includes: Determine target configuration information based on the target joint resource transfer card and second preset mapping information, wherein the target configuration information includes preset provider restriction information, and the second preset mapping information is used to characterize a second correspondence between the preset joint resource transfer cards corresponding to each of the plurality of preset accounts and the plurality of preset configuration information; The determining, based on the amount of resources to be transferred, the resource quota limit information, the amount of remaining resources, and the resource quota change information, a resource transfer confirmation result corresponding to the resource transfer confirmation request includes: Based on the preset provider restriction information, verify the provider identifier to obtain a first verification result; Based on the resource quota limit information, the remaining resource quantity and the resource quota change information, verify the amount of resources to be transferred to obtain a second verification result; The resource transfer confirmation result is determined based on the first verification result and the second verification result.

5. The method according to claim 4, characterized in that: The second preset mapping information is obtained in the following manner: Receiving the target configuration information sent by a preset configuration terminal; The second preset mapping information is generated based on the target configuration information and the target joint resource transfer card.

6. The method according to claim 1, characterized in that: The method further comprises: Sending a credential application request corresponding to the target account to the first target transfer channel party, so that the first target transfer channel party performs credential application verification processing on the target account, and determines the first target credential of the target account based on the verification result of the credential application verification processing, wherein the first target credential is used to complete the resource transfer; Receive the first target credential sent by the first target transfer channel party, and establish a second association relationship between the first target credential and the target account, so that the target account can determine the first target credential based on the second association relationship during the process of acquiring the target object in the target resource transfer scenario to perform resource processing.

7. The method according to claim 1, characterized in that: The transfer card information and the resource quota change information are obtained in the following manner: Determine target configuration information based on the target joint resource transfer card and second preset mapping information, wherein the target configuration information includes preset resource restriction information, and the second preset mapping information is used to represent a second correspondence between the preset joint resource transfer cards corresponding to each of the plurality of preset accounts and the plurality of preset configuration information; Based on the preset resource restriction information, the transfer card information and the resource quota change information are generated.

8. The method according to any one of claims 1 to 7, characterized in that: The method further comprises: receiving a change instruction for target resource information in the transfer card information, wherein the target resource information is any preset resource information among a plurality of preset resource information included in the transfer card information, wherein the plurality of preset resource information includes the resource quota limit information and the remaining resource quantity; Based on the change instruction, the target resource information is changed.

9. The method according to any one of claims 1 to 7, characterized in that: The method further comprises: In response to the execution result of the resource transfer operation sent by the first target transfer channel party, the remaining resource quantity and the resource quota change information are updated based on the amount of resources to be transferred.

10. A resource management device, characterized in that: include: a resource transfer confirmation request receiving module, configured to receive a resource transfer confirmation request sent by a first target transfer channel party, wherein the resource transfer confirmation request is triggered by a resource transfer request triggered by a first target credential during a process of acquiring a target object by a target account under a target resource transfer scenario, wherein the resource transfer confirmation request carries the first target credential and the amount of resources to be transferred corresponding to the target object, and the target resource transfer scenario is any one of a plurality of preset resource transfer scenarios; a target joint resource transfer card determination module, configured to determine a target joint resource transfer card of the target account based on the first target credential and first preset mapping information, wherein the first preset mapping information is used to characterize a first correspondence between a preset joint resource transfer card corresponding to each of a plurality of preset accounts and a preset credential corresponding to each of the plurality of preset accounts in each preset resource transfer scenario; A resource information acquisition module, used to acquire transfer card information corresponding to the target joint resource transfer card and resource quota change information corresponding to the target joint resource transfer card, wherein the transfer card information includes resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account; A resource transfer confirmation result determination module is used to determine the resource transfer confirmation result corresponding to the resource transfer confirmation request based on the amount of resources to be transferred, the resource quota limit information, the remaining resource quantity and the resource quota change information, and send the resource transfer confirmation result to the first target transfer channel party so that the first target transfer channel party performs the resource transfer operation corresponding to the resource transfer confirmation result.

11. An electronic device, characterized in that: include: processor; a memory for storing instructions executable by the processor; The processor is configured to execute the instructions to implement a resource management method as claimed in any one of claims 1 to 9.

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