Resource management method and apparatus, electronic device, and storage medium

Abstract

This disclosure relates to a resource management method, apparatus, electronic device, and storage medium. The method includes: receiving a resource transfer confirmation request sent by a first target transfer channel; determining a target joint resource transfer card for a target account based on a first target credential and first preset mapping information; acquiring 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 and remaining resource quantity; determining a resource transfer confirmation result corresponding to the resource transfer confirmation request based on the amount of resources to be transferred, resource quota limit information, remaining resource quantity, and resource quota change information, and sending the resource transfer confirmation result to the first target transfer channel, so that the first target transfer channel performs the resource transfer operation corresponding to the resource transfer confirmation result. Utilizing embodiments of this disclosure can improve the efficiency and convenience of enterprise resource management.

Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and more particularly to a resource management method, apparatus, electronic device, and storage medium. Background Technology

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

[0003] However, in actual operations, businesses face complex and diverse business scenarios, including various resource transfer needs such as overseas procurement, domestic online and offline consumption, and employee daily expense reimbursements. To meet the needs of these different scenarios, companies often have to use multiple payment platforms to manage employee resource transfer limits on different platforms, ensuring that employee resource transfers in each scenario comply with company regulations. This increases the complexity and workload of management. Furthermore, companies need to pre-load resources on multiple platforms to ensure smooth resource transfers. This decentralized management not only easily leads to cumbersome resource management but may also result in low resource transfer processing efficiency due to differences in resource management rules across platforms. Ultimately, this leads to inefficient resource transfer management, increased management costs, and poor convenience for companies. Summary of the Invention

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

[0005] According to a first aspect of the present disclosure, a resource management method is provided, comprising:

[0006] Receive a resource transfer confirmation request sent by the first target transfer channel. The resource transfer confirmation request is triggered by the resource transfer request based on the first target credential during the process of the target account acquiring the target object 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. The target resource transfer scenario is any one of multiple preset resource transfer scenarios.

[0007] Based on the first target credential and the first preset mapping information, the target joint resource transfer card of the target account is determined. The first preset mapping information is used to characterize the first correspondence between the preset joint resource transfer cards corresponding to the multiple preset accounts and the preset credentials corresponding to the multiple preset accounts in each preset resource transfer scenario.

[0008] Obtain 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. The transfer card information includes the 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, 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 can execute the resource transfer operation corresponding to the resource transfer confirmation result.

[0010] According to a second aspect of the present disclosure, a resource management apparatus is provided, comprising:

[0011] The resource transfer confirmation request receiving module is used to receive a resource transfer confirmation request sent by the first target transfer channel. The resource transfer confirmation request is triggered by the resource transfer request based on the first target credential during the process of the target account acquiring the target object 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. The target resource transfer scenario is any one of multiple preset resource transfer scenarios.

[0012] The target joint resource transfer card determination module is used to determine the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information. The first preset mapping information is used to characterize the first correspondence between the preset joint resource transfer cards corresponding to multiple preset accounts and the preset credentials corresponding to the multiple preset accounts in each preset resource transfer scenario.

[0013] The resource information acquisition module is used to acquire 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. The transfer card information includes the resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account.

[0014] The 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 can perform the resource transfer operation corresponding to the resource transfer confirmation result.

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

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

[0017] According to a fifth aspect of the present disclosure, a computer program product including instructions is provided that, when run on a computer, causes the computer to perform the method described in any of the first aspects of the present disclosure.

[0018] The technical solutions provided by the embodiments of this disclosure have at least the following beneficial effects:

[0019] By receiving a resource transfer confirmation request from the first target transfer channel and based on the first target credential and the first preset mapping information carried in the request, the target joint resource transfer card for the target account can be accurately determined. This ensures that in complex environments with multiple accounts, multiple scenarios, and multiple credentials, the target joint resource transfer card corresponding to the target account can be quickly located, achieving refined resource management. The first preset mapping information represents the first correspondence between the preset joint resource transfer cards corresponding to multiple preset accounts and the preset credentials corresponding to 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, enabling enterprises to manage resources based on a unified preset joint resource transfer card without cumbersome operations across multiple platforms, reducing the resource management costs and risks caused by resources being scattered across multiple platforms. After determining the target joint resource transfer card, its corresponding transfer card information and resource quota change information are obtained. The transfer card information includes resource quota limit information and the remaining resource quantity. Combined with the amount of resources to be transferred in the resource transfer confirmation request, the resource transfer confirmation result is determined, improving the accuracy and efficiency of resource transfer decisions. By establishing a unified resource transfer confirmation process and strictly controlling resource limits, enterprises can promptly detect and process abnormal resource transfer requests, thereby improving resource security.

[0020] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure. Attached Figure Description

[0021] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this disclosure and, together with the description, serve to explain the principles of this disclosure, and are not intended to unduly limit this disclosure.

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

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

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

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

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

[0027] Figure 6 This is a schematic diagram illustrating a process for modifying target resource information according to an exemplary embodiment;

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

[0029] Figure 8 This is a block diagram illustrating an electronic device for resource management according to an exemplary embodiment. Detailed Implementation

[0030] To enable those skilled in the art to better understand the technical solutions of this disclosure, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings.

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

[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 used for display, data used 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 This is a flowchart illustrating a resource management method according to an exemplary embodiment, such as... Figure 1 As shown, this 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 is received from the first target transfer channel.

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

[0036] For example, a resource transfer confirmation request can be a payment confirmation request, the target account can be an employee's account, and the target object can be a physical product or a virtual product. Multiple preset resource transfer scenarios can include at least two of the following: cross-border virtual card payment scenario, enterprise code payment scenario, and token payment scenario. Specifically, cross-border virtual card payment supports scenarios where employees make purchases overseas, enterprise code payment supports scenarios where employees make offline purchases domestically, and token payment supports scenarios where employees make online purchases domestically.

[0037] Taking a cross-border virtual card payment scenario as an example, the first target transfer channel can be an overseas credit card organization. The first target credential serves as the basis for resource transfer processing in a cross-border virtual card payment scenario. For example, the first target credential can be the overseas virtual credit card number, the first security code, and the first expiration date.

[0038] Taking a corporate code payment scenario as an example, the first target transfer channel can be a domestic credit card organization. The first target credential serves as the basis for resource transfer processing of the target account in a corporate code payment scenario. For instance, the first target credential can be the first card number of a first domestic virtual credit card.

[0039] Taking a token payment scenario as an example of target resource transfer, the first target transfer channel can be a domestic credit card organization. The first target credential serves as the basis for resource transfer processing in a token payment scenario. For instance, the first target credential can be the second card number, second security code, and second expiration date of a second domestic virtual credit card.

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

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

[0042] In step 201, a credential request for the target account is sent to the first target transfer channel party so that the first target transfer channel party can perform credential request verification processing on the target account and determine the first target credential for the target account based on the verification result of the credential request verification processing.

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

[0044] In one specific embodiment, the aforementioned credential request may carry information such as the target account's account information and the validity period of the target Joint Resource Transfer Card. The account information is used to identify the target account. The verification result may be either successful or unsuccessful.

[0045] In practical applications, the verification and processing of credentials applications differ depending on the target resource transfer scenario.

[0046] Taking a cross-border virtual card payment scenario as an example, where the primary target transfer channel is an overseas credit card organization, and the primary target credential is the overseas virtual credit card number, primary security code, and primary expiration date, the credential application verification process can check whether the number of primary target credentials processed by the enterprise has reached a preset threshold. If the number of primary target credentials processed has not reached the preset threshold, the verification is successful, and the target account's overseas virtual credit card number, primary security code, and primary expiration date are sent to the server.

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

[0048] Taking a token payment scenario as an example, where the primary transfer channel is a domestic credit card organization, and the primary credential is the second card number, second security code, and second expiration date of a second domestic virtual credit card, the credential verification process can verify the legitimacy of the target account's information. If the account information is legitimate, the system determines and sends the second card number, second security code, and second expiration date of the target account's second domestic virtual credit card 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 during the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing.

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

[0051] Taking a cross-border virtual card payment scenario as an example, where the first target transfer channel is an overseas credit card organization, and the first target credential is the overseas virtual credit card number, first security code, and first expiration date, the aforementioned establishment of a second association between the first target credential and the target account, so that the target account, in the target resource transfer scenario, determines the first target credential based on the second association during the acquisition of the target object for resource processing, may include: binding the overseas virtual credit card number to the target account, so that the target account can, based on this binding relationship, use the overseas virtual credit card number, first security code, and first expiration date on the first resource transfer platform to perform card binding operations for resource processing. Specifically, the first resource transfer platform is a platform that supports resource transfer. For example, the first resource transfer platform can be a wallet application platform and an overseas shopping website.

[0052] Taking a target resource transfer scenario as an enterprise code payment scenario, with the first target transfer channel being a domestic credit card organization and the first target credential being the first card number of a first domestic virtual credit card, as an example, establishing a second association between the first target credential and the target account, so that the target account, in the target resource transfer scenario, determines the first target credential based on the second association during the acquisition of the target object for resource processing, may include: binding the first card number of the first domestic virtual credit card to the target account, so that the target account, based on this binding relationship, 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 within China for 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 a merchant's payment QR code. The aforementioned establishment of a second association between the first target credential and the target account, so that the target account, in the process of acquiring the target object in a target resource transfer scenario, determines the first target credential based on the second association for resource processing, may further include: upon receiving a click instruction from a pre-configured terminal, sending a resource transfer code application request to the domestic credit card organization through a pre-configured application interface provided by the domestic credit card organization, based on the first card number of the first domestic virtual credit card, so that the domestic credit card organization performs a resource transfer code generation operation corresponding to the resource transfer code application request, generating and sending the 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, thereby enabling the provider to perform 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. For example, the resource transfer code can be a payment QR code.

[0053] Taking a target resource transfer scenario as a token payment scenario, with the first target transfer channel being a domestic credit card organization, and the first target credential being the second card number, second security code, and second expiration date of a second domestic virtual credit card, as an example, establishing a second association between the first target credential and the target account, so that the target account, in the target resource transfer scenario, determines the first target credential based on the second association during the acquisition of the target object for 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, based on this binding relationship, use the second card number, second security code, and second expiration date of the second domestic virtual credit card to perform card binding operations on the second resource transfer platform for resource processing. Specifically, the second resource transfer platform is a platform that supports resource transfers bound to domestic credit card organizations. For example, the second resource transfer platform can be a mobile payment application that supports card binding to domestic credit card organizations.

[0054] In the above embodiments, after sending a credential request to the first target transfer channel, the first target transfer channel will perform credential verification processing on the target account to ensure that only the target account that meets the conditions can obtain a valid first target credential, thereby preventing potential fraud or resource risks and ensuring the security of resource transfer. Enterprises only need to trigger the credential request; the subsequent verification and credential determination process is automatically completed by the system and the first target transfer channel. Enterprises do not need to deeply understand the complex verification rules and credential generation process, reducing the difficulty and complexity of enterprise operations. Establishing a second association between the first target credential and the target account achieves centralized credential management. Enterprises can view and manage the credential association status of all target accounts in the database, facilitating monitoring and auditing.

[0055] In step S103, the 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 one specific embodiment, the aforementioned 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 a target account. The preset joint resource transfer card corresponding to any preset account can serve as a tool for that preset account to perform resource transfer processing in multiple preset resource transfer scenarios. The preset credential for any preset account in any preset resource transfer scenario serves as the basis for that preset account to perform resource transfer processing in that 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, first security code, and first expiration date of an overseas virtual credit card; the second preset resource transfer scenario as a corporate code payment scenario, the second preset credential is the first card number of a first domestic virtual credit card; and the third preset resource transfer scenario as a token payment scenario, the third preset credential is the second card number, second security code, and second expiration date of a second domestic virtual credit card, the corresponding first preset mapping relationship can represent the first correspondence between the target joint resource transfer card and the card number, first security code, and first expiration date 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, second security code, and second expiration date of the second domestic virtual credit card.

[0058] In a specific embodiment, such as Figure 3 As shown, the aforementioned 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 one specific embodiment, the aforementioned second target credential is the first preset credential among multiple preset credentials corresponding to multiple preset transfer channel providers that establishes a first association with the target account. The multiple preset transfer channel providers include a first target transfer channel provider and a second target transfer channel provider. The multiple preset credentials include a first target credential and a second target credential.

[0061] In one specific embodiment, the second target transfer channel can be any one of the multiple preset transfer channels corresponding to multiple preset resource transfer scenarios. The second target transfer channel can be the first target transfer channel or any other preset transfer channel besides the first target transfer channel.

[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, generating 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 embodiments, a universal target joint resource transfer card is generated after receiving the second target credential sent by the second target transfer channel. The second target credential is the first of multiple preset credentials corresponding to multiple preset transfer channels that establishes a first association with the target account. The target joint resource transfer card masks the characteristic of different preset credentials corresponding to different preset transfer channels, providing a unified management interface for the enterprise. Based on the target joint resource transfer card and the first target credential, first preset mapping information is generated, establishing a clear correspondence. This allows for the rapid and accurate retrieval of the corresponding target joint resource transfer card based on the second target credential during subsequent resource transfer processes, enabling the acquisition of key data such as relevant resource quota limits and remaining resource quantities, thereby facilitating efficient resource transfer decisions.

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

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

[0067] In one specific embodiment, the aforementioned third target transfer channel is any preset transfer channel other than the second target transfer channel among a plurality of preset transfer channel channels.

[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 embodiments, after receiving new target credentials from different channels, the first preset mapping information is updated. The target joint resource transfer card can flexibly associate these different credentials, enabling the target joint resource transfer card to dynamically adapt to this complex multi-channel, multi-credential environment. This ensures that enterprises can effectively manage resource transfers under different preset resource transfer scenarios, improving the flexibility and adaptability of resource management to diverse business needs.

[0070] In one specific embodiment, the resource transfer confirmation request also carries a provider identifier for the provider corresponding to the target object. The provider identifier is used to uniquely identify the provider. For example, the provider corresponding to the target object can be the merchant to which the goods belong.

[0071] Taking cross-border virtual card payments as an example of a target resource transfer scenario, the provider identifier can be the provider's category code. Taking enterprise code payments and token payments as examples, the provider identifier can include a provider ID (Identity document) and a provider category code. The provider ID uniquely identifies the provider. The provider category code 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, the target configuration information is determined.

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

[0075] In one specific embodiment, the aforementioned preset provider restriction information is used to restrict the provider corresponding to the target object for resource transfer.

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

[0077] In one specific embodiment, the aforementioned second preset mapping information is used to characterize the second correspondence between the preset joint resource transfer cards corresponding to each of the multiple preset accounts and the multiple preset configuration information. The multiple preset configuration information includes 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 amount 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, such as Figure 4 As shown, the second preset mapping information is obtained in the following way:

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

[0081] In a specific embodiment, the aforementioned target configuration information can be configuration information for the usage specifications of the target joint resource transfer card. Specifically, the target configuration information is obtained by filling in relevant configuration information on any preset template and clicking the confirmation button. For example, the preset template may include basic information, usage rule information, preset provider restriction information, and limit rules, etc. Specifically, the basic information may include template type, card name, and template status, etc. The usage rule information may include target resource transfer scenario, acceptance scope, funding mode, and funding account, etc. Among them, the acceptance scope may be overseas consumption or domestic consumption, and the funding mode may be pre-charge. The preset provider restriction information includes a category code restriction whitelist and a provider ID whitelist. The limit rules may include initial card issuance limit and resource limit information. Among them, the initial card issuance limit is used to indicate the amount of resources on the target joint resource transfer card after pre-charge, and the resource limit information may include single transaction limit, daily limit, and monthly 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 embodiments, by establishing target configuration information and a second preset mapping information of the target joint resource transfer card, the target configuration information can be quickly located through the target joint resource transfer card and the second preset mapping information during the subsequent resource transfer process. The preset provider restriction information in the target configuration information can be obtained, thereby verifying the provider identifier representation, ensuring that the resource transfer complies with the rules, and 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, such as Figure 5 As shown, the above transfer card information and resource quota change information were obtained in the following way:

[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 one specific embodiment, the aforementioned target configuration information includes preset resource restriction information. This preset resource restriction information is used to limit the amount of resources to be transferred from the target object undergoing resource transfer. Specifically, the preset resource restriction information may include at least one of the following: initial credit limit, single transaction limit, daily limit, and monthly limit.

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

[0089] In one specific embodiment, the aforementioned transfer card information includes resource limit information corresponding to the target account and the remaining resource quantity corresponding to the target account. The resource limit information may include at least one of the following: single transaction limit, daily limit, and monthly limit. The remaining resource quantity can be the amount of remaining resources for the target account after historical resource transfers. The remaining resource quantity is obtained by subtracting the historical resource transfer information from the initial card issuance limit. The historical resource transfer information refers to the amount of resources that the target account has already transferred using the first target credential.

[0090] The aforementioned transfer card information also includes the target resource transfer scenario, the target account's account identifier, the target joint resource transfer card's transfer card number, the target joint resource transfer card's status, the target credential, the target template's template identifier, and the target joint resource transfer card's expiration time. Specifically, the target joint resource transfer card's transfer card number is used to uniquely identify the target joint resource transfer card. The target joint resource transfer card's status can be any of the following: normal, frozen, cancelled, or expired. The expiration time indicates the target joint resource transfer card's valid expiration date. Accordingly, if the current time has exceeded the expiration time, the target joint resource transfer card's status will automatically update to expired.

[0091] For example, the aforementioned transfer card information can be an information table that records information such as resource quota limit information, remaining resource quantity, target resource transfer scenario, target account's account identifier, target joint resource transfer card's transfer card number, target joint resource transfer card's status, target voucher, target template's template identifier, and target joint resource transfer card's expiration time.

[0092] In one specific embodiment, the aforementioned resource quota change information may include the target account's remaining quota for the current day and the remaining quota for the current month after the historical resource transfers for the current day and the historical resource transfers for the current month. The resource quota change information is obtained based on the daily quota, the monthly quota, and the target account's historical resource transfer information for the current day and the historical resource transfer information for the current month. Specifically, the remaining quota for the current day is obtained by subtracting the historical resource transfer information for the current day from the daily quota, and the historical resource transfer information for the current month is obtained by subtracting the historical resource transfer information for the current month from the monthly quota. The historical resource transfer information for the current day represents the amount of resources that the target account has transferred using the first target credential on that day. The historical resource transfer information for the current month represents the amount of resources that the target account has transferred using the first target credential in the current month.

[0093] For example, if the daily limit is 500 yuan and the monthly limit is 10,000 yuan, and the target account has a total of 200 yuan in historical payment records on the current day (i.e., the historical resource transfer information for the current day is 200 yuan), and has a total of 4,000 yuan in historical payment records for the current month (i.e., the historical resource transfer information for the current month is 4,000 yuan), then the resource limit change information includes a remaining limit of 300 yuan for the current day and a remaining limit of 6,000 yuan for the current month.

[0094] In the above embodiments, target configuration information is determined through the target joint resource transfer card and the second preset mapping information. Based on the preset resource restriction information in the target configuration information, transfer card information and resource quota change information are generated, providing enterprises with a basis for verification during the resource transfer process. Furthermore, enterprises can promptly understand the resource status of each target account based on the transfer card information and resource quota change information, as well as conduct internal audits and compliance checks. Clear resource transfer records facilitate the traceability and verification of 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, remaining resource quantity, 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 can execute 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, based on the amount of resources to be transferred, resource quota limit information, remaining resource quantity, and resource quota change information, includes:

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

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

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

[0100] In one specific embodiment, the above-mentioned resource transfer confirmation result can be either a confirmed payment or a transaction interception.

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

[0102] For example, taking a cross-border virtual card payment scenario as the target resource transfer scenario, and using the provider's category code restriction whitelist as an example, the preset provider restriction information is as follows: the single transaction limit is 600 yuan, the daily limit is 1000 yuan, the monthly limit is 20000 yuan, the remaining daily limit is 500 yuan, the remaining monthly limit is 15000 yuan, the remaining resource quantity is 30000 yuan, and the resource quantity to be transferred is 300 yuan. The category code restriction whitelist includes a first preset category code, a second preset category code, a third preset category code, and a fourth preset category code, and the provider's category code is the second preset category code. The above-mentioned method verifies the provider identifier based on preset provider restriction information to obtain a first verification result; it verifies the amount of resources to be transferred based on resource quota restriction information, remaining resource quantity, and resource quota change information to obtain a second verification result; based on the first and second verification results, 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, it further verifies whether the amount of resources to be transferred of 300 yuan meets the single transaction limit of 600 yuan, the daily limit of 1000 yuan, the monthly limit of 20000 yuan, the remaining daily quota of 500 yuan, the remaining monthly quota of 15000 yuan, and the remaining resource quantity of 30000 yuan. If the verification passes, the resource transfer confirmation result is determined to be a confirmed payment.

[0103] Taking the target resource transfer scenarios as enterprise code payment and token payment scenarios, and assuming the preset provider restriction information includes a provider category code restriction whitelist and a provider ID whitelist, the above process involves verifying the provider identifier based on the preset provider restriction information to obtain a first verification result; verifying the amount of resources to be transferred based on resource quota restriction information, remaining resource quantity, and resource quota change information to obtain a second verification result; and determining the resource transfer confirmation result based on the first and second verification results may include: verifying whether the provider's category code is in the category code restriction whitelist and whether the provider's ID is in the provider ID whitelist to obtain a first verification result. If the first verification result fails, the resource transfer confirmation result is determined to be a transaction interception. If the first verification result passes, the amount of resources to be transferred is verified to meet the quota restrictions based on the single transaction limit, daily limit, monthly limit, remaining daily quota, and remaining monthly quota; and the amount of resources to be transferred is verified to be less than or equal to the remaining resource quantity to obtain a 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 embodiments, the provider identifier of the provider corresponding to the target object carried in the resource transfer confirmation request is verified by using the preset provider restriction information in the target configuration information determined based on the target joint resource transfer card and the second preset mapping information, thereby ensuring that the resource transfer complies with the regulations.

[0105] In one 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, update the remaining resource quantity and resource quota change information based on the amount of resources to be transferred.

[0107] In one specific embodiment, the above execution result can be either payment success or payment failure.

[0108] For example, if the execution result is a successful payment, based on the amount of resources to be transferred of 300 yuan, the remaining resources of 30,000 yuan, the remaining daily quota of 500 yuan, and the remaining monthly quota of 15,000 yuan are updated to the remaining resources of 29,700 yuan, the remaining daily quota of 200 yuan, and the remaining monthly quota of 14,700 yuan, respectively.

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

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

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

[0112] In one specific embodiment, the aforementioned target resource information is any one of a plurality of preset resource information included in the transfer card information. Specifically, the plurality of preset resource information includes resource quota limit information and the remaining resource quantity. The plurality of 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 the resource quota limit information as an example, the change instruction can be to adjust the resource quota limit information. For example, the change instruction can be to adjust the previous monthly limit of 20,000 yuan to the monthly limit of 15,000 yuan.

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

[0115] Taking the target resource information as the status of the target joint resource transfer card as an example, the change instruction can be to adjust the status of the target joint resource transfer card. For example, the change instruction can be to change the "Used Status" to "Frozen Status".

[0116] Taking the expiration time of the target resource information as an example, the change instruction can modify the expiration time before the change, so that the expiration time is advanced or delayed.

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

[0118] In practical applications, if the change operation involves adjusting resource quota limits, adjusting the remaining resource quantity, or changing the status of the target joint resource transfer card to any status other than cancellation, only the target resource information corresponding to the target joint resource transfer card needs to be modified. If the change operation involves changing the status of the target joint resource transfer card to cancellation, in addition to modifying the target resource information corresponding to the target joint resource transfer card, it is also necessary to modify the voucher information corresponding to the first target voucher through the preset modification interface provided by the first target transfer channel, so that the first target transfer channel can perform the corresponding cancellation operation on the first target voucher.

[0119] In the above embodiments, by receiving change instructions for target resource information in the transfer card information, enterprises can directly manage the target joint resource transfer card at a unified level. This shields the different resource management characteristics of different preset transfer channel providers, eliminating the need for enterprises to cooperate with the specific operational details of each preset transfer channel provider. In other words, regardless of the underlying preset transfer channel provider, enterprises only need to issue change instructions through a unified system interface to adjust resource quota limits, greatly simplifying the change process, reducing enterprise management costs, and improving work efficiency.

[0120] Figure 7 This is a block diagram illustrating a resource management device according to an exemplary embodiment. (Refer to...) Figure 7 The device includes:

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

[0123] The resource information acquisition module 730 is used to acquire 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.

[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, remaining resource quantity 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 can execute the resource transfer operation corresponding to the resource transfer confirmation result.

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

[0126] The target joint resource transfer card generation module is used to generate a target joint resource transfer card after receiving the second target certificate sent by the second target transfer channel party;

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

[0128] In an optional embodiment, the above-described apparatus further includes:

[0129] The first preset mapping information update 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] The target configuration information determination module is used to determine the target configuration information based on the target joint resource transfer card and the second preset mapping information;

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

[0133] The first verification result determination unit is used to verify the provider identifier based on the preset provider restriction information to obtain the first verification result;

[0134] The second verification result determination unit is used to verify the amount of resources to be transferred based on resource quota limit information, remaining resource quantity and resource quota change information, and obtain the second verification result;

[0135] The resource transfer confirmation result determination 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 using the following module:

[0137] The target configuration information receiving module is used to receive target configuration information sent by the preset configuration terminal;

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

[0139] In an optional embodiment, the above-described apparatus further includes:

[0140] The credential request sending module is used to send a credential request corresponding to the target account to the first target transfer channel party, so that the first target transfer channel party can perform credential request verification processing on the target account, and determine the first target credential of the target account based on the verification result of the credential request verification processing.

[0141] The second association establishment module is used to receive the first target credential sent by the first target transfer channel and establish a second association 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 during the process of obtaining the target object in the target resource transfer scenario, so as to perform resource processing.

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

[0143] The target configuration information determination module is 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 limit information.

[0145] In an optional embodiment, the above-described apparatus further includes:

[0146] The change instruction receiving module is used to receive change instructions for target resource information in the transfer card information;

[0147] The change processing module is used to process changes to target resource information based on change commands.

[0148] In an optional embodiment, the above-described apparatus further includes:

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

[0150] Regarding the apparatus in the above embodiments, the specific manner in which each module performs its operation has been described in detail in the embodiments related to the method, and will not be elaborated upon here.

[0151] Figure 8 This is a block diagram illustrating 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 follows: Figure 8 As shown, the electronic device includes a processor, memory, network interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage medium. The network interface is used to communicate with external terminals via a network connection. When the computer program is executed by the processor, it implements a resource management method. The display screen can be a liquid crystal display (LCD) or an e-ink display. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad mounted on the device's casing, or an external keyboard, touchpad, or mouse.

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

[0153] In an exemplary embodiment, an electronic device is also provided, including: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the resource management method as described in the embodiments of this disclosure.

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

[0155] Other embodiments of this disclosure will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this disclosure that follow the general principles of this disclosure and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this disclosure are indicated by the following claims.

[0156] It should be understood that this disclosure is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this disclosure is limited only by the appended claims.

Claims

1. A resource management method, characterized in that, include: Receive a resource transfer confirmation request sent by the first target transfer channel. The resource transfer confirmation request is triggered by the resource transfer request based on the first target credential during the process of the target account acquiring the target object 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. The target resource transfer scenario is any one of multiple preset resource transfer scenarios. Based on the first target credential and the first preset mapping information, the target joint resource transfer card of the target account is determined. The first preset mapping information is used to characterize the first correspondence between the preset joint resource transfer cards corresponding to the multiple preset accounts and the preset credentials corresponding to the multiple preset accounts in each preset resource transfer scenario. Obtain 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. The transfer card information includes the 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, 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 can execute 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 way: After receiving the second target credential sent by the second target transfer channel party, the target joint resource transfer card is generated. The second target credential is the first preset credential among multiple preset credentials corresponding to multiple preset transfer channel parties that establishes a first association relationship with the target account. Based on the target joint resource transfer card and the second target credential, the first preset mapping information is generated.

3. The method according to claim 2, characterized in that, The method further includes: After receiving the third target credential sent by the third target transfer channel party, the first preset mapping information is updated, wherein the third target transfer channel party is any preset transfer channel party other than the second target transfer channel party among the plurality of preset transfer channel parties.

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

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

6. The method according to claim 1, characterized in that, The method further includes: Send a credential request for the target account to the first target transfer channel, so that the first target transfer channel performs credential request verification processing on the target account, and determines the first target credential of the target account based on the verification result of the credential request verification processing. The first target credential is used to complete the resource transfer. The system receives the first target credential sent by the first target transfer channel and establishes a second association 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 during the process of acquiring the target object in the target resource transfer scenario, so as 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: Based on the target joint resource transfer card and the second preset mapping information, target configuration information is determined. The target configuration information includes preset resource restriction information. The second preset mapping information is used to characterize the second correspondence between the preset joint resource transfer card corresponding to each of the multiple preset accounts and the multiple 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 includes: Receive a change instruction for target resource information in the transfer card information, wherein the target resource information is any one of a plurality of preset resource information included in the transfer card information, and 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 modified.

9. The method according to any one of claims 1 to 7, characterized in that, The method further includes: In response to the execution result of the resource transfer operation sent by the first target transfer channel, 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: The resource transfer confirmation request receiving module is used to receive a resource transfer confirmation request sent by the first target transfer channel. The resource transfer confirmation request is triggered by the resource transfer request based on the first target credential during the process of the target account acquiring the target object 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. The target resource transfer scenario is any one of multiple preset resource transfer scenarios. The target joint resource transfer card determination module is used to determine the target joint resource transfer card of the target account based on the first target credential and the first preset mapping information. The first preset mapping information is used to characterize the first correspondence between the preset joint resource transfer cards corresponding to multiple preset accounts and the preset credentials corresponding to the multiple preset accounts in each preset resource transfer scenario. The resource information acquisition module is used to acquire 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. The transfer card information includes the resource quota limit information corresponding to the target account and the remaining resource quantity corresponding to the target account. The 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 can perform the resource transfer operation corresponding to the resource transfer confirmation result.

11. An electronic device, characterized in that, include: processor; Memory used to store the processor's executable instructions; The processor is configured to execute the instructions to implement a resource management method as described in any one of claims 1 to 9.

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