Resource processing method, electronic equipment and storage medium

Abstract

The invention discloses a resource processing method and device, electronic equipment and a storage medium. The method comprises the steps of obtaining a resource issuing task; the resource issuing task comprises the number of issuing resources needing to be issued by the target object, a target product identifier and a target resource library identifier; based on the number of the issued resources, performing redemption processing on a first resource product held by the target object to obtain a redeemed resource, and performing freezing processing on a second resource product held by the target object to obtain a frozen resource; in response to completion of the redemption processing, unfreezing the frozen resource to obtain an unfrozen resource; determining a target issuing resource from the redemption resources and / or the unfreezing resources based on the difference between the number of the redemption resources and the number of the issuing resources; the target issuing resources are consistent with the issuing resources in quantity; and issuing the target issuing resource to the target resource library. According to the method provided by the invention, the success rate of transaction by using resources is greatly improved.

Description

Technical Field

[0001] This application relates to the field of electronic information technology, and more particularly, to a resource processing method, an electronic device, and a storage medium. Background Art

[0002] Currently, when the resources in the resource library held by a user are scarce, when the user uses the resources in the resource library for transactions, the user can only purchase products or services with relatively low resource value, resulting in the resources in the resource library being unable to meet the diverse transaction needs of the user. Summary of the Invention

[0003] In view of this, embodiments of the present application propose a resource processing method, apparatus, electronic device, and storage medium.

[0004] In a first aspect, an embodiment of the present application provides a resource processing method, which is applied to a server. The method includes: obtaining a resource distribution task; the resource distribution task includes the quantity of the distribution resources that a target object needs to distribute, a target product identifier, and a target resource library identifier; the target product identifier is used to indicate a first resource product and a second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library; based on the quantity of the distribution resources, performing a redemption process on the first resource product held by the target object to obtain redemption resources, and performing a freezing process on the second resource product held by the target object to obtain frozen resources; in response to the completion of the redemption process, performing a thawing process on the frozen resources to obtain thawed resources; based on the difference between the redemption resources and the quantity of the distribution resources, determining target distribution resources from the redemption resources and / or the thawed resources; the target distribution resources are consistent with the quantity of the distribution resources; and sending the target distribution resources to the target resource library.

[0005] In a second aspect, an embodiment of the present application provides another resource processing method, which is applied to a terminal. The method includes: in response to an information input operation of a target object on a configuration interface, creating a resource processing request based on the quantity of the distribution resources, the target product identifier, and the target resource library identifier input by the information input operation; the target product identifier is used to indicate a first resource product and a second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library held by the target object; and sending the resource processing request to the server so that the server creates a resource distribution task based on the resource processing request.

[0006] In a third aspect, an embodiment of the present application provides a resource processing device, which is applied to a server. The device includes: an acquisition module, configured to acquire a resource distribution task; the resource distribution task includes the quantity of the distribution resources to be distributed to a target object, a target product identifier, and a target resource library identifier; the target product identifier is used to indicate a first resource product and a second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library; a resource processing module, configured to perform a redemption process on the first resource product held by the target object based on the quantity of the distribution resources to obtain redeemed resources, and perform a freezing process on the second resource product held by the target object to obtain frozen resources; a thawing module, configured to perform a thawing process on the frozen resources to obtain thawed resources in response to the completion of the redemption process; a determination module, configured to determine target distribution resources from the redeemed resources and / or the thawed resources based on the difference between the redeemed resources and the quantity of the distribution resources; the target distribution resources are consistent with the quantity of the distribution resources; a distribution module, configured to distribute the target distribution resources to the target resource library.

[0007] Optionally, the determination module is further configured to, if the quantity of the redeemed resources is lower than the quantity of the distribution resources, perform a redemption process on the thawed resources based on the difference between the quantity of the redeemed resources and the quantity of the distribution resources to obtain supplementary redeemed resources; acquire the supplementary redeemed resources and the redeemed resources as the target distribution resources.

[0008] Optionally, the determination module is further configured to, if the quantity of the redeemed resources is not lower than the quantity of the distribution resources, determine surplus redeemed resources from the redeemed resources based on the difference between the redeemed resources and the quantity of the distribution resources; acquire the part of the redeemed resources excluding the surplus redeemed resources as the target distribution resources.

[0009] Optionally, the determination module is further configured to purchase a new second resource product according to the surplus redeemed resources.

[0010] Optionally, the resource processing module is further configured to acquire the holding quantity of the target object for the first resource product and the holding quantity for the second resource product; determine the estimated distribution quantity of the first resource product according to the quantity of the distribution resources and the unit resource value of the first resource product; determine the estimated distribution quantity of the second resource product according to a preset target discount rate, the unit resource value of the second resource product, and the quantity of the distribution resources; determine the redemption quantity of the first resource product and the freezing quantity of the second resource product based on the comparison result between the estimated distribution quantity of the first resource product and the holding quantity, and the comparison result between the estimated distribution quantity of the second resource product and the holding quantity; perform a redemption process on the first resource product held by the target object based on the redemption quantity to obtain redeemed resources; perform a freezing process on the second resource product held by the target object based on the freezing quantity to obtain frozen resources.

[0011] Optionally, the resource processing module is further configured to, if the estimated quantity to be distributed of the first resource product is not higher than the held quantity, and the estimated quantity to be distributed of the second resource product is not higher than the held quantity, obtain the estimated quantity to be distributed of the first resource product as the redemption quantity of the first resource product, and determine the frozen quantity of the second resource product based on the estimated quantity to be distributed of the second resource product and the target discount rate.

[0012] Optionally, the resource processing module is further configured to calculate the product of the estimated quantity to be distributed of the second resource product and the target discount rate as the first quantity; calculate the difference between the estimated quantity to be distributed of the second resource product and the first quantity as the frozen quantity of the second resource product.

[0013] Optionally, the resource processing module is further configured to, if the estimated quantity to be distributed of the first resource product is not higher than the held quantity, and the estimated quantity to be distributed of the second resource product is higher than the held quantity, obtain the held quantity of the second resource product as the frozen quantity of the second resource product, and determine the redemption quantity of the first resource product based on the quantity of the distributed resources, the second resource product with the frozen quantity, the target discount rate, and the unit resource value of the first resource product.

[0014] Optionally, the resource processing module is further configured to determine the quantity of the frozen resources based on the second resource product with the frozen quantity and the unit resource value of the second resource product; determine the redemption quantity of the first resource product based on the difference between the quantity of the distributed resources and the quantity of the frozen resources, the target discount rate, and the unit resource value of the first resource product.

[0015] Optionally, the resource processing module is further configured to, if the estimated quantity to be distributed of the first resource product is higher than the held quantity, obtain the held quantity of the first resource product as the redemption quantity of the first resource product, and determine the frozen quantity of the second resource product based on the held quantity of the first resource product, the unit resource value of the first resource product, the target discount rate, and the quantity of the distributed resources.

[0016] Optionally, the resource processing module is further configured to determine the actual value resource quantity of the first resource product based on the held quantity and the unit resource value of the first resource product, and the target discount rate; determine the frozen quantity of the second resource product based on the difference between the quantity of the distributed resources and the actual value resource quantity.

[0017] Optionally, the resource distribution task further includes the distribution time of the distributed resources; the resource processing module is further configured to determine the redemption arrival time of the first resource product based on the redemption transaction time of the first resource product and the redemption arrival cycle; if the distribution time is earlier than the redemption arrival time, redeem the first resource product held by the target object based on the quantity of the distributed resources to obtain the redeemed resources, and freeze the second resource product held by the target object to obtain the frozen resources.

[0018] Fourthly, an embodiment of the present application provides another resource processing device, which is applied to a terminal. The device includes: a response module, configured to respond to an information input operation of a target object on a configuration interface, and create a resource processing request based on the quantity of the allocated resources, the target product identifier, and the target resource library identifier input by the information input operation; the target product identifier is used to indicate the first resource product and the second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library held by the target object; a sending module, configured to send the resource processing request to a server, so that the server creates a resource allocation task based on the resource processing request.

[0019] Fifthly, an embodiment of the present application provides an electronic device, including a processor and a memory; computer-readable instructions are stored on the memory, and when the computer-readable instructions are executed by the processor, the above-mentioned method is implemented.

[0020] Sixthly, an embodiment of the present application provides a computer-readable storage medium, on which computer-readable instructions are stored, and when the computer-readable instructions are executed by a processor, the above-mentioned method is implemented.

[0021] Seventhly, an embodiment of the present application provides a computer program product, including computer instructions, and when the computer instructions are executed by a processor, the above-mentioned method is implemented.

[0022] An embodiment of the present application provides a resource processing method, device, electronic device, and storage medium. In the present application, the first resource product held by the target object is redeemed based on the quantity of the allocated resources to obtain redeemed resources, and the second resource product held by the target object is frozen based on the quantity of the allocated resources, and the frozen resources are thawed after the redeemed resources are obtained to obtain thawed resources. Then, the target allocated resources are determined from the redeemed resources and / or the thawed resources, and the determined target allocated resources are allocated to the target resource library. Thus, the resources worth the first resource product and the second resource product held by the target object are utilized, the quantity of resources in the target resource library is increased, and the quantity of resources in the target resource library is relatively large. When a user conducts a transaction using the resources in the target resource library, the user can not only purchase products or services with relatively low resource value, but also purchase products or services with relatively high resource value, greatly reducing the situation where the resources in the target resource library decrease and it becomes impossible to purchase products or services with relatively high resource value, enabling the resources in the target resource library to meet the diverse transaction needs of users and improving the transaction experience of users.

[0023] Thus, it effectively avoids the situation where the available resources held by the target object are relatively low and the resources in the target resource library do not meet the transaction requirements, and improves the success rate of transactions using the resources of the target object. Brief Description of the Drawings

[0024] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those skilled in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0025] Figure 1 It shows a schematic diagram of an application scenario applicable to the embodiments of the present application;

[0026] Figure 2 It shows a flowchart of a resource processing method proposed in an embodiment of the present application;

[0027] Figure 3 It shows a schematic diagram of a redemption arrival time in the embodiments of the present application;

[0028] Figure 4 It shows Figure 2 A flowchart of step S120 in a corresponding embodiment in one embodiment;

[0029] Figure 5 It shows a flowchart of a resource processing method proposed in another embodiment of the present application;

[0030] Figure 6 It shows a schematic diagram of a configuration interface in the embodiments of the present application;

[0031] Figure 7 It shows a schematic diagram of the creation process of a fund withdrawal task in the embodiments of the present application;

[0032] Figure 8 It shows a schematic diagram of the redemption process of a main product and the freezing process of a fallback product in the embodiments of the present application;

[0033] Figure 9 It shows a schematic diagram of a fund withdrawal process in the embodiments of the present application;

[0034] Figure 10 It shows a block diagram of a resource processing device proposed in an embodiment of the present application;

[0035] Figure 11 It shows a block diagram of a resource processing device proposed in another embodiment of the present application;

[0036] Figure 12 It shows a block diagram of an electronic device for executing the resource processing method according to the embodiments of the present application. Detailed Description of the Embodiments

[0037] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. According to the embodiments of the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the scope of protection of the present application.

[0038] In the following description, the terms "first / second" only distinguish similar objects and do not represent a specific order for the objects. It can be understood that "first / second" can be interchanged with a specific order or sequence when permitted, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein.

[0039] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application. It should be noted that: "a plurality" as mentioned herein refers to two or more. "And / or" describes the association relationship of associated objects and indicates that three relationships may exist. For example, A and / or B may represent: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally represents an "or" relationship between the associated objects before and after.

[0040] Please refer to Figure 1 , which shows a schematic diagram of an application scenario applicable to the embodiments of the present application. The application scenario includes a terminal 110 and a server 120. The terminal 110 and the server 120 are communicatively connected through a network 130, and the network 130 can be a wired network or a wireless network.

[0041] The terminal 110 is a device with a display configuration interface and capable of receiving information input operations through the configuration interface, such as a smart phone, a tablet computer, an e-book reader, a music player, a wearable device, a smart home device, a vehicle-mounted terminal, and the like. A client is installed in the terminal 110, and such a client can display a configuration interface and receive information input operations through the configuration interface. For example, the client can be an instant messaging client, a content interaction client, an email client, a text message client, etc.

[0042] The server 120 can be an independent physical server, a server cluster or a distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, Content Delivery Network (CDN), and big data and artificial intelligence platforms.

[0043] In this application, the terminal 110 can display a configuration interface. Through the configuration interface, in response to an information input operation of a target object on the configuration interface, a resource processing request is created and sent to the server 120. The server 120 creates a resource distribution task based on the resource processing request. After that, the server 120 determines the target distribution resource based on the resource distribution task, the first resource product and the second resource product held by the target object, and distributes the target distribution resource to the target resource library.

[0044] Please refer to Figure 2 , Figure 2 which shows a flowchart of a resource processing method proposed in an embodiment of this application. This method is applied to an electronic device, and the electronic device can be Figure 1 the server 120 in

[0045] S110. Obtain a resource distribution task.

[0046] Among them, the resource distribution task includes the quantity, product identifier, and resource library identifier of the distribution resource that the target object needs to distribute; the product identifier is used to indicate the first resource product and the second resource product held by the target object, and the first resource product is different from the second resource product; the resource library identifier is used to indicate the target resource library.

[0047] In this application, the target object can be an object that holds a resource product. The target object can be a real object in the environment or a virtual object in a virtual scene. For example, the target object can be a person who holds a resource in the real scene. Another example is that the target object can be a virtual warrior who holds a resource in a virtual game scene.

[0048] The resources of the target object refer to the resources that the target object can use. In the case where the target object is a real object, the resources of the target object can be real currency, digital currency, virtual currency, etc. In the case where the target object is a virtual object, the resources of the target object can also be virtual currency, etc.

[0049] The resource product can be a product that can use resources for trading, which can be a real product, digital product, and real service in the real scene, or a virtual product or virtual service in the virtual scene.

[0050] For example, for the real scenario, the resource products can be financial products, clothing, real estate, electronic products, etc. For another example, for the virtual scenario, the resource products can be virtual weapons, virtual real estate, virtual clothing, pets, etc.

[0051] The product identifier of the resource product can be the name and number of the resource product, etc., and the product identifiers of different resource products are different. The target product identifier refers to the product identifier used to indicate the first resource product and the second resource product. For example, the target product identifier can include the first product identifier and the second product identifier, and the first resource product is indicated by the first product identifier, and the second resource product is indicated by the second product identifier.

[0052] The resource library refers to the database used to store resources. For example, for the real scenario, the resource library can refer to the bank card used to store currency, the account used to store digital currency, etc. The target resource library is any one of the resource libraries specified by the resource distribution task. The target resource library can be the resource library held by the target object, or the resource library held by other objects.

[0053] The resource library identifier can be the name and number of the resource library, etc., and the resource library identifiers of different resource libraries are different. That is to say, the target resource library identifier in S110 refers to the resource library identifier of the target resource library.

[0054] In this application, the quantity of the distributed resources and the target resource library can be determined based on the use of the distributed resources required by the target object or the needs of the target object itself, and the first resource product and the second resource product can be determined based on all the resource products held by the target object. Then, based on the quantity of the distributed resources, the resource library identifier of the target resource library (that is, the target resource library identifier), and the target product identifier used to indicate the first resource product and the second resource product, a resource distribution task is created.

[0055] S120. Based on the quantity of the distributed resources, perform a redemption process on the first resource product held by the target object to obtain redeemed resources, and perform a freezing process on the second resource product held by the target object to obtain frozen resources.

[0056] After obtaining the resource distribution task, extract the quantity of distributed resources from the resource distribution task. Then, based on the quantity of distributed resources, determine the redemption quantity of the first resource product held by the target object and the freezing quantity of the second resource product held by the target object. Then, based on the redemption quantity, perform a redemption process on the first resource product held by the target object to redeem the first resource product of the redemption quantity. The resources obtained after redeeming the first resource product of the redemption quantity are used as the redeemed resources. At the same time, after obtaining the freezing quantity, based on the freezing quantity, perform a freezing process on the second resource product held by the target object to freeze the second resource product of the freezing quantity. This partially frozen second resource product is used as the frozen resources, thereby achieving the purpose of freezing the second resource product held by the target object to freeze the resources of the target object.

[0057] In some embodiments, it may be based on the quantity of distributed resources and the unit resource value of the first resource product to determine the redemption quantity of the first resource product, and based on the quantity of distributed resources and the unit resource value of the second resource product to determine the freezing quantity of the second resource product. For example, calculate the ratio of the quantity of distributed resources and the unit resource value of the first resource product as the redemption quantity of the first resource product, and calculate the ratio of the quantity of distributed resources and the unit resource value of the second resource product as the freezing quantity of the second resource product.

[0058] In still other embodiments, it may be based on the quantity of distributed resources and the unit resource value of the first resource product to determine the estimated distribution quantity of the first resource product corresponding to the target object, and determine the value not exceeding the estimated distribution quantity of the first resource product as the redemption quantity. Correspondingly, it may also be based on the quantity of distributed resources and the unit resource value of the second resource product to determine the estimated distribution quantity of the second resource product corresponding to the target object, and determine the value not exceeding the estimated distribution quantity of the second resource product as the freezing quantity.

[0059] It is worth mentioning that in this application, the sum of the resources of the first resource product whose redemption quantity is determined and the resources of the frozen resource product should not be less than the quantity of distributed resources, so as to be able to determine, from the redeemed resources and / or thawed resources, the target distributed resources with a quantity consistent with the quantity of distributed resources to meet the requirements of distributing the distributed resources. Thus, according to the requirement that the sum of the resources of the first resource product whose redemption quantity is determined and the resources of the frozen resource product is not less than the quantity of distributed resources, determine the value not exceeding the estimated distribution quantity of the first resource product as the redemption quantity and determine the value not exceeding the estimated distribution quantity of the second resource product as the freezing quantity.

[0060] In some embodiments, the foregoing resource distribution task further includes the distribution time of the distributed resources; the distribution time refers to the time when the distributed resources are distributed. Correspondingly, S120 includes: determining the redemption arrival time of the first resource product based on the redemption transaction time of the first resource product and the redemption arrival cycle; if the distribution time is earlier than the redemption arrival time, based on the quantity of the distributed resources, redeeming the first resource product held by the target object to obtain redeemed resources, and freezing the second resource product held by the target object to obtain frozen resources.

[0061] Generally speaking, the resource product held by an object can be redeemed at a specified time to obtain the resources equivalent to the value of the resource product and the benefits brought by the resource product, and this specified time is the redemption transaction time of the resource product.

[0062] In addition, when redeeming a resource product, the resources obtained by redeeming the resource product are not immediately returned to the object redeeming the resource product. Usually, a certain period of time needs to be waited: the period of time from the time when the resource product held by the redeeming object is redeemed to the time when the corresponding resources are returned to the object, and this period of time is used as the redemption arrival cycle of the resource product. In other words, the redemption arrival cycle of the first resource product is the period of time from the time when the target object redeems the first resource product held to the time when the redeemed resources are returned to the target object.

[0063] The sum of the redemption transaction time and the redemption arrival cycle of the first resource product can be calculated as the redemption arrival time of the first resource product.

[0064] As Figure 3 shown, if the redemption transaction time of the resource product is t1 and the redemption arrival cycle of the resource product is t2, then the redemption arrival time of the redeemed resources received by redeeming the resource product is t3 = t1 + t2.

[0065] If the distribution time is not earlier than the redemption arrival time, it means that the distributed resources need to be distributed after the redemption of the first resource product held by the target object. At this time, since the first resource product has been redeemed and the target object has sufficient resources, there is no need to determine the target distributed resources in the manner of this application, and the target distributed resources can be determined from the resources held by the target object. If the distribution time is earlier than the redemption arrival time, it means that the distributed resources need to be distributed before the redemption of the first resource product held by the target object. At this time, since the first resource product has not been redeemed and the target object may not have sufficient resources, the target distributed resources need to be determined in the manner of this application. At this time, the steps of "based on the quantity of the distributed resources, redeeming the first resource product held by the target object to obtain redeemed resources, and freezing the second resource product held by the target object to obtain frozen resources" are executed.

[0066] S130. In response to the completion of the redemption process, thaw the frozen resources to obtain thawed resources.

[0067] After the redemption process for the first resource product held by the target object is completed, the redemption resources obtained from the redemption process of the first resource product are obtained. At this time, the frozen resources frozen by the aforementioned freezing process (that is, the frozen part of the second resource product held by the target object) can be thawed to obtain thawed resources.

[0068] S140. Based on the difference between the quantity of the redemption resources and the quantity of the issued resources, determine the target issued resources from the redemption resources and / or the thawed resources.

[0069] Among them, the quantity of the target issued resources is consistent with the quantity of the issued resources.

[0070] In this application, it is possible to compare the quantity of the redemption resources and the quantity of the issued resources to determine whether the redemption resources can meet the requirements of the issued resources. Generally, if the quantity of the redemption resources is lower than the quantity of the issued resources, it means that the redemption resources are insufficient and do not meet the requirements of the issued resources. If the quantity of the redemption resources is not lower than the quantity of the issued resources, it means that the redemption resources are sufficient and meet the requirements of the issued resources.

[0071] When the redemption resources meet the requirements of the issued resources, the target issued resources can be determined from the redemption resources, that is, the target issued resources are determined from the redemption resources. When the redemption resources do not meet the requirements of the issued resources, it is necessary to supplement the redemption resources by thawing the resources or a part of them, so that the redemption resources meet the requirements of the issued resources, that is, the target issued resources are determined from the redemption resources and the thawed resources.

[0072] In some embodiments, the aforementioned S140 may include: if the quantity of the redemption resources is lower than the quantity of the issued resources, based on the difference between the quantity of the redemption resources and the quantity of the issued resources, conduct a redemption process on the thawed resources to obtain supplementary redemption resources; obtain the supplementary redemption resources and the redemption resources as the target issued resources.

[0073] That is to say, the quantity of the redemption resources is lower than the quantity of the issued resources, the redemption resources are insufficient and do not meet the requirements of the issued resources. It is necessary to conduct a redemption process on the thawed resources to obtain supplementary redemption resources by redeeming the thawed resources, and use the sum of the supplementary redemption resources and the redemption resources as the target issued resources.

[0074] Specifically, the difference between the quantity of the redemption resources and the quantity of the issued resources can be calculated as the resource difference, the ratio of the resource difference to the unit resource value of the second resource product can be calculated as the supplementary redemption quantity of the second resource product, and then the second resource product with the supplementary redemption quantity is redeemed from the frozen resources to obtain the supplementary redemption resources.

[0075] Generally, the resources valued by a resource product change over time. The parameter indicating the change in the resources of the resource product is the discount rate of the resource product value. The discount rate of the source product refers to the ratio of the resources obtained by redeeming a unit quantity of the resource product to the resources required to purchase a unit quantity of the resource product. For example, if the resources required to purchase a unit quantity of the resource product are 100 and the resources obtained by redeeming a unit quantity of the resource product are 90, then the discount rate of the resource product is 90 / 100 = 0.9.

[0076] In other words, during the process of the target object holding the second resource product, the resources of the second resource product value may change. Therefore, it is also necessary to consider the change in the resources of the second resource product value to determine how to redeem the second resource product in the frozen resources.

[0077] Thus, the process of determining the supplementary redemption resources described above may include: calculating the difference between the quantity of the redeemed resources and the quantity of the distributed resources as the resource difference, calculating the ratio of the resource difference to the unit resource value of the second resource product as the estimated supplementary redemption quantity of the second resource product, then calculating the ratio of the estimated supplementary redemption quantity to the real-time discount rate of the second resource product as the actual supplementary redemption quantity, and then redeeming the actual supplementary redemption quantity of the second resource product from the frozen resources to obtain the supplementary redemption resources. At this time, the supplementary redemption resources are actually the aforementioned resource difference. The real-time discount rate of the second resource product refers to the discount rate of the second resource product when redeeming the frozen resources.

[0078] In this application, when redeeming the second resource product, a quick redemption method can be adopted to immediately obtain the supplementary redemption resources when redeeming the second resource product. Quick redemption means that when redeeming a resource product, the resources obtained after redeeming the resource product are immediately obtained. Correspondingly, ordinary redemption means that when redeeming a resource product, after waiting for the redemption arrival period corresponding to the resource product, the resources obtained after redeeming the resource product are obtained.

[0079] In some embodiments, the aforementioned S140 may further include: if the quantity of the redeemed resources is not less than the quantity of the distributed resources, based on the quantity difference between the redeemed resources and the distributed resources, determining the excess redeemed resources from the redeemed resources; obtaining the part of the redeemed resources excluding the excess redeemed resources as the target distributed resources.

[0080] That is to say, the quantity of the redeemed resources is not less than the quantity of the distributed resources, the redeemed resources are sufficient to meet the requirements of distributing the distributed resources, and there is no need to redeem the thawed resources anymore. The target distributed resources are directly taken from the redeemed resources part. Specifically, the quantity difference between the redeemed resources and the distributed resources can be calculated as the excess redeemed resources.

[0081] However, when the quantity of the redeemed resources is not less than the quantity of the issued resources, the redeemed resources are sufficient and there are surplus redeemed resources. In order to make full use of the surplus redeemed resources, the surplus redeemed resources can be used to purchase new second resource products to increase the quantity of the second resource products held by the target object.

[0082] S150. Issue target issued resources to the target resource library.

[0083] After obtaining the target issued resources, the target issued resources can be issued to the target resource library. Since the quantity of the target issued resources is the same as that of the issued resources, the purpose of issuing the issued resources is realized.

[0084] After the target issued resources are issued to the target resource library, the target object can use the target issued resources in the target resource library for transactions.

[0085] In this embodiment, the first resource products held by the target object are redeemed based on the quantity of the issued resources to obtain redeemed resources, and the second resource products held by the target object are frozen based on the quantity of the issued resources. After obtaining the redeemed resources, the frozen resources are thawed to obtain thawed resources. Then, the target issued resources are determined from the redeemed resources and / or the thawed resources, and the determined target issued resources are issued to the target resource library. Thus, the resources valued by the first resource products and the second resource products held by the target object are utilized, the quantity of the resources in the target resource library is increased, and the quantity of the resources in the target resource library is relatively large. When the user uses the resources in the target resource library for transactions, not only can the products or services with relatively low resource value be purchased, but also the products or services with relatively high resource value can be purchased, greatly reducing the situation that the reduction of the resources in the target resource library leads to the inability to purchase the products or services with relatively high resource value, enabling the resources in the target resource library to meet the diverse transaction needs of the user and improving the transaction experience of the user.

[0086] In addition, when the quantity of the redeemed resources is not less than the quantity of the issued resources, the surplus redeemed resources in the redeemed resources can be used to purchase new second resource products, making full use of the surplus redeemed resources, improving the utilization rate of the resources of the target object, and bringing more benefits to the target object when the resources valued by the second resource products increase.

[0087] In some embodiments, as Figure 4 shown, the foregoing step S120 may include:

[0088] S210. Obtain the holding quantity of the first resource products and the holding quantity of the second resource products of the target object.

[0089] Among them, the holding quantity of the target object for the first resource product refers to the quantity of the first resource product held by the target object. Similarly, the holding quantity of the target object for the second resource product refers to the quantity of the second resource product held by the target object.

[0090] S220. Determine the estimated distribution quantity of the first resource product according to the quantity of the distributed resources and the unit resource value of the first resource product.

[0091] That is to say, according to the quantity of the distributed resources, the quantity of the first resource product that needs to be redeemed when the resources obtained by redeeming the first resource product can fully offset the distributed resources can be determined as the estimated distribution quantity of the first resource product.

[0092] In some embodiments, the ratio of the quantity of the distributed resources to the unit resource value of the first resource product can be calculated as the estimated distribution quantity of the first resource product. Among them, the unit resource value of the first resource product refers to the quantity of resources that a unit quantity of the first resource product is worth. For example, if the first resource product is a financial product, one share of the first resource product is worth 100 yuan, then the unit resource value of the first resource product is 100.

[0093] In still other embodiments, the product of the unit resource value of the first resource product and the target discount rate can also be calculated as the actual unit resource value of the first resource product, and the ratio of the quantity of the distributed resources to the actual unit resource value of the first resource product can be calculated as the estimated distribution quantity of the first resource product. Among them, the target discount rate can be the lowest discount rate of the product category to which the first resource product and the second resource product belong. The lowest discount rate of the product category refers to the lowest value of the discount rates that the resource products in this product category can have. For example, if the first resource product is a type A financial product and the lowest discount rate of type A financial products is 0.92, and the second resource product is a type B financial product and the lowest discount rate of type B financial products is 0.9, at this time, the target discount rate is 0.9.

[0094] Generally speaking, the process of the resources that the resource product is worth changing over time is difficult to predict. Therefore, the target discount rate can also be obtained, and the estimated distribution quantity of the first resource product can be determined according to the foregoing process based on the target discount rate, so that when the resources that the first resource product is worth fluctuate, the quantity of resources that the first resource product with the estimated distribution quantity is worth is still not less than the quantity of the distributed resources.

[0095] Of course, in order to redeem as few first resource products held by the target object as possible, the estimated distribution quantity of the first resource product can also be determined without considering the discount rate of the first resource product.

[0096] S230. Determine the estimated quantity of the second resource product to be issued based on the preset target discount rate, the unit resource value of the second resource product, and the quantity of the issued resources.

[0097] That is to say, according to the quantity of the issued resources, the quantity of the second resource product to be redeemed can be determined when the resources obtained from the redeemed second resource product are used to fully offset the issued resources, and this quantity is used as the estimated quantity of the second resource product to be issued.

[0098] In some embodiments, the product of the unit resource value of the second resource product and the target discount rate can be calculated as the actual unit resource value of the second resource product, and the ratio of the quantity of the issued resources to the actual unit resource value of the second resource product can be calculated as the estimated quantity of the second resource product to be issued.

[0099] As mentioned above, in order to redeem as few first resource products held by the target object as possible, the discount rate of the first resource product can be not considered when determining the estimated quantity of the first resource product to be issued. However, to achieve the same goal, the second resource products held by the target object need to be utilized as much as possible. Therefore, the discount rate of the second resource product needs to be considered to determine the estimated quantity of the second resource product to be issued, so that when the resources valued by the second resource product change, the resources valued by the second resource product with the estimated quantity to be issued are still not less than the quantity of the issued resources.

[0100] However, the process of the resources valued by the resource product changing over time is difficult to predict. Therefore, a target discount rate is determined to calculate the estimated quantity of the second resource product to be issued, so that when the value of the second resource product drops to the lowest, the resources valued by the second resource product with the estimated quantity to be issued are still not less than the quantity of the issued resources.

[0101] S240. Based on the comparison results between the estimated quantity of the first resource product to be issued and the held quantity, and the comparison results between the estimated quantity of the second resource product to be issued and the held quantity, determine the redemption quantity of the first resource product and the freezing quantity of the second resource product.

[0102] That is to say, after obtaining the estimated distribution quantity of the first resource product and the estimated distribution quantity of the second resource product, compare the estimated distribution quantity of the first resource product with the held quantity to determine whether the first resource product held by the target object meets the requirement of distributing resources. At the same time, compare the estimated distribution quantity of the second resource product with the held quantity to determine whether the second resource product held by the target object meets the requirement of distributing resources. Then, based on whether the first resource product held by the target object meets the requirement of distributing resources and whether the second resource product held by the target object meets the requirement of distributing resources, determine the redemption quantity of the first resource product and the freezing quantity of the second resource product.

[0103] In some embodiments, if the estimated distribution quantity of the first resource product is not higher than the held quantity, and the estimated distribution quantity of the second resource product is not higher than the held quantity, obtain the estimated distribution quantity of the first resource product as the redemption quantity of the first resource product, and determine the freezing quantity of the second resource product based on the estimated distribution quantity of the second resource product and the target discount rate.

[0104] When the estimated distribution quantity of the first resource product is not higher than the held quantity, and the estimated distribution quantity of the second resource product is not higher than the held quantity, it means that without considering the discount of the first resource product (that is, redeeming as few first resource products as possible), the quantity of resources of the first resource product held by the target object is not less than the quantity of distributed resources, and the quantity of resources of the second resource product held by the target object is also not less than the quantity of distributed resources (considering the discount of the second resource product). At this time, the estimated distribution quantity of the first resource product can be used as the redemption quantity of the first resource product.

[0105] As mentioned above, the resources of the first resource product change, resulting in a situation where the discount of the first resource product is less than 1. When redeeming the first resource product according to the estimated distribution quantity, the resources obtained may be less than the quantity of distributed resources, and it is impossible to complete the distribution of resources. Therefore, it is also necessary to freeze the second resource product held by the target object to supplement the resources by redeeming the frozen second resource product when the resources obtained by redeeming the first resource product according to the estimated distribution quantity are less than the quantity of distributed resources, so that the total resources obtained by redeeming the first resource product and the second resource product are not less than the quantity of distributed resources.

[0106] In this application, based on the estimated distribution quantity of the second resource product and the target discount rate, the frozen quantity of the second resource product can be determined. Specifically, it can be: calculating the product of the estimated distribution quantity of the second resource product and the target discount rate as the first quantity; calculating the difference between the estimated distribution quantity of the second resource product and the first quantity as the frozen quantity of the second resource product.

[0107] That is to say, the quantity of resources valued by the first resource product with the redemption quantity without considering the discount is consistent with the quantity of distributed resources. Therefore, when considering the discount, the discount rate of the first resource product may reach the target discount rate, and the resources obtained by redeeming the first resource product with the redemption quantity = target discount rate × distributed resources quantity. Thus, the resources supplemented by the second resource product = distributed resources quantity - target discount rate × distributed resources quantity = distributed resources quantity × (1 - target discount rate). Then, calculating the ratio of the resources supplemented by the second resource product to the actual unit resource value of the second resource product as the frozen quantity of the second resource product, that is, the frozen quantity of the second resource product = distributed resources quantity × (1 - target discount rate) / (unit resource value of the second resource product × target discount rate). However, the resources valued by the second resource product with the estimated distribution quantity are the distributed resources quantity, that is, distributed resources quantity = target discount rate × estimated distribution quantity of the second resource product × unit resource value of the second resource product. Substituting "distributed resources quantity = target discount rate × estimated distribution quantity of the second resource product × unit resource value of the second resource product" into "the frozen quantity of the second resource product = distributed resources quantity × (1 - target discount rate) / (unit resource value of the second resource product × target discount rate)", we get the frozen quantity of the second resource product = (target discount rate × estimated distribution quantity of the second resource product × unit resource value of the second resource product) × (1 - target discount rate) / (unit resource value of the second resource product × target discount rate) = estimated distribution quantity of the second resource product × (1 - target discount rate) = estimated distribution quantity of the second resource product - estimated distribution quantity of the second resource product × target discount rate. Thus, the means to determine the frozen quantity of the second resource product is "calculating the product of the estimated distribution quantity of the second resource product and the target discount rate as the first quantity; calculating the difference between the estimated distribution quantity of the second resource product and the first quantity as the frozen quantity of the second resource product".

[0108] In some other embodiments, if the estimated distribution quantity of the first resource product is not higher than the held quantity, and the estimated distribution quantity of the second resource product is higher than the held quantity, obtain the held quantity of the second resource product as the frozen quantity of the second resource product, and determine the redemption quantity of the first resource product based on the distributed resources quantity, the second resource product with the frozen quantity, the target discount rate, and the unit resource value of the first resource product.

[0109] When the estimated quantity of the first resource product to be distributed is not higher than the held quantity, and the estimated quantity of the second resource product to be distributed is higher than the held quantity, it means that without considering the discount of the first resource product (that is, redeeming the first resource product as little as possible), the quantity of resources in the value of the first resource product held by the target object is not lower than the quantity of distributed resources, and the quantity of resources in the value of the second resource product held by the target object is lower than the quantity of distributed resources (considering the discount of the second resource product). At this time, all the second resource products held by the target object can be frozen, that is, determine the held quantity of the second resource product by the target object as the frozen quantity. Thus, by freezing as many second resource products as possible and redeeming the first resource product as little as possible.

[0110] After that, based on the second resource product with the frozen quantity, determine the redemption quantity of the first resource product to be redeemed, so that the total quantity of resources in the value of the first resource product with the redemption quantity and the second resource product with the frozen quantity is not lower than the quantity of distributed resources.

[0111] The determination of the frozen quantity of the second resource product based on the held quantity of the first resource product, the unit resource value of the first resource product, the minimum discount rate, and the quantity of distributed resources specifically may include: based on the second resource product with the frozen quantity and the unit resource value of the second resource product, determine the quantity of frozen resources; based on the difference between the quantity of distributed resources and the quantity of frozen resources, the target discount rate, and the unit resource value of the first resource product, determine the redemption quantity of the first resource product.

[0112] Since there is a discount during the existence of the resource product, the quantity of frozen resources obtained from the second resource product with the frozen quantity = the frozen quantity of the second resource product × the unit resource value of the second resource product × the target discount rate. At this time, if you want to obtain resources not lower than the quantity of distributed resources, you need to supplement and redeem the first resource product so that the total quantity of resources of the frozen second resource product and the redeemed first resource product is not lower than the quantity of distributed resources. At this time, you can calculate the difference between the quantity of distributed resources and the quantity of frozen resources as the resources to be supplemented. However, there is also a discount for the first resource product. At this time, the actual unit resource value of the first resource product = the target discount rate × the unit resource value of the first resource product. You can divide the resources to be supplemented by the actual unit resource value of the first resource product to obtain the quantity of the first resource product to be redeemed - the redemption quantity of the first resource product.

[0113] In another embodiment, if the estimated quantity of the first resource product to be distributed is higher than the held quantity, obtain the held quantity of the first resource product as the redemption quantity of the first resource product, and determine the frozen quantity of the second resource product based on the held quantity of the first resource product, the unit resource value of the first resource product, the target discount rate, and the quantity of the distributed resources.

[0114] When the estimated quantity of the first resource product to be distributed is higher than the held quantity, it means that without considering the discount of the first resource product (that is, minimizing the redemption of the first resource product), the quantity of resources of the value of the first resource product held by the target object is lower than the quantity of the distributed resources. At this time, all the first resource products held by the target object can be redeemed, that is, take the held quantity of the first resource product by the target object as the redemption quantity of the first resource product. Then, based on the held quantity of the first resource product, the unit resource value of the first resource product, the target discount rate, and the quantity of the distributed resources, the frozen quantity of the second resource product can be determined so that the total quantity of resources of the redeemed first resource product and the frozen second resource product is not lower than the quantity of the distributed resources.

[0115] In this application, the actual value resource quantity of the first resource product can be determined based on the held quantity and unit resource value of the first resource product and the target discount rate; the frozen quantity of the second resource product can be determined based on the difference between the quantity of the distributed resources and the actual value resource quantity. Among them, the actual value resource quantity refers to the quantity of resources obtained by redeeming all the first resource products held by the target object.

[0116] Since there is a discount during the existence of the resource product, the actual value resource quantity obtained by redeeming all the first resource products held by the target object = the held quantity of the first resource product × the unit resource value of the first resource product × the target discount rate. Therefore, the quantity of resources to be supplemented = the difference between the quantity of the distributed resources and the actual value resource quantity, and then determine the quantity of the second resource product to be supplemented as the frozen quantity. The frozen quantity = (the quantity of the distributed resources - the actual value resource quantity) / (the unit resource value of the second resource product × the target discount rate).

[0117] S250. Perform a redemption process on the first resource product held by the target object based on the redemption quantity to obtain redeemed resources; perform a freezing process on the second resource product held by the target object based on the frozen quantity to obtain frozen resources.

[0118] After determining the redemption quantity and the freezing quantity, the redemption process can be carried out on the first resource product held by the target object based on the redemption quantity to obtain the redeemed resources: the redeemed resources are obtained from the first resource product of the redemption quantity, and the freezing process is carried out on the second resource product held by the target object based on the freezing quantity to obtain the frozen resources: the frozen resources are obtained from the second resource product of the freezing quantity.

[0119] Based on the foregoing, the first resource product is the main product used for distributing the distributed resources: only when the redeemed resources obtained from the redeemed first resource product are insufficient, will the second resource product be selected for redemption to obtain the target distributed resources. Therefore, the first resource product and the second resource product can be flexibly configured according to the needs to redeem as many resource products with lower yields as possible (that is, using the resource product with lower yield as the first resource product) and hold the resource products with higher yields (that is, using the resource product with higher yield as the second resource product).

[0120] In this embodiment, for the holding quantity of the first resource product and the holding quantity of the second resource product held by the target object, the freezing quantity and the redemption quantity are determined, so that the determined freezing quantity and redemption quantity are in line with the holding quantity of the first resource product and the holding quantity of the second resource product held by the target object, and the determined freezing quantity and redemption quantity are more accurate, reducing the situation where the sum of the resources of the second resource product of the freezing quantity and the first resource product of the redemption quantity is less than the quantity of the distributed resources, ensuring that the target resource library has enough resources, enabling the resources in the target resource library to meet the diverse trading needs of users, and improving the trading experience of users.

[0121] Furthermore, in this application, the discount rate of the resource product is also considered to determine the freezing quantity and the redemption quantity, thereby reducing the situation where when the resources of the first resource product and the second resource product fluctuate in value, the determined freezing quantity and redemption quantity are inaccurate due to the non - consideration of the discount rate, resulting in the sum of the resources of the second resource product of the freezing quantity and the first resource product of the redemption quantity being less than the quantity of the distributed resources, further ensuring that the target resource library has enough resources, and thus being more capable of meeting the diverse trading needs of users.

[0122] Please refer to Figure 5 , Figure 5 which shows a flowchart of a resource processing method proposed in another embodiment of this application. This method is applied to an electronic device, and the electronic device can be Figure 1 the terminal 110 in

[0123] S310. In response to an information input operation of a target object on a configuration interface, create a resource processing request based on the quantity of resources to be distributed, the target product identifier, and the target resource library identifier input through the information input operation.

[0124] Among them, in response to an information input operation of a target object on a configuration interface, create a resource processing request based on the quantity of resources to be distributed, the target product identifier, and the target resource library identifier input through the information input operation.

[0125] The configuration interface may include information input boxes, and the number of information input boxes may be one or more. When there is one information input box, the quantity of resources to be distributed, the target product identifier, and the target resource library identifier can be input into the information input box through the information input operation. Then, the terminal creates a resource processing request based on the input quantity of resources to be distributed, the target product identifier, and the target resource library identifier. When there are multiple information input boxes, the information input boxes may include an input box corresponding to the quantity of resources to be distributed, an input box corresponding to the target product identifier, and an input box corresponding to the target resource library identifier. The corresponding information is input into different input boxes through the information input operation to obtain the quantity of resources to be distributed, the target product identifier, and the target resource library identifier.

[0126] For example, as Figure 6 shown, the configuration interface 50 includes an input box 51 corresponding to the quantity of resources to be distributed, an input box 52 corresponding to the product identifier of the first resource product, an input box 53 corresponding to the product identifier of the second resource product, and an input box 54 corresponding to the target resource library identifier. Accordingly, the information input operation may include inputting the quantity of resources to be distributed into the input box 51, inputting the product identifier of the first resource product into the input box 52, inputting the product identifier of the first resource product into the input box 53, and inputting the target resource library identifier into the input box 54.

[0127] In Figure 6 , the amount of funds withdrawn is the quantity of resources to be distributed in the foregoing embodiment, and the amount of funds withdrawn is 5,000 yuan. The main product is the first resource product in the foregoing embodiment, and the product identifier of the main product is Fund c1, indicating that the main product is a fund named c1. The fallback product is the second resource product in the foregoing embodiment, and the product identifier of the fallback product is Fund c2, indicating that the fallback product is a fund named c2. The card number for fund withdrawal is the target resource library identifier, and the card number for fund withdrawal is 1234567, indicating that the bank card with the card number 1234567 is the card for fund withdrawal (i.e., the target resource library in the foregoing embodiment).

[0128] S320. Send the resource processing request to the server so that the server creates a resource distribution task based on the resource processing request.

[0129] After creating a resource processing request, the resource processing request can be sent to the server, and the server creates a resource distribution task based on the quantity of the distributed resources, the target product identifier, and the target resource library identifier in the resource processing request.

[0130] Of course, as can be seen from the foregoing embodiments, the resource distribution task may further include a resource distribution time. Correspondingly, the information input operation may further input the resource distribution time. In the case where there are multiple information input boxes, the information input box may further include an input box for inputting the resource distribution time. For example, Figure 6 As shown, the configuration interface 50 further includes an input box 55 for inputting the resource distribution time. In Figure 6 , the distribution time of the distributed resources is the 1st of each month.

[0131] As Figure 6 can be seen, the resource distribution task is the 1st of each month. Therefore, when receiving a resource distribution request from the terminal, if the resource distribution time configured in the resource distribution request is a periodic time, it is necessary to create a periodically executed resource distribution task according to the periodic resource distribution time configured in the resource distribution request, so that the server periodically distributes the resources.

[0132] Optionally, the information input operation may also input the use of the distributed resources, so as to record the usage of the distributed resources through the use of the distributed resources. Correspondingly, the information input operation may further input the use of the distributed resources. In the case where there are multiple information input boxes, the information input box may further include an input box for inputting the use of the distributed resources. For example, Figure 6 As shown, the configuration interface 50 further includes an input box 55 for inputting the use of the distributed resources. In Figure 6 , the use of the distributed resources is to pay the mortgage.

[0133] In this embodiment, the quantity of the distributed resources, the target product identifier, and the target resource library identifier can be obtained through the configuration interface of the terminal, and further a resource distribution request is created through the quantity of the distributed resources, the target product identifier, and the target resource library identifier. The server creates a resource distribution task based on the received resource distribution request, achieving the goal of remotely creating a resource distribution task and improving the creation efficiency and convenience of the resource distribution task.

[0134] To more clearly explain the technical solution of this application, the resource processing method of this application will be explained below with an example.

[0135] First, as Figure 7 shown, the process of creating a gold distribution task is as follows:

[0136] 1. Configure the withdrawal plan. That is, obtain the withdrawal amount (the quantity of the distributed resources in the foregoing embodiments), the product identifier of the main product (the first resource product in the foregoing embodiments), the product identifier of the fallback product (the second resource product in the foregoing embodiments), and the withdrawal bank card number (the target resource library identifier of the target resource library in the foregoing embodiments) entered by the user through the configuration interface of the terminal. Among them, the income of the main product can be lower than that of the fallback product.

[0137] 2. Send a withdrawal request to the server. That is, the terminal creates a withdrawal request (the resource distribution request in the foregoing embodiments) based on the withdrawal amount, the product identifier of the main product, the product identifier of the fallback product, and the withdrawal bank card number.

[0138] 3. Create a withdrawal task. The server creates a withdrawal task based on the withdrawal request (that is, the resource distribution task in the foregoing embodiments).

[0139] 4. Return a creation success prompt message. The server returns a creation success prompt message to the terminal so that the user can determine that the withdrawal task has been created through the creation success prompt message.

[0140] After that, redeem the main product and freeze the fallback product as Figure 8 shown.

[0141] 5. Based on the withdrawal task, determine the redemption arrival time of the main product. That is, calculate the sum of the redemption transaction time of the product and the redemption arrival cycle to obtain the redemption arrival time of the main product.

[0142] 6. If the distribution time is not earlier than the redemption arrival time of the main product, directly exit. The distribution time not being earlier than the redemption arrival time of the main product means that after the main product is redeemed to obtain resources, the distributed resources will be distributed, and at this time, the resources obtained by redeeming the main product can be used for the distribution of the distributed resources, so the subsequent steps do not need to be executed.

[0143] 7. If the distribution time is not earlier than the redemption arrival time of the main product, based on the withdrawal task, determine the redemption quantity of the main product and the freeze quantity of the fallback product. Among them, this process specifically includes:

[0144] a) Obtain the withdrawal amount target_money;

[0145] c) The estimated distribution quantity share1 of the main product without considering the discount rate = target_money / the net value of the main product on T day;

[0146] d) The estimated distribution quantity share2 of the fallback product considering the discount rate = target_money / the net value of the fallback product on T day / the target discount rate;

[0147] e) If the holding quantity share0 of the main product is greater than share1 and the holding quantity of the fallback product is greater than share2, then the redemption quantity of the main product = share1, and the frozen quantity of the fallback product = target_money * (1 - target discount rate) / net value of the fallback product on T day / target discount rate.

[0148] f) If the holding quantity share0 of the main product is greater than Share1 and the holding quantity of the fallback product is not greater than share2, then the frozen quantity of the fallback product = the holding quantity of the fallback product, and the redemption quantity of the main product = (target_money - frozen quantity of the fallback product * net value of the product on T day * target discount rate) / net value of the main product on T day / target discount rate

[0149] g) If the holding quantity share0 of the main product is greater than Share1, then the redemption quantity of the main product = share0, and the frozen quantity of the fallback product = (target_money - share0 * net value of the main product on T day * target discount rate) / net value of the fallback product on T day / target discount rate.

[0150] 8. Redeem the main product based on the redemption quantity.

[0151] 9. Freeze the fallback product based on the frozen quantity.

[0152] After that, the order for subscribing to the main product and the order for redeeming the main product can be sent to the provider of the main product for settlement by the provider.

[0153] After that, the process of withdrawing funds is as Figure 9 shown, specifically including:

[0154] 10. Receive the settlement information returned by the provider of the main product.

[0155] 11. Confirm the redemption amount obtained from the redeemed main product (i.e., the redemption resources in the foregoing embodiments).

[0156] 12. Record the redemption amount.

[0157] 13. Determine the amount difference between the withdrawal amount and the redemption amount.

[0158] 14. Process the frozen resources based on the amount difference to issue the target issued resources. Among them, this process specifically includes:

[0159] a) If the withdrawal amount is not greater than the redemption amount, obtain the withdrawal amount from the redemption amount, and send the withdrawal amount to the bank card corresponding to the withdrawal card number to complete the withdrawal. At this time, the surplus amount M1 = redemption amount - withdrawal amount, and use the surplus amount M1 to purchase the bottom - holding product, record the purchase order, and unfreeze the frozen shares of the bottom - holding product for withdrawal;

[0160] b) If the withdrawal amount is greater than the redemption amount, the insufficient amount M1 = withdrawal amount - redemption amount, and unfreeze the frozen bottom - holding products. Redeem the bottom - holding products with a value less than the insufficient amount M1 from the unfrozen bottom - holding products, obtain the sum of the insufficient amount M1 and the redemption amount as the withdrawal amount, and send the withdrawal amount to the bank card corresponding to the withdrawal card number to complete the withdrawal.

[0161] Thus, based on the difference between the redemption amount obtained from redeeming the main product and the withdrawal amount, it is determined whether to continue using the frozen bottom - holding products for withdrawal, so as to make full use of the redemption amount obtained from redeeming the main product, expand the resource products required for withdrawal, use as few bottom - holding resources with higher returns as possible, improve the user's capital utilization rate, and better meet the user's financial management needs and risk tolerance.

[0162] Please refer to Figure 10 , Figure 10 which shows a block diagram of a resource processing device proposed in an embodiment of the present application. The device 1000 includes:

[0163] An acquisition module 1010, configured to acquire a resource distribution task; the resource distribution task includes the quantity of distribution resources that a target object needs to distribute, a target product identifier, and a target resource library identifier; the target product identifier is used to indicate the first resource product and the second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library;

[0164] A resource processing module 1020, configured to perform a redemption process on the first resource product held by the target object based on the quantity of distribution resources to obtain redemption resources, and perform a freezing process on the second resource product held by the target object to obtain frozen resources;

[0165] A thawing module 1030, configured to perform a thawing process on the frozen resources to obtain thawed resources in response to the completion of the redemption process;

[0166] A determination module 1040, configured to determine target distribution resources from the redemption resources and / or the thawed resources based on the difference between the redemption resources and the quantity of distribution resources; the target distribution resources are consistent with the quantity of distribution resources;

[0167] A distribution module 1050, configured to distribute the target distribution resources to the target resource library.

[0168] Optionally, the determination module is further configured to, if the quantity of redeemed resources is lower than the quantity of distributed resources, perform a redemption process on the unfrozen resources based on the difference between the quantity of redeemed resources and the quantity of distributed resources to obtain supplementary redeemed resources; obtain the supplementary redeemed resources and the redeemed resources as the target distributed resources.

[0169] Optionally, the determination module is further configured to, if the quantity of redeemed resources is not lower than the quantity of distributed resources, determine the excess redeemed resources from the redeemed resources based on the difference between the quantity of redeemed resources and the quantity of distributed resources; obtain the part of the redeemed resources excluding the excess redeemed resources as the target distributed resources.

[0170] Optionally, the determination module is further configured to purchase a new second resource product according to the excess redeemed resources.

[0171] Optionally, the resource processing module is further configured to obtain the holding quantity of the target object for the first resource product and the holding quantity for the second resource product; determine the estimated distribution quantity of the first resource product according to the quantity of distributed resources and the unit resource value of the first resource product; determine the estimated distribution quantity of the second resource product according to the preset target discount rate, the unit resource value of the second resource product, and the quantity of distributed resources; determine the redemption quantity of the first resource product and the freeze quantity of the second resource product based on the comparison result between the estimated distribution quantity and the holding quantity of the first resource product, and the comparison result between the estimated distribution quantity and the holding quantity of the second resource product; perform a redemption process on the first resource product held by the target object based on the redemption quantity to obtain redeemed resources; perform a freeze process on the second resource product held by the target object based on the freeze quantity to obtain frozen resources.

[0172] Optionally, the resource processing module is further configured to, if the estimated distribution quantity of the first resource product is not higher than the holding quantity and the estimated distribution quantity of the second resource product is not higher than the holding quantity, obtain the estimated distribution quantity of the first resource product as the redemption quantity of the first resource product, and determine the freeze quantity of the second resource product based on the estimated distribution quantity of the second resource product and the target discount rate.

[0173] Optionally, the resource processing module is further configured to calculate the product of the estimated distribution quantity of the second resource product and the target discount rate as the first quantity; calculate the difference between the estimated distribution quantity of the second resource product and the first quantity as the freeze quantity of the second resource product.

[0174] Optionally, the resource processing module is further configured to, if the estimated quantity of the first resource product to be distributed is not higher than the held quantity and the estimated quantity of the second resource product to be distributed is higher than the held quantity, obtain the held quantity of the second resource product as the frozen quantity of the second resource product, and determine the redemption quantity of the first resource product based on the quantity of the distributed resources, the second resource product with the frozen quantity, the target discount rate, and the unit resource value of the first resource product.

[0175] Optionally, the resource processing module is further configured to determine the quantity of the frozen resources based on the second resource product with the frozen quantity and the unit resource value of the second resource product; and determine the redemption quantity of the first resource product based on the difference between the quantity of the distributed resources and the quantity of the frozen resources, the target discount rate, and the unit resource value of the first resource product.

[0176] Optionally, the resource processing module is further configured to, if the estimated quantity of the first resource product to be distributed is higher than the held quantity, obtain the held quantity of the first resource product as the redemption quantity of the first resource product, and determine the frozen quantity of the second resource product based on the held quantity of the first resource product, the unit resource value of the first resource product, the target discount rate, and the quantity of the distributed resources.

[0177] Optionally, the resource processing module is further configured to determine the actual value resource quantity of the first resource product based on the held quantity and the unit resource value of the first resource product, and the target discount rate; and determine the frozen quantity of the second resource product based on the difference between the quantity of the distributed resources and the actual value resource quantity.

[0178] Optionally, the resource distribution task further includes the distribution time of the distributed resources; the resource processing module is further configured to determine the redemption arrival time of the first resource product based on the redemption transaction time and the redemption arrival cycle of the first resource product; if the distribution time is earlier than the redemption arrival time, redeem the first resource product held by the target object based on the quantity of the distributed resources to obtain the redeemed resources, and freeze the second resource product held by the target object to obtain the frozen resources.

[0179] Please refer to Figure 11 , Figure 11 which shows a block diagram of a resource processing device proposed in an embodiment of the present application. The device 1100 includes:

[0180] A response module 1110, configured to create a resource processing request based on the quantity of the distributed resources, the target product identifier, and the target resource library identifier input by the information input operation in response to the information input operation of the target object on the configuration interface; the target product identifier is used to indicate the first resource product and the second resource product held by the target object, and the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library held by the target object;

[0181] A sending module 1120, configured to send a resource processing request to a server, so that the server creates a resource distribution task based on the resource processing request.

[0182] It should be noted that the device embodiments in this application correspond to the foregoing method embodiments. For the specific principles in the device embodiments, reference may be made to the content in the foregoing method embodiments, which will not be elaborated herein.

[0183] Figure 12 The structural block diagram of an electronic device for executing the resource processing method according to an embodiment of the present application is shown. The electronic device may be Figure 1 the terminal 110 or the server 120, etc. It should be noted that Figure 12 the computer system 1200 of the electronic device shown is only an example, and should not impose any limitations on the functions and usage scope of the embodiments of the present application.

[0184] Such as Figure 12 shown, the computer system 1200 includes a central processing unit (CPU) 1201, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1202 or the program loaded from the storage section 1208 into the random access memory (RAM) 1203, such as executing the method in the foregoing embodiments. In the RAM 1203, various programs and data required for system operation are also stored. The CPU 1201, ROM 1202, and RAM 1203 are connected to each other through a bus 1204. The input / output (I / O) interface 1205 is also connected to the bus 1204.

[0185] The following components are connected to the I / O interface 1205: an input section 1206 including a keyboard, a mouse, etc.; an output section 1207 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage section 1208 including a hard disk, etc.; and a communication section 1209 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1209 performs communication processing via a network such as the Internet. A drive 1210 is also connected to the I / O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1210 as needed so that a computer program read therefrom can be installed into the storage section 1208 as needed.

[0186] Specifically, according to an embodiment of the present application, the processes described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product that includes a computer program carried on a computer-readable medium, and the computer program includes program codes for performing the methods shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 1209, and / or installed from the removable medium 1211. When the computer program is executed by a central processing unit (CPU) 1201, various functions defined in the system of the present application are executed.

[0187] It should be noted that the computer-readable medium shown in the embodiments of the present application can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of a computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present application, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, in which computer-readable program code is carried. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device. The program code contained on a computer-readable medium can be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0188] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. Among them, each block in the flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks may occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown may actually be executed substantially in parallel, and they may sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, as well as the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0189] The units involved in the embodiments described in this application can be implemented in software or in hardware, and the described units can also be provided in a processor. Among them, the names of these units do not, in some cases, constitute a limitation on the units themselves.

[0190] As another aspect, this application also provides a computer-readable storage medium, which may be included in the electronic device described in the above embodiments; or it may exist separately without being assembled into the electronic device. The above computer-readable storage medium carries computer-readable instructions, and when the computer-readable storage instructions are executed by a processor, the methods in any of the above embodiments are implemented.

[0191] According to one aspect of the embodiments of this application, there is provided a computer program product, which includes computer instructions stored in a computer-readable storage medium. The processor of the electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, causing the electronic device to execute the methods in any of the above embodiments.

[0192] In the embodiments of this application, the term "module" or "unit" refers to a computer program product or a part of a computer program product with a predetermined function, which works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as a processing circuit or a memory), or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be a whole module or a part of the unit with the function of the module or unit.

[0193] It should be noted that although several modules or units of the devices for action execution are mentioned in the above detailed description, such a division is not mandatory. In fact, according to the embodiments of this application, the features and functions of the two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided and embodied by multiple modules or units.

[0194] From the description of the above embodiments, those skilled in the art can easily understand that the example embodiments described herein can be implemented by software or by a combination of software and necessary hardware. Therefore, the technical solutions according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (such as a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, including several instructions to enable an electronic device (such as a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present application.

[0195] After considering the specification and practicing the disclosed embodiments herein, those skilled in the art will readily conceive of other embodiments of the present application. The present application is intended to cover any variations, uses, or adaptations of the present application, which follow the general principles of the present application and include known common knowledge or conventional technical means in the technical field not disclosed in the present application. It should be understood that the present application is not limited to the exact structures described above and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present application is only limited by the appended claims.

[0196] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application and are not intended to limit them. Although the present application has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that they can still modify the technical solutions described in the foregoing embodiments or equivalently replace some of the technical features. These modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

1. A resource processing method, characterized in that: Applied to the server, the method includes: Obtain a resource distribution task; the resource distribution task includes the quantity of distribution resources that the target object needs to distribute, a target product identifier, and a target resource library identifier; the target product identifier is used to indicate a first resource product and a second resource product held by the target object, the first resource product is different from the second resource product; the target resource library identifier is used to indicate the target resource library; Based on the quantity of the issued resources, redeem the first resource product held by the target object to obtain redemption resources, and freeze the second resource product held by the target object to obtain frozen resources; In response to the redemption process being completed, unfreezing the frozen resource to obtain an unfrozen resource; Based on the difference between the quantity of the redeemed resources and the quantity of the issued resources, determining target issued resources from the redeemed resources and / or the unfrozen resources; the quantity of the target issued resources is consistent with the quantity of the issued resources; The target resource is delivered to the target resource library.

2. The method according to claim 1, characterized in that The determining, based on the difference between the quantity of the redeemed resources and the quantity of the issued resources, from the redeemed resources and / or the unfrozen resources, a target issued resource comprises: If the number of the redeemed resources is lower than the number of the issued resources, based on the difference between the number of the redeemed resources and the number of the issued resources, redeem the unfrozen resources to obtain supplementary redeemed resources; The supplementary redemption resource and the redemption resource are obtained as the target delivery resource.

3. The method according to claim 1, characterized in that The determining, based on the difference between the quantity of the redeemed resources and the quantity of the issued resources, from the redeemed resources and / or the unfrozen resources, a target issued resource comprises: If the quantity of the redeemed resources is not less than the quantity of the issued resources, determining excess redeemed resources from the redeemed resources based on the difference in quantity between the redeemed resources and the issued resources; A portion of the redeemed resources excluding the redundant redeemed resources is obtained as the target delivered resource.

4. The method according to claim 3, characterized in that The method further comprises: A new second resource product is purchased based on the excess redemption resource.

5. The method according to claim 1, characterized in that The method of redeeming the first resource product held by the target object to obtain the redeemed resource based on the number of resources to be issued to the target object, and freezing the second resource product held by the target object to obtain the frozen resource, includes: Acquire the number of the first resource product and the number of the second resource product held by the target object; Determine an estimated delivery quantity of the first resource product according to the quantity of the delivered resources and the unit resource value of the unit resource value of the first resource product; Determine the estimated delivery quantity of the second resource product according to the preset target discount rate, the unit resource value of the second resource product, and the quantity of the delivered resources; Determine the redemption quantity of the first resource product and the frozen quantity of the second resource product based on the comparison result between the estimated issued quantity and the held quantity of the first resource product and the comparison result between the estimated issued quantity and the held quantity of the second resource product; performing redemption processing on the first resource product held by the target object based on the redemption quantity to obtain a redemption resource; The second resource product held by the target object is frozen based on the frozen quantity to obtain a frozen resource.

6. The method according to claim 5, characterized in that The determining the redemption quantity of the first resource product and the frozen quantity of the second resource product based on the comparison result between the estimated issued quantity and the held quantity of the first resource product and the comparison result between the estimated issued quantity and the held quantity of the second resource product includes: If the estimated issuance quantity of the first resource product is not higher than the holding quantity, and the estimated issuance quantity of the second resource product is not higher than the holding quantity, the estimated issuance quantity of the first resource product is obtained as the redemption quantity of the first resource product, and based on the estimated issuance quantity of the second resource product and the target discount rate, the frozen quantity of the second resource product is determined.

7. The method according to claim 6, characterized in that The step of determining the frozen quantity of the second resource product based on a preset target discount rate includes: Calculate the product of the estimated delivery quantity of the second resource product and the target discount rate as the first quantity; The difference between the estimated issued quantity of the second resource product and the first quantity is calculated as the frozen quantity of the second resource product.

8. The method according to claim 5, characterized in that The determining the redemption quantity of the first resource product and the frozen quantity of the second resource product based on the comparison result between the estimated issued quantity and the held quantity of the first resource product and the comparison result between the estimated issued quantity and the held quantity of the second resource product includes: If the estimated issuance quantity of the first resource product is not higher than the holding quantity, and the estimated issuance quantity of the second resource product is higher than the holding quantity, obtain the holding quantity of the second resource product as the frozen quantity of the second resource product, and determine the redemption quantity of the first resource product based on the quantity of the issued resources, the frozen quantity of the second resource product, the target discount rate and the unit resource value of the first resource product.

9. The method according to claim 8, characterized in that The determining the redemption quantity of the first resource product based on the quantity of the issued resources, the frozen quantity of the second resource product, the target discount rate, and the unit resource value of the first resource product includes: Determining the quantity of frozen resources based on the frozen quantity of the second resource product and the unit resource value of the second resource product; The redemption quantity of the first resource product is determined based on the difference between the quantity of the issued resources and the quantity of the frozen resources, the target discount rate, and the unit resource value of the first resource product.

10. The method according to claim 5, characterized in that The determining the redemption quantity of the first resource product and the frozen quantity of the second resource product based on the comparison result between the estimated issued quantity and the held quantity of the first resource product and the comparison result between the estimated issued quantity and the held quantity of the second resource product includes: If the estimated issuance quantity of the first resource product is higher than the holding quantity, the holding quantity of the first resource product is obtained as the redemption quantity of the first resource product, and the frozen quantity of the second resource product is determined based on the holding quantity of the first resource product, the unit resource value of the first resource product, the target discount rate and the quantity of the issued resources.

11. The method according to claim 10, characterized in that The determining the frozen quantity of the second resource product based on the holding quantity of the first resource product, the unit resource value of the first resource product, the target discount rate, and the quantity of the issued resources includes: Determine the actual value resource quantity of the first resource product based on the holding quantity and unit resource value of the first resource product and the target discount rate; Based on the difference between the quantity of the issued resources and the quantity of the actual value resources, a frozen quantity of the second resource product is determined.

12. The method according to any one of claims 1 to 11, characterized in that The resource delivery task also includes the delivery time of the delivered resources; The redeeming the first resource product held by the target object based on the quantity of the issued resources to obtain the redeemed resources, and freezing the second resource product held by the target object to obtain the frozen resources, includes: Determine the redemption settlement time of the first resource product based on the redemption transaction time and the redemption settlement cycle of the first resource product; If the issuance time is earlier than the redemption payment time, based on the quantity of the issued resources, the first resource product held by the target object is redeemed to obtain redeemed resources, and the second resource product held by the target object is frozen to obtain frozen resources.

13. A resource processing method, characterized in that: Applied to a terminal, the method comprises: In response to the target object's information input operation in the configuration interface, a resource processing request is created based on the number of resources to be issued, the target product identifier, and the target resource library identifier input in the information input operation; the target product identifier is used to indicate a first resource product and a second resource product held by the target object, the first resource product being different from the second resource product; the target resource library identifier is used to indicate a target resource library held by the target object; The resource processing request is sent to the server, so that the server creates a resource delivery task based on the resource processing request.

14. An electronic device, characterized in that: include: processor; A memory having computer-readable instructions stored thereon, wherein when the computer-readable instructions are executed by the processor, the method according to any one of claims 1 to 12 is implemented, or the method according to claim 13 is implemented.

15. A computer-readable storage medium, characterized in that: Computer-readable instructions are stored thereon, and when the computer-readable instructions are executed by a processor, the method according to any one of claims 1 to 12 is implemented, or the method according to claim 13 is implemented.

16. A computer program product, characterized in that The method comprises computer instructions, which, when executed by a processor, implement the method according to any one of claims 1 to 12, or implement the method according to claim 13.

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