Virtual resource product processing method, device and equipment, computer readable storage medium and computer program product

Abstract

The invention provides a virtual resource product processing method and device, electronic equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: in response to a transaction triggering operation for a main transaction platform, displaying a platform switching entrance under the condition that the main transaction platform does not respond; in response to a platform switching operation triggered based on the platform switching entrance, switching to a standby transaction platform, and displaying a transaction control in a transaction page of the standby transaction platform; in response to an ordering operation triggered based on the transaction control, determining a transaction order for the target virtual resource product; and in response to meeting the order synchronization condition, synchronizing the transaction order to the main transaction platform, and performing transaction registration on the transaction order through the main transaction platform so as to perform substantial transaction on the target virtual resource product based on the order placing time of the transaction order. According to the invention, the transaction opportunity of the virtual resource product can be ensured.

Description

Technical Field

[0001] This application relates to the field of information processing technologies, and in particular, to a method, apparatus, device, storage medium, and program product for processing virtual resource products. Background Art

[0002] The trading of virtual resource products (such as fund financial products) is a time-sensitive transaction. Especially for trading orders around 15:00, they may fall on different trading dates, which may cause the trading time not to meet the user's expected date. Especially in the case of a malfunction on the trading platform, most of the existing technologies announce and notify users that trading is temporarily unavailable, causing users to miss trading opportunities. Therefore, how to ensure that users can complete transactions within the expected time is crucial. Summary of the Invention

[0003] Embodiments of this application provide a method, apparatus, electronic device, computer-readable storage medium, and computer program product for processing virtual resource products, which can ensure the trading opportunity of virtual resource products.

[0004] The technical solution of the embodiments of this application is implemented as follows:

[0005] Embodiments of this application provide a method for processing virtual resource products, including:

[0006] In response to a trading trigger operation for the main trading platform, when the main trading platform does not respond, display a platform switching entry, where the platform switching entry is used to switch to a backup trading platform for trading virtual resource products;

[0007] In response to a platform switching operation triggered based on the platform switching entry, switch to the backup trading platform, and display trading controls on the trading page of the backup trading platform;

[0008] In response to an order placement operation triggered based on the trading controls, determine a trading order for the target virtual resource product;

[0009] In response to meeting the order synchronization condition, synchronize the trading order to the main trading platform, and perform trading registration on the trading order through the main trading platform, so as to conduct a substantive transaction on the target virtual resource product based on the order placement time of the trading order.

[0010] Embodiments of this application provide a device for processing virtual resource products, including:

[0011] An entry display module, configured to, in response to a trading trigger operation for the main trading platform, when the main trading platform does not respond, display a platform switching entry, where the platform switching entry is used to switch to a backup trading platform for trading virtual resource products;

[0012] A platform switching module, configured to switch to the backup trading platform in response to a platform switching operation triggered based on the platform switching entry, and display trading controls on the trading page of the backup trading platform;

[0013] An order determination module, configured to determine a trading order for a target virtual resource product in response to an order placement operation triggered based on the trading control;

[0014] An order synchronization module, configured to synchronize the trading order to the primary trading platform in response to meeting the order synchronization condition, and perform trading registration on the trading order through the primary trading platform, so as to conduct a substantial transaction on the target virtual resource product based on the order placement time of the trading order.

[0015] In the above solution, the entry display module is further configured to display the platform switching entry in one of the following ways: display a platform switching control and use the platform switching control as the platform switching entry; display a switching prompt message for prompting to switch to the backup trading platform and use the switching prompt message as the platform switching entry; display a network link for indicating to switch to the backup trading platform and use the network link as the platform switching entry; display a graphic code for indicating to switch to the backup trading platform and use the graphic code as the platform switching entry.

[0016] In the above solution, before switching to the backup trading platform, the platform switching module is further configured to, if the platform switching entry is a platform switching control, display a voice input prompt message in response to a triggering operation on the platform switching control; receive the platform switching operation in response to a target voice indicating to switch to the backup trading platform being input based on the voice input prompt message.

[0017] In the above solution, before switching to the backup trading platform, the platform switching module is further configured to, if the platform switching entry is a platform switching control, display a gesture drawing area in response to a triggering operation on the platform switching control; receive a first gesture drawn in the gesture drawing area in response to a gesture drawing operation; receive the platform switching operation in response to the first gesture matching a second gesture indicating to switch to the backup trading platform.

[0018] In the above solution, before switching to the backup trading platform, the platform switching module is further configured to, if the platform switching entry is the graphic code, receive the platform switching operation in response to an identification operation on the graphic code.

[0019] In the above solution, the order determination module is further configured to, if the transaction control is a purchase control for purchasing a virtual resource product, display a purchase editing page in response to a trigger operation on the purchase control; in response to a purchase editing operation, display the edited purchase parameters in the purchase editing page, where the purchase parameters include: the account identifier and account password of the financial management account, the product identifier and purchase amount of the target virtual resource product to be purchased, and the payment method; in response to a purchase confirmation operation, determine a purchase order for the target virtual resource product and use the purchase order as the transaction order; where the purchase order is used to request the purchase of the target virtual resource product for the purchase amount and add the purchased target virtual resource product to the financial management account.

[0020] In the above solution, the order determination module is further configured to, in response to a purchase confirmation operation, perform a legality verification on the financial management account based on the account identifier and the account password; in the case where the legality verification is passed, generate a purchase order for the target virtual resource product, where the status of the purchase order is to be paid, and display the payment page of the purchase order; in response to a payment confirmation operation triggered based on the payment page, transfer the virtual resources of the purchase amount from the user account associated with the payment method to the standby account, and update the status of the purchase order from to be paid to paid.

[0021] In the above solution, the order synchronization module is further configured to, based on the purchase order, create a purchase transaction record for the target virtual resource product on the main trading platform, where the purchase transaction record includes: the product identifier of the target virtual resource product, the purchase amount, and the order placement time of the purchase order; send the purchase transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the purchase share of the target virtual resource product based on the purchase amount and the unit net value of the target virtual product, and add the target virtual resource product of the purchase share to the financial management account on the purchase trading day determined based on the order placement time in the purchase transaction record, and transfer the virtual resources of the purchase amount from the standby account to the custody account of the target virtual resource product.

[0022] In the above solution, the order determination module is further configured to, if the transaction control is a redemption control for redeeming a virtual resource product from a wealth management account, in response to a trigger operation on the redemption control, display a redemption editing page; in response to a redemption editing operation, display the edited redemption parameters in the redemption editing page, where the redemption parameters include: the account identifier and account password of the wealth management account, the product identifier and redemption share of the target virtual resource product to be redeemed, and the user account to which the virtual resources obtained by redeeming the target virtual product are transferred; in response to a redemption confirmation operation, generate a redemption order for the target virtual resource product, and use the redemption order as the transaction order; where the redemption order is used to request redeeming the target virtual resource product of the redemption share from the wealth management account, and transfer the virtual resources obtained by redeeming the target virtual resource product of the redemption share to the user account.

[0023] In the above solution, the order synchronization module is further configured to perform a validity check on the redemption order through the main trading platform, and create a redemption transaction record for the target virtual resource product when the redemption order is valid; where the redemption transaction record includes: the product identifier of the target virtual resource product, the redemption share, and the order placement time of the redemption order; send the redemption transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the target virtual resource product based on the redemption share and the unit net value of the target virtual product, and freeze the virtual resources of the redemption amount in the wealth management account, so as to transfer the virtual resources of the redemption amount from the wealth management account to the user account on the redemption trading day determined based on the order placement time in the redemption transaction record.

[0024] In the above solution, the target virtual resource product includes a first virtual resource product and a second virtual resource product. The order determination module is further configured to, if the transaction control is a conversion control for converting different virtual resource products in a wealth management account, in response to a trigger operation on the conversion control, display a conversion editing page; in response to a conversion editing operation, display the edited conversion parameters in the conversion editing page, where the conversion parameters include: the account identifier and account password of the wealth management account, the first product identifier of the first virtual resource product to be redeemed, the second product identifier of the second virtual resource product to be subscribed, and the conversion share; in response to a conversion confirmation operation, determine a conversion order for the target virtual resource product, and use the conversion order as the transaction order; where the conversion order is used to request converting the first virtual resource product of the conversion share in the wealth management account into the second virtual resource product.

[0025] In the above solution, the order synchronization module is further configured to detect the validity of the conversion order through the main trading platform, and create a conversion transaction record for the target virtual resource product when the conversion order is valid; wherein, the conversion transaction record includes: the first product identifier, the second product identifier, the conversion share, and the order placement time of the conversion order; send the conversion transaction record to the transfer agent of the virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the first virtual resource product based on the conversion share and the unit net value of the first virtual resource product, freezes the virtual resources of the redemption amount of the first virtual resource product, and determines the subscription share of the second virtual resource product based on the frozen virtual resources of the redemption amount and the unit net value of the second virtual resource product, so as to deduct the conversion share of the first virtual resource product from the financial management account on the conversion trading day determined based on the order placement time in the conversion transaction record, add the second virtual resource product of the subscription share to the financial management account, and transfer the virtual resources of the redemption amount from the custody account of the first virtual resource product to the custody account of the second virtual resource product.

[0026] In the above solution, after determining the trading order for the target virtual resource product, the device further includes: an order cancellation module, configured to respond to an order cancellation request, and cancel the trading order through the standby trading platform when the trading order has not been synchronized to the main trading platform when the order cancellation request is triggered.

[0027] In the above solution, after registering the trading order through the main trading platform, the device further includes a notification receiving module, configured to receive a trading confirmation notification, where the trading confirmation notification is used to prompt the trading details and trading results for the target virtual resource product.

[0028] In the above solution, before synchronizing the trading order to the main trading platform, the order synchronization module is further configured to determine that the order synchronization condition is met in response to the main trading platform becoming available; or, determine that the order synchronization condition is met in response to the number of trading orders to be synchronized reaching a threshold.

[0029] An embodiment of the present application provides an electronic device, including:

[0030] A memory, configured to store computer-executable instructions or computer programs;

[0031] A processor, configured to implement the processing method of the virtual resource product provided by the embodiment of the present application when executing the computer-executable instructions or computer programs stored in the memory.

[0032] An embodiment of the present application provides a computer-readable storage medium storing computer-executable instructions or a computer program, which is used to implement the processing method of the virtual resource product provided by the embodiment of the present application when executed by a processor.

[0033] An embodiment of the present application provides a computer program product, including a computer program or computer-executable instructions, which, when executed by a processor, implement the processing method of the virtual resource product provided by the embodiment of the present application.

[0034] The embodiment of the present application has the following beneficial effects:

[0035] Applying the embodiment of the present application, in the case where the main trading platform fails to respond to a trading trigger operation (such as a failure or unavailability of the main trading platform), by switching to the backup trading platform and continuing to conduct transactions of virtual resource products on the backup trading platform, this combined method of the main trading platform and the backup trading platform improves the fault tolerance of the trading platform, ensures that the backup trading platform can take over the trading service when the main trading platform fails, ensures the continuity and availability of the trading service, and avoids transaction interruptions and a decline in user experience caused by the failure of the main trading platform; after a trading order is generated on the backup trading platform, when the order synchronization condition is met, the trading order is synchronized to the main trading platform, ensuring the security and consistency of trading data; by registering the trading order on the main trading platform, that is, conducting a substantive transaction on the virtual resource product based on the order placement time of the trading order created on the backup trading platform, it is possible to reduce trading delays caused by the failure of the main trading platform, improve trading efficiency, ensure that users can complete transactions in a timely manner, and guarantee the smooth progress of transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 is a schematic structural diagram of a processing system 100 for virtual resource products provided by an embodiment of the present application;

[0037] Figure 2 is a schematic structural diagram of an electronic device 500 provided by an embodiment of the present application;

[0038] Figure 3 is a schematic flowchart of a processing method for virtual resource products provided by an embodiment of the present application;

[0039] Figure 4 is a schematic diagram of the switching of the trading platform provided by an embodiment of the present application;

[0040] Figure 5 is a schematic diagram of the determination of a purchase order provided by an embodiment of the present application;

[0041] Figure 6It is a schematic diagram for determining a redemption order provided by an embodiment of the present application;

[0042] Figure 7 It is a schematic diagram for determining a conversion order provided by an embodiment of the present application;

[0043] Figure 8 It is a schematic diagram of the architecture of a processing system for virtual resource products provided by an embodiment of the present application;

[0044] Figure 9 It is a schematic flowchart of a method for switching a trading platform provided by an embodiment of the present application;

[0045] Figure 10 It is a schematic flowchart of a method for subscribing to virtual resource products provided by an embodiment of the present application;

[0046] Figure 11 It is a schematic flowchart of a method for redeeming virtual resource products provided by an embodiment of the present application. Detailed implementation manners

[0047] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings. The described embodiments should not be regarded as limitations on the present application. All other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the scope of protection of the present application.

[0048] It can be understood that in the embodiments of the present application, data related to user information (such as user accounts, financial management accounts, etc.) is involved. When the embodiments of the present application are applied to specific products or technologies, user permission or consent needs to be obtained, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards.

[0049] In the following description, "some embodiments" are involved, which describe a subset of all possible embodiments. However, it can be understood that "some embodiments" can be the same subset or different subsets of all possible embodiments, and can be combined with each other without conflict.

[0050] 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 allowed, so that the embodiments of the present application described here can be implemented in an order other than that illustrated or described here.

[0051] In the embodiments of the present application, the term "module" or "unit" refers to a computer program with a predetermined function or a part of a computer program, 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, one 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 part of an overall module or unit that includes the function of the module or unit.

[0052] 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.

[0053] Before further elaborating on the embodiments of the present application, the nouns and terms involved in the embodiments of the present application are described. The nouns and terms involved in the embodiments of the present application are subject to the following explanations.

[0054] 1) Client: An application program running on a terminal for providing various services, such as a video playback client, a game client, etc.

[0055] 2) In response to: Used to represent the conditions or states on which the executed operations depend. When the dependent conditions or states are met, one or more executed operations can be real-time or can have a set delay; without special instructions, there is no limitation on the execution order of the multiple executed operations.

[0056] The embodiments of the present application provide a method, apparatus, electronic device, computer-readable storage medium, and computer program product for processing virtual resource products, which can ensure the transaction timing of virtual resource products. The following describes an exemplary application of the electronic device provided by the embodiments of the present application. The electronic device provided by the embodiments of the present application can be implemented as various types of user terminals such as a laptop computer, a tablet computer, a desktop computer, a set-top box, a mobile device (such as a mobile phone, a portable music player, a personal digital assistant, a dedicated messaging device, a portable game device), a smart phone, a smart speaker, a smart watch, a smart TV, a vehicle-mounted terminal, etc., or can be implemented as a server. The following will describe the exemplary application when the electronic device is implemented as a terminal.

[0057] See Figure 1 , Figure 1It is a schematic architecture diagram of a processing system 100 for virtual resource products provided by an embodiment of the present application. To support an exemplary application, terminals (exemplarily shown as terminal 400-1 and terminal 400-2) are connected to a server 200 through a network 300. The network 300 can be a wide area network, a local area network, or a combination of both.

[0058] In some embodiments, the server 200 can be an independent physical server or a server cluster or distributed system composed of multiple physical servers. The terminal 400 can be a smart phone, a tablet computer, a laptop computer, a desktop computer, a smart speaker, a smart watch, a vehicle-mounted terminal, etc., but is not limited thereto. The terminal is provided with a client having the processing function of virtual resource products, such as a video playback client, a game client, an instant messaging client, a financial management client, a payment client, etc. The server 200 is the background server of the client set on the terminal. The terminal and the server 200 can be directly or indirectly connected through wired or wireless communication methods, which are not limited in the embodiments of the present application.

[0059] In practical applications, when a user triggers a transaction trigger operation through the main transaction platform of the client on the terminal (the transaction page related to virtual resource products defaultly displayed in the client is provided by the main transaction platform), the terminal responds to the transaction trigger operation for the main transaction platform. In the case where the main transaction platform does not respond, a platform switching entry is displayed; in response to a platform switching operation triggered based on the platform switching entry, a platform switching request is sent to the server 200; based on the platform switching request, the server 200 obtains and returns a standby transaction platform to the terminal. The terminal switches to the standby transaction platform and displays a transaction control on the transaction page of the standby transaction platform; in response to an order placement operation triggered based on the transaction control, a transaction order for the target virtual resource product is determined; in response to meeting the order synchronization condition, the transaction order is synchronized to the main transaction platform, and the transaction order is registered for trading through the main transaction platform, so as to conduct a substantive transaction on the target virtual resource product based on the order placement time of the transaction order.

[0060] See Figure 2 , Figure 2 It is a schematic structural diagram of an electronic device 500 provided by an embodiment of the present application. Taking the terminal in Figure 1 as an example, Figure 2 the electronic device 500 shown includes: at least one processor 510, a memory 550, at least one network interface 520, and a user interface 530. Each component in the electronic device 500 is coupled together through a bus system 540. It can be understood that the bus system 540 is used to realize the connection and communication between these components. In addition to including a data bus, the bus system 540 also includes a power bus, a control bus, and a status signal bus. However, for the sake of clear illustration, inFigure 2 Various buses are labeled as bus system 540.

[0061] The processor 510 can be an integrated circuit chip with signal processing capabilities, such as a general-purpose processor, a digital signal processor (DSP), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor can be a microprocessor or any conventional processor, etc.

[0062] The memory 550 includes volatile memory or non-volatile memory, or both volatile and non-volatile memory. Among them, the non-volatile memory can be a read-only memory (ROM), and the volatile memory can be a random access memory (RAM). The memory 550 described in the embodiments of the present application is intended to include any suitable type of memory. Optionally, the memory 550 includes one or more storage devices physically located far from the processor 510.

[0063] In some embodiments, the memory 550 is capable of storing data to support various operations. Examples of such data include programs, modules, and data structures, or subsets or supersets thereof, which will be described exemplarily below.

[0064] The operating system 551 includes system programs for processing various basic system services and performing hardware-related tasks, such as the framework layer, the core library layer, the driver layer, etc., for implementing various basic services and processing hardware-based tasks; the network communication module 552 is used to reach other electronic devices via one or more (wired or wireless) network interfaces 520. Exemplary network interfaces 520 include: Bluetooth, Wi-Fi (Wireless Fidelity), and USB (Universal Serial Bus), etc.

[0065] In some embodiments, the processing device of the virtual resource product provided by the embodiments of the present application can be implemented in software. The processing device of the virtual resource product provided by the embodiments of the present application can be provided as various software embodiments, including various forms such as application programs, software, software modules, scripts, or code. Figure 2 Shown is the processing device 555 of the virtual resource product stored in the memory 550, which can be software in the form of programs and plugins, etc., and includes a series of modules, including an entry display module 5551, a platform switching module 5552, an order determination module 5553, and an order synchronization module 5554. These modules are logical, so they can be combined or further split arbitrarily according to the functions to be implemented. The functions of each module will be described below.

[0066] In some other embodiments, the apparatus provided by the embodiments of the present application may be implemented in a hardware manner. As an example, the apparatus provided by the embodiments of the present application may be a processor in the form of a hardware decoding processor, which is programmed to execute the processing method of the virtual resource product provided by the embodiments of the present application. For example, the processor in the form of a hardware decoding processor may employ one or more application specific integrated circuits (ASICs), digital signal processors (DSPs), programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field-programmable gate arrays (FPGAs), or other electronic components.

[0067] In some embodiments, the terminal or the server may implement the processing method of the virtual resource product provided by the embodiments of the present application by running various computer-executable instructions or computer programs. For example, the computer-executable instructions may be commands at the microprogram level, machine instructions, or software instructions. The computer program may be a native program or a software module in the operating system; it may be a native application (APP), that is, a program that needs to be installed in the operating system to run, such as a financial management APP or an instant messaging APP; or it may be a small program that can be embedded in any APP, that is, a program that only needs to be downloaded into the browser environment to run. In short, the above computer-executable instructions may be instructions in any form, and the above computer programs may be application programs, modules, or plugins in any form.

[0068] As described above, the processing method of the virtual resource product provided by the embodiments of the present application may be implemented by various types of electronic devices. For example, it may be Figure 1 executed independently by any one of the terminals and the server 200 in Figure 1 or may be executed collaboratively by the terminals and the server 200 in Figure 1 . Next, taking the example of the terminal in Figure 1 executing independently the processing method of the virtual resource product provided by the embodiments of the present application will be described. Refer to Figure 3 . Figure 3 FIG. Figure 3 is a schematic flowchart of the processing method of the virtual resource product provided by the embodiments of the present application, and will be described in conjunction with the steps shown in Figure 3 .

[0069] Step 101: In response to a transaction trigger operation for the primary trading platform, when the primary trading platform fails to respond, the terminal displays a platform switching entry.

[0070] Among them, the platform switching entry is used to switch to the backup trading platform for trading virtual resource products. The backup trading platform is a pre-configured trading platform that can immediately take over trading services. It should have the same functions as the primary trading platform, or at least be able to handle the basic trading needs of users. It is a simplified version of the primary trading platform.

[0071] In practical applications, the transaction trigger operation can be any operation triggered by the user on the primary trading platform, such as clicking virtual buttons like "Buy", "Sell", "Subscribe", or "Redeem". Under normal circumstances of the primary trading platform, these operations usually cause the primary trading platform to execute corresponding trading logics. The terminal determines whether the primary trading platform responds by detecting the response time or status of the transaction trigger operation. When the primary trading platform experiences technical failures (such as primary trading link failures), network connection problems, server overload, or other reasons that prevent it from processing the user's transaction trigger operation in a timely manner, it displays a platform switching entry that prompts to switch to the backup trading platform.

[0072] In some embodiments, the terminal can display the platform switching entry in the following ways: display the platform switching entry by one of the following methods: display a platform switching control and use the platform switching control as the platform switching entry; display a switching prompt message for prompting to switch to the backup trading platform and use the switching prompt message as the platform switching entry; display a network link for indicating to switch to the backup trading platform and use the network link as the platform switching entry; display a graphical code for indicating to switch to the backup trading platform and use the graphical code as the platform switching entry.

[0073] In practical applications, when the main trading platform fails to respond, the terminal will display an obvious platform switching entry in the interface to guide users to switch to the backup trading platform through the platform switching entry. Among them, the manifestation forms of the platform switching entry are various. For example, it can be a virtual button or a virtual control (such as a platform switching control) or a floating icon. It can also be a prompt message in text form (that is, sending a notification through the message system to prompt the user and provide an option to switch platforms, such as a switching prompt message). It can also be a network link or a graphic code (that is, the user accesses the backup trading platform by clicking the link or scanning and identifying the graphic code), etc. The platform switching entry can also exist in the form of a pop-up window (that is, when the main trading platform fails to respond, a window will automatically pop up to prompt the user to switch to the backup trading platform), a menu option (such as adding an option in the main menu or settings menu of an application that implements the processing function of virtual resource products to allow the user to select to switch to the backup trading platform), etc. In addition, a dedicated hardware button can be configured on the terminal to configure it as a shortcut to switch the trading platform.

[0074] When the terminal displays the platform switching entry, it can also provide a brief explanation, such as explaining why the platform needs to be switched and how to switch the platform, so that users can conveniently switch the platform through the platform switching entry. For example, after seeing the platform switching entry, the user can choose to click or touch it to trigger the platform switching operation to switch to the backup trading platform.

[0075] By the above method, the platform switching entry is displayed in various forms, making the platform switching entry more flexible and convenient, meeting the needs and usage habits of different users. At the same time, this also improves the usability and user experience of the trading platform, ensuring that users can quickly switch to the backup trading platform when the main trading platform fails and continue to trade virtual resource products.

[0076] Step 102: In response to the platform switching operation triggered based on the platform switching entry, switch to the backup trading platform and display trading controls on the trading page of the backup trading platform.

[0077] In some embodiments, before the terminal switches to the backup trading platform, it can receive the corresponding platform switching operation in the following ways: If the platform switching entry is a platform switching control, in response to the triggering operation for the platform switching control, display a voice input prompt message; in response to the target voice indicating switching to the backup trading platform entered based on the voice input prompt message, receive the platform switching operation; or, in response to the triggering operation for the platform switching control, display a gesture drawing area; in response to the gesture drawing operation, receive the first gesture drawn in the gesture drawing area; in response to the first gesture matching the second gesture indicating switching to the backup trading platform, receive the platform switching operation.

[0078] In practical applications, the triggering method of the platform switching operation is related to the manifestation form of the platform switching entry. For example, when the platform switching entry is displayed in the form of a button, a control, or a text prompt (i.e., using the above-mentioned platform switching control or switching prompt message as the platform switching entry), the user can directly trigger the platform switching operation by triggering the platform switching entry; or, in response to the triggering operation on the platform switching entry, first display a switching interaction area (such as the area for the voice input prompt message or the gesture drawing area mentioned above), and then trigger the platform switching operation when the target voice indicating switching to the standby trading platform is input in the switching interaction area, or when the second gesture indicating switching to the standby trading platform is drawn in the switching interaction area.

[0079] For another example, if the platform switching entry is a graphic code, in response to the recognition operation on the graphic code, the platform switching operation is received, that is, the user triggers the platform switching operation by scanning and recognizing the graphic code through the terminal. For another example, if the platform switching entry is a network link, in response to the triggering operation on the network link (such as a click operation), the platform switching operation is received, that is, the user triggers the platform switching operation by triggering the network link.

[0080] After the user triggers the platform switching operation based on the platform switching entry, the terminal responds to the platform switching operation, directly switches to the standby trading platform, and displays the trading page of the standby trading platform, where trading controls for realizing virtual resource product trading are displayed.

[0081] See Figure 4 , Figure 4 is a schematic diagram of the switching of the trading platform provided by the embodiment of the present application. The terminal responds to the trading trigger operation on the main trading platform, displays the platform switching entry (displaying a prompt for a simplified version of the transaction) 401 in the form of a virtual button of the platform switching control, and displays the switching instructions (such as the main trading platform fails, please jump to the standby trading platform for trading) 402. In response to the triggering operation on the platform switching entry 401, it switches to the standby trading platform, and trading controls such as purchase (or transfer in), redemption (or transfer out), or conversion and other virtual controls are displayed in the trading page 403 of the standby trading platform. The user can trade virtual resource products through the trading controls provided by the standby trading platform.

[0082] By the above method, triggering the platform switching operation in multiple forms makes the platform switching operation more flexible and convenient, meeting the needs and usage habits of different users; at the same time, this also improves the usability and user experience of the trading platform, ensuring that users can quickly switch to the standby trading platform when the main trading platform fails and continue to trade virtual resource products with the trading controls in the standby trading platform.

[0083] Step 103: In response to an order placement operation triggered based on a trading control, determine a trading order for the target virtual resource product.

[0084] In practical applications, when a user triggers an order placement operation for a target virtual resource product based on a trading control on a backup trading platform, the terminal generates a trading order for the target virtual resource product in response to this order placement operation. Among them, the target virtual resource product can be any virtual resource product that has not been purchased by any user (i.e., the user who triggers the order placement operation) in the trading platform (such as a financial management system), or it can be a virtual resource product that the user already owns (i.e., has purchased).

[0085] It can be understood that for trading controls with different functions, the generation methods of the corresponding trading orders are different. Subsequently, the methods for determining trading orders based on trading controls with various functions will be described.

[0086] Step 104: In response to meeting the order synchronization condition, synchronize the trading order to the main trading platform and conduct trading registration for the trading order through the main trading platform, so as to conduct a substantive transaction on the target virtual resource product based on the order placement time of the trading order.

[0087] In some embodiments, before synchronizing the trading order to the main trading platform, the terminal can determine that the order synchronization condition is met in the following ways: in response to the main trading platform becoming available again, determine that the order synchronization condition is met; or, in response to the number of trading orders to be synchronized reaching a quantity threshold, determine that the order synchronization condition is met; or, in response to a timing task detecting a trading order to be synchronized, determine that the order synchronization condition is met.

[0088] In practical applications, after generating a trading order for the target virtual resource product in the backup trading platform, the terminal periodically (such as every hour, every day, etc.) detects the unsynchronized trading orders in the backup trading platform or detects whether the main trading link of the main trading platform has become available again through a timing task. When it is detected that the main trading link of the main trading platform has become available again and there are trading orders to be synchronized in the backup trading platform, the trading orders to be synchronized are synchronized to the main trading platform, which can improve the timeliness of synchronization; or, when it is detected that the main trading link of the main trading platform has become available again and the number of trading orders to be synchronized in the backup trading platform reaches a quantity threshold (which can be set according to actual needs, such as set to 10), multiple trading orders to be synchronized (such as 10 trading orders) are synchronously batched to the main trading platform to improve the synchronization efficiency.

[0089] It should be noted that if an error or exception occurs during the synchronization process, it can automatically retry a certain number of times to ensure that the transaction order can be successfully synchronized. Log information can be recorded during the synchronization process for subsequent auditing and troubleshooting, and notifications can be sent to relevant personnel when errors or exceptions occur for anomaly troubleshooting. After the synchronization is completed, the data on the standby trading platform and the main trading platform can be verified to ensure data consistency and integrity.

[0090] Through the above method, it is ensured that when the main trading platform fails, the transaction orders in the standby trading platform can be timely and accurately synchronized to the main trading platform, thus ensuring the integrity of the transaction and the stability of the system.

[0091] In some embodiments, after the terminal determines a transaction order for a target virtual resource product, in response to an order cancellation request, when the transaction order has not been synchronized to the main trading platform when the order cancellation request is triggered, the transaction order is cancelled through the standby trading platform.

[0092] In practical applications, if the user triggers an order cancellation request after generating a transaction order on the standby trading platform and before synchronizing the transaction order to the main trading platform, the terminal responds to the order cancellation request and can directly cancel the transaction order through the standby trading platform. For example, the standby trading platform detects the order status of the transaction order and whether the cancellation conditions are met based on the order cancellation request. If the cancellation conditions are met, the order can be cancelled or the frozen funds can be released based on the order status of the transaction order. If the user triggers an order cancellation request after synchronizing the transaction order to the main trading platform, the transaction order needs to be cancelled through the main trading platform. For example, the main trading platform detects the order status of the transaction order and whether the cancellation conditions are met based on the order cancellation request. If the cancellation conditions are met, the order can be cancelled or the frozen funds can be released based on the order status of the transaction order.

[0093] For example, if the transaction order is a purchase order for requesting the purchase of a target virtual resource product and the status of the purchase order is paid, when the cancellation conditions are met, the paid funds are returned to the user's account (such as the payment account for paying funds when purchasing the target virtual resource product), the status of the purchase order is updated to invalid, and the result of the user's cancellation application and the fund refund situation are notified to the user by means of SMS, trading platform notification or email, etc.

[0094] It should be noted that there may be certain restrictions on canceling a transaction order, such as the validity period of the transaction order, the time limit for cancellation, etc. In addition, different virtual resource products may have different cancellation rules or conditions. Therefore, before submitting an application to cancel a transaction order, the user should carefully read the relevant virtual resource product descriptions and service terms to understand the specific cancellation process and conditions.

[0095] In some embodiments, after the terminal registers a transaction order through the primary trading platform, it can also receive a transaction confirmation notice, which is used to prompt the transaction details and results for the target virtual resource product.

[0096] In practical applications, after synchronizing the transaction order on the backup trading platform to the primary trading platform, the primary trading platform processes and registers the transaction order. This process includes verifying the transaction order, matching the buyer and seller, and executing the actual transaction, etc. Once the transaction order is successfully registered, the primary trading platform generates a transaction confirmation notice, which contains detailed information about the transaction of the target virtual resource product, such as transaction time, transaction price, transaction quantity, transaction amount, transaction fees, etc. The transaction confirmation notice may also include the transaction result, such as whether the transaction is successful, whether the transaction is partially completed, or whether it is cancelled, etc. If the transaction is successful, the transaction confirmation notice will also provide the settlement information of the transaction, such as the time of fund arrival, the time of securities delivery, etc.

[0097] The primary trading platform can send the transaction confirmation notice to the user in various ways, including text messages, emails, system notifications of the trading platform, message centers on the web side, etc. The user can choose the way to receive the notice according to their own preferences. The user can view the detailed content of the transaction confirmation notice by logging in to the financial management account of the primary trading platform. This information is very important for the user to understand their investment status, conduct financial planning, and tax declaration, etc. The transaction confirmation notice is an important link in the transaction process. It not only provides the detailed information of the transaction, but also helps the user to timely understand the transaction result, ensuring the transparency and traceability of the transaction; at the same time, it is also an important basis for the user to conduct investment management and risk control.

[0098] In practical applications, the transaction types of virtual resource products include subscription (transfer in), redemption (transfer out), and conversion. Next, the processing method of the virtual resource product provided by the embodiments of the present application will be described by aggregating various types of transactions.

[0099] In some embodiments, the terminal can determine a transaction order for a target virtual resource product in the following manner in response to a placing order operation triggered by a transaction control: If the transaction control is a purchase control for purchasing a virtual resource product, in response to a triggering operation on the purchase control, display a purchase editing page; in response to a purchase editing operation, display the edited purchase parameters on the purchase editing page, where the purchase parameters include: the account identifier and account password of the financial management account, the product identifier and purchase amount of the target virtual resource product to be purchased, and the payment method; in response to a purchase confirmation operation, determine a purchase order for the target virtual resource product, and use the purchase order as the transaction order; where the purchase order is used to request the purchase of the target virtual resource product with the purchase amount and add the purchased target virtual resource product to the financial management account.

[0100] See Figure 5 , Figure 5 FIG. is a schematic diagram for determining a purchase order provided by an embodiment of the present application. When the transaction control is a purchase control for purchasing a virtual resource product (also known as a transfer-in control, used to transfer a virtual resource product into a user's financial management account on a trading platform or a financial management platform) 501, the terminal responds to a triggering operation on the purchase control 501 and displays a purchase editing page 502. The user can edit corresponding purchase parameters on the purchase editing page 502, such as the account identifier (such as an account number) and account password (i.e., the transaction password pre-set by the user) of the financial management account, the product identifier (such as a product name or product code) of the target virtual resource product to be purchased, the purchase amount (such as the transfer-in amount), and can set the payment method (such as third-party payment, bank card payment, etc.); after the user edits the purchase parameters, a purchase confirmation operation can be triggered (such as triggering a purchase confirmation control 503). The terminal responds to the purchase confirmation operation, generates a purchase order indicating the purchase of the target virtual resource product based on the purchase parameters, and uses the purchase order as the transaction order to add the purchased target virtual resource product to the financial management account on the purchase trading date.

[0101] In some embodiments, the terminal can determine a purchase order for a target virtual resource product in the following manner in response to a purchase confirmation operation: In response to a purchase confirmation operation, perform a legality verification on the financial management account based on the account identifier and account password; in the case where the legality verification passes, generate a purchase order for the target virtual resource product, the status of the purchase order is to be paid, and display a payment page of the purchase order;

[0102] In response to a payment confirmation operation triggered based on the payment page, transfer the virtual resources with the purchase amount from the user account associated with the payment method to a standby account, and update the status of the purchase order from to be paid to paid.

[0103] In practical applications, when generating a subscription order based on subscription parameters, the legitimacy of the wealth management account can be verified based on the account identifier and account password. For example, the reserved password corresponding to the account identifier can be queried from the database based on the account identifier edited by the user, and the account password edited by the user is compared with the reserved password corresponding to the account identifier stored in the database for consistency. When the account password edited by the user is consistent with the reserved password stored in the database, the legitimacy verification is considered to have passed. And in the case where the legitimacy verification passes, a subscription order for the target virtual resource product is generated. Since the user has not completed the payment yet, the status of the subscription order at this time is "awaiting payment".

[0104] In the case where the user has not made a payment, a payment page corresponding to the payment method set by the user is popped up for the user to complete the payment through the payment page using the corresponding payment method. For example, if the payment method set by the user is third-party payment, the payment page of the third-party payment platform is popped up. After the user confirms the payment amount (such as the subscription amount edited by the user above) on the payment page and enters the payment password, the terminal can capture the payment confirmation operation. In response to the payment confirmation operation, the terminal transfers the virtual resources of the subscription amount from the user account associated with the payment method (such as the user's account on the third-party payment platform) to the standby account. Once the virtual resource transfer is successful, the trading platform can update the status of the subscription order from "awaiting payment" to "paid", which means that the subscription order has been successfully submitted and is waiting for further processing and confirmation.

[0105] Among them, the backup account is an account where the funds prepaid for transactions on the backup trading platform are deposited before transaction registration. This backup account can be a temporary account or a temporary fund pool created on the backup trading platform, specifically used to store the payment funds coming to the backup trading platform. These funds are kept in the backup account before transaction registration to ensure the security and isolation of the funds. The backup account can also be a database or a data table that records the payment funds coming to the backup trading platform through the internal accounting system, specifically used to detect and manage the prepaid funds. The backup account can also be a buffer of the payment gateway, that is, by using the buffer or temporary storage function provided by the payment gateway, the payment funds are temporarily stored in the payment gateway. The payment gateway usually has a high level of security and reliability and is suitable for temporarily storing funds. The backup account can also be a decentralized temporary storage account created based on blockchain technology, recording the payment funds from the backup trading platform on the blockchain. This method can provide a high level of security and transparency to ensure the safety of the funds. The backup account can also be an account provided by a third-party custody service, that is, the backup trading platform cooperates with a third-party custody service provider to custody the payment funds from the backup trading platform in their system. The third-party custody service usually has professional fund management and security measures to ensure the security and compliance of the funds. The backup account can also be a temporary deposit account opened in a bank, depositing the payment funds from the backup trading platform into the bank's temporary deposit account. The bank's temporary deposit account usually has a high level of security and regulatory requirements and is suitable for storing prepaid funds.

[0106] Through the above methods, in the event of a failure of the main trading platform, users can easily purchase virtual resource products on the backup trading platform. The entire purchase process on the backup trading platform ensures the security and reliability of the purchase operation and at the same time provides users with a convenient payment experience.

[0107] In some embodiments, the terminal can register a transaction order through the main trading platform in the following manner: Based on the purchase order, create a purchase transaction record for the target virtual resource product on the main trading platform. The purchase transaction record includes: the product identifier of the target virtual resource product, the purchase amount, and the order placement time of the purchase order; send the purchase transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the purchase share of the target virtual resource product based on the purchase amount and the unit net value of the target virtual product, and add the target virtual resource product with the purchase share to the wealth management account on the purchase trading day determined based on the order placement time in the purchase transaction record, and transfer the virtual resources of the purchase amount from the backup account to the custody account of the target virtual resource product.

[0108] In practical applications, the role of the backup trading platform is to provide temporary trading services when the primary trading platform is unavailable. However, the final confirmation and management of transactions still rely on the primary trading platform because the primary trading platform is the main data storage and management center, responsible for storing all transaction records, user account information, and asset data. In contrast, the backup trading platform usually does not store complete historical data and only processes current transaction requests. Moreover, the primary trading platform has a complete risk management mechanism that can monitor trading activities in real-time, identify and prevent potential risks, while the backup trading platform may not have comprehensive risk management functions and can only provide basic trading security guarantees. Therefore, the primary trading platform is the authoritative source of transactions, and all trading orders ultimately need to be registered on the primary trading platform to ensure the legality and security of transactions, as well as the consistency and integrity of data.

[0109] After synchronizing the trading orders placed on the backup trading platform to the primary trading platform, the primary trading platform conducts transaction registration for the trading orders. The main purpose of transaction registration is to create a purchase transaction record on the primary trading platform. The purchase transaction record includes information such as the product identifier of the target virtual resource product being purchased, the purchase amount, and the transaction date (i.e., the order placement time of the purchase order). The transaction record is then reported to the transfer agent of the target virtual resource product (such as a fund company) so that the transfer agent can determine the time when the purchase order was placed on the backup trading platform as the time of the purchase transaction and determine the purchase trading day based on this time (following the determination method of the fund purchase day). In addition, based on the purchase amount and the unit net value of the target virtual product, the purchase share of the target virtual resource product is determined (e.g., purchase share = purchase amount / unit net value). On the purchase trading day, the target virtual resource product corresponding to the purchase share is added (or registered) to the user's wealth management account on the trading platform, and the virtual resources of the purchase amount are transferred from the backup account to the custody account of the target virtual resource product (referring to an account managed by a third-party financial institution such as a bank or a trust company to hold the investor's assets and ensure the safety and independence of the assets), thus completing the purchase transaction. Subsequently, a transaction confirmation notice can be sent to the user terminal. This transaction confirmation notice contains detailed information about the purchase of the target virtual resource product (such as the transaction time, purchase share, etc.), and the transaction record can be audited and compliance checked to ensure the legality and compliance of the transaction.

[0110] Through the above steps, the transaction registration of real virtual resource products can be achieved, ensuring that the user's purchase requests are accurately recorded and processed. At the same time, the synchronization of trading orders ensures that the transactions in the backup trading platform can be timely synchronized to the primary trading platform, guaranteeing the consistency and integrity of trading data. This mechanism provides an effective guarantee for trading continuity in case of a primary trading platform failure, ensuring that users can continue to conduct purchase operations for wealth management products.

[0111] In some embodiments, the terminal may determine a transaction order for a target virtual resource product in response to a placing order operation triggered based on a transaction control as follows: If the transaction control is a redemption control for redeeming a virtual resource product from a financial management account, in response to a triggering operation on the redemption control, display a redemption editing page; in response to a redemption editing operation, display the edited redemption parameters in the redemption editing page, where the redemption parameters include the account identifier and account password of the financial management account, the product identifier and redemption share of the target virtual resource product to be redeemed, and the user account to which the virtual resources obtained by redeeming the target virtual product are transferred; in response to a redemption confirmation operation, generate a redemption order for the target virtual resource product and use the redemption order as the transaction order; wherein, the redemption order is used to request to redeem the target virtual resource product of the redemption share from the financial management account and transfer the virtual resources obtained by redeeming the target virtual resource product of the redemption share to the user account.

[0112] See Figure 6 , Figure 6 FIG. is a schematic diagram for determining a redemption order provided by an embodiment of the present application. When the transaction control is a redemption control (also known as a transfer-out control, used to transfer a virtual resource product out of the user's financial management account on a trading platform or a financial management platform) 601 for redeeming a virtual resource product, the terminal, in response to a triggering operation on the redemption control 601, displays a redemption editing page 602. The user can edit corresponding redemption parameters in the redemption editing page 602, such as the account identifier (such as an account number) and account password (i.e., the transaction password pre-set by the user) of the financial management account, the product identifier (such as a product name or product code) of the target virtual resource product to be redeemed, the redemption share (such as a transfer-out share or transfer-out ratio), and can set the transfer-out user account (also known as a receiving account, used to receive the funds redeemed from the financial management account, which can be a third-party financial management account, a bank card account, etc.); after the user edits the redemption parameters, a redemption confirmation operation can be triggered (such as triggering a redemption confirmation control 603). The terminal, in response to the redemption confirmation operation, generates a redemption order indicating the redemption of the target virtual resource product based on the redemption parameters and uses the redemption order as the transaction order to transfer the virtual resources (i.e., funds) obtained by redeeming the target virtual resource product to the user account on the redemption trading day.

[0113] In some embodiments, the terminal can register the transaction order through the main trading platform in the following manner: detect the validity of the redemption order through the main trading platform, and create a redemption transaction record for the target virtual resource product when the redemption order is valid; wherein, the redemption transaction record includes: the product identifier of the target virtual resource product, the redemption share, and the order placement time of the redemption order; send the redemption transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the target virtual resource product based on the redemption share and the unit net value of the target virtual product, and freezes the virtual resources of the redemption amount in the wealth management account, so as to transfer the virtual resources of the redemption amount from the wealth management account to the user account on the redemption trading day determined based on the order placement time in the redemption transaction record.

[0114] In practical applications, after synchronizing the redemption order to the main trading platform, the main trading platform detects the validity of the redemption order. For example, it detects whether the number of redemption shares requested by the user does not exceed the number of the target virtual resource product in the user's wealth management account. When the number of redemption shares requested by the user does not exceed the number of the target virtual resource product in the user's wealth management account, the redemption order is considered valid. When the redemption order is valid, a redemption transaction record for the target virtual resource product is created. The redemption transaction record includes information such as the product identifier of the target virtual resource product to be redeemed, the redemption share, and the redemption trading date (i.e., the order placement time of the redemption order), and the redemption transaction record is reported to the transfer agent of the target virtual resource product (such as a fund company).

[0115] The transfer agent determines the redemption amount of the target virtual resource product based on the redemption share and the unit net value of the target virtual product (such as redemption amount = redemption share * unit net value), and freezes the virtual resources of the redemption amount in the wealth management account, that is, freezes the funds of the redemption amount in the wealth management account, to ensure the stability and security of the funds to be redeemed during the transaction registration process, and on the redemption trading day determined based on the order placement time in the redemption transaction record, deduct the corresponding redemption share from the user's wealth management account, update the user's holding record for the target virtual resource product, and transfer the virtual resources of the redemption amount from the wealth management account (i.e., the custody account of the target virtual resource product) to the user account (which is the bank account or other designated receiving account pre-set by the user). It should be noted that if the redemption transaction fails or is revoked, the previously frozen funds need to be unfrozen and the unfrozen funds are refunded to the wealth management account.

[0116] Thereafter, a transaction confirmation notice can be sent to the user terminal. This transaction confirmation notice contains detailed information about the redemption of the target virtual resource product (such as redemption date, redemption share, redemption amount, transaction fees, etc.), and the transaction record can be audited and compliance checked to ensure the legality and compliance of the transaction.

[0117] Through the above steps, the real - time transaction registration of virtual resource product redemption can be completed, ensuring that the user's redemption requests are accurately recorded and processed. Meanwhile, the execution of the scheduled task ensures that the redemption requests in the standby trading platform can be synchronized to the main trading platform in a timely manner, guaranteeing the consistency and integrity of transaction data. This mechanism provides effective guarantee for transaction continuity in case of failure of the main trading platform, ensuring that users can continue to conduct fund redemption operations.

[0118] In some embodiments, the target virtual resource product includes a first virtual resource product and a second virtual resource product. The terminal can determine a transaction order for the target virtual resource product in the following manner in response to an order - placing operation triggered by a transaction control: If the transaction control is a conversion control for converting different virtual resource products in a financial management account, in response to the triggering operation for the conversion control, display a conversion editing page; in response to the conversion editing operation, display the edited conversion parameters in the conversion editing page. The conversion parameters include: the account identifier and account password of the financial management account, the first product identifier of the first virtual resource product to be redeemed, the second product identifier of the second virtual resource product to be subscribed, and the conversion share; in response to the conversion determination operation, determine the conversion order for the target virtual resource product and use the conversion order as the transaction order; wherein, the conversion order is used to request the conversion of the first virtual resource product with the conversion share in the financial management account into the second virtual resource product.

[0119] See Figure 7 , Figure 7 FIG. is a schematic diagram for determining the conversion order provided by an embodiment of the present application. When the transaction control is a conversion control 701 for converting different virtual resource products in a financial management account, the terminal, in response to the triggering operation for the conversion control 701, displays a conversion editing page 702. The user can edit the corresponding conversion parameters in the conversion editing page 702, such as the account identifier (such as the account number) and account password (i.e., the transaction password preset by the user) of the financial management account, the product identifier (i.e., the product name or product code, such as Product A) of the first virtual resource product to be redeemed (to be transferred out), the second product identifier (i.e., the product name or product code, such as Product B) of the second virtual resource product to be subscribed (to be transferred in), and the conversion share. After the user edits the conversion parameters, the conversion determination operation can be triggered (such as triggering the conversion confirmation control 703). The terminal, in response to the conversion confirmation operation, generates an indication conversion order based on the conversion parameters and uses the conversion order as the transaction order to convert the first virtual resource product with the conversion share into the second virtual resource product on the conversion trading day.

[0120] In some embodiments, the terminal can register the transaction order through the main trading platform in the following manner: detect the validity of the conversion order through the main trading platform, and create a conversion transaction record for the target virtual resource product when the conversion order is valid; wherein, the conversion transaction record includes: the first product identifier, the second product identifier, the conversion share, and the order placement time of the conversion order; send the conversion transaction record to the transfer agent of the virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the first virtual resource product based on the conversion share and the unit net value of the first virtual resource product, freezes the virtual resources of the redemption amount of the first virtual resource product, and determines the subscription share of the second virtual resource product based on the frozen virtual resources of the redemption amount and the unit net value of the second virtual resource product, so as to deduct the redemption share of the first virtual resource product from the user's wealth management account on the conversion trading day determined based on the order placement time in the conversion transaction record, add the subscription share of the second virtual resource product to the wealth management account, and transfer the virtual resources of the redemption amount from the custody account of the first virtual resource product to the custody account of the second virtual resource product.

[0121] In practical applications, after synchronizing the conversion order to the main trading platform, the main trading platform detects the validity of the conversion order, such as detecting whether the number of redemption shares of the first virtual resource product requested by the user to redeem does not exceed the number of shares of the first virtual resource product in the user's wealth management account, and detecting whether there is a second virtual resource product to be subscribed requested by the user. When the number of redemption shares requested by the user to redeem does not exceed the number of shares of the first virtual resource product in the user's wealth management account and there is a second virtual resource product, the conversion order is considered valid. When the conversion order is valid, a conversion transaction record is created. The conversion transaction record includes information such as the first product identifier of the first virtual resource product to be redeemed, the second product identifier of the second virtual resource product to be subscribed, the conversion share, and the conversion trading date (i.e., the order placement time of the conversion order), and the conversion transaction record is reported to the transfer agent of the virtual resource product (such as a fund company).

[0122] The transfer agent determines the redemption amount of the first virtual resource product based on the redeemed shares and the net asset value per unit of the first virtual product (e.g., the redemption amount of the first virtual product = the redeemed shares of the first virtual product * the net asset value per unit of the first virtual product), and freezes the virtual resources corresponding to the redemption amount of the first virtual resource product in the wealth management account, that is, freezes the redeemed shares of the first virtual resource product, or freezes the funds corresponding to the redemption amount of the first virtual resource product in the wealth management account, to ensure the stability and security of the funds to be redeemed during the transaction registration process; determines the subscription shares of the second virtual resource product based on the frozen virtual resources corresponding to the redemption amount of the first virtual resource product and the net asset value per unit of the second virtual resource product (i.e., the subscription shares of the second virtual resource product = the redemption amount of the first virtual product / the net asset value per unit of the second virtual resource product); determines the conversion trading date based on the order placement time in the conversion transaction record, and on the conversion trading date, deducts the conversion shares of the first virtual resource product from the user's wealth management account, adds the subscription shares of the second virtual resource product to the wealth management account, and transfers the virtual resources corresponding to the redemption amount obtained from redeeming the first virtual resource from the custody account of the first virtual resource product to the custody account of the second virtual resource product.

[0123] For example, assume that before the user submits the conversion, the number of shares of the first virtual resource product is N1, and the number of shares of the second virtual resource product is N2. If the conversion order requests to convert N3 shares of the first virtual resource product into the second virtual resource product, the net asset value per unit of the first virtual resource product is P1, and the net asset value per unit of the second virtual resource product is P2, then the redemption funds M1 obtained from redeeming the first virtual resource product can be determined as M1 = N3 * P1, and the subscription shares N4 of the second virtual resource product that can be subscribed are N4 = M1 / P2. After the conversion is completed, update the user's holding records for the first virtual resource product and the second virtual resource product. For example, the number of shares of the first virtual resource product is updated from N1 to (N1 - N3), and the number of shares of the second virtual resource product is updated from N2 to (N2 + N3), and transfer the funds M1 from the custody account of the first virtual resource product to the custody account of the second virtual resource product.

[0124] Thereafter, a transaction confirmation notice can be sent to the user terminal. This transaction confirmation notice contains detailed information about the conversion of the first virtual resource product and the second virtual resource product (such as the conversion date, conversion shares, transaction fees, etc.), and the transaction records can be audited and compliance checked to ensure the legality and compliance of the transaction.

[0125] Through the above steps, the real - time transaction registration for the conversion between different virtual resource products can be completed, ensuring that the user's conversion requests are accurately recorded and processed. Meanwhile, the execution of the scheduled task ensures that the conversion requests in the standby trading platform can be synchronized to the main trading platform in a timely manner, guaranteeing the consistency and integrity of the transaction data. This mechanism provides an effective guarantee for transaction continuity in case of the failure of the main trading platform, ensuring that users can continue to perform the conversion operations of virtual resource products.

[0126] It should be noted that when the main trading platform conducts transaction registration for trading orders (such as the above - mentioned subscription orders, redemption orders, and conversion orders), the trading date of the trading order (such as the above - mentioned subscription trading date, redemption trading date, and conversion trading date) is determined based on the order - placing time of the user's trading order on the standby trading platform. In addition, the trading rules formulated by the trading platform (such as subscription trading rules, redemption trading rules, and conversion trading rules) may affect the determination of the trading date (such as subscription confirmation time, redemption confirmation time, conversion confirmation time, and fund arrival time). Different types of virtual resource products may have different trading rules. For example, some virtual resource products may allow T + 0 redemption, while some virtual resource products may require T + 1 or longer trading confirmation (such as subscription confirmation, redemption confirmation, or conversion confirmation); in addition, the open state of the market also affects the actual trading date. For example, if the market is closed or on a holiday, the redemption date may be postponed. Therefore, the trading date is usually determined by the fund company or financial institution based on the above - mentioned factors comprehensively. When submitting a trading request, users usually receive an estimated confirmation date (such as redemption confirmation date and fund arrival date), and these dates will be adjusted according to the specific redemption rules and market conditions. Users should carefully read the relevant trading rules and terms before submitting a trading request to understand the determination method of the trading date and possible influencing factors.

[0127] Next, the exemplary application of the embodiment of the present application in a practical application scenario will be described.

[0128] See Figure 8 , Figure 8 is a schematic structural diagram of the processing system for virtual resource products provided by the embodiment of the present application. The system includes a main trading platform, a standby trading platform, and a transfer agent institution for virtual resource products (i.e., the transfer agent (TA, Transfer Agent) system of the fund company). Among them, the standby trading platform is a pre - configured trading platform that can immediately take over trading services in case of the failure of the main trading platform and can at least handle the basic trading needs of users. It is a simplified version of the main trading platform.

[0129] In practical applications, when a user triggers a transaction trigger operation through the front-end page of the main trading platform, if the main trading platform fails, a platform switching entry to the standby trading platform will be displayed for prompting. The user can switch to the standby trading platform through the platform switching entry and transfer virtual resource products in or out on the standby trading platform to generate corresponding transaction orders. However, this is not a real transaction. After the main trading platform resumes operation, the transaction orders need to be synchronized to the main trading platform through a scheduled task, and the transaction orders are registered for trading through the main trading platform and the transfer agency platform of the fund company to complete the real transaction. Among them, the clearing and settlement system can be used as a bridge to enable the main trading platform and the transfer agency platform of the fund company to register the transaction orders for trading. For example, the clearing and settlement system pulls the transaction orders from the database of the main trading platform and transfers the pulled transaction orders to the transfer agency platform of the fund company through an interface for trading registration.

[0130] Next, the processing method of the virtual resource product provided by the embodiment of the present application will be described from aspects such as the switching of the trading platform, the transfer of the virtual resource product, and the transfer out of the virtual resource product.

[0131] See Figure 9 , Figure 9 which is a schematic flowchart of the method for switching the trading platform provided by the embodiment of the present application. The method includes:

[0132] Step 201: In response to a query operation for the main trading platform, the front-end sends a query request to the main trading platform.

[0133] Among them, the query operation can be any operation triggered by the user on the main trading platform, such as clicking virtual buttons like "buy", "sell", "subscribe", or "redeem". When the main trading platform is normal, these operations usually cause the main trading platform to execute corresponding trading logics.

[0134] Based on the query operation, the front-end sends a corresponding query request to the main trading platform to request to query whether the main trading platform has a failure.

[0135] Step 202: The main trading platform returns a failure prompt to the front-end.

[0136] Here, if the main trading platform returns a failure prompt in time, the failure prompt can be directly displayed on the front-end.

[0137] It should be noted that if the main trading platform fails to respond within the timeout period, that is, it does not return any failure prompt information and trading logic information to the front-end, the front-end can also send a query request to the announcement system to query whether the main trading platform has a failure through the announcement system. When the announcement system determines that the main trading platform has a failure, it can return a failure prompt to the front-end.

[0138] Step 203: The front-end display platform switches the entry.

[0139] Here, when the front-end receives a fault prompt from the primary trading platform, a platform switch entry for switching to the standby trading platform can be displayed.

[0140] Step 204: In response to a trigger operation on the platform switch entry, the front-end sends an information acquisition request to the standby trading platform.

[0141] Step 205: The standby trading platform returns the trading page data to the front-end.

[0142] Step 206: The front-end displays the trading page of the standby trading platform.

[0143] Among them, the information acquisition request is used to request the trading page information (i.e., the home page information) of the standby trading system. After the standby trading platform obtains the trading page information based on the information acquisition request, it returns the trading page information to the front-end, so that the front-end can display the trading page (i.e., the home page) provided by the standby trading platform based on the trading page information, and display trading controls in the trading page, such as transfer controls, withdrawal controls, etc., for users to place orders for virtual resource products based on the trading controls in the trading page provided by the standby trading platform.

[0144] It can be understood that if the trading page information of the standby trading platform is manually input by the user, it is also possible not to send an information data request to the standby trading platform, but directly display the corresponding trading page through the user's manual input.

[0145] Through the above method, in the case of a fault or unavailability of the primary trading platform, by switching to the standby trading platform and continuing to conduct virtual resource product trading on the standby trading platform, this combined method of the primary trading platform and the standby trading platform improves the fault tolerance of the trading platform, ensures that the standby trading platform can take over the trading service when the primary trading platform fails, ensures the continuity and availability of the trading service, and avoids trading interruptions and degraded user experience caused by the failure of the primary trading platform.

[0146] See Figure 10 , Figure 10 is a schematic flowchart of the purchase method of virtual resource products provided by an embodiment of the present application. The method includes:

[0147] Step 301: In response to a trigger operation on the purchase control, the front-end displays a purchase editing page.

[0148] Here, when the user triggers the purchase control or the transfer control on the trading page of the standby trading platform, the front-end responds to the trigger operation and displays a purchase editing page.

[0149] Step 302: In response to the purchase editing operation, the front end displays the edited purchase parameters on the purchase editing page.

[0150] Here, the user can edit the corresponding purchase parameters on the purchase editing page, such as the account identifier and account password of the financial management account, the product identifier (such as product name or product code) of the target virtual resource product to be purchased, and the purchase amount (such as the transferred amount), and can set the payment method (such as third-party payment, bank card payment, etc.); after the user edits the purchase parameters, the purchase confirmation operation can be triggered (such as triggering the purchase confirmation control).

[0151] Step 303: In response to the purchase confirmation operation, the backup trading platform verifies the legality of the financial management account based on the account identifier and account password.

[0152] Here, when generating a purchase order based on the purchase parameters, the backup trading platform can verify the legality of the financial management account based on the account identifier and account password, such as querying the reserved password corresponding to the account identifier from the database based on the account identifier edited by the user, and comparing the account password edited by the user with the reserved password corresponding to the account identifier stored in the database. When the account password edited by the user is consistent with the reserved password stored in the database, it is considered that the legality verification is passed.

[0153] Step 304: In the case where the legality verification is passed, the backup trading platform generates a purchase order for the target virtual resource product and sets the status of the purchase order to pending payment.

[0154] Step 305: The backup trading platform sends the payment link corresponding to the payment method to the front end.

[0155] Here, in the case where the user has not made a payment, the backup trading platform sends the payment link corresponding to the payment method pre-set by the user to the front end.

[0156] Step 306: The front end displays the payment page of the purchase order.

[0157] Here, the front end displays the corresponding payment page based on the payment link. If the payment method set by the user is third-party payment, the payment page of the third-party payment platform will be popped up.

[0158] Step 307: In response to the payment confirmation operation triggered based on the payment page, the front end sends a payment confirmation request to the payment system.

[0159] Here, the user can confirm the payment amount (such as the purchase amount edited by the user above) on the payment page, and after entering the payment password, the front end can capture the payment confirmation operation and send a payment confirmation request to the payment system (such as the third-party payment system).

[0160] Step 308: The payment system sends a payment success prompt to the backup trading platform.

[0161] Here, when the payment system determines that the user has completed the payment based on the payment confirmation request, it can transfer the funds paid from the user account associated with the payment method (i.e., the virtual resources of the above-mentioned subscription amount) to the backup account of the payment system and send the payment success result to the backup trading platform.

[0162] Step 309: The backup trading platform updates the status of the subscription order to "paid".

[0163] Here, when the backup trading platform receives the payment success prompt, it updates the status of the subscription order from "pending payment" to "paid", which means that the subscription order has been successfully submitted. Subsequently, the timed task will synchronize the subscription order generated on the backup trading platform to the main trading platform and report it to the fund company to complete the order registration.

[0164] In the above way, when the main trading platform fails, users can easily subscribe to virtual resource products on the backup trading platform. The entire subscription process on the backup trading platform ensures the security and reliability of the subscription operation and provides users with a convenient payment experience.

[0165] Step 310: The backup trading platform synchronizes the subscription order to the main trading platform in response to meeting the order synchronization conditions.

[0166] Here, after the backup trading platform generates a subscription order for the target virtual resource product, it regularly (such as every hour, every day, etc.) detects whether the main trading link of the main trading platform has resumed availability through a timed task. When it detects that the main trading link of the main trading platform has resumed and there are subscription orders to be synchronized in the backup trading platform, it synchronizes the subscription orders to be synchronized to the main trading platform, which can improve the timeliness of synchronization.

[0167] Step 311: The main trading platform conducts transaction registration for the subscription order.

[0168] In practical applications, the role of the backup trading platform is to provide temporary trading services when the primary trading platform is unavailable. However, the final confirmation and management of transactions still rely on the primary trading platform. After the backup trading platform synchronizes the subscription orders to the primary trading platform, the primary trading platform conducts transaction registration for the subscription orders. Among them, the transaction registration mainly creates a subscription transaction record on the primary trading platform. The subscription transaction record includes information such as the product identifier of the target virtual resource product being subscribed, the subscription amount, and the transaction date (i.e., the order placement time of the subscription order). Then, the transaction record is reported to the TA system of the fund company where the target virtual resource product is located. The TA system of the fund company determines the time when the subscription order is placed on the backup trading platform as the time when the subscription transaction occurs, and determines the subscription trading date based on this time (following the determination method of the fund subscription date). In addition, according to the subscription amount and the unit net value of the target virtual product, the subscription share of the target virtual resource product is determined (e.g., subscription share = subscription amount / unit net value). On the subscription trading date, the target virtual resource product with the subscription share is added (or registered) to the user's wealth management account on the trading platform, and the virtual resources of the subscription amount are transferred from the backup account to the custody account of the target virtual resource product (referring to an account managed by a third-party financial institution such as a bank or a trust company, which is used to hold the assets of investors to ensure the safety and independence of the assets), thus completing the subscription transaction. After that, the primary trading platform can send a transaction confirmation notice to the front end. This transaction confirmation notice contains detailed information about the subscription of the target virtual resource product (such as the transaction time, subscription share, etc.), and can conduct audits and compliance checks on the transaction records to ensure the legality and compliance of the transactions.

[0169] Through the above steps, the synchronization of transaction orders ensures that the transactions in the backup trading platform can be timely synchronized to the primary trading platform, guaranteeing the consistency and integrity of transaction data. This mechanism can achieve true transaction registration, ensuring that users' subscription requests are accurately recorded and processed, providing an effective guarantee for transaction continuity in case of primary trading platform failures, and ensuring that users can continue to conduct subscription operations for wealth management products.

[0170] See Figure 11 , Figure 11 is a schematic flowchart of the redemption method of the virtual resource product provided by the embodiment of the present application. The method includes:

[0171] Step 401: The front end displays a redemption editing page in response to a trigger operation on the redemption control.

[0172] Here, when the user triggers the redemption control or the transfer control on the trading page of the backup trading platform, the front end displays a redemption editing page in response to this trigger operation.

[0173] Step 402: In response to the redemption editing operation, the front end displays the edited redemption parameters on the redemption editing page.

[0174] Here, the user can edit the corresponding redemption parameters on the redemption editing page, such as the account identifier (e.g., account number) and account password (i.e., the transaction password pre-set by the user) of the wealth management account, the product identifier (e.g., product name or product code) of the target virtual resource product to be redeemed, the redemption share (e.g., transfer-out share or transfer-out ratio), and can set the transfer-out user account (also known as the receiving account, which is used to receive the funds redeemed from the wealth management account and can be the user's third-party wealth management account, bank card account, etc.); after the user edits the redemption parameters, the purchase confirmation operation can be triggered (e.g., trigger the redemption confirmation control).

[0175] Step 403: In response to the purchase confirmation operation, the backup trading platform verifies the legitimacy of the wealth management account based on the account identifier and account password.

[0176] Here, when generating a redemption order based on the redemption parameters, the backup trading platform can verify the legitimacy of the wealth management account based on the account identifier and account password. For example, it queries the reserved password corresponding to the account identifier from the database based on the account identifier edited by the user, and compares the account password edited by the user with the reserved password corresponding to the account identifier stored in the database. When the account password edited by the user is consistent with the reserved password stored in the database, it is considered that the legitimacy verification is passed.

[0177] Step 404: If the legitimacy verification is passed, the backup trading platform generates a redemption order for the target virtual resource product.

[0178] Step 405: In response to meeting the order synchronization condition, the backup trading platform synchronizes the redemption order to the main trading platform.

[0179] Here, after the backup trading platform generates a redemption order for the target virtual resource product, it regularly (e.g., every hour, every day, etc.) detects whether the main trading link of the main trading platform is restored and available through a scheduled task. When it detects that the main trading link of the main trading platform is restored and there is a redemption order to be synchronized in the backup trading platform, it synchronizes the redemption order to be synchronized to the main trading platform, which can improve the timeliness of synchronization.

[0180] Step 406: The main trading platform conducts transaction registration for the redemption order.

[0181] Here, after the backup trading platform synchronizes the redemption order to the main trading platform, the main trading platform conducts a validity check on the redemption order. For example, it checks whether the number of redemption shares requested by the user does not exceed the number of target virtual resource products in the user's wealth management account. When the number of redemption shares requested by the user does not exceed the number of target virtual resource products in the user's wealth management account, the redemption order is considered valid. In the case of a valid redemption order, a redemption transaction record for the target virtual resource product is created. The redemption transaction record includes information such as the product identifier of the target virtual resource product to be redeemed, the redemption share, and the redemption transaction date (i.e., the order placement time of the redemption order), and the redemption transaction record is reported to the TA system of the fund company where the target virtual resource product is located.

[0182] Based on the redemption share and the unit net value of the target virtual product, the TA system of the fund company determines the redemption amount of the target virtual resource product (e.g., redemption amount = redemption share * unit net value), and freezes the virtual resources corresponding to the redemption amount in the wealth management account, that is, freezes the funds corresponding to the redemption amount in the wealth management account, to ensure the stability and security of the funds to be redeemed during the transaction registration process. On the redemption trading day determined based on the order placement time in the redemption transaction record, the corresponding redemption share is deducted from the user's wealth management account, the holding record of the user for the target virtual resource product is updated, and the virtual resources corresponding to the redemption amount are transferred from the wealth management account (i.e., the custody account of the target virtual resource product) to the user's account (which is the bank account pre-set by the user or other designated receiving accounts). It should be noted that if the redemption transaction fails or is revoked, the previously frozen funds need to be unfrozen and the unfrozen funds are returned to the wealth management account.

[0183] After that, a transaction confirmation notice can be sent to the user terminal. This transaction confirmation notice contains detailed information about the redemption of the target virtual resource product (such as redemption date, redemption share, redemption amount, transaction fees, etc.), and the transaction record can be audited and compliance-checked to ensure the legality and compliance of the transaction.

[0184] Through the above steps, the real transaction registration of fund redemption can be completed, ensuring that the user's redemption request is accurately recorded and processed. At the same time, the execution of the scheduled task ensures that the redemption requests in the backup trading platform can be synchronized to the main trading platform in a timely manner, guaranteeing the consistency and integrity of the trading data. This mechanism provides an effective guarantee for trading continuity in the event of a failure of the main trading platform, ensuring that users can continue to perform fund redemption operations.

[0185] So far, the processing method of the virtual resource product provided in the embodiment of the present application has been described in combination with the exemplary application and implementation of the electronic device provided in the embodiment of the present application. Next, the cooperation of each module in the virtual resource product processing device 555 provided in the embodiment of the present application to implement the processing solution of the virtual resource product will be continued.

[0186] An entrance display module 5551, configured to display a platform switching entrance for switching to a standby trading platform for trading virtual resource products in response to a trading trigger operation for a main trading platform when the main trading platform fails to respond. A platform switching module 5552 is configured to switch to the standby trading platform in response to a platform switching operation triggered based on the platform switching entrance, and display trading controls on a trading page of the standby trading platform. An order determination module 5553 is configured to determine a trading order for a target virtual resource product in response to an order placement operation triggered based on the trading controls. An order synchronization module 5554 is configured to synchronize the trading order to the main trading platform in response to meeting an order synchronization condition, and perform trading registration on the trading order through the main trading platform, so as to perform a substantial transaction on the target virtual resource product based on the order placement time of the trading order.

[0187] In some embodiments, the entrance display module is further configured to display the platform switching entrance in one of the following ways: display a platform switching control and use the platform switching control as the platform switching entrance; display a switching prompt message for prompting to switch to the standby trading platform and use the switching prompt message as the platform switching entrance; display a network link for indicating switching to the standby trading platform and use the network link as the platform switching entrance; display a graphic code for indicating switching to the standby trading platform and use the graphic code as the platform switching entrance.

[0188] In some embodiments, before switching to the standby trading platform, the platform switching module is further configured to, if the platform switching entrance is a platform switching control, display a voice input prompt message in response to a trigger operation for the platform switching control; and receive the platform switching operation in response to a target voice indicating switching to the standby trading platform being input based on the voice input prompt message.

[0189] In some embodiments, before switching to the standby trading platform, the platform switching module is further configured to, if the platform switching entrance is a platform switching control, display a gesture drawing area in response to a trigger operation for the platform switching control; receive a first gesture drawn in the gesture drawing area in response to a gesture drawing operation; and receive the platform switching operation in response to the first gesture matching a second gesture indicating switching to the standby trading platform.

[0190] In some embodiments, before switching to the standby trading platform, the platform switching module is further configured to, if the platform switching entrance is the graphic code, receive the platform switching operation in response to an identification operation for the graphic code.

[0191] In some embodiments, the order determination module is further configured to, if the transaction control is a purchase control for purchasing a virtual resource product, display a purchase editing page in response to a trigger operation on the purchase control; in response to a purchase editing operation, display the edited purchase parameters in the purchase editing page, where the purchase parameters include: the account identifier and account password of the financial management account, the product identifier and purchase amount of the target virtual resource product to be purchased, and the payment method; in response to a purchase confirmation operation, determine a purchase order for the target virtual resource product, and use the purchase order as the transaction order; where the purchase order is used to request the purchase of the target virtual resource product for the purchase amount and add the purchased target virtual resource product to the financial management account.

[0192] In some embodiments, the order determination module is further configured to, in response to a purchase confirmation operation, perform a legality verification on the financial management account based on the account identifier and the account password; in the case where the legality verification is passed, generate a purchase order for the target virtual resource product, where the status of the purchase order is to be paid, and display the payment page of the purchase order; in response to a payment confirmation operation triggered based on the payment page, transfer the virtual resources of the purchase amount from the user account associated with the payment method to a standby account, and update the status of the purchase order from to be paid to paid.

[0193] In some embodiments, the order synchronization module is further configured to, based on the purchase order, create a purchase transaction record for the target virtual resource product on the main trading platform, where the purchase transaction record includes: the product identifier of the target virtual resource product, the purchase amount, and the order placement time of the purchase order; send the purchase transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the purchase share of the target virtual resource product based on the purchase amount and the unit net value of the target virtual product, and add the target virtual resource product of the purchase share to the financial management account on the purchase trading day determined based on the order placement time in the purchase transaction record, and transfer the virtual resources of the purchase amount from the standby account to the custody account of the target virtual resource product.

[0194] In some embodiments, the order determination module is further configured to, if the transaction control is a redemption control for redeeming a virtual resource product from a financial management account, display a redemption editing page in response to a triggering operation on the redemption control; in response to a redemption editing operation, display the edited redemption parameters in the redemption editing page, where the redemption parameters include: the account identifier and account password of the financial management account, the product identifier and redemption share of the target virtual resource product to be redeemed, and the user account to which the virtual resources obtained by redeeming the target virtual product are transferred; in response to a redemption confirmation operation, generate a redemption order for the target virtual resource product and use the redemption order as the transaction order; wherein, the redemption order is used to request redeeming the target virtual resource product of the redemption share from the financial management account and transferring the virtual resources obtained by redeeming the target virtual resource product of the redemption share to the user account.

[0195] In some embodiments, the order synchronization module is further configured to detect the validity of the redemption order through the main trading platform, and create a redemption transaction record for the target virtual resource product when the redemption order is valid; wherein, the redemption transaction record includes: the product identifier of the target virtual resource product, the redemption share, and the order placement time of the redemption order; send the redemption transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the target virtual resource product based on the redemption share and the unit net value of the target virtual product, and freeze the virtual resources of the redemption amount in the financial management account, so as to transfer the virtual resources of the redemption amount from the financial management account to the user account on the redemption trading day determined based on the order placement time in the redemption transaction record.

[0196] In some embodiments, the target virtual resource product includes a first virtual resource product and a second virtual resource product, and the order determination module is further configured to, if the transaction control is a conversion control for converting different virtual resource products in a financial management account, display a conversion editing page in response to a triggering operation on the conversion control; in response to a conversion editing operation, display the edited conversion parameters in the conversion editing page, where the conversion parameters include: the account identifier and account password of the financial management account, the first product identifier of the first virtual resource product to be redeemed, the second product identifier of the second virtual resource product to be subscribed, and the conversion share; in response to a conversion confirmation operation, determine a conversion order for the target virtual resource product and use the conversion order as the transaction order; wherein, the conversion order is used to request converting the first virtual resource product of the conversion share in the financial management account into the second virtual resource product.

[0197] In some embodiments, the order synchronization module is further configured to detect the validity of the conversion order through the main trading platform, and create a conversion transaction record for the target virtual resource product when the conversion order is valid; wherein, the conversion transaction record includes: the first product identifier, the second product identifier, the conversion share, and the order placement time of the conversion order; send the conversion transaction record to the transfer agent of the target virtual resource product through the main trading platform, so that the transfer agent determines the redemption amount of the first virtual resource product based on the conversion share and the unit net value of the first virtual resource product, freezes the virtual resources of the redemption amount of the first virtual resource product, and determines the subscription share of the second virtual resource product based on the frozen virtual resources of the redemption amount and the unit net value of the second virtual resource product, so as to deduct the conversion share of the first virtual resource product from the financial management account on the conversion trading day determined based on the order placement time in the conversion transaction record, add the second virtual resource product of the subscription share to the financial management account, and transfer the virtual resources of the redemption amount from the custody account of the first virtual resource product to the custody account of the second virtual resource product.

[0198] In some embodiments, after determining the transaction order for the target virtual resource product, the apparatus further includes: an order cancellation module, configured to respond to an order cancellation request, and cancel the transaction order through the backup trading platform when the transaction order has not been synchronized to the main trading platform when the order cancellation request is triggered.

[0199] In some embodiments, after registering the transaction order through the main trading platform, the apparatus further includes a notification receiving module, configured to receive a transaction confirmation notification, where the transaction confirmation notification is used to prompt the transaction details and transaction results for the target virtual resource product.

[0200] In some embodiments, before synchronizing the transaction order to the main trading platform, the order synchronization module is further configured to determine that the order synchronization condition is met in response to the main trading platform becoming available again; or determine that the order synchronization condition is met in response to the number of transaction orders to be synchronized reaching a threshold.

[0201] An embodiment of the present application provides a computer program product, which includes a computer program or computer executable instructions, and the computer program or computer executable instructions are stored in a computer-readable storage medium. The processor of the electronic device reads the computer executable instructions from the computer-readable storage medium, and the processor executes the computer executable instructions, so that the electronic device executes the processing method of the virtual resource product in the embodiments of the present application.

[0202] An embodiment of the present application provides a computer-readable storage medium storing computer-executable instructions, in which computer-executable instructions or a computer program are stored. When the computer-executable instructions or the computer program are executed by a processor, the processor will be caused to execute the processing method of the virtual resource product provided by the embodiment of the present application. For example, as Figure 3 shown in the processing method of the virtual resource product.

[0203] In some embodiments, the computer-readable storage medium may be a memory such as FRAM, ROM, PROM, EPROM, EEPROM, flash memory, magnetic surface memory, optical disc, or CD-ROM; or may be various devices including one or any combination of the above memories.

[0204] In some embodiments, the computer-executable instructions may be in the form of a program, software, software module, script, or code, and may be written in any form of programming language (including compiled or interpreted languages, or declarative or procedural languages), and may be deployed in any form, including being deployed as an independent program or being deployed as a module, component, subroutine, or other unit suitable for use in a computing environment.

[0205] As an example, the computer-executable instructions may or may not correspond to a file in the file system, and may be stored as part of a file storing other programs or data. For example, they may be stored in one or more scripts in a HyperText Markup Language (HTML) document, stored in a single file dedicated to the program being discussed, or stored in multiple cooperating files (for example, files storing one or more modules, subroutines, or code portions).

[0206] As an example, the computer-executable instructions may be deployed to be executed on one electronic device, or on multiple electronic devices located at one location, or on multiple electronic devices distributed at multiple locations and interconnected by a communication network.

[0207] As described above, the above are only embodiments of the present application and are not used to limit the protection scope of the present application. Any modifications, equivalent replacements, and improvements made within the spirit and scope of the present application are included in the protection scope of the present application.

Claims

1. A method for processing a virtual resource product, characterized in that: The method comprises: In response to a transaction triggering operation on a primary trading platform, if the primary trading platform does not respond, displaying a platform switching entrance, the platform switching entrance being used to switch to a backup trading platform for trading virtual resource products; In response to a platform switching operation triggered by the platform switching entry, switching to the standby trading platform, and displaying a trading control in a trading page of the standby trading platform; In response to an order placement operation triggered by the transaction control, determining a transaction order for a target virtual resource product; In response to satisfying the order synchronization condition, the transaction order is synchronized to the main transaction platform, and the transaction order is registered through the main transaction platform to conduct a substantial transaction on the target virtual resource product based on the order placement time of the transaction order.

2. The method according to claim 1, characterized in that: The display platform switching entrance includes: Display the platform switching entrance in one of the following ways: Display a platform switching control, and use the platform switching control as the platform switching entry; Displaying switching prompt information for prompting switching to the standby trading platform, and using the switching prompt information as the platform switching entry; Displaying a network link for indicating switching to the backup trading platform, and using the network link as the platform switching entry; A graphic code for indicating switching to the backup trading platform is displayed, and the graphic code is used as the platform switching entrance.

3. The method according to claim 2, characterized in that Before switching to the backup trading platform, the method further includes: If the platform switching entry is a platform switching control, in response to a triggering operation on the platform switching control, displaying a voice input prompt message; In response to entering a target voice indicating switching to the backup trading platform based on the voice entry prompt information, the platform switching operation is received.

4. The method according to claim 2, characterized in that: Before switching to the backup trading platform, the method further includes: If the platform switching entry is a platform switching control, in response to a triggering operation on the platform switching control, displaying a gesture drawing area; In response to a gesture drawing operation, receiving a first gesture drawn in the gesture drawing area; The platform switching operation is received in response to the first gesture matching a second gesture indicating a switch to the alternate trading platform.

5. The method according to claim 2, characterized in that: Before switching to the backup trading platform, the method further includes: If the platform switching entry is the graphic code, the platform switching operation is received in response to a recognition operation on the graphic code.

6. The method according to claim 1, characterized in that The step of determining a transaction order for a target virtual resource product in response to an order placement operation triggered by the transaction control includes: If the transaction control is a purchase control for purchasing virtual resource products, in response to a trigger operation on the purchase control, a purchase editing page is displayed; In response to the purchase editing operation, the edited purchase parameters are displayed in the purchase editing page, the purchase parameters including: the account ID and account password of the financial management account, the product ID and purchase amount of the target virtual resource product to be purchased, and the payment method; In response to the purchase determination operation, determining a purchase order for the target virtual resource product, and using the purchase order as the transaction order; The purchase order is used to request to purchase the target virtual resource product of the purchase amount, and add the purchased target virtual resource product to the financial management account.

7. The method according to claim 6, characterized in that The step of determining a purchase order for the target virtual resource product in response to the purchase determination operation includes: In response to the subscription confirmation operation, verifying the legitimacy of the financial management account based on the account identifier and the account password; If the legality verification is passed, a purchase order for the target virtual resource product is generated, the status of the purchase order is to be paid, and a payment page of the purchase order is displayed; In response to a payment confirmation operation triggered based on the payment page, the virtual resources of the purchase amount are transferred from the user account associated with the payment method to the standby account, and the status of the purchase order is updated from pending payment to paid.

8. The method according to claim 7, characterized in that The registering the transaction order through the main transaction platform includes: Based on the purchase order, creating a purchase transaction record for the target virtual resource product on the main trading platform, the purchase transaction record including: the product identifier of the target virtual resource product, the purchase amount, and the order time of the purchase order; The purchase transaction record is sent to the transfer agency of the target virtual resource product through the main trading platform, so that the transfer agency determines the purchase share of the target virtual resource product based on the purchase amount and the unit net value of the target virtual product. On the subscription transaction day determined based on the order time in the subscription transaction record, the target virtual resource product of the subscription share is added to the wealth management account, and the virtual resources of the subscription amount are transferred from the standby account to the escrow account of the target virtual resource product.

9. The method according to claim 1, characterized in that: The step of determining a transaction order for a target virtual resource product in response to an order placement operation triggered by the transaction control includes: If the transaction control is a redemption control for redeeming a virtual resource product from a financial management account, in response to a trigger operation on the redemption control, a redemption editing page is displayed; In response to the redemption editing operation, the edited redemption parameters are displayed in the redemption editing page, the redemption parameters including: the account ID and account password of the financial management account, the product ID and redemption share of the target virtual resource product to be redeemed, and the user account to which the virtual resources obtained by redeeming the target virtual product are transferred; In response to the redemption determination operation, generating a redemption order for the target virtual resource product, and using the redemption order as the transaction order; The redemption order is used to request to redeem the target virtual resource product of the redemption share from the financial management account, and to transfer the virtual resources obtained by redeeming the target virtual resource product of the redemption share to the user account.

10. The method according to claim 9, characterized in that The registering the transaction order through the main transaction platform includes: The redemption order is tested for validity through the main trading platform, and if the redemption order is valid, a redemption transaction record for the target virtual resource product is created; wherein the redemption transaction record includes: the product identification of the target virtual resource product, the redemption share, and the order time of the redemption order; The redemption transaction record is sent to the transfer agency of the target virtual resource product through the main trading platform, so that the transfer agency determines the redemption amount of the target virtual resource product based on the redemption share and the unit net value of the target virtual product, and freezes the virtual resources of the redemption amount in the financial management account. On a redemption transaction date determined based on the order time in the redemption transaction record, the virtual resources of the redemption amount are transferred from the financial management account to the user account.

11. The method according to claim 1, characterized in that The target virtual resource product includes a first virtual resource product and a second virtual resource product, and the step of determining a transaction order for the target virtual resource product in response to an order placement operation triggered by the transaction control includes: If the transaction control is a conversion control for converting different virtual resource products in a financial management account, in response to a trigger operation on the conversion control, a conversion editing page is displayed; In response to the conversion editing operation, the edited conversion parameters are displayed in the conversion editing page, the conversion parameters including: the account ID and account password of the financial account, the first product ID of the first virtual resource product to be redeemed, the second product ID of the second virtual resource product to be purchased, and the conversion share; In response to the conversion determination operation, determining a conversion order for the target virtual resource product, and using the conversion order as the transaction order; The conversion order is used to request the conversion of the first virtual resource product of the conversion share in the financial management account into the second virtual resource product.

12. The method according to claim 11, characterized in that The registering the transaction order through the main transaction platform includes: The conversion order is tested for validity through the main trading platform, and if the conversion order is valid, a conversion transaction record for the target virtual resource product is created; wherein the conversion transaction record includes: the first product identifier, the second product identifier, the conversion share, and the order time of the conversion order; The conversion transaction record is sent to the transfer agency of the virtual resource product through the main trading platform, so that the transfer agency determines the redemption amount of the first virtual resource product based on the conversion share and the unit net value of the first virtual resource product, freezes the virtual resources of the redemption amount of the first virtual resource product, and determines the subscription share of the second virtual resource product based on the frozen virtual resources of the redemption amount and the unit net value of the second virtual resource product. On the conversion transaction day determined based on the order time in the conversion transaction record, the conversion share of the first virtual resource product is deducted from the wealth management account, the subscription share of the second virtual resource product is added to the wealth management account, and the virtual resources of the redemption amount are transferred from the escrow account of the first virtual resource product to the escrow account of the second virtual resource product.

13. The method according to claim 1, characterized in that After determining the transaction order for the target virtual resource product, the method further includes: In response to an order cancellation request, if the transaction order has not been synchronized to the main trading platform when the order cancellation request is triggered, cancel the transaction order through the backup trading platform.

14. The method according to claim 1, characterized in that After registering the transaction order through the main transaction platform, the method further includes: A transaction confirmation notification is received, wherein the transaction confirmation notification is used to prompt transaction details and transaction results for the target virtual resource product.

15. The method according to claim 1, characterized in that Before synchronizing the transaction order to the main transaction platform, the method further includes: In response to the main trading platform becoming available again, determining that an order synchronization condition is satisfied; or, In response to the number of transaction orders to be synchronized reaching a quantity threshold, it is determined that an order synchronization condition is satisfied.

16. A processing device for a virtual resource product, characterized in that: The device comprises: An entry display module, for responding to a transaction triggering operation on a primary trading platform, and displaying a platform switching entry when the primary trading platform does not respond, wherein the platform switching entry is used to switch to a backup trading platform for trading virtual resource products; A platform switching module, configured to switch to the standby trading platform in response to a platform switching operation triggered by the platform switching entry, and display trading controls in a trading page of the standby trading platform; An order determination module, configured to determine a transaction order for a target virtual resource product in response to an order placement operation triggered by the transaction control; The order synchronization module is used to synchronize the transaction order to the main transaction platform in response to meeting the order synchronization conditions, and register the transaction order through the main transaction platform to conduct actual transactions on the target virtual resource product based on the order placement time of the transaction order.

17. An electronic device, characterized in that: include: A memory for storing computer executable instructions or computer programs; The processor is used to implement the method for processing virtual resource products as described in any one of claims 1 to 15 when executing the computer executable instructions or computer programs stored in the memory.

18. A computer-readable storage medium, characterized in that: Computer executable instructions or computer programs are stored, and when the computer executable instructions or computer programs are executed by a processor, the processing method of the virtual resource product according to any one of claims 1 to 15 is implemented.

19. A computer program product comprising a computer program or computer executable instructions, characterized in that: When the computer program or computer executable instruction is executed by a processor, the method for processing a virtual resource product according to any one of claims 1 to 15 is implemented.

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