Electronic resource packet sending method and device, electronic resource packet receiving method and device, equipment and storage medium

Abstract

The invention discloses an electronic resource packet sending and receiving method and device, equipment and a storage medium, and relates to the field of human-computer interaction. The electronic resource packet sending method is executed by a first device used by a sending account, and comprises the following steps: obtaining a binding relationship between a first type of resource account and a second type of resource account, the resource types of the first type of resource account and the second type of resource account being different; in response to the creation operation, creating at least one electronic resource bundle in the first type of resource account, the at least one electronic resource bundle being sent by the sending account by using the first type of resource account instead of the second type of resource account; and in response to the sending operation, sending the at least one electronic resource packet, and deducting a second account balance of the second type of resource account based on the resource packet total amount of the at least one electronic resource packet. According to the scheme, the man-machine interaction efficiency is improved.

Description

Technical Field

[0001] This application relates to the field of human-computer interaction, and in particular to a method, apparatus, device, and storage medium for sending and receiving electronic resource packages. Background Technology

[0002] Electronic resource packages are a new type of resource distribution method. With the popularization of online consumption, users can send electronic resource packages to other users via the internet, and other users can claim electronic resource packages. This method breaks away from the traditional model of cash resource packages and is very popular among users.

[0003] In related technologies, a user sends an electronic resource package to other users using a resource account. Upon confirmation of sending the electronic resource package, the sender's resource account balance is deducted accordingly. However, this method is relatively simplistic, resulting in low efficiency in human-computer interaction. Summary of the Invention

[0004] This application provides a method, apparatus, device, and storage medium for sending and receiving electronic resource packages. The technical solution is as follows: On one hand, a method for sending an electronic resource package is provided, the method being performed by a first device used by a sending account; the method includes: Obtain the binding relationship between a first type of resource account and a second type of resource account, wherein the resource types of the first type of resource account and the second type of resource account are different; In response to the creation operation, at least one electronic resource package is created in the first type of resource account, wherein the at least one electronic resource package is sent by the sending account using the first type of resource account instead of the second type of resource account; In response to the sending operation, the at least one electronic resource package is sent, and the second account balance of the second type of resource account is deducted based on the total resource package amount of the at least one electronic resource package.

[0005] In some embodiments, sending a binding request to the second type of resource account in response to the binding operation includes: In response to the binding operation, the identification information of the second type of resource account is received; The system will redirect to the verification interface and receive the first key information of the resource account of the first type. In response to the first key information being verified, the binding request is sent to the second type of resource account.

[0006] In some embodiments, the method further includes: Store the binding relationship between the first type of resource account and the second type of resource account; The binding relationship includes: a first type of resource account identifier, a second type of resource account identifier, a first user account identifier, and a second user account identifier.

[0007] In some embodiments, the method further includes: Query the resource package status of the at least one electronic resource package; In response to the first electronic resource package being in an unsettled and expired state, the resource package sub-quota of the first electronic resource package is returned to the second type of resource account; In response to the fact that the second electronic resource package of the at least one electronic resource package is in an unsettled and claimed state, the resource package sub-amount of the second electronic resource package is paid to the first type of resource account.

[0008] In some embodiments, returning the resource package sub-quota of the first electronic resource package to the second type of resource account includes: Based on the exchange ratio between the first type of resource account and the second type of resource account locked for the at least one electronic resource package, and the resource package sub-quota of the first electronic resource package, the refund amount for the second type of resource account is determined. The refund amount will be returned to the second type of resource account.

[0009] In some embodiments, the step of paying the resource package amount of the second electronic resource package to the first type of resource account includes: Based on the exchange ratio between the first type of resource account and the second type of resource account locked for the at least one electronic resource package, and the resource package sub-amount of the second electronic resource package, the payment amount of the second type of resource account is determined. The payment amount for the total resource package amount of the at least one electronic resource package in the deduction amount corresponding to the second type of resource account will be paid to the first type of resource account.

[0010] On the other hand, a method for receiving an electronic resource package is provided, the method being performed by a second device used by the receiving account; the method includes: At least one electronic resource package redemption interface is displayed for the first type of resource account; In response to the claiming operation, a second electronic resource package of the at least one electronic resource package is claimed, and the first account balance of the first type of resource account is increased based on the resource package sub-quota of the second electronic resource package; The at least one electronic resource package is created and sent by the sending account using the first type of resource account instead of the second type of resource account. The total resource package amount of the at least one electronic resource package is deducted from the second account balance of the second type of resource account. The first type of resource account and the second type of resource account are bound together, and the resource types of the first type of resource account and the second type of resource account are different.

[0011] In some embodiments, the method further includes: Display a successful claim message in the first type of resource account, and change the resource package status of the second electronic resource package from unclaimed to claimed. The success message indicates that the second electronic resource package has been successfully received.

[0012] On the other hand, an electronic resource package sending device is provided, the device being used to implement a first device for sending accounts; the device includes: The acquisition module is used to acquire the binding relationship between a first type of resource account and a second type of resource account, wherein the resource types of the first type of resource account and the second type of resource account are different; A creation module is configured to, in response to a creation operation, create at least one electronic resource package in the first type of resource account, wherein the at least one electronic resource package is sent by the sending account using the first type of resource account instead of the second type of resource account; A sending module is configured to, in response to a sending operation, send the at least one electronic resource package, and, based on the total resource package amount of the at least one electronic resource package, deduct the second account balance of the second type of resource account.

[0013] On the other hand, an electronic resource package retrieval device is provided, the device being used as a second device for retrieving an account; the device includes: The display module is used to display an interface for claiming at least one electronic resource package in the first type of resource account; The receiving module is configured to, in response to the receiving operation, receive a second electronic resource package from the at least one electronic resource package, and, based on the resource package sub-quota of the second electronic resource package, increase the first account balance of the first type of resource account; The at least one electronic resource package is created and sent by the sending account using the first type of resource account instead of the second type of resource account. The total resource package amount of the at least one electronic resource package is deducted from the second account balance of the second type of resource account. The first type of resource account and the second type of resource account are bound together, and the resource types of the first type of resource account and the second type of resource account are different.

[0014] On the other hand, a computer device is provided, the computer device comprising: a processor and a memory, the memory storing a computer program, the computer program being loaded and executed by the processor to implement the method for sending and / or receiving electronic resource packages as described above.

[0015] On the other hand, a computer-readable storage medium is provided, which stores a computer program that is loaded and executed by a processor to implement the method for sending and / or receiving electronic resource packages as described above.

[0016] On the other hand, a computer program product is provided, the computer program product including computer instructions stored in a computer-readable storage medium, wherein a processor obtains the computer instructions from the computer-readable storage medium, causing the processor to load and execute them to implement the method for sending and / or receiving electronic resource packages as described above.

[0017] The beneficial effects of the technical solutions provided in this application include at least the following: This application provides a method for sending electronic resource packages across resource accounts. A first type of resource account and a second type of resource account are bound together, and the resource types of the first and second type of resource accounts are different. The sending account creates and sends at least one electronic resource package in the first type of resource account, and can deduct the balance of the second account in the second type of resource account based on the total resource package limit of the at least one electronic resource package. On the one hand, this achieves flexible deduction of funds from the sending account's resource account, enriching the deduction methods and channels compared to related technologies, and improving human-computer interaction efficiency. On the other hand, the sending account can clearly see the total resource package limit and can also realize resource turnover between different resource accounts, providing a transparent, efficient, and convenient human-computer interaction method, while still retaining the fun of electronic resource packages. Attached Figure Description

[0018] To more clearly illustrate the technical solutions in the embodiments of this application, the accompanying drawings used in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0019] Figure 1 This is a structural block diagram of a computer system provided in an exemplary embodiment of this application; Figure 2 This is a schematic diagram of an exemplary embodiment of the present application for transmitting an electronic resource package; Figure 3 This is a flowchart of an exemplary embodiment of the present application for a method of sending an electronic resource package; Figure 4 This is a schematic diagram of an exemplary embodiment of the present application for transmitting an electronic resource package; Figure 5 This is a schematic diagram of an exemplary embodiment of the present application for transmitting an electronic resource package; Figure 6 This is a flowchart illustrating a method for receiving an electronic resource package provided in an exemplary embodiment of this application; Figure 7 This is a flowchart of an exemplary embodiment of the present application for a method of sending an electronic resource package; Figure 8 This is a flowchart illustrating a method for receiving an electronic resource package provided in an exemplary embodiment of this application; Figure 9 This is a timing diagram of an exemplary embodiment of the method for sending an electronic resource package provided in this application; Figure 10 This is a timing diagram of an exemplary embodiment of the method for sending an electronic resource package provided in this application; Figure 11 This is a timing diagram of an exemplary embodiment of the present application for a method of receiving an electronic resource package; Figure 12 This is a block diagram of an electronic resource packet transmitting apparatus provided in an exemplary embodiment of this application; Figure 13 This is a block diagram of an electronic resource package retrieval device provided in an exemplary embodiment of this application; Figure 14 This is a structural block diagram of a computer device provided in an exemplary embodiment of this application. Detailed Implementation

[0020] To make the objectives, technical solutions, and advantages of this application clearer, the embodiments of this application will be described in further detail below with reference to the accompanying drawings.

[0021] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numerals in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0022] The terminology used in this application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application. The singular forms “a,” “the,” and “the” used in this application and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used herein refers to and includes any and all possible combinations of one or more of the associated listed items.

[0023] It should be understood that although the terms first, second, etc., may be used in this application to describe various information, this information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of this application, a first parameter may also be referred to as a second parameter, and similarly, a second parameter may also be referred to as a first parameter. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to determination."

[0024] It should be noted that this application may display prompt interfaces, pop-ups, or output voice prompts before and during the collection of user-related data (e.g., sending accounts, receiving accounts) and during the collection of user-related data. These prompt interfaces, pop-ups, or voice prompts are used to inform the user that their relevant data is being collected. This ensures that the application only begins executing the steps related to acquiring user-related data after receiving confirmation from the user regarding the prompt interface or pop-up. Otherwise, if no confirmation is received from the user, the steps to acquire user-related data are terminated, and no user-related data is acquired. In other words, all user data collected in this application is collected with the user's consent and authorization, and the collection, use, and processing of relevant user data must comply with the relevant laws, regulations, and standards of the relevant countries and regions.

[0025] First, a brief introduction to the terms used in the embodiments of this application: E-gift packages are a form of digital gift money, where funds are transferred via e-wallets. They are typically used in social settings, such as for holiday greetings, and feature time-sensitivity, refundability, and hidden amounts. Optionally, e-gift packages may include, but are not limited to, at least one of the following: e-red envelopes, e-item packages, e-asset packages, blockchain product packages, e-bond packages, e-securities packages, fund packages, and e-precious metal packages.

[0026] Multi-person random resource package: This is a form of electronic resource package for multiple participants. After the sending account sets the total amount of the resource package and the total number of participants, it automatically generates sub-resource packages with random amounts to be distributed to different receiving accounts. The amount of each sub-resource package is calculated independently, and the sum of them equals the total amount of the resource package.

[0027] An e-wallet is a digital payment tool that stores a user's payment information, such as bank cards and account balances, via electronic devices like mobile phones, smartwatches, and tablets. It allows users to complete fund transfers and payments online or offline. It is one of the core carriers of third-party payment systems and the most prevalent "cashless payment" tool in the digital economy era.

[0028] In some embodiments, the e-wallet is referred to as a resource account, and the balance in the e-wallet is referred to as the account balance. When the currencies in the e-wallet are different, they are referred to as a first type resource account and a second type resource account, respectively, and the first type resource account and the second type resource account have different resource types.

[0029] Third-party payment refers to payment services provided by professional institutions independent of buyers, sellers, and traditional financial institutions. These institutions utilize communication, computer, and information security technologies to build payment platforms, handling fund transfers and payment settlements for users. Their core role is as an intermediary, resolving trust issues in transactions, reducing payment costs, and improving overall efficiency. In the digital economy era, third-party payment has become a crucial financial infrastructure.

[0030] Bilateral account linking: Users establish identity associations in e-wallets in different countries. For example, linking e-wallet A and e-wallet B enables mutual recognition of accounts for cross-wallet operations.

[0031] Long-term exchange rate locking: This refers to a fixed exchange rate agreed upon in advance by the exchange rate provider and the exchange rate recipient, which is maintained for a specific period, such as 24 hours, regardless of market fluctuations. It is used for currency conversion calculations of the total amount of electronic resource packages and the amount of sub-resource packages.

[0032] Price Currency: This refers to the currency used by merchants to price goods, as seen by users during transactions. It's the monetary form used to indicate the price of goods in a transaction. Its core function is to allow users to directly understand the local price level of the goods in their country of origin.

[0033] Payment currency: This refers to the currency that a user chooses to pay when purchasing goods from a merchant. This is closely related to the user and the payment method they choose.

[0034] Response: Used to indicate the conditions or states on which the operation performed depends. When the conditions or states on which it depends are met, one or more operations performed can be performed in real time or with a set delay. Unless otherwise specified, there is no restriction on the order in which multiple operations are performed.

[0035] Figure 1 This is a structural block diagram of a computer system provided in an exemplary embodiment of this application. The computer system 100 can be a system architecture for implementing a method for sending and / or receiving electronic resource packages. The computer system 100 includes: a first terminal 120, a server 140, and a second terminal 160.

[0036] The first terminal 120 is a terminal used by the first user, who uses the first terminal 120 to send / receive electronic resource packages. The first terminal 120 has a client application installed and running that supports the sending / receiving of target application packages. Optionally, the target application includes, but is not limited to, at least one of the following: instant messaging applications, payment applications, financial applications, shopping applications, live streaming applications, lifestyle service applications, and game applications.

[0037] The first terminal 120 and the second terminal 160 are connected to the server 140 via a wireless network or a wired network.

[0038] Server 140 can be a standalone physical server, a server cluster or distributed system consisting of multiple physical servers, or a cloud server providing cloud computing services. Server 140 includes at least one of the following: a single server, multiple servers, a cloud computing platform, and a virtualization center.

[0039] Server 140 includes processor 144 and memory 142. Memory 142 includes receiving module 1421, control module 1422, and sending module 1423. Receiving module 1421 is used to receive requests sent by clients; control module 1422 is used to control the rendering of client screens; sending module 1423 is used to send responses to clients; server 140 is used to provide background services for clients of first terminal 120 and second terminal 160.

[0040] Optionally, server 140 undertakes the main computing work, and first terminal 120 and second terminal 160 undertake secondary computing work; or, server 140 undertakes secondary computing work, and first terminal 120 and second terminal 160 undertake the main computing work; or, server 140, first terminal 120 and second terminal 160 collaborate in a distributed computing architecture.

[0041] The second terminal 160 is a terminal used by the second user, who uses the second terminal 160 to send / receive electronic resource packages. The second terminal 160 has a client application installed and running that supports the sending / receiving of target applications. Optionally, the target application includes, but is not limited to, at least one of the following: instant messaging applications, payment applications, financial applications, shopping applications, live streaming applications, lifestyle service applications, and game applications.

[0042] In some embodiments, if a first user acts as the sending account and a second user acts as the receiving account, then the first user uses the first terminal 120 to send the electronic resource package, and the second user uses the second terminal 160 to receive the electronic resource package. Alternatively, if the first user acts as the receiving account and the second user acts as the sending account, then the first user uses the first terminal 120 to receive the electronic resource package, and the second user uses the second terminal 160 to send the electronic resource package. Alternatively, if the first user acts as both the sending and receiving account, then the first user uses the first terminal 120 to both send and receive the electronic resource package. Alternatively, if the second user acts as both the sending and receiving account, then the second user uses the second terminal 160 to both send and receive the electronic resource package.

[0043] Optionally, the client of the target application installed and running on the first terminal 120 and the second terminal 160 is the same, or the client of the target application installed on the two terminals is the same type of client from different control system platforms. This application embodiment does not limit the form of the client installed on the first terminal 120 and the second terminal 160, including but not limited to Apps (Applications), mini-programs, etc., installed on the first terminal 120 and the second terminal 160, and can also be in web page form. The first terminal 120 can refer to one of multiple terminals, and the second terminal 160 can refer to one of multiple terminals; this embodiment only uses the first terminal 120 and the second terminal 160 as examples. The first terminal 120 and the second terminal 160 have the same device type, but different device models. This device type includes at least one of: smartphones, tablets, wearable devices, PCs (Personal Computers), laptops, and desktop computers. The following embodiments use smartphones as an example.

[0044] Those skilled in the art will understand that the number of the first terminal 120 and the second terminal 160 can be more or less. For example, if there is one first terminal 120 and one second terminal 160, then one sending account performs the sending of the electronic resource package, and one receiving account performs the receiving of the electronic resource package. Alternatively, if there are more first terminals 120 and / or second terminals 160, then one sending account performs the sending of the electronic resource package, and multiple receiving accounts perform the receiving of the electronic resource package; or, multiple sending accounts perform the sending of the electronic resource package, and one receiving account performs the receiving of the electronic resource package; or, multiple sending accounts perform the sending of the electronic resource package, and multiple receiving accounts perform the receiving of the electronic resource package. This application does not limit the number or device type of the first terminal 120 and the second terminal 160.

[0045] Electronic resource packages are a new type of resource distribution method. With the popularization of online consumption, users can send electronic resource packages to other users via the internet, and other users can receive electronic resource packages. This method breaks away from the traditional model of cash resource packages and is very popular among users.

[0046] In related technologies, a user sends an electronic resource package to other users using a resource account. Upon confirmation of sending the electronic resource package, the sender's resource account balance is deducted accordingly. However, this method is relatively simplistic, resulting in low efficiency in human-computer interaction.

[0047] In some embodiments, there are generally two types of recharge methods for resource accounts. First, recharging using a bank account in online scenarios. Users recharge their resource accounts by linking a bank card, such as a debit card or credit card. Users need to link their own bank card to the resource account and then complete the recharge through the following steps: for example, opening the "Recharge Center" or "Wallet Recharge," entering the amount (limit), selecting the linked bank card, and verifying the payment password or biometric identification, such as fingerprint / face recognition, to complete the recharge. Second, recharging using cash in offline scenarios. Some resource types support offline cash recharge, mainly targeting users without bank accounts or who prefer cash payments. Recharge locations can be convenience stores, supermarkets, or other places that provide cash recharge services.

[0048] In some embodiments, when users wish to transfer funds across multiple resource accounts, the core process relies on banks and the Society for Worldwide Interbank Financial Telecommunication (SWIFT) network. For each remittance, the initiator typically needs to fill in complex information such as the recipient's name, account number, SWIFT / BIC code, and IBAN number. During currency exchange, banks convert currencies at the real-time exchange rate, incurring additional fees, such as a wire transfer fee plus 0.1% of the remittance amount. Exchange rate quotes include hidden spreads, typically 1%-3%. If the recipient fails to receive the funds, the user often cannot get a refund of the fees when receiving the returned funds. Furthermore, when the returned funds are converted back to the original payment currency, the user must bear the additional risk of exchange rate fluctuations. Compared to electronic resource packages used in social scenarios, this type of common small-amount remittance involving multiple recipients is more costly.

[0049] This embodiment provides a method for transferring random resource packages across resource accounts based on a long-term exchange rate. It offers users diverse ways to send and receive electronic resource packages, flexibly deducting from and adding to users' resource accounts, thus improving human-computer interaction efficiency. Furthermore, this electronic resource package provides users with a transparent, efficient, convenient, and lossless human-computer interaction method. The sending account can clearly see the total amount of the resource package and the amount of the resource package received by the receiving account. The amount of the resource package received by the receiving account is credited to the first type of resource account within seconds. It also enables cross-resource account resource transfers between different resource accounts. Even if the electronic resource package is not claimed or not fully claimed, the amount paid by the sending account is fully returned according to the locked exchange rate, while still retaining the fun of random resource packages.

[0050] As an example, Figure 2 This is a schematic diagram of an exemplary embodiment of an electronic resource package sending method provided in this application. The method is executed by a first device used by the sending account; the first device may be... Figure 1 The first terminal 120 is shown. Taking the electronic resource package as an example of an electronic red envelope, the steps are briefly described as follows: Step 1: Obtain the binding relationship between the first type of resource account and the second type of resource account. The resource types of the first type of resource account and the second type of resource account are different; see reference. Figure 2 The first type of resource account is e-wallet A, and the second type of resource account is e-wallet B. The different resource types mean different currencies. For example, the currency of e-wallet A is currency X, and the currency of e-wallet B is currency Y.

[0051] Step 2: In response to the creation operation, create at least one e-package in the first type of resource account, whereby the sending account uses the first type of resource account instead of the second type of resource account; see reference. Figure 2 In response to the creation operation, at least one electronic red envelope is created in e-wallet A, and the red envelope sending interface 122 of [e-wallet B] provided by e-wallet A is displayed. This at least one electronic red envelope is sent by the sending account using e-wallet A instead of e-wallet B. In the red envelope sending interface 122 of [e-wallet B], the sending account edits the red envelope sending mode of at least one electronic red envelope: "[Mode Selection] Single Red Envelope / Multi-person Average Red Envelope / Multi-person Random Red Envelope", the total number of red envelopes: "[Number of People Setting] Slide bar selects 5 people", and the total amount of red envelopes: "[Amount Input] Total Amount: xxx Currency X (automatically converted to yyy Currency Y)". The blessing message is: "[Blessing Message Input] Happy New Year".

[0052] Step 3: In response to the sending operation, send at least one electronic resource packet, and deduct the second account balance of the second type resource account based on the total resource packet amount of the at least one electronic resource packet; (Refer to...) Figure 2 In the [Electronic Wallet B] red packet sending interface 122, the sending account clicks the "Send" button to send at least one electronic red packet. The first terminal 120 also deducts the balance of Electronic Wallet B based on the total amount of the at least one electronic red packet, "yyy currency Y".

[0053] Next, we will introduce the method for sending electronic resource packages: Figure 3 This is a flowchart illustrating a method for sending an electronic resource package according to an exemplary embodiment of this application. The method is executed by a first device used by the sending account; the first device may be... Figure 1 The first terminal 120 is shown. When there are multiple sending accounts, each sending account uses the first device to execute the sending method of the electronic resource packet. The method includes at least some of the steps 210, 220, and 230: Step 210: Obtain the binding relationship between the first type of resource account and the second type of resource account. The first type of resource account and the second type of resource account have different resource types.

[0054] Type 1 resource accounts and Type 2 resource accounts are accounts of the same user but with different resource types, or they are accounts of different resource types that different users authorize each other to use. For example, User 1 has both a Type 1 resource account and a Type 2 resource account. Or, User 1 has a Type 1 resource account, User 2 has a Type 2 resource account, and User 1 is authorized to use the Type 2 resource account.

[0055] If a resource type includes a currency type, then the currency types for the first type of resource account and the second type of resource account will be different. In a specific example, the first type of resource account is e-wallet A with currency X, and the second type of resource account is e-wallet B with currency Y.

[0056] The account balances of the first-type resource account and the second-type resource account are managed separately. The first-type resource account and the second-type resource account can be managed separately using different applications, or they can be managed separately using the same application that supports managing at least two types of resource accounts simultaneously. In a specific example, the first-type resource account is e-wallet A, and the second-type resource account is e-wallet B. The same financial application is used to manage e-wallet A and e-wallet B is used to manage e-wallet B.

[0057] In some embodiments, the first type of resource account and the second type of resource account are bound together. Optionally, for this binding relationship: one first type of resource account can be bound to one second type of resource account, or one first type of resource account can be bound to multiple second type of resource accounts, or multiple first type of resource accounts can be bound to one second type of resource account, or multiple first type of resource accounts can be bound to multiple second type of resource accounts. It is only necessary to ensure that each first type of resource account has a corresponding bound second type of resource account.

[0058] For example, the first device obtains the binding relationship between a first type of resource account and a second type of resource account, wherein the resource types of the first type of resource account and the second type of resource account are different. This binding relationship may be pre-bound by the sending account through a binding operation, or it may be bound by the sending account through a binding operation before each creation of at least one electronic resource package.

[0059] Step 220: In response to the creation operation, create at least one electronic resource package in the first type of resource account, wherein the at least one electronic resource package is sent by the sending account using the first type of resource account instead of the second type of resource account.

[0060] At least one electronic resource package is sent by an account using a first-type resource account instead of a second-type resource account. That is, the first-type resource account sends at least one electronic resource package, the creation and sending of which is conducted through the first-type resource account, while the deduction and refund of which is conducted through the second-type resource account. Optionally, the electronic resource package includes, but is not limited to, at least one of the following: electronic red envelopes, electronic item packages, electronic asset packages, blockchain product packages, electronic bond packages, electronic securities packages, fund packages, and electronic precious metal packages.

[0061] The creation operation is used to create at least one e-resource package from a first-type resource account. The first-type resource account provides an interface for creating at least one e-resource package, which also displays at least one of the text, icon, or graphic elements used to represent a second-type resource account, indicating that at least one e-resource package was sent on behalf of the first-type resource account. For example, if the first-type resource account is e-wallet A and the second-type resource account is e-wallet B, the creation interface for at least one e-resource package provided by e-wallet A will display the text "e-wallet B e-resource package" or "e-wallet B resource package sent".

[0062] Optionally, the creation operation includes, but is not limited to, at least two of the following: entering the total resource package amount, selecting the resource package sending mode, entering the total number of resource packages (number of people), and entering or selecting a greeting message. The total resource package amount is entered based on the resource type of the first type of resource account. The resource package sending mode includes at least one of the following: sending a single-person resource package, sending a multi-person average resource package, and sending a multi-person random resource package. When sending a single-person resource package, a recipient account can be specified, or the total number of resource packages can be set to 1. When sending a multi-person average resource package or a multi-person random resource package, multiple recipient accounts can be selected, or the total number of resource packages can be set to n, where n is a positive integer greater than 1.

[0063] For example, in response to a creation operation, a first device creates at least one electronic resource package in a first type of resource account, wherein the at least one electronic resource package is sent by a sending account using the first type of resource account instead of a second type of resource account.

[0064] Step 230: In response to the sending operation, send at least one electronic resource package, and deduct the second account balance of the second type resource account based on the total resource package amount of the at least one electronic resource package.

[0065] The send operation is used to send at least one electronic resource package, and includes triggering a send button. Simultaneously with the send operation, the balance of the second type of resource account is deducted based on the total resource package amount of the at least one electronic resource package. Once the deduction to the second type of resource account is successful, the at least one electronic resource package can be displayed on the claim interface provided by the first type of resource account, or on the claim interface provided by other applications.

[0066] In summary, the method for sending electronic resource packages provided in this application is executed by a first device used by the sending account. The first device obtains the binding relationship between a first type of resource account and a second type of resource account, where the resource types of the first type of resource account and the second type of resource account are different. In response to a creation operation, at least one electronic resource package is created in the first type of resource account, where the at least one electronic resource package is sent by the sending account using the first type of resource account instead of the second type of resource account. In response to a sending operation, at least one electronic resource package is sent, and the balance of the second account of the second type of resource account is deducted based on the total resource package limit of the at least one electronic resource package. This application provides a method for sending electronic resource packages across resource accounts. The first type of resource account and the second type of resource account are bound together, and the resource types of the first type of resource account and the second type of resource account are different. The sending account creates and sends at least one electronic resource package in the first type of resource account, and the balance of the second account of the second type of resource account can be deducted based on the total resource package limit of the at least one electronic resource package. On the one hand, this achieves flexible deduction of funds from the resource account of the sending account, enriching the deduction methods and channels compared with related technologies, and improving the efficiency of human-computer interaction. On the other hand, the sending account can clearly see the total amount of the resource package and can also realize the resource transfer between different resource accounts, providing a transparent, efficient and convenient human-computer interaction method, while still retaining the fun of electronic resource packages.

[0067] Deductions from the second account balance of the second type of resource account: In some embodiments, since the resource types of the first type resource account and the second type resource account are different, and there is a certain exchange ratio between the different resource types, it is necessary to deduct the second account balance of the second type resource account based on this exchange ratio. Step 230 deducts the second account balance of the second type resource account based on the total resource package quota of at least one electronic resource package, specifically implemented as step 231: Step 231: Based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package quota of at least one electronic resource package, deduct the second account balance of the second type of resource account; wherein, the exchange ratio is determined based on the agreed exchange ratio corresponding to the creation time of at least one electronic resource package, and the agreed exchange ratio is agreed upon by the first type of resource account and the second type of resource account.

[0068] The exchange rate is used to facilitate the conversion between different resource types of a Type 1 resource account and a Type 2 resource account. The exchange rate corresponds to the creation time of at least one electronic resource package and is determined based on the agreed-upon exchange rate corresponding to the creation time of that electronic resource package. The agreed-upon exchange rate is agreed upon by the Type 1 and Type 2 resource accounts, or set according to actual technical needs. It should also be noted that the above-mentioned exchange rate and agreed-upon exchange rate facilitate the conversion from a Type 1 resource account to a Type 2 resource account. When a conversion from a Type 2 resource account to a Type 1 resource account is required, the exchange rate and agreed-upon exchange rate are their reciprocals.

[0069] Both the exchange rate and the agreed exchange rate are time-sensitive. The exchange rate may be the same or different depending on the creation time of at least one electronic resource package. The agreed exchange rate may also be the same or different at different times. For example, the agreed exchange rate for a Type 1 resource account and a Type 2 resource account is 7:1 on day 1 (24 hours) and 6.5:1 on day 2 (24 hours). If the creation time of at least one electronic resource package is any time on day 1, and the exchange rate is 7:1, then the deduction of the second account balance of the Type 2 resource account will be performed according to this exchange rate and the total resource package amount of at least one electronic resource package. If the creation time of at least one electronic resource package is any time on day 2, and the exchange rate is 6.5:1, then the deduction of the second account balance of the Type 2 resource account will be performed according to this exchange rate and the total resource package amount of at least one electronic resource package. In some embodiments, the exchange rate is also referred to as the exchange rate.

[0070] For example, the first device deducts the second account balance of the second type of resource account based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package quota of at least one electronic resource package.

[0071] In this embodiment, a method is provided to deduct the balance of a second account from a second type of resource account based on the exchange ratio and the total amount of at least one electronic resource package. When at least one electronic resource package is created and sent in the first type of resource account, this method enables deduction across resource accounts, enriches the deduction methods and channels, and helps improve the efficiency of human-computer interaction. At the same time, performing the above steps based on the exchange ratio also ensures the accuracy of deduction across resource accounts.

[0072] In some embodiments, step 231 is specifically implemented as steps 2311 and 2312: Step 2311: Based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package amount of at least one electronic resource package, determine the deduction amount corresponding to the second type of resource account; Step 2312: Deduct the deduction amount from the second account balance of the second type of resource account.

[0073] The deduction amount is calculated based on the exchange rate and the total amount of at least one e-resource package. For conversions between different resource types from a Type 1 resource account to a Type 2 resource account, the deduction amount is the total amount of at least one e-resource package divided by the exchange rate.

[0074] For example, the first device determines the deduction amount corresponding to the second type of resource account based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package amount of at least one electronic resource package; and deducts the deduction amount from the second account balance of the second type of resource account.

[0075] This embodiment provides a specific method for deducting the balance of a second type of resource account from the second account based on the exchange ratio and the total resource package limit of at least one electronic resource package. When at least one electronic resource package is created and sent in the first type of resource account, the deduction amount is calculated based on the exchange ratio and the total resource package limit of at least one electronic resource package, and the deduction is executed in the second type of resource account. This method improves the accuracy of the deduction amount calculation, realizes deduction across resource accounts, enriches the deduction methods and channels, and helps to improve the efficiency of human-computer interaction.

[0076] In some embodiments, the deduction of the second account balance of the second type of resource account is achieved by the first type of resource account sending a deduction notification message to the second type of resource account. Step 2312 is specifically implemented as step 23120: Step 23120: Send a deduction notification to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account; wherein the deduction notification is used to indicate the deduction amount.

[0077] The deduction notification message is used to indicate the deduction amount and also to instruct that the deduction amount be deducted from the balance of the second account of the second type of resource account. This deduction notification information can be sent from the first type of resource account to the second type of resource account. For example, the first device sends a deduction notification information from the first type of resource account to the second type of resource account to deduct the deduction amount from the balance of the second account of the second type of resource account.

[0078] This embodiment provides a method for notifying a second type of resource account to deduct funds based on deduction notification information, enabling the second type of resource account to perform the deduction itself, improving the accuracy of deductions and enhancing human-computer interaction efficiency.

[0079] In some embodiments, the user also needs to input the first key information of the first type of resource account, and verification is performed based on the first key information. A deduction notification is only sent upon successful verification. Step 23120 includes steps 23121 and 23122: Step 23121: Receive the first key information of the first type of resource account; Step 23122: In response to the successful verification of the first key information, a deduction notification is sent to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account.

[0080] The first key information is the key information of a first type of resource account, including but not limited to at least one of the following: the account setting password, biometric password, account identifier, gesture password, and account verification code sent to the user in real time. For example, the first device may also optionally display a verification interface, on which it receives the first key information of the first type of resource account; in response to the first key information being verified successfully, it sends a deduction notification to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account.

[0081] This embodiment provides a method of sending a deduction notification to the second type of resource account only after verifying the first key information of the first type of resource account, ensuring that the user at this time is a valid user using the first type of resource account, thereby improving account security.

[0082] In some embodiments, after the second type of resource account has been successfully deducted, a successful deduction message is also displayed in the first type of resource account to instruct the user. Following step 230 or step 231, step 240 is also included: Step 240: Display successful deduction information in the first type of resource account; wherein, the successful deduction information is used to indicate that the deduction amount has been successfully deducted from the second account balance of the second type of resource account.

[0083] The successful deduction message indicates that the deduction amount has been successfully deducted from the second account balance of the second type of resource account. Specifically, the deduction can be successful when the second account balance of the second type of resource account is greater than or equal to the deduction amount. For example, the first device also displays the successful deduction message in the first type of resource account. Optionally, the successful deduction message can be displayed as at least one of the following: a successful deduction icon, text, an emoji, or a short video.

[0084] This embodiment provides a way to display successful deduction information in the first type of resource account, which can inform the user that the second type of resource account has been successfully deducted, improves the transparency of information, and helps to improve the efficiency of human-computer interaction.

[0085] In some embodiments, considering that there are expired and unclaimed sub-resource packages in at least one electronic resource package, the resource package sub-amount of the expired and unclaimed sub-resource packages needs to be returned to the second type of resource account. Also, considering the agreed exchange ratio and fluctuations in the exchange ratio, to ensure that the second type of resource account achieves equivalent refunds during deduction and return, and to avoid the impact of fluctuations in the agreed exchange ratio and exchange ratio on the account, the exchange ratio and deduction amount for the at least one electronic resource package created in this instance are locked. Following step 230, step 231, or step 240, steps 251, 252, and 253 are also included: Step 251: Lock the exchange ratio between the first type of resource account and the second type of resource account for at least one electronic resource package created this time and set the lock duration to a preset duration, and lock the total resource package amount of at least one electronic resource package to the deduction amount corresponding to the second type of resource account; Step 252: Send a lockout message to the second type of resource account; Step 253: In response to receiving the lock success information returned by the second type of resource account based on the lock information, display the lock success information in the first type of resource account; wherein, the lock information is used to indicate the exchange ratio, total amount of resource package and deduction amount locked for at least one electronic resource package created this time.

[0086] Since the exchange ratio between the first type of resource account and the second type of resource account corresponds to the creation time of at least one electronic resource package, the exchange ratio between the first type of resource account and the second type of resource account is locked for the at least one electronic resource package created this time, and the locking duration is set to a preset duration. Additionally, the total resource package amount of at least one electronic resource package is locked as a deduction amount corresponding to the second type of resource account. The preset duration can be set according to actual technical needs; in one example, it can be set to 24 hours.

[0087] Both Type 1 and Type 2 resource accounts can be locked. The lock information indicates the lockable exchange rate, lock duration, total resource package amount, and corresponding deduction amount for the Type 2 resource account. This lock information can be sent from the Type 1 resource account to the Type 2 resource account. When the Type 2 resource account receives the lock information, it executes the corresponding lock. Upon successful locking, it returns a lock success message to the Type 1 resource account, indicating that the exchange rate, total resource package amount, and deduction amount have been locked for at least one electronic resource package created in this instance.

[0088] For example, the first device locks the exchange ratio between the first type of resource account and the second type of resource account for at least one electronic resource package created this time based on the first type of resource account and sets the lock duration to a preset duration, and locks the total resource package amount of at least one electronic resource package as the deduction amount corresponding to the second type of resource account; sends lock information to the second type of resource account based on the first type of resource account; and displays lock success information in the first type of resource account in response to receiving lock success information returned by the second type of resource account based on the lock information; wherein, the lock information is used to indicate the exchange ratio, total resource package amount and deduction amount locked for at least one electronic resource package created this time.

[0089] This embodiment provides a method for locking the exchange rate, the total amount of the locked resource package, and the deduction amount for at least one electronic resource package created in this instance. This is beneficial for subsequent claiming of the at least one electronic resource package and for refunds when it is not claimed. It ensures that the electronic resource package can be claimed by the claiming account at a constant exchange rate within a certain lock period, and that it will be fully refunded at the same value when it is not claimed. This avoids the impact of fluctuations in the exchange rate and enables lossless electronic resource package transmission between resource accounts, which helps to improve the efficiency of human-computer interaction.

[0090] For the creation of at least one electronic resource package in a Type 1 resource account: In some embodiments, the creation of at least one electronic resource package is performed within a first type of resource account. Step 220 is specifically implemented as steps 221, 222, 223, and 224: Step 221: In response to the selection operation, select the second type of resource account as the deduction account; Step 222: In response to the creation operation, display the creation interface for the first type of resource account; Step 223: In response to the editing operation on the creation interface, edit at least two of the following: resource package sending mode, total resource package amount, total number of resource packages, and blessing message; Step 224: In response to the confirmation action on the creation interface, confirm the creation of at least one electronic resource package.

[0091] The selection operation is used to select the payment channel / account for at least one electronic resource package created this time. In this embodiment, since the payment is executed in the second type of resource account, the selection operation is used to select the second type of resource account as the payment account. It should also be noted that if the first type of resource account is only bound to one second type of resource account, this step can also be an optional step.

[0092] The creation operation is used to create at least one e-resource package. The creation operation also triggers the display of a creation interface by a first-type resource account. This creation interface is provided by the first-type resource account and indicates that the payment account for the at least one e-resource package is a second-type resource account. Specifically, the first-type resource account provides the creation interface for at least one e-resource package, which also displays at least one of the text, icons, and graphic elements representing the second-type resource account, indicating that at least one e-resource package was issued by the first-type resource account. The creation operation can be a trigger operation for a create button for at least one e-resource package, and the trigger operation includes at least one of the following: single click, double click, long press, voice, or gesture control.

[0093] The editing operation is used to edit at least two of the following: the resource package sending mode, the total resource package amount, the total number of resource packages, and the greeting message of at least one electronic resource package. The confirmation operation includes triggering a confirmation button, which includes at least one of the following: single click, double click, long press, voice, or gesture control. In some embodiments, the confirmation button is directly displayed as a send button, and the confirmation operation is also used to confirm the creation and sending of the at least one electronic resource package.

[0094] For example, in response to a selection operation, the first device selects a second type of resource account as the deduction account; in response to a creation operation, it displays a creation interface for the first type of resource account; in response to an editing operation on the creation interface, it edits at least two of the following: resource package sending mode, total resource package amount, total number of resource packages, and greeting message; in response to a confirmation operation on the creation interface, it confirms the creation of at least one electronic resource package.

[0095] This embodiment provides a method for creating at least one electronic resource package in a first type of resource account, realizing the information editing and resource package creation of at least one electronic resource package, which can improve the accessibility of information. Users can set the corresponding content according to actual technical needs, thus improving the creation flexibility.

[0096] In some embodiments, for an editing operation, step 223 specifically includes at least two of the following: 1) Inputting the total resource package limit: Step 2231: Display the total resource package quota input box on the creation interface; Step 2232: In response to the input operation, display the total resource package amount entered in the amount input box, and automatically display the deduction amount corresponding to the second type of resource account; wherein, the total resource package amount is entered based on the resource type of the first type of resource account.

[0097] The quota input field is used to display the total quota of the resource package. The total quota of the resource package is entered based on the resource type of the first type of resource account. The total quota of the resource package may or may not have an upper limit, and is not limited. The input operation includes at least one of the following: activating the keyboard for input, inputting based on an input device, and voice-to-text input. The input device includes at least one of the following: a stylus, a touch keyboard. For example, the first device displays the quota input field for the total quota of the resource package on the creation interface; in response to the input operation, the total quota of the resource package is displayed in the quota input field, and the deduction quota corresponding to the second type of resource account is automatically displayed.

[0098] 2) Selection of resource packet sending mode: Step 2233: Display at least one candidate sending mode for an electronic resource package on the creation interface; Step 2234: In response to the selection operation, select a resource packet sending mode from the candidate sending modes; wherein the candidate sending modes include at least one of the following: sending a single-person resource packet, sending a multi-person average resource packet, and sending a multi-person random resource packet.

[0099] The candidate sending mode is used to provide optional resource package sending modes. The candidate sending modes include at least one of the following: sending a single-person resource package, sending a multi-person average resource package, and sending a multi-person random resource package. When sending a multi-person average resource package, the amount of electronic resource package received by each receiving account can be the same. When sending a multi-person random resource package, the amount of electronic resource package received by each receiving account can be the same or different, depending on the algorithm setting. The selection operation includes at least one of the following: single click, double click, long press, voice selection, and gesture selection. For example, the first device displays at least one candidate sending mode for electronic resource packages on the creation interface; in response to the selection operation, a resource package sending mode is selected from the candidate sending modes.

[0100] 3) Input the total number of resource packs: Step 2235: Display the total number of resource packs in the creation interface; Step 2236: In response to the input operation, display the total number of resource packs entered in the quantity input box.

[0101] The quantity input field is used to display the total number of resource packages entered. The total number of resource packages may or may not have an upper limit; it is not limited. Input operations include at least one of the following: activating the keyboard for input, inputting via an input device, and speech-to-text input. The input device includes at least one of the following: a stylus, a touch keyboard. For example, the first device displays the quantity input field for the total number of resource packages on the creation interface; in response to the input operation, the total number of resource packages entered is displayed in the quantity input field.

[0102] 4) Inputting blessings: Step 2237: Display the blessing input box on the creation interface; Step 2238: In response to the input operation, display the entered or automatically filled blessing in the blessing input box.

[0103] A greeting input box is used to display either an entered or automatically filled greeting. The automatically filled greeting can be generated based on a large language model. Greetings include, but are not limited to, at least one of the following: text greetings, image greetings, and icon greetings. Input operations include at least one of the following: activating a keyboard for input, inputting via an input device, and speech-to-text input. Input devices include at least one of the following: a stylus, and a touch keyboard. For example, a first device displays the greeting input box on the creation interface; in response to an input operation, the entered or automatically filled greeting is displayed in the greeting input box.

[0104] This embodiment provides a specific method for editing the relevant information of at least one electronic resource package when creating at least one electronic resource package in a first type of resource account. Users can edit the corresponding content according to actual technical needs, which improves the flexibility and fun of creation.

[0105] As an example, let's assume the first type of resource account is e-wallet A and the second type of resource account is e-wallet B. The user selects e-wallet B as the deduction account within e-wallet A, as shown below. Figure 4 The system displays the resource package sending interface 15 of [E-wallet B] provided by e-wallet A. This [E-wallet B] resource package sending interface 15 corresponds to the aforementioned creation interface. In the [E-wallet B] resource package sending interface 15, the user edits the resource package sending mode ("[Mode Selection] Single Resource Package / Multi-person Average Resource Package / Multi-person Random Resource Package"), the total resource package amount ("[Amount Input] Total Amount: xxx Currency X (Automatically converted to yyy Currency Y)"), the total number of resource packages ("[Number of People Setting] Slide bar selects 5 people"), and the greeting ("[Greeting Input] Happy New Year"). The user clicks the send button to confirm the creation and sending of the electronic resource package. This electronic resource package includes 5 sub-resource packages, and the sum of the resource package amounts of the 5 sub-resource packages is the total amount of xxx Currency X.

[0106] In some embodiments, the resource packet sending mode includes sending random resource packets to multiple users, in which case the total number of resource packets is n, and at least one electronic resource packet is a sub-resource packet, where n is a positive integer greater than 1. The resource packet sub-quota of these n sub-resource packets also needs to be determined based on an algorithm. For example, the method further includes step 225: Step 225: Based on the total resource package quota, determine the resource package quota for each of the n sub-resource packages.

[0107] A resource package sub-quota refers to the quota of a sub-resource package. n sub-resource packages correspond to n resource package sub-quotas, and the sum of the n resource package sub-quotas is the total resource package quota. For example, the first device determines the resource package sub-quotas of the n sub-resource packages based on the total resource package quota. In some embodiments, when there are n sub-resource packages, these n sub-resource packages are associated with the same resource package, which can also be called the main resource package.

[0108] In some embodiments, a generation algorithm is defined that guarantees each person receives at least a preset sub-quota lower limit, and achieves allocation fairness through random allocation. Step 225 is specifically implemented as steps 2251, 2252, and 2253: Step 2251: Based on the total resource package quota, dynamically calculate the upper limit of the sub-quota for n sub-resource packages; Step 2252: Randomly select values ​​evenly within the range of the preset sub-quota lower limit and sub-quota upper limit to determine the resource package sub-quota of the first n-1 sub-resource packages; Step 2253: Based on the total resource package quota and the resource package sub-quota of the first n-1 sub-resource packages, determine the remaining quota of the resource package as the resource package quota of the nth sub-resource package.

[0109] The sub-quota upper limit is the remaining unallocated quota corresponding to the total quota of the resource package minus the product. The product is the product of the preset sub-quota lower limit and the remaining number of people to be allocated. The remaining number of people to be allocated is the total number of people in the resource package minus 1 minus i. The remaining unallocated quota is the difference between the total quota of the resource package and the allocated quota. The total number of people in the resource package minus 1 refers to the first n-1 people, and i is the i-th person among the first n-1 people. The preset sub-quota lower limit is set to 0.01. The sub-quota upper limit is expressed as: max_val = remaining - 0.01 * (num_people - i - 1). remaining is the remaining unallocated quota, and num_people - i - 1 is the remaining number of people to be allocated. This sub-quota upper limit is the minimum quota of 0.01 reserved for each subsequent user to ensure that there is enough remaining unallocated quota to distribute.

[0110] The resource package sub-quota is determined by uniformly and randomly selecting values ​​within the preset sub-quota lower and upper limits. Uniform random selection is represented as: `random.uniform(0.01, max_val)`. Optionally, the generated resource package sub-quota values ​​for the first n-1 sub-resource packages are added to the result list. Each time a resource package sub-quota is generated, the remaining unallocated quota can be updated. For the nth sub-resource package, the remaining quota is directly used as the resource package quota for the nth sub-resource package. Optionally, the resource package quota is rounded to two decimal places.

[0111] In some embodiments, a pre-verification is also performed. When the remaining quota to be allocated is greater than or equal to the product of the remaining number of users to be allocated and a preset sub-quota lower limit, the allocation of the sub-resource package can be performed. When the remaining quota to be allocated is less than the product of the remaining number of users to be allocated and the preset sub-quota lower limit, an error message is displayed, indicating that the remaining quota to be allocated is insufficient.

[0112] As an example, assume the total resource package amount is 10.00 yuan, the number of people (num_people) is 3, and the preset sub-quota lower limit is set to 0.01 yuan. Pre-verification: 10.00 ≥ 3 × 0.01, passes. First person's allocation: max_val = 10.00 - 0.01 × 2 = 9.98, randomly generated 3.25 yuan, leaving 6.75 yuan. Second person's allocation: max_val = 6.75 - 0.01 × 1 = 6.74, randomly generated 2.50 yuan, leaving 4.25 yuan. Third person's allocation: directly receives the remaining 4.25 yuan. Final result: [3.25, 2.50, 4.25], total 10.00 yuan, each person ≥ 0.01 yuan.

[0113] This embodiment provides a method for allocating resource package sub-quotas among multiple sub-resource packages when sending random resource packages to multiple users. This ensures that each user receives at least a preset sub-quota lower limit, and also achieves transparency through random allocation, minimizing unfairness.

[0114] In some embodiments, following the above-described embodiments, the method further includes step 226: Step 226: Store resource package data for at least one electronic resource package; wherein the resource package data includes at least one of the following: resource package identifier, sub-resource package identifier, total resource package amount, sub-resource package amount, resource package sending mode, resource package status, and sub-resource package status; the resource package status includes at least one of the following: completed status, disbursement status, received status, unreceived status, expired status, settled status, and unsettled status.

[0115] Each resource package and sub-resource package has a unique corresponding resource package identifier, which can be represented by at least one of numbers, letters, and symbols. In some embodiments, when there are n sub-resource packages, these n sub-resource packages are associated with the same resource package, which can also be called the main resource package. In this case, the n sub-resource packages are associated with the same resource package identifier. The total resource package limit and the resource package sub-limit include at least one of the following: a limit determined based on the resource type of a first type of resource account, or a limit determined based on the resource type of a second type of resource account.

[0116] Resource package status and sub-resource package status are used to indicate the status of resource packages and sub-resource packages. A resource package status or sub-resource package status includes at least one of the following: completed, being distributed, claimed, unclaimed, expired, settled, or unsettled. For a resource package or a sub-resource package, the resource package status or sub-resource package status can be one or more of the above statuses.

[0117] For example, when all resource packages and their sub-resource packages have been claimed, the resource package status and sub-resource package status are set to "Completed". When a resource package and its sub-resource packages are being distributed and some have not yet been claimed, the resource package status and sub-resource package status are set to "Distributing" and "Unclaimed". When a resource package and its sub-resource packages are being distributed and some have already been claimed, the resource package status and sub-resource package status are set to "Distributing" and "Claimed". When a resource package and its sub-resource packages are overdue and not claimed, the resource package status and sub-resource package status are set to "Expired". During the settlement phase, when a resource package and its sub-resource packages are not settled, the resource package status and sub-resource package status are set to "Unsettled". When a resource package and its sub-resource packages are settled, the resource package status and sub-resource package status are set to "Settled".

[0118] This embodiment provides a method for storing resource package data of at least one electronic resource package, which can store and update resource package data in real time, ensuring the correctness of sending and receiving each resource package and sub-resource package, and improving the efficiency of human-computer interaction.

[0119] Regarding the binding of Type 1 and Type 2 resource accounts: In some embodiments, the first type of resource account and the second type of resource account are bound together. This binding relationship can be established by the sending account in advance through a binding operation, or by the sending account being bound through a binding operation before each creation of at least one electronic resource package. Prior to step 210, the method further includes step 200: Step 200: In response to the binding operation, bind the first type of resource account and the second type of resource account.

[0120] The binding operation is used to bind a first type of resource account and a second type of resource account. The binding operation is performed on the first type of resource account. The binding operation is used to bind one or more second type of resource accounts to the first type of resource account. For example, a first device, in response to the binding operation, binds the first type of resource account and the second type of resource account.

[0121] This embodiment provides a method for binding a first type of resource account and a second type of resource account, which enables account binding in the first type of resource account. This facilitates the creation and sending of at least one electronic resource package in the first type of resource account and improves the efficiency of human-computer interaction.

[0122] In some embodiments, step 200 is specifically implemented as steps 201, 202, and 203: Step 201: Display the binding interface for the first type of resource account; Step 202: In response to the binding operation, send a binding request to the second type of resource account; Step 203: In response to receiving the authorization binding information returned by the second type of resource account based on the binding request, bind the first type of resource account and the second type of resource account; wherein, the authorization binding information is generated when the second type of resource account inputs the first key information of the first type of resource account, and the first key information is verified.

[0123] The binding interface is provided by the first type of resource account and is used to bind a second type of resource account. Optionally, the binding interface also displays a list of bindable objects, which includes the second type of resource account and other resource accounts, such as at least one of other bank cards or credit cards.

[0124] The binding operation is used to select the second type of resource account from the list of bindable objects in the binding interface, or to enter the second type of resource account identifier or second user account identifier corresponding to the second type of resource account in the binding interface to identify the second type of resource account. In some embodiments, a binding operation is used to bind one or more second type of resource accounts. The binding request is a request sent from the first type of resource account to the second type of resource account to instruct the binding of the second type of resource account. When a binding operation is used to bind multiple second type of resource accounts, a binding request is sent to each second type of resource account. The information carried in the binding request includes at least one of the following: the first type of resource account identifier corresponding to the first type of resource account, the first user account identifier, the second type of resource account identifier corresponding to the second type of resource account, and the second user account identifier.

[0125] The authorization binding information is used to instruct the second type of resource account to authorize the first type of resource account to perform the binding, and also to instruct the second type of resource account to store the binding information. Specifically, the authorization binding information is generated when the second type of resource account enters the first key information of the first type of resource account, and the first key information is verified successfully.

[0126] For example, the first device displays a binding interface for a first type of resource account; in response to the binding operation, it sends a binding request to a second type of resource account; in response to receiving the authorization binding information returned by the second type of resource account based on the binding request, it binds the first type of resource account and the second type of resource account.

[0127] This embodiment provides a specific method for binding a first type of resource account and a second type of resource account, realizing the binding of the first type of resource account and the second type of resource account. Furthermore, by inputting the first key information of the first type of resource account into the second type of resource account, it can be ensured that the user using the first type of resource account is a valid user, thereby improving security and also helping to improve the efficiency of human-computer interaction.

[0128] In some embodiments, step 202 is specifically implemented as steps 2021, 2022, and 2023: Step 2021: In response to the binding operation, receive the identification information of the second type of resource account; Step 2022: Redirect to the verification interface and receive the first key information of the first type of resource account; Step 2023: In response to the successful verification of the first key information, a binding request is sent to the second type of resource account.

[0129] The binding operation is used to select the second type of resource account from the list of bindable objects in the binding interface, or to enter the second type of resource account identifier or second user account identifier corresponding to the second type of resource account in the binding interface to identify the second type of resource account. The identification information of the second type of resource account includes at least one of the following: second type of resource account identifier, second user account identifier.

[0130] The first key information is the key information of a first type of resource account, including but not limited to at least one of the following: the account setting password, biometric password, account identifier, gesture password, and account verification code sent to the user in real time for the first type of resource account. For example, in response to the binding operation, the first device receives the identifier information of the second type of resource account; it then redirects to a verification interface, where it receives the first key information of the first type of resource account; and in response to the first key information being verified successfully, it sends a binding request to the second type of resource account.

[0131] This embodiment provides a specific method for binding a first type of resource account and a second type of resource account. By inputting the identifier information of the second type of resource account into the first type of resource account, the first type of resource account can be aware of the second type of resource account being bound, improving information transparency. Simultaneously, by verifying the first key information of the first type of resource account, it can be ensured that the user using the first type of resource account is a valid user, improving security.

[0132] In some embodiments, after binding the first type of resource account and the second type of resource account, the binding relationship is also stored to facilitate deductions and refunds for the second type of resource account. The method further includes step 204: Step 204: Store the binding relationship between the first type of resource account and the second type of resource account; wherein, the binding relationship includes: the first type of resource account identifier, the second type of resource account identifier, the first user account identifier, and the second user account identifier.

[0133] For example, the first device stores the binding relationship between a first type of resource account and a second type of resource account; wherein the binding relationship includes: a first type of resource account identifier, a second type of resource account identifier, a first user account identifier, and a second user account identifier. The first type of resource account and the second type of resource account also respectively store the aforementioned binding relationship. For example, if the first type of resource account is e-wallet A and the second type of resource account is e-wallet B, then the stored binding relationship is: e-wallet A, User_A_ID, e-wallet B, User_B_ID.

[0134] This embodiment provides a specific method for storing the binding relationship between the first type of resource account and the second type of resource account, which realizes the accurate recording of the binding relationship, which is beneficial for subsequent acquisition of the binding relationship and execution of the creation and sending of at least one electronic wallet, thereby improving the efficiency of human-computer interaction.

[0135] As an example, let's take a scenario where the first type of resource account is e-wallet A and the second type of resource account is e-wallet B. (Reference) Figure 5The system displays a card binding interface 10 provided by e-wallet A, which corresponds to the aforementioned binding interface. The card binding interface 10 displays a list 11 of bindable objects, including Bank 1 (Bank Card 1), Bank 2 (Bank Card 2), and e-wallet B. The user selects e-wallet B from the list 11, displaying a binding interface 12. The user enters the user ID of e-wallet B in the input box 13 and clicks the OK button. The system then redirects to a verification interface 14, where the user enters the password for e-wallet A or uses a biometric password. After clicking the OK button, e-wallet A sends a binding request to e-wallet B. Once the user completes verification by entering the password for e-wallet B or using a biometric password, e-wallet A and e-wallet B are bound together.

[0136] For the settlement phase of electronic resource packages that have not been claimed or have been claimed: In some embodiments, after the second type of resource account performs a deduction, the funds are not directly transferred to the first type of resource account. Instead, during the settlement phase, based on the amount of the claimed resource packages and sub-resource packages sent by the first type of resource account, the corresponding funds are paid to the first type of resource account. Furthermore, based on the amount of expired and unclaimed resource packages and sub-resource packages sent by the first type of resource account, the corresponding funds are returned to the second type of resource account. The method also includes steps 261, 262, and 263: Step 261: Query the resource package status of at least one electronic resource package; Step 262: In response to the fact that the first electronic resource package of at least one electronic resource package is in an unsettled state and has expired, the resource package sub-quota of the first electronic resource package is returned to the second type of resource account; Step 263: In response to the fact that the second electronic resource package of at least one electronic resource package is in an unsettled and claimed state, the resource package sub-quota of the second electronic resource package is paid to the first type of resource account.

[0137] The "Unsettled" status indicates that settlement has not been completed. The "Expired" status indicates that the resource package or sub-resource package has expired and has not been claimed, which is equivalent to overcharging the second type of resource account, and the corresponding amount needs to be refunded to the second type of resource account. The "Claimed" status indicates that the resource package or sub-resource package has been claimed, and the corresponding amount needs to be paid to the first type of resource account, so that the corresponding amount is actually transferred to the first type of resource account.

[0138] The first electronic resource package refers to a resource package or electronic resource package that is in an unsettled and expired state. The second electronic resource package refers to a resource package or sub-resource package that is in an unsettled and claimed state. For example, the first device queries the resource package status of at least one electronic resource package; in response to the first electronic resource package being in an unsettled and expired state, the resource package sub-quota of the first electronic resource package is returned to the second type of resource account; in response to the second electronic resource package being in an unsettled and claimed state, the resource package sub-quota of the second electronic resource package is paid to the first type of resource account.

[0139] This embodiment provides a method for clearing electronic resource packages during the clearing phase. Based on the status identifier of the uncleared state, it can easily aggregate all uncleared resource packages and sub-resource packages and perform clearing, thereby improving the clearing efficiency of resource packages and sub-resource packages.

[0140] In some embodiments, since the exchange rate has been locked for at least one electronic resource package created this time, step 262 returns the resource package sub-amount of the first electronic resource package to the second type of resource account, specifically implemented as steps 2621 and 2622: Step 2621: Based on the exchange ratio between the first type of resource account and the second type of resource account locked for at least one electronic resource package, and the resource package amount of the first electronic resource package, determine the refund amount for the second type of resource account; Step 2622: Return the refund amount to the second type of resource account.

[0141] The refund amount is calculated based on the exchange ratio and the resource package sub-amount of the first electronic resource package. For conversions between different resource types from a first-type resource account to a second-type resource account, the refund amount is the resource package sub-amount of the first electronic resource package divided by the exchange ratio. For example, the first device determines the refund amount for the second-type resource account based on the exchange ratio between the first-type resource account and the second-type resource account locked for at least one electronic resource package, and the resource package sub-amount of the first electronic resource package; the refund amount is then refunded to the second-type resource account.

[0142] In this embodiment, when the first electronic resource package of at least one electronic resource package is in an unsettled state and has expired, the resource package sub-amount of the first electronic resource package is returned to the second type of resource account. This realizes the return of the amount over-deducted from the second type of resource account, and the return is made according to the resource type of the second type of resource account, thus avoiding secondary losses when returning funds.

[0143] In some embodiments, since the exchange rate has been locked for at least one electronic resource package created this time, step 263 pays the resource package amount of the second electronic resource package to the first type of resource account, specifically implemented as steps 2631 and 2632: Step 2631: Determine the payment limit of the second type of resource account based on the exchange ratio between the first type of resource account and the second type of resource account locked for at least one electronic resource package, and the resource package amount of the second electronic resource package; Step 2632: Pay the payment amount from the deduction limit corresponding to the second type of resource account for the total resource package amount of at least one electronic resource package to the first type of resource account.

[0144] The payment limit is calculated based on the exchange ratio and the resource package sub-limit of the second electronic resource package. For conversions between different resource types from a first type resource account to a second type resource account, the payment limit is the resource package sub-limit of the second electronic resource package divided by the exchange ratio. For example, the first device determines the payment limit for the second type resource account based on the exchange ratio between the first type resource account and the second type resource account locked for at least one electronic resource package, and the resource package sub-limit of the second electronic resource package; the payment amount from the deduction limit corresponding to the second type resource account for the total resource package limit of at least one electronic resource package is paid to the first type resource account.

[0145] In this embodiment, when the second electronic resource package of at least one electronic resource package is in an unsettled state and has been claimed, the resource package sub-amount of the second electronic resource package is paid to the first type of resource account, thereby realizing the actual payment of funds to the first type of resource account and achieving the convenience and timeliness of the transaction.

[0146] Next, we will introduce how to claim the electronic resource package: Figure 6 This is a flowchart illustrating a method for claiming an electronic resource package according to an exemplary embodiment of this application. The method is executed by a second device used by the claiming account; the second device may be... Figure 1 The second terminal 160 is shown. When there are multiple claiming accounts, each claiming account uses the second device to execute the claiming method for the electronic resource package. The method includes at least some of the steps in steps 610 and 620: Step 610: Display an interface for claiming at least one electronic resource package for the first type of resource account.

[0147] The interface for claiming at least one electronic resource package is a second electronic resource package interface provided by a first-type resource account for claiming at least one electronic resource package. Generally, if one claiming account is set to claim one electronic resource package, then there is one second electronic resource package. It is understood that one claiming account can also be set to claim multiple electronic resource packages, then there are multiple second electronic resource packages. For example, the second device displays the interface for claiming at least one electronic resource package for the first-type resource account.

[0148] Step 620: In response to the claim operation, claim at least one electronic resource package as a second electronic resource package, and increase the first account balance of the first type of resource account based on the resource package sub-quota of the second electronic resource package; wherein, at least one electronic resource package is created and sent by the sending account using the first type of resource account instead of the second type of resource account, the total resource package quota of at least one electronic resource package is deducted from the second account balance of the second type of resource account, the first type of resource account and the second type of resource account are bound together, and the resource types of the first type of resource account and the second type of resource account are different.

[0149] The claim operation is used to claim a second electronic resource package containing at least one electronic resource package. In some embodiments, the sending account also sets claim conditions; when the claim operation meets the claim conditions, the second electronic resource package containing at least one electronic resource package is claimed. Claim conditions include, but are not limited to, at least one of the following: entering a claim code, entering a claim password, reaching a set account level, or completing a set task.

[0150] When the receiving account receives at least one second electronic resource package, the balance of the first type of resource account is also increased based on the resource package sub-quota of the second electronic resource package. That is, the creation, sending, and receiving of the at least one electronic resource package are carried out in the first type of resource account, and the funds are credited to the first type of resource account after receiving. The deduction and refund of the at least one electronic resource package are carried out in the second type of resource account.

[0151] In this process, at least one electronic resource package is created and sent using a first-type resource account instead of a second-type resource account. The total resource package amount of at least one electronic resource package is deducted from the balance of the second account of the second-type resource account. The first-type resource account and the second-type resource account are linked, and the resource types of the first-type resource account and the second-type resource account are different. It should also be noted that the creation, sending, deduction, and refund of at least one electronic resource package can refer to the aforementioned implementation method of sending electronic resource packages, and will not be repeated here.

[0152] In summary, the method for claiming electronic resource packages provided in this application is executed by a second device using a claiming account. The second device displays a claiming interface for at least one electronic resource package in a first-type resource account. In response to the claiming operation, a second electronic resource package containing at least one electronic resource package is claimed, and the first account balance of the first-type resource account is increased based on the resource package sub-quota of the second electronic resource package. Specifically, at least one electronic resource package is created and sent by the sending account using a first-type resource account instead of a second-type resource account. The total resource package quota of at least one electronic resource package is deducted from the second account balance of the second-type resource account. The first-type resource account and the second-type resource account are bound together, and the resource types of the first-type resource account and the second-type resource account are different. This application provides a method for claiming electronic resource packages across resource accounts. The first-type resource account and the second-type resource account are bound together, and the resource types of the first-type resource account and the second-type resource account are different. The sending account creates and sends at least one electronic resource package to the first-type resource account. Based on the total resource package amount of at least one electronic resource package, the second account balance of the second-type resource account is deducted. The receiving account can then receive a second electronic resource package from the first-type resource account, and based on the resource package sub-amount of the second electronic resource package, the first account balance of the first-type resource account is increased. On one hand, this achieves rapid crediting of the receiving account's resource balance, enriching the receiving methods and improving human-computer interaction efficiency. On the other hand, the sending account can clearly see the total resource package amount, and the received resource package sub-amount is credited to the first-type resource account within seconds. It also enables resource turnover between different resource accounts. Even if the electronic resource package is not claimed or not fully claimed, the amount paid by the sending account is fully returned according to the locked exchange ratio, providing a transparent, efficient, and convenient human-computer interaction method while still retaining the fun of random resource packages.

[0153] In some embodiments, after step 620, the method further includes step 630: Step 630: Display a successful claim message to the first type of resource account, and change the resource package status of the second electronic resource package from unclaimed to claimed; wherein the successful claim message is used to indicate that the second electronic resource package has been successfully claimed.

[0154] The successful receipt message indicates successful receipt of the second electronic resource package and also indicates that the resource package sub-quota of the second electronic resource package has been credited to the first type of resource account. For example, the second device displays the successful receipt message in the first type of resource account and changes the resource package status of the second electronic resource package from unclaimed to claimed. Optionally, the second device also sends status synchronization information to the first device. This status synchronization information is used to synchronize the resource package status of at least one electronic resource package in real time, so that the first device is also aware of the specific receipt and status of the resource package.

[0155] This embodiment provides a method for notifying users after they receive the second electronic resource package and updating the resource package status in real time. The sending account can then view the resource package status through the first type of resource account, avoiding communication costs caused by information asynchrony, improving information transparency, and enhancing human-computer interaction efficiency.

[0156] Next, the method for sending electronic resource packages will be described in general: The method for sending electronic resource packages includes the following stages in sequence: (1) the binding stage of the first type of resource account and the second type of resource account; (2) the creation stage of at least one electronic resource package; (3) the sending stage of at least one electronic resource package; and (4) the settlement stage after the electronic resource package has been claimed / received. (Reference) Figure 7 The following is an overall description of the steps in each stage: (1) For the binding phase of Type 1 and Type 2 resource accounts: Step 1: Display the binding interface for the first type of resource account; Step 2: In response to the binding operation, receive the identification information of the second type of resource account; Step 3: The verification interface will be displayed, where you will receive the first key information for the first type of resource account; Step 4: In response to the successful verification of the first key information, a binding request is sent to the second type of resource account; Step 5: In response to receiving the authorization binding information returned by the second type of resource account based on the binding request, bind the first type of resource account and the second type of resource account; The authorization binding information is generated when the first key information of the first type of resource account is entered into the second type of resource account, and the first key information is verified. Step 6: Store the binding relationship between the first type of resource account and the second type of resource account; The binding relationships include: first type resource account identifier, second type resource account identifier, first user account identifier, and second user account identifier; (2) For the creation phase of at least one electronic resource package: Step 7: Obtain the binding relationship between the first type of resource account and the second type of resource account. The resource types of the first type of resource account and the second type of resource account are different. Step 8: In response to the selection action, select the second type of resource account as the deduction account; Step 9: In response to the creation operation, the creation interface is displayed for the first type of resource account; Step 10-1: Display the total resource package quota input box on the creation interface; Step 10-2: In response to the input operation, display the total amount of the resource package entered in the amount input box, and automatically display the deduction amount corresponding to the second type of resource account for the total amount of the resource package; The total resource package limit is based on the resource type input of the first type of resource account; And / or, Step 11-1: Display at least one candidate sending mode for an electronic resource package on the creation interface; Step 11-2: In response to the selection operation, select the resource packet sending mode from the candidate sending modes; Among them, the candidate sending modes include at least one of the following: sending a single-person resource packet, sending an average resource packet for multiple people, and sending a random resource packet for multiple people; And / or, Step 12-1: Display the total number of resource packs in the creation interface; Step 12-2: In response to the input operation, display the total number of resource packs entered in the quantity input box; And / or, Step 13-1: Display the blessing input box on the creation interface; Step 13-2: In response to the input operation, display the entered blessing or automatically fill in the blessing input box; Step 14: In response to the confirmation operation on the creation interface, confirm the creation of at least one e-resource package, wherein the at least one e-resource package is sent by the sending account using a first type resource account instead of a second type resource account; Optionally, the resource package sending mode includes sending multiple random resource packages, with a total of n resource packages, at least one electronic resource package being a sub-resource package of n, where n is a positive integer greater than 1; it also includes: dynamically calculating the sub-quota upper limit of the n sub-resource packages based on the total resource package quota; uniformly and randomly selecting values ​​within the range of the preset sub-quota lower limit and sub-quota upper limit to determine the resource package sub-quota of the first n-1 sub-resource packages; and determining the remaining quota of the resource package as the resource package sub-quota of the nth sub-resource package based on the total resource package quota and the resource package sub-quota of the first n-1 sub-resource packages; Step 15: Store resource package data for at least one electronic resource package; The resource package data includes at least one of the following: resource package identifier, sub-resource package identifier, total resource package quota, sub-resource package quota, resource package sending mode, resource package status, and sub-resource package status; the resource package status includes at least one of the following: completed status, disbursement status, received status, unreceived status, expired status, settled status, and unsettled status. (3) For the transmission phase of at least one electronic resource packet: Step 16: In response to the sending operation, send at least one electronic resource package, and determine the deduction amount corresponding to the second type of resource account based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package amount of the at least one electronic resource package; The exchange ratio is determined based on the agreed exchange ratio corresponding to the creation time of at least one electronic resource package. The agreed exchange ratio is obtained by the agreement between the first type of resource account and the second type of resource account. Step 17: Receive the first key information of the first type of resource account; Step 18: In response to the successful verification of the first key information, a deduction notification is sent to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account; Step 19: Display a successful deduction message in the first type of resource account; wherein, the successful deduction message is used to indicate that the deduction amount has been successfully deducted from the second account balance of the second type of resource account; Step 20: Lock the exchange ratio between the first type of resource account and the second type of resource account for at least one electronic resource package created this time and set the lock duration to a preset duration, and lock the total resource package amount of at least one electronic resource package to the deduction amount corresponding to the second type of resource account; Step 21: Send a lockout message to the second type of resource account; Step 22: In response to receiving the lock success information returned by the second type of resource account based on the lock information, display the lock success information in the first type of resource account; Among them, the locking information is used to indicate the exchange ratio, total amount of the resource package and deduction amount locked for at least one electronic resource package created this time; (4) For the settlement phase of electronic resource packages that have not been claimed or have been claimed: Step 23: Query the status of at least one electronic resource package; Step 24-1: In response to the fact that the first electronic resource package of at least one electronic resource package is in an unsettled state and has expired, the refund amount of the second type of resource account is determined based on the exchange ratio of the first type of resource account and the second type of resource account locked for at least one electronic resource package, and the resource package sub-quota of the first electronic resource package. Step 24-2: Return the refunded amount to the second type of resource account; And / or, Step 25-1: In response to the fact that the second electronic resource package of at least one electronic resource package is in an unsettled state and has been claimed, determine the payment amount of the second type of resource account based on the exchange ratio between the first type of resource account and the second type of resource account locked for at least one electronic resource package, and the resource package sub-amount of the second electronic resource package; Step 25-2: Pay the payment amount from the deduction limit corresponding to the second type of resource account for the total resource package amount of at least one electronic resource package to the first type of resource account.

[0157] Next, we will provide an overall description of how to claim the electronic resource package: The electronic resource package (ERP) claiming phase occurs after (3) at least one ERP sending phase in the ERP sending method, and before (4) the ERP unclaimed / claimed clearing phase. (See reference) Figure 8 The following is a general description of the steps involved in receiving the electronic resource package: For the electronic resource package redemption phase: Step 1: Display an interface for claiming at least one electronic resource package for the first type of resource account; Step 2: In response to the claiming operation, claim at least one second electronic resource package, and increase the first account balance of the first type of resource account based on the resource package sub-quota of the second electronic resource package; Step 3: Display a successful claim message for the first type of resource account, and change the resource package status of the second electronic resource package from unclaimed to claimed. The "successful receipt" message indicates that the second electronic resource package has been successfully received.

[0158] It should be noted that the specific limitations of the steps in the above-mentioned methods for sending or receiving electronic resource packages can be found in the limitations of the corresponding steps above, and will not be repeated here.

[0159] Next, taking the first type of resource account as e-wallet A, the second type of resource account as e-wallet B, and the e-resource package as an e-red packet as an example, the method for sending and receiving the e-resource package provided in this embodiment will be described in general: Product side refer to Figure 5 The system displays the card binding interface [e-wallet A] 10 provided by e-wallet A. The card binding interface [e-wallet A] 10 displays a list of bindable objects 11, including Bank 1 - Bank Card 1, Bank 2 - Bank Card 2, and e-wallet [e-wallet B]. The user (User_A_ID) selects e-wallet [e-wallet B] from the list of bindable objects 11, displaying the e-wallet binding interface [e-wallet B] 12. The user enters the user ID (User_B_ID) of e-wallet [e-wallet B] in the input box 13 and clicks the OK button. The system then redirects to the verification interface 14, where the user (User_A_ID) enters the e-wallet A password or uses a biometric password. After clicking the OK button, e-wallet A sends a binding request to e-wallet B. Once the user (User_B_ID) completes the verification by entering the e-wallet B password or using a biometric password in e-wallet B, a binding relationship is established between e-wallet A and e-wallet B.

[0160] Continue to refer to Figure 4 User (User_A_ID) selects e-wallet B as the deduction account in e-wallet A, and the [e-wallet B] red packet sending interface 15 provided by e-wallet A is displayed. In the [e-wallet B] red packet sending interface 15, User (User_A_ID) edits the red packet sending mode "[Mode Selection] Single Red Packet / Multi-person Average Red Packet / Multi-person Random Red Packet", the total red packet amount "[Amount Input] Total Amount: xxx Currency X (automatically converted to yyy Currency Y)", the total number of red packets "[Number of People Setting] Slide bar selects 5 people", and the blessing message "[Blessing Message Input] Happy New Year". The user clicks the send button to confirm the creation and sending of the electronic red packet. This electronic red packet includes 5 sub-red packets, and the sum of the amounts of the 5 sub-red packets is the total amount xxx Currency X, that is, the currency and total amount that the user receiving the red packet will receive.

[0161] When a user (User_A_ID) clicks the send button, payment is deducted from e-wallet B. After successful payment, a sub-red packet with the same total number of packets is created. Simultaneously, an amount is allocated to each sub-red packet sequentially, and the corresponding payment currency in e-wallet B, converted from the exchange rate, is recorded. This exchange rate is determined based on an agreed-upon rate at the time the e-red packet is created, and this rate is valid for 24 hours. That is, from the moment the e-red packet is created, both sides receive payments at this exchange rate for 24 hours, ensuring that the e-red packet can be claimed by the user at a stable exchange rate within 24 hours.

[0162] Users who want to claim the red envelope can see the red envelope to be claimed on the claiming interface of e-wallet A. After clicking to claim, they can see the amount they have claimed and the amount will be credited to their e-wallet A.

[0163] • Technical side 1) Regarding account binding: Figure 9 This is a timing diagram of an electronic resource packet transmission method provided in an exemplary embodiment of this application. The overall timing is as follows: [User initiates binding operation in e-wallet A]: 1. User selects to enter the card binding interface; 2. e-wallet A returns a list of bindable objects, including e-wallet B; 3. User selects to bind e-wallet B; 4. e-wallet A returns to the input interface of e-wallet B; 5. User enters the user ID (User_B_ID) in e-wallet B. [E-wallet A Authorization Verification]: 6. E-wallet A returns to the authorization verification password interface; 7. The user enters the password for e-wallet A; 8. After successful verification, e-wallet A returns a message indicating successful authorization and notifies the user that they need to authorize e-wallet B; 9. E-wallet A records the users to be bound: [e-wallet A (User_A_ID), e-wallet B (User_B_ID)]; [E-wallet B receives binding request]: 10. E-wallet A notifies E-wallet B to authorize binding; 11. E-wallet B records the user to be bound: [E-wallet A (User_A_ID), E-wallet B (User_B_ID)]; 12. E-wallet B returns a success message; [User completes verification of e-wallet B]: 13. User logs into e-wallet B; 14. E-wallet B returns the interface for binding e-wallet A to the user (including User_A_ID); 15. User enters the password for e-wallet A; 16. Password verification successful, e-wallet B records successful binding: [e-wallet A (User_A_ID), e-wallet B (User_B_ID)]; 17. E-wallet B returns a message to the user indicating successful wallet binding; and 18. E-wallet B returns a message to e-wallet A indicating successful binding; 19. E-wallet A records successful binding: [e-wallet A (User_A_ID), e-wallet B (User_B_ID)]. At this point, the process ends, and e-wallet A and e-wallet B are successfully linked.

[0164] 2) Sending electronic red envelopes: Figure 10 This is a timing diagram of an electronic resource packet transmission method provided in an exemplary embodiment of this application. The overall timing is as follows: [User initiates red envelope operation]: 1. The user selects a channel or payment method to send a red envelope to e-wallet B in e-wallet A; [User creates e-red envelope]: 2. e-wallet A returns to the creation interface; 3. The user enters / selects the red envelope sending mode / number of people / total amount (currency of e-wallet A) / blessing message; [Locking the total amount and exchange rate of the red envelope]: 4. e-wallet A locks the exchange rate with e-wallet B for 24 hours (using the currency in e-wallet B to buy the currency in e-wallet A), and the locked amount is the amount entered by the user; 5. e-wallet B confirms the successful lock and returns a successful lock message to e-wallet A; [User confirms total amount and currency of red envelope]: 6. E-wallet A returns the payment amount in the specified currency (currency of e-wallet B) to the user; [User enters wallet password for verification]: 7. User enters the password for e-wallet A in e-wallet A; 8. e-wallet A verifies the password for e-wallet A; [Triggering deduction from e-wallet B]: 9. After successful verification, e-wallet A notifies e-wallet B to execute the deduction; 10. E-wallet B successfully deducts the funds; 11. After successful deduction, e-wallet B returns a payment success message to e-wallet A; [Generating and creating an e-red packet]: 12. E-wallet A generates a red packet and associated sub-red packets with the same number of participants based on the number of participants and the total amount entered by the user; 13. After successful red packet generation, e-wallet A returns a message to the user indicating successful red packet creation.

[0165] For example, the algorithm function (split_random_amount) for generating the amount of random sub-red envelopes is as follows: (1) Define a function named split_random_amount that takes two parameters: 1) total: the total amount of red envelopes to be distributed; 2) num_people: the number of people to be distributed; Next, create an empty list amounts to store the amount that each person will receive; Define a variable remaining, with an initial value equal to the total amount of red envelopes total, to detect the amount remaining during the distribution process; (2) Execute the verification logic during the distribution process: check whether the total amount of the red envelope is sufficient for each person to receive at least 0.01 units of currency. If the total amount of the red envelope is less than the number of people × 0.01, throw a value error exception and prompt "total amount of red envelope is insufficient".

[0166] (3) Looping allocation logic: Allocate the amount to the first num_people-1 people and loop num_people-1 times. The amount allocated to the last person is processed separately. Specifically, calculate the current maximum distributable amount: the current remaining amount minus the minimum 0.01 unit of currency that all the following people should receive; generate a random amount: take a random number between 0.01 and the maximum distributable amount and keep two decimal places; add the generated random amount to the result list; subtract the allocated amount from the remaining amount; allocate the last remaining amount to the last person and also keep two decimal places; return the final allocation result list.

[0167] The algorithm is explained below: [Basic Verification]: Ensure the total amount of the red envelopes is sufficient for each person to receive at least 0.01 units of currency; If the above conditions are not met, an exception will be thrown; [Allocation of quotas to the first n-1 individuals]: 1) Dynamic upper limit calculation: max_val = remaining - 0.01*(num_people-i-1); This reserves a minimum amount of 0.01 units of currency for each subsequent user, ensuring that there is enough remaining amount to distribute. 2) Random generation: random.uniform(0.01, max_val); randomly selects values ​​uniformly in the range [0.01, max_val] to randomly generate the amount of the sub-red envelope; Amount recording: adds the generated amount to the result list; Update remaining: deducts the allocated amount from the remaining amount; [Quota allocation for the nth person]: No need for random generation, directly take the remaining amount; optionally, round to two decimal places.

[0168] The characteristics of the amount generation algorithm in this embodiment are: ensuring that everyone receives at least 0.01 units of currency; the total amount is completely distributed with no remainder; the distribution process is random, but the earlier person will not take away the minimum amount that the later person is entitled to; all amounts are rounded to two decimal places. For example, if the total amount of the red envelope is 10 yuan and it is distributed to 3 people: ensure that 10 ≥ 3 × 0.01, and the verification passes; allocate to the first person: the maximum distributable amount is 9.98 yuan, and at least 0.01 yuan is reserved for the next 2 people, and a number between 0.01 and 9.98 is randomly generated; allocate to the second person: the maximum distributable remaining amount is -0.01 yuan, and 0.01 yuan is reserved for the last person; the third person receives all the remaining amount.

[0169] For example, red envelope data is also stored. Red envelope data includes: red envelope ID, total red envelope amount, sub-red envelope ID, sub-red envelope amount, red envelope sending mode (red envelope type), and red envelope status. Red envelope status includes: distributing, completed, expired, and also: claimed, unclaimed, settled, and unsettled. See Table 1 for an example. After sub-red envelopes are generated, the sub-red envelope amounts and sub-red envelope statuses are stored sequentially. See Table 2 for an example.

[0170] Table 1

[0171] Table 2

[0172] 3) Regarding the receipt of electronic red envelopes: Figure 11 This is a timing diagram of an exemplary embodiment of the present application for a method of receiving an electronic resource package. The overall timing is as follows: [Electronic Red Packet Notification Phase]: 1.1 E-wallet A sends a notification to user 1 to claim a random red packet, Red Packet ID: 1002; 1.2 E-wallet A sends a notification to user 2 to claim a random red packet, Red Packet ID: 1002; 1.3 E-wallet A sends a notification to user 3 to claim a random red packet, Red Packet ID: 1002; 1.4 E-wallet A sends a notification to user 4 to claim a random red packet, Red Packet ID: 1002; 1.5 E-wallet A sends a notification to user 5 to claim a random red packet, Red Packet ID: 1002. Steps 1.1-1.5 above indicate that users 1 through 5 simultaneously receive the notification to claim the same red packet, Red Packet ID: 1002.

[0173] [User 2's process for receiving an e-red envelope]: 2.1 User 2 clicks to receive the red envelope; 2.2 E-wallet A queries the first unclaimed sub-red envelope with red envelope ID 1002; 2.3 E-wallet A credits the amount of the sub-red envelope to User 2's account and changes the red envelope status to "received"; 2.4 E-wallet A sends a notification to User 2 that the red envelope has been successfully received. The above steps 2.1-2.4 are based on User 2's actual operation and response process and are applicable to other users as well.

[0174] [Handling Expired Red Packets]: 3.1 After a red packet expires after 24 hours, e-wallet A queries all sub-red packets of the red packet in the "issuing" status (for red packet ID: 1002); 3.2 e-wallet A checks whether all sub-red packets of this red packet have been claimed: if all sub-red packets have been claimed, the red packet status is changed to "completed"; otherwise, if there are unclaimed sub-red packets, the red packet status is changed to "expired". The above 3.1-3.2 are the automatic status update logic after a red packet expires, ensuring that the red packet eventually enters either the "completed" or "expired" state.

[0175] 4) For the settlement phase: Add a status bar to each red envelope to indicate whether settlement has been completed. Optionally, the red envelope status also includes: settled status and unsettled status. See Table 3 for an example.

[0176] Table 3

[0177] e-wallet A queries all outstanding red envelopes and summarizes them into sub-red envelopes, categorized by whether they are claimed or unclaimed. For claimed sub-red envelopes, the payment amount in the specified currency is summed and paid to e-wallet A. For unclaimed sub-red envelopes, the payment amount in the specified currency is summed by red envelope ID. The sending account for each red envelope ID is then retrieved from e-wallet B, and e-wallet A notifies e-wallet B to refund the payment amount for each user ID based on their respective red envelope IDs.

[0178] Beneficial effects This embodiment upgrades the sending of e-resource packages across e-wallets from the traditional model of "high cost, low efficiency, and complex operation" to a new service that is "extremely simple to operate, transparent in fees, instant in-flight payments, and socially engaging." This significantly improves the user experience, enriches the deduction methods for sending e-resource packages, and enhances human-computer interaction efficiency. Simultaneously, it provides solutions for scenarios such as cross-border social networking and team incentives. The advantages also include at least: 1) Ease of Use. Minimalist interaction lowers the user barrier: One-click binding eliminates the need for repetitive input: Users only need to bind their wallets upon first use. For example, if e-wallet A is bound to e-wallet B, when e-wallet A sends an e-resource package, the system automatically fills in the information of e-wallet B, such as User_B_ID. There's no need to manually enter 12 technical fields like SWIFT / IBAN. The operation steps are reduced from 12 steps related to technical issues to 3: Select recipient → Enter amount → Confirm. Seamless Refund Experience: Unclaimed sub-resource packages time out, for example, after 24 hours, automatically refunding the original currency to the sending account's e-wallet B. Users don't need to actively process refunds, avoiding fund stagnation due to forgetting to claim or incorrect information, and reducing social awkwardness.

[0179] 2) Transparent transaction fees. Costs are predictable, with no hidden losses. The locked exchange rate is publicly displayed, and the fee structure is clear: the system displays the locked exchange rate in real time when sending resource packages, allowing users to preview the actual amount received and paid. No secondary exchange losses: unclaimed sub-resource packages are directly returned in the original currency. For example, currency Y is returned as currency Y, avoiding the secondary exchange losses of approximately 1%-2% in traditional schemes where "currency Y → currency X → currency Y".

[0180] 3) Timeliness. Instant payment, meeting the needs of real-time social interaction. Claimed resource packs are credited to users instantly: After the recipient claims the sub-resource pack, the system delivers the funds in seconds (<1 second), eliminating the 1-5 business days required by traditional SWIFT networks, perfectly matching the social attribute of resource packs as "instant blessings." Real-time status synchronization: The sender can view the resource pack status in real time through the wallet app, such as "3 / 5 claimed" or "2 remaining unclaimed," avoiding communication costs caused by information asynchrony, such as repeatedly asking "Has the resource pack arrived?"

[0181] 4) Social Attributes. Enhanced interaction and adaptability to diverse scenarios. Random resource packs stimulate participation: Supports random amount allocation among multiple users, such as team incentives and holiday resource packs. The randomness of the amount is guaranteed by an encryption algorithm, with each sub-resource pack containing ≥0.01 units of currency, ensuring both fairness and added fun. Customized greetings and covers: Users can customize resource pack covers, such as Spring Festival themes, birthday greetings, and additional greetings, such as "Happy New Year!" or "Successful project!", strengthening the transmission of social emotions and meeting personalized needs.

[0182] Figure 12 This is a block diagram of an electronic resource package (ERP) sending apparatus provided in an exemplary embodiment of this application. The ERP sending apparatus 800 is used to implement sending an account-used first device. The ERP sending apparatus 800 includes at least some of the following modules: an acquisition module 810, a creation module 820, and a sending module 830.

[0183] The acquisition module 810 is used to acquire the binding relationship between a first type of resource account and a second type of resource account, wherein the resource types of the first type of resource account and the second type of resource account are different; A creation module 820 is configured to, in response to a creation operation, create at least one electronic resource package in the first type of resource account, wherein the at least one electronic resource package is sent by the sending account using the first type of resource account instead of the second type of resource account; The sending module 830 is configured to, in response to a sending operation, send the at least one electronic resource package, and, based on the total resource package amount of the at least one electronic resource package, deduct the second account balance of the second type of resource account.

[0184] In some embodiments, the sending module 830 is configured to: Based on the exchange ratio between the first type of resource account and the second type of resource account and the total resource package amount of the at least one electronic resource package, the balance of the second account of the second type of resource account is deducted; The exchange ratio is determined based on the agreed exchange ratio corresponding to the creation time of the at least one electronic resource package, and the agreed exchange ratio is agreed upon by the first type of resource account and the second type of resource account.

[0185] In some embodiments, the sending module 830 is configured to: Based on the exchange ratio between the first type of resource account and the second type of resource account and the total amount of the at least one electronic resource package, the deduction amount corresponding to the second type of resource account is determined. The deduction amount is deducted from the balance of the second account of the second type of resource account.

[0186] In some embodiments, the sending module 830 is configured to: Send a deduction notification to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account; The deduction notification information is used to indicate the deduction amount.

[0187] In some embodiments, the sending module 830 is configured to: Receive the first key information of the resource account of the first type; In response to the first key information being verified, the deduction notification information is sent to the second type of resource account to deduct the deduction amount from the second account balance of the second type of resource account.

[0188] In some embodiments, the sending module 830 is configured to: The successful deduction message is displayed in the first type of resource account; The successful deduction information indicates that the deduction amount has been successfully deducted from the balance of the second account of the second type of resource account.

[0189] In some embodiments, the sending module 830 is further configured to: Lock the exchange ratio between the first type of resource account and the second type of resource account for the at least one electronic resource package created this time and set the lock duration to a preset duration, and lock the total resource package amount of the at least one electronic resource package in the deduction amount corresponding to the second type of resource account; Send a lock message to the second type of resource account; In response to receiving a lock success message returned by the second type of resource account based on the lock information, the lock success message is displayed in the first type of resource account; The locking information is used to indicate the exchange ratio, the total amount of the resource package, and the deduction amount locked for the at least one electronic resource package created this time.

[0190] In some embodiments, module 820 is created for: In response to the selection action, select the second type of resource account as the deduction account; In response to the creation operation, a creation interface is displayed in the first type of resource account; In response to the editing operation on the creation interface, edit at least two of the following: resource package sending mode, total resource package amount, total number of resource packages, and greeting message; In response to the confirmation operation on the creation interface, the creation of the at least one electronic resource package is confirmed.

[0191] In some embodiments, module 820 is created for at least two of the following: The creation interface displays a quota input box for the total resource package amount; In response to an input operation, the total amount of the resource package entered is displayed in the amount input box, and the deduction amount corresponding to the total amount of the resource package in the second type of resource account is automatically displayed; The total resource package limit is input based on the resource type of the first type of resource account; And / or, The creation interface displays candidate sending modes for the at least one electronic resource package; In response to the selection operation, the resource packet sending mode is selected from the candidate sending modes; The candidate sending modes include at least one of the following: sending a single-person resource packet, sending an average resource packet for multiple people, and sending a random resource packet for multiple people; And / or, The creation interface displays a quantity input box for the total number of resource packages. In response to an input operation, the total number of the resource packages entered is displayed in the quantity input box; And / or, The blessing input box is displayed on the creation interface. In response to an input action, the entered blessing is displayed or automatically filled in the blessing input box.

[0192] In some embodiments, the resource packet sending mode includes sending multiple random resource packets, the total number of resource packets is n, and the at least one electronic resource packet is n sub-resource packets, where n is a positive integer greater than 1; Create module 820 for: Based on the total resource package amount, determine the resource package sub-amounts for n sub-resource packages.

[0193] In some embodiments, module 820 is created for: Based on the total resource package amount, the upper limit of the sub-quota for each of the n sub-resource packages is dynamically calculated; The resource package sub-quota is determined by uniformly and randomly selecting values ​​within the range of the preset sub-quota lower limit and the sub-quota upper limit; Based on the total resource package quota and the resource package sub-quota of the first n-1 sub-resource packages, the remaining resource package quota is determined as the resource package quota of the nth sub-resource package.

[0194] In some embodiments, module 820 is created for: Store the resource package data of the at least one electronic resource package; The resource package data includes at least one of the following: resource package identifier, sub-resource package identifier, total resource package amount, sub-resource package amount, resource package sending mode, resource package status, and sub-resource package status; the resource package status includes at least one of the following: completed status, disbursement status, received status, unreceived status, expired status, settled status, and unsettled status.

[0195] In some embodiments, the system further includes: a binding module; the binding module is configured to: In response to the binding operation, bind the first type of resource account and the second type of resource account.

[0196] In some embodiments, the binding module is used for: The binding interface is displayed for the first type of resource account; In response to the binding operation, a binding request is sent to the second type of resource account; In response to receiving the authorization binding information returned by the second type of resource account based on the binding request, the first type of resource account and the second type of resource account are bound together; The authorization binding information is generated when the first key information of the first type of resource account is entered into the second type of resource account, and the first key information is verified.

[0197] In some embodiments, the binding module is used for: In response to the binding operation, the identification information of the second type of resource account is received; The system will redirect to the verification interface and receive the first key information of the resource account of the first type. In response to the first key information being verified, the binding request is sent to the second type of resource account.

[0198] In some embodiments, the binding module is used for: Store the binding relationship between the first type of resource account and the second type of resource account; The binding relationship includes: a first type of resource account identifier, a second type of resource account identifier, a first user account identifier, and a second user account identifier.

[0199] In some embodiments, it further includes: a clearing module; the clearing module is configured to: Query the resource package status of the at least one electronic resource package; In response to the first electronic resource package being in an unsettled and expired state, the resource package sub-quota of the first electronic resource package is returned to the second type of resource account; In response to the fact that the second electronic resource package of the at least one electronic resource package is in an unsettled and claimed state, the resource package sub-amount of the second electronic resource package is paid to the first type of resource account.

[0200] In some embodiments, the clearing module is configured to: Based on the exchange ratio between the first type of resource account and the second type of resource account locked for the at least one electronic resource package, and the resource package sub-quota of the first electronic resource package, the refund amount for the second type of resource account is determined. The refund amount will be returned to the second type of resource account.

[0201] In some embodiments, the clearing module is configured to: Based on the exchange ratio between the first type of resource account and the second type of resource account locked for the at least one electronic resource package, and the resource package sub-amount of the second electronic resource package, the payment amount of the second type of resource account is determined. The payment amount for the total resource package amount of the at least one electronic resource package in the deduction amount corresponding to the second type of resource account will be paid to the first type of resource account.

[0202] Figure 13 This is a block diagram of an electronic resource package retrieval device provided in an exemplary embodiment of this application. The electronic resource package retrieval device 900 is a second device used to retrieve an account. The electronic resource package retrieval device 900 includes at least some of the following modules: a display module 910 and a retrieval module 920.

[0203] Display module 910 is used to display an interface for claiming at least one electronic resource package in the first type of resource account; The receiving module 920 is configured to, in response to the receiving operation, receive a second electronic resource package from the at least one electronic resource package, and, based on the resource package sub-quota of the second electronic resource package, increase the first account balance of the first type of resource account; The at least one electronic resource package is created and sent by the sending account using the first type of resource account instead of the second type of resource account. The total resource package amount of the at least one electronic resource package is deducted from the second account balance of the second type of resource account. The first type of resource account and the second type of resource account are bound together, and the resource types of the first type of resource account and the second type of resource account are different.

[0204] In some embodiments, the receiving module 920 is further configured to: Display a successful claim message in the first type of resource account, and change the resource package status of the second electronic resource package from unclaimed to claimed. The success message indicates that the second electronic resource package has been successfully received.

[0205] It should be noted that the specific limitations of the embodiments of the electronic resource package sending device 800 and the electronic resource package receiving device 900 provided above can be found in the limitations of the electronic resource package sending method and the electronic resource package receiving method above, and will not be repeated here. Each module of the above-mentioned device can be implemented entirely or partially through software, hardware, or a combination thereof. Each module can be embedded in the processor of the computer device in hardware form or independent of it, or it can be stored in the memory of the computer device in software form, so that the processor can call and execute the operations corresponding to each module.

[0206] This application also provides a computer device, which includes: a processor and a memory, wherein the memory stores a computer program; the processor is used to execute the computer program in the memory to implement the electronic resource package sending method and / or electronic resource package receiving method provided in the above method embodiments.

[0207] Figure 14 This is a structural block diagram of a computer device provided in an exemplary embodiment of this application.

[0208] The computer device 1000 can be a terminal, such as a smartphone, tablet, MP3 player (Moving Picture Experts Group Audio Layer III), MP4 player (Moving Picture Experts Group Audio Layer IV), unmanned reservation terminal, smart home appliance, smart voice interaction device, or unmanned vending terminal. The computer device 1000 may also be referred to as user equipment, portable terminal, portable mobile terminal, or other names.

[0209] Typically, computer device 1000 includes a processor 1001 and a memory 1002.

[0210] Processor 1001 may include one or more processing cores, such as a quad-core processor, an octa-core processor, etc. Processor 1001 may be implemented using at least one hardware form selected from DSP (Digital Signal Processing), FPGA (Field Programmable Gate Array), and PLA (Programmable Logic Array). Processor 1001 may also include a main processor and a coprocessor. The main processor, also known as a CPU (Central Processing Unit), is used to process data in the wake-up state; the coprocessor is a low-power processor used to process data in the standby state. In some embodiments, processor 1001 may integrate a GPU (Graphics Processing Unit), which is responsible for rendering and drawing the content to be displayed on the screen. In some embodiments, processor 1001 may also include an AI (Artificial Intelligence) processor, which is used to handle computational operations related to machine learning.

[0211] The memory 1002 may include one or more computer-readable storage media, which may be tangible and non-transitory. The memory 1002 may also include high-speed random access memory and non-volatile memory, such as one or more disk storage devices or flash memory devices. In some embodiments, the non-transitory computer-readable storage media in the memory 1002 are used to store at least one instruction, which is executed by the processor 1001 to implement the electronic resource package sending method and / or electronic resource package receiving method provided in the embodiments of this application.

[0212] In some embodiments, the computer device 1000 may also optionally include: a peripheral device interface 1003 and at least one peripheral device. Specifically, the peripheral device includes at least one of: a radio frequency circuit 1004, a touch display screen 1005, a camera assembly 1006, an audio circuit 1007, and a power supply 1008.

[0213] Peripheral device interface 1003 can be used to connect at least one I / O (Input / Output) related peripheral device to processor 1001 and memory 1002. In some embodiments, processor 1001, memory 1002 and peripheral device interface 1003 are integrated on the same chip or circuit board; in some other embodiments, any one or two of processor 1001, memory 1002 and peripheral device interface 1003 can be implemented on separate chips or circuit boards, which is not limited in this embodiment.

[0214] The radio frequency (RF) circuit 1004 is used to receive and transmit RF (Radio Frequency) signals, also known as electromagnetic signals. The RF circuit 1004 communicates with communication networks and other communication devices via electromagnetic signals. The RF circuit 1004 converts electrical signals into electromagnetic signals for transmission, or converts received electromagnetic signals back into electrical signals. Optionally, the RF circuit 1004 includes: an antenna system, an RF transceiver, one or more amplifiers, a tuner, an oscillator, a digital signal processor, a codec chipset, a user identity module card, etc. The RF circuit 1004 can communicate with other terminals through at least one wireless communication protocol. This wireless communication protocol includes, but is not limited to: the World Wide Web, metropolitan area networks, intranets, various generations of mobile communication networks (2G, 3G, 4G, and 5G), wireless local area networks, and / or WiFi (Wireless Fidelity) networks. In some embodiments, the RF circuit 1004 may also include circuitry related to NFC (Near Field Communication), which is not limited in this application.

[0215] The touch display screen 1005 is used to display a UI (User Interface). This UI may include graphics, text, icons, videos, and any combination thereof. The touch display screen 1005 also has the ability to collect touch signals on or above its surface. These touch signals can be input as control signals to the processor 1001 for processing. The touch display screen 1005 is used to provide virtual buttons and / or a virtual keyboard, also known as soft buttons and / or a soft keyboard. In some embodiments, there may be one touch display screen 1005, located on the front panel of the computer device 1000; in other embodiments, there may be at least two touch display screens, respectively located on different surfaces of the computer device 1000 or in a folded design; in some embodiments, the touch display screen 1005 may be a flexible display screen, located on a curved or folded surface of the computer device 1000. Furthermore, the touch display screen 1005 may be configured as a non-rectangular, irregular shape, i.e., a non-rectangular screen. The touch display screen 1005 may be made of materials such as LCD (Liquid Crystal Display) or OLED (Organic Light-Emitting Diode).

[0216] The camera assembly 1006 is used to capture images or videos. Optionally, the camera assembly 1006 includes a front-facing camera and a rear-facing camera. Typically, the front-facing camera is used for video calls or selfies, and the rear-facing camera is used for taking photos or videos. In some embodiments, there are at least two rear-facing cameras, which are any one of a main camera, a depth-sensing camera, and a wide-angle camera, to achieve background blurring by fusion of the main camera and the depth-sensing camera, and panoramic shooting and VR (Virtual Reality) shooting by fusion of the main camera and the wide-angle camera. In some embodiments, the camera assembly 1006 may also include a flash. The flash can be a single-color temperature flash or a dual-color temperature flash. A dual-color temperature flash is a combination of a warm-light flash and a cool-light flash, which can be used for light compensation at different color temperatures.

[0217] Audio circuit 1007 provides an audio interface between the user and computer device 1000. Audio circuit 1007 may include a microphone and a speaker. The microphone is used to collect sound waves from the user and the environment, converting the sound waves into electrical signals that are input to processor 1001 for processing, or input to radio frequency circuit 1004 for voice communication. For stereo sound acquisition or noise reduction purposes, multiple microphones may be used, each located at a different location within computer device 1000. The microphone may also be an array microphone or an omnidirectional microphone. The speaker converts electrical signals from processor 1001 or radio frequency circuit 1004 into sound waves. The speaker may be a conventional diaphragm speaker or a piezoelectric ceramic speaker. When the speaker is a piezoelectric ceramic speaker, it can convert electrical signals not only into audible sound waves but also into inaudible sound waves for purposes such as distance measurement. In some embodiments, audio circuit 1007 may also include a headphone jack.

[0218] Power supply 1008 is used to supply power to the various components in computer device 1000. Power supply 1008 can be AC ​​power, DC power, a disposable battery, or a rechargeable battery. When power supply 1008 includes a rechargeable battery, the rechargeable battery can be a wired rechargeable battery or a wireless rechargeable battery. A wired rechargeable battery is a battery that is charged via a wired line, and a wireless rechargeable battery is a battery that is charged via a wireless coil. The rechargeable battery can also be used to support fast charging technology.

[0219] In some embodiments, the computer device 1000 further includes one or more sensors 1009. The one or more sensors 1009 include, but are not limited to, an accelerometer 1010, a gyroscope 1011, a pressure sensor 1012, an optical sensor 1013, and a proximity sensor 1014.

[0220] Accelerometer 1010 can detect the magnitude of acceleration along the three coordinate axes of a coordinate system established by computer device 1000. For example, accelerometer 1010 can be used to detect the components of gravitational acceleration along the three coordinate axes. Processor 1001 can control touchscreen 1005 to display the user interface in landscape or portrait view based on the gravitational acceleration signal acquired by accelerometer 1010. Accelerometer 1010 can also be used for games or for acquiring user motion data.

[0221] The gyroscope sensor 1011 can detect the orientation and rotation angle of the computer device 1000. The gyroscope sensor 1011 can work in conjunction with the accelerometer sensor 1010 to acquire the user's 3D movements on the computer device 1000. Based on the data acquired by the gyroscope sensor 1011, the processor 1001 can perform the following functions: motion sensing (e.g., changing the UI based on the user's tilt), image stabilization during shooting, game control, and inertial navigation.

[0222] The pressure sensor 1012 can be disposed on the side bezel of the computer device 1000 and / or on the lower layer of the touch display screen 1005. When the pressure sensor 1012 is disposed on the side bezel of the computer device 1000, it can detect the user's grip signal on the computer device 1000 and perform left / right hand recognition or quick operation based on the grip signal. When the pressure sensor 1012 is disposed on the lower layer of the touch display screen 1005, it can control operable controls on the UI interface based on the user's pressure operation on the touch display screen 1005. Operable controls include at least one of button controls, scroll bar controls, icon controls, and menu controls.

[0223] An optical sensor 1013 is used to collect ambient light intensity. In one embodiment, the processor 1001 can control the display brightness of the touch screen 1005 based on the ambient light intensity collected by the optical sensor 1013. Specifically, when the ambient light intensity is high, the display brightness of the touch screen 1005 is increased; when the ambient light intensity is low, the display brightness of the touch screen 1005 is decreased. In another embodiment, the processor 1001 can also dynamically adjust the shooting parameters of the camera assembly 1006 based on the ambient light intensity collected by the optical sensor 1013.

[0224] The proximity sensor 1014, also known as a distance sensor, is typically located on the front of the computer device 1000. The proximity sensor 1014 is used to detect the distance between the user and the front of the computer device 1000. In one embodiment, when the proximity sensor 1014 detects that the distance between the user and the front of the computer device 1000 is gradually decreasing, the processor 1001 controls the touchscreen display 1005 to switch from a screen-on state to a screen-off state; when the proximity sensor 1014 detects that the distance between the user and the front of the computer device 1000 is gradually increasing, the processor 1001 controls the touchscreen display 1005 to switch from a screen-off state to a screen-on state.

[0225] Those skilled in the art will understand that Figure 14 The structure shown does not constitute a limitation on the computer device and may include more or fewer components than shown, or combine certain components, or use different component arrangements.

[0226] In an exemplary embodiment, this application also provides a chip, which includes programmable logic circuits and / or computer instructions. When the chip is run on a computer device, it is used to implement the electronic resource package sending method and / or electronic resource package receiving method provided in the above method embodiments.

[0227] This application also provides a computer-readable storage medium storing a computer program, which is loaded and executed by a processor to implement the electronic resource package sending method and / or electronic resource package receiving method provided in the above method embodiments.

[0228] This application also provides a computer program product or computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the processor of the computer device to load and execute the method for sending and / or receiving electronic resource packages provided in the above-described method embodiments.

[0229] The sequence numbers of the embodiments in this application are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0230] Those skilled in the art will understand that all or part of the steps of the above embodiments can be implemented by hardware or by a program instructing related hardware. The program can be stored in a computer-readable storage medium, such as a read-only memory, a disk, or an optical disk.

[0231] Those skilled in the art will recognize that the functions described in the embodiments of this application in one or more of the above examples can be implemented using hardware, software, firmware, or any combination thereof. When implemented using software, these functions can be stored in a computer-readable medium or transmitted as one or more instructions or code on a computer-readable medium. Computer-readable media include computer storage media and communication media, wherein communication media include any medium that facilitates the transfer of a computer program from one place to another. Storage media can be any available medium that can be accessed by a general-purpose or special-purpose computer.

[0232] The above description is merely an optional embodiment of this application and is not intended to limit this application. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the protection scope of this application.

Claims

1. A method of transmitting an electronic resource package, characterized by, The method is executed by a first device used by a sending account; the method comprises: obtaining a binding relationship of a first type resource account and a second type resource account, the resource type of the first type resource account being different from that of the second type resource account; in response to a creation operation, creating at least one electronic resource package in the first type resource account, the at least one electronic resource package being sent by the sending account using the first type resource account instead of the second type resource account; in response to a sending operation, sending the at least one electronic resource package, and based on a total quota of the at least one electronic resource package, deducting a second account balance of the second type resource account.

2. The method of claim 1, wherein, The method further comprises: based on the exchange ratio of the first type resource account and the second type resource account and the total quota of the at least one electronic resource package, determining a deduction quota corresponding to the second type resource account; deducting the second account balance of the second type resource account by the deduction quota.

3. The method of claim 2, wherein, The method further comprises: sending deduction notification information to the second type resource account to deduct the second account balance of the second type resource account by the deduction quota; wherein the deduction notification information is used to indicate the deduction quota.

4. The method of claim 3, wherein, The method further comprises: receiving first key information of the first type resource account; in response to the first key information being verified, sending the deduction notification information to the second type resource account to deduct the second account balance of the second type resource account by the deduction quota.

5. The method of claim 4, wherein, The method further comprises: displaying deduction success information in the first type resource account; wherein the deduction success information is used to indicate that the second account balance of the second type resource account has been successfully deducted by the deduction quota.

6. The method according to any one of claims 1 to 5, characterized in that, The method further comprises: ​ ​ 7. The method according to any one of claims 1 to 6, characterized in that, ​ locking an exchange ratio of the first type resource account and the second type resource account for the at least one electronic resource package created this time and setting a locking duration as a preset duration, and locking a total resource amount of the at least one electronic resource package as a deduction amount corresponding to the second type resource account; sending locking information to the second type resource account; in response to receiving locking success information returned by the second type resource account based on the locking information, displaying the locking success information in the first type resource account; wherein the locking information is used to indicate the exchange ratio, the total resource amount and the deduction amount locked for the at least one electronic resource package created this time.

8. The method according to any one of claims 1 to 7, characterized in that, The response to the creation operation, creating at least one electronic resource package in the first type resource account, includes: in response to the selection operation, selecting the second type resource account as a deduction account; in response to the creation operation, displaying a creation interface in the first type resource account; in response to the editing operation in the creation interface, editing at least two of the resource package sending mode, the total resource amount, the total number of resource packages, and the blessing; in response to the confirmation operation in the creation interface, confirming the creation of the at least one electronic resource package.

9. The method of claim 8, wherein, The response to the editing operation in the creation interface, editing at least two of the resource package sending mode, the total resource amount, the total number of resource packages, and the blessing, includes at least two of the following: displaying an amount input box of the total resource amount in the creation interface; in response to the input operation, displaying the input total resource amount in the amount input box, and automatically displaying the deduction amount corresponding to the second type resource account of the total resource amount; wherein the total resource amount is input based on the resource type of the first type resource account; and / or, displaying a candidate sending mode of the at least one electronic resource package in the creation interface; in response to the selection operation, selecting the resource package sending mode from the candidate sending mode; wherein the candidate sending mode includes at least one of the following: sending a single person resource package, sending a multi-person average resource package, and sending a multi-person random resource package; and / or, displaying a number input box of the total number of resource packages in the creation interface; in response to the input operation, displaying the input total number of resource packages in the number input box; and / or, displaying a blessing input box of the blessing in the creation interface; in response to the input operation, displaying the input or automatically filling the blessing in the blessing input box.

10. The method of claim 9, wherein, The resource package sending mode includes the sending of a multi-person random resource package, the total number of resource packages is n, the at least one electronic resource package is n sub-resource packages, and n is a positive integer greater than 1; The method further includes: based on the total resource amount, determining a resource package sub-amount of n sub-resource packages.

11. The method of claim 10, wherein, The method further includes: based on the total resource amount, dynamically calculating an upper limit value of the sub-amount of the n sub-resource packages; Determine the resource package sub-amounts of the first n-1 sub-resource packages by uniformly randomly selecting values within the interval of the preset lower limit value and the upper limit value of the sub-amounts; Determine the resource package residual amount as the resource package sub-amount of the nth sub-resource package based on the total resource package amount and the resource package sub-amounts of the first n-1 sub-resource packages.

12. The method according to any one of claims 8 to 11, characterized in that, The method further comprises: storing resource package data of the at least one electronic resource package; The resource package data comprises at least one of the following: resource package identification, sub-resource package identification, total resource package amount, resource package sub-amount, resource package sending mode, resource package state, sub-resource package state; the resource package state comprises at least one of the following: completed state, in-distribution state, already-received state, not-received state, expired state, cleared state, and not-cleared state.

13. The method according to any one of claims 1 to 12, characterized in that, The method further comprises: binding the first type resource account and the second type resource account in response to a binding operation.

14. The method of claim 13, wherein, The binding of the first type resource account and the second type resource account in response to the binding operation comprises: displaying a binding interface on the first type resource account; sending a binding request to the second type resource account in response to the binding operation; binding the first type resource account and the second type resource account in response to receiving authorization binding information returned by the second type resource account based on the binding request; The authorization binding information is generated when the first key information of the first type resource account is input into the second type resource account and the first key information is verified to be correct.

15. An electronic resource package acquisition method characterized by comprising: The method is executed by a second device used by a receiving account; the method comprises: displaying a receiving interface of at least one electronic resource package on the first type resource account; receiving a second electronic resource package of the at least one electronic resource package in response to a receiving operation, and increasing a first account balance of the first type resource account based on a resource package sub-amount of the second electronic resource package; The at least one electronic resource package is created and sent by a sending account using the first type resource account instead of a second type resource account, and a total resource package amount of the at least one electronic resource package is deducted from a second account balance of the second type resource account; the first type resource account and the second type resource account have a binding relationship; the resource types of the first type resource account and the second type resource account are different.

16. An electronic resource package sending device, characterized in that, The device is used to implement a first device used by a sending account; the device comprises: an obtaining module configured to obtain a binding relationship of a first type resource account and a second type resource account, wherein the resource types of the first type resource account and the second type resource account are different; a creating module configured to create at least one electronic resource package in the first type resource account in response to a creating operation, wherein the at least one electronic resource package is sent by the sending account using the first type resource account instead of the second type resource account. The sending module is configured to, in response to a sending operation, send the at least one electronic resource package, and deduct a second account balance of the second type resource account based on a total resource package quota of the at least one electronic resource package.

17. A device for dispensing electronic resource packages, characterized in that, The device is used to implement a second device used by the account; the device includes: The display module is configured to display, in the first type resource account, a receiving interface of at least one electronic resource package. The receiving module is configured to, in response to a receiving operation, receive a second electronic resource package of the at least one electronic resource package, and increase a first account balance of the first type resource account based on a sub-quota of the second electronic resource package. The at least one electronic resource package is created and sent in the first type resource account by the sending account instead of the second type resource account, a total resource package quota of the at least one electronic resource package is deducted from a second account balance of the second type resource account, the first type resource account and the second type resource account have a binding relationship, and the first type resource account and the second type resource account have different resource types.

18. A computer device, comprising: The computer device includes a processor and a memory, the memory stores a computer program, the computer program is loaded and executed by the processor to implement the electronic resource package sending method of any one of claims 1 to 14, or implement the electronic resource package receiving method of claim 15.

19. A computer-readable storage medium, characterized in that, The computer readable storage medium stores a computer program, the computer program is loaded and executed by the processor to implement the electronic resource package sending method of any one of claims 1 to 14, or implement the electronic resource package receiving method of claim 15.

20. A computer program product, characterised in that, The computer program product includes computer instructions stored in a computer readable storage medium, the processor obtains the computer instructions from the computer readable storage medium, so that the processor is loaded and executed to implement the electronic resource package sending method of any one of claims 1 to 14, or implement the electronic resource package receiving method of claim 15.

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