Digital resource allocation method, system and device, storage medium and electronic device

Abstract

The invention discloses a digital resource allocation method, system and device, a storage medium and an electronic device. The method comprises the following steps: receiving a first allocation request initiated by an allocation client of a first digital resource; according to first account information carried in the first distribution request, calling an account database to detect an exchange attribute of the target user account to obtain an exchange attribute detection result, according to first object information carried in the first distribution request, calling an object database to detect the object attribute of the target product object to obtain an object attribute detection result; sending a second allocation request to an allocation client of a second digital resource according to the exchange attribute detection result and the object attribute detection result; receiving an account auditing result returned by the distribution client of the second digital resource in response to the second distribution request; and distributing the target digital resource to the target user account according to the account audit result. According to the technical scheme, the problem that the distribution efficiency of the digital resources is low in the prior art is solved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and more specifically, to a method and system for allocating digital resources, an apparatus, a storage medium, and an electronic device. Background Technology

[0002] To stimulate the economy, various digital resources have been introduced as redeemable assets for corresponding products, such as issuing housing vouchers to reduce consumer spending when purchasing a home. However, the current allocation of digital resources relies on manual approval. Applicants need to prepare various paper materials and submit them to relevant departments, where each material is reviewed manually, making the process slow and time-consuming.

[0003] No effective solutions have yet been proposed to address the low efficiency of digital resource allocation in related technologies. Summary of the Invention

[0004] This application provides a method, system, apparatus, storage medium, and electronic device for allocating digital resources, in order to at least solve the problem of low allocation efficiency of digital resources in related technologies.

[0005] According to one embodiment of this application, a method for allocating digital resources is provided, applied to a digital resource allocation server. The method includes: receiving a first allocation request initiated by a first digital resource allocation client, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to a target user account logged into the first digital resource allocation client, the digital resources being used as redemption resources to redeem product objects; responding to the first allocation request, calling an account database based on first account information carried in the first allocation request to detect the redemption attributes of the target user account and obtain a redemption attribute detection result, and calling an object database based on first object information carried in the first allocation request to detect the object attributes of the target product object and obtain an object attribute detection result. The process involves several steps: First, the redemption attribute indicates the target user account's permission to use digital resources. Second, the object attribute indicates whether the target product object has the permission to redeem digital resources. Based on the redemption attribute and object attribute detection results, a second allocation request is sent to the second digital resource allocation client. The second digital resource allocation client is logged into the target audit account corresponding to the target user account. The second allocation request requests the target audit account to audit whether it is permissible to allocate target digital resources to the target user account (with redemption attribute detection results) for redeeming target product objects (with object attribute detection results). The process also involves receiving the account audit result returned by the second digital resource allocation client in response to the second allocation request. Finally, the target digital resources are allocated to the target user account based on the account audit result.

[0006] Optionally, based on the first account information carried in the first allocation request, the account database is invoked to detect the redemption attributes of the target user account to obtain the redemption attribute detection result, including: extracting account education information and object contract information from the first allocation request, wherein the first account information includes account education information and object contract information; generating a first verification request corresponding to the account education information and a second verification request corresponding to the object contract information, wherein the first verification request is used to verify the validity of the account education information and the second verification request is used to verify the validity of the object contract information; sending the first verification request to the education information database and sending the second verification request to the contract information database, wherein the account database includes the education information database and the contract information database; receiving the first verification result returned by the education information database in response to the first verification request, and receiving the contract information. The information database responds to the second verification request and returns a second verification result; if both the first and second verification results indicate that the verification is successful, it calls the digital resource allocation database to check the first compliance of the account's educational information and the object's contract information, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; if the first verification result indicates that the educational information database cannot verify the validity of the account's educational information, and the second verification result indicates that the verification is successful, it determines that the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources; if the first compliance indicates that both the account's educational information and the object's contract information meet the allocation requirements of digital resources, it determines that the redemption attribute detection result indicates that the target user account has the permission to use digital resources.

[0007] Optionally, based on the first object information carried in the first allocation request, the object database is invoked to detect the object attributes of the target product object to obtain the object attribute detection result, including: extracting the first object information from the first allocation request; invoking the digital resource allocation database to detect the second compliance of the first object information, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; and if the second compliance is used to indicate that the first object information meets the allocation requirements of digital resources, determining that the object attribute detection result is used to indicate that the target product object has the right to use digital resources for redemption.

[0008] Optionally, a second allocation request is sent to the allocation client of the second digital resource based on the exchange attribute detection result and the object attribute detection result, including: converting the first allocation request into a second allocation request when the exchange attribute detection result indicates that the target user account has the permission to use the digital resource, and the object attribute detection result indicates that the target product object has the permission to use the digital resource for exchange; wherein the second allocation request carries a first tag and a second tag, the first tag indicating that the target user account has the permission to use the digital resource, and the second tag indicating that the target product object has the permission to use the digital resource for exchange; and sending the second allocation request to the allocation client of the second digital resource.

[0009] Optionally, a second allocation request is sent to the allocation client of the second digital resource based on the redemption attribute detection result and the object attribute detection result, including: converting the first allocation request into a second allocation request when the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use the digital resource, and the object attribute detection result indicates that the target product object has the permission to redeem the digital resource; wherein the second allocation request carries a second marker and a third marker, the second marker indicating that the target product object has the permission to redeem the digital resource, and the third marker indicating whether the target user account to be determined has the permission to use the digital resource; and sending the second allocation request to the allocation client of the second digital resource.

[0010] Optionally, allocating target digital resources to the target user account based on the account review result includes: extracting the target resource quantity from the first allocation request when the account review result indicates that the allocation of target digital resources to the target user account is permitted; detecting the reference resource quantity corresponding to the target product object based on the second account information of the target user account and the second object information of the target product object; determining the resource quantity to be allocated based on the target resource quantity and the reference resource quantity; and allocating the target digital resources of the resource quantity to be allocated to the target user account.

[0011] According to another embodiment of this application, a digital resource allocation system is also provided. The system includes: a digital resource allocation server, a first digital resource allocation client, and a second digital resource allocation client. Both the first and second digital resource allocation clients are connected to the digital resource allocation server. A target user account is logged into the first digital resource allocation client, and a target verification account is logged into the second digital resource allocation client. The first digital resource allocation client is used to initiate a first allocation request to the digital resource allocation server. The first allocation request requests the allocation of target digital resources to the target user account for redeeming target product objects. The digital resources are used as redemption resources to redeem product objects. The digital resource allocation server is used to receive the first allocation request. In response to the first allocation request, it calls an account database based on the first account information carried in the first allocation request to detect the redemption attributes of the target user account and obtain a redemption attribute detection result. It also calls an object database based on the first object information carried in the first allocation request to redeem target product objects. The system detects object attributes to obtain object attribute detection results. The redemption attribute indicates the target user account's permission to use digital resources, and the object attribute indicates whether the target product object has the permission to redeem digital resources. Based on the redemption attribute detection results and the object attribute detection results, a second allocation request is sent to the second digital resource allocation client. This second allocation request requests the target verification account to verify whether it is permissible to allocate target digital resources for redeeming target product objects with the object attribute detection results to the target user account with the redemption attribute detection results. The system receives the account verification result returned by the second digital resource allocation client in response to the second allocation request. Based on the account verification result, the system allocates target digital resources to the target user account. The second digital resource allocation client receives the second allocation request from the digital resource allocation server. In response to the second allocation request, it verifies whether it is permissible to allocate target digital resources for redeeming target product objects to the target user account with both redemption attribute and object attribute detection results, obtaining an account verification result. Finally, the system sends the account verification result to the digital resource allocation server.

[0012] According to another embodiment of this application, a digital resource allocation apparatus is also provided, applied to a digital resource allocation server. The apparatus includes: a first receiving module, configured to receive a first allocation request initiated by a first digital resource allocation client, wherein the first allocation request requests allocation of target digital resources for redeeming target product objects to a target user account logged into the first digital resource allocation client, the digital resources being used as redemption resources to redeem product objects; and a detection module, configured to respond to the first allocation request, call an account database based on first account information carried in the first allocation request to detect the redemption attributes of the target user account to obtain a redemption attribute detection result, and call an object database based on first object information carried in the first allocation request to detect the object attributes of the target product object to obtain an object attribute detection result. The system includes a redemption attribute to indicate the target user account's permission to use digital resources, and an object attribute to indicate whether the target product object has the permission to redeem digital resources. A sending module sends a second allocation request to the second digital resource allocation client based on the redemption attribute detection result and the object attribute detection result. The second digital resource allocation client is logged into the target verification account corresponding to the target user account. The second allocation request requests the target verification account to verify whether it is permissible to allocate target digital resources to the target user account with the redemption attribute detection result for redeeming the target product object with the object attribute detection result. A second receiving module receives the account verification result returned by the second digital resource allocation client in response to the second allocation request. An allocation module allocates target digital resources to the target user account based on the account verification result.

[0013] According to another aspect of the embodiments of this application, a computer-readable storage medium is also provided, wherein a computer program is stored in the computer program, and the computer program is configured to execute the above-described digital resource allocation method when running.

[0014] According to another aspect of the embodiments of this application, an electronic device is also provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the digital resource allocation method through the computer program.

[0015] In this embodiment, the digital resource allocation server receives a first allocation request initiated by a first digital resource allocation client, responds to the first allocation request, calls the account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request, and calls the object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request. Based on the redemption attribute detection results and object attribute detection results obtained above, it sends a second allocation request to a second digital resource allocation client, receives the account verification results returned by the second digital resource allocation client in response to the second allocation request, and allocates the target digital resource to the target user account based on the account verification results. Through the interaction and cooperation of the digital resource allocation server, the first digital resource allocation client, and the second digital resource allocation client, an automated digital resource allocation mode is realized. Compared with the manual verification scheme that relies entirely on manual review of paper materials, the solution provided in this application can improve the efficiency of digital resource allocation. By adopting the above technical solution, the problem of low allocation efficiency of digital resources in related technologies is solved, and the technical effect of improving the allocation efficiency of digital resources is achieved. Attached Figure Description

[0016] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0017] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0018] Figure 1 This is a schematic diagram of the hardware environment for a digital resource allocation method according to an embodiment of this application;

[0019] Figure 2 This is a flowchart of a digital resource allocation method according to an embodiment of this application;

[0020] Figure 3 This is a schematic diagram of a digital resource allocation system according to an embodiment of this application;

[0021] Figure 4 This is a structural block diagram of a digital resource allocation device according to an embodiment of this application. Detailed Implementation

[0022] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present application, and not all embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative effort should fall within the scope of protection of the present application.

[0023] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0024] The collection, storage, use, processing, transmission, provision, and disclosure of financial data or user data involved in the technical solution of this application all comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0025] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0026] The methods and embodiments provided in this application can be executed on a computer terminal, device terminal, or similar computing device. Taking running on a computer terminal as an example, Figure 1 This is a schematic diagram of the hardware environment for a digital resource allocation method according to an embodiment of this application. Figure 1 As shown, a computer terminal may include one or more ( Figure 1 Only one is shown in the diagram. A processor 102 (which may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.) and a memory 104 for storing data are also shown. In one exemplary embodiment, the computer terminal may further include a transmission device 106 for communication functions and an input / output device 108. Those skilled in the art will understand that... Figure 1The structure shown is for illustrative purposes only and does not limit the structure of the computer terminal described above. For example, the computer terminal may also include components that are more complex than those described above. Figure 1 The more or fewer components shown, or having the same Figure 1 Equivalent functions or ratios shown Figure 1 The functions shown have more different configurations.

[0027] The memory 104 can be used to store computer programs, such as application software programs and modules, like the computer program corresponding to the digital resource allocation method in this embodiment of the invention. The processor 102 executes various functional applications and data processing by running the computer programs stored in the memory 104, thereby implementing the aforementioned method. The memory 104 may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor 102, and these remote memories can be connected to a computer terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0028] The transmission device 106 is used to receive or send data via a network. Specific examples of the network described above may include a wireless network provided by a communication provider for the computer terminal. In one example, the transmission device 106 includes a Network Interface Controller (NIC), which can connect to other network devices via a base station to communicate with the Internet. In another example, the transmission device 106 may be a Radio Frequency (RF) module used for wireless communication with the Internet.

[0029] This embodiment provides a method for allocating digital resources, which can be applied to the aforementioned computer terminal, or it can also be applied to a digital resource allocation server. Figure 2 This is a flowchart of a digital resource allocation method according to an embodiment of this application, the process including the following steps:

[0030] Step S202: Receive a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects.

[0031] Step S204: In response to the first allocation request, the account database is called to detect the redemption attribute of the target user account based on the first account information carried in the first allocation request to obtain the redemption attribute detection result. The object database is called to detect the object attribute of the target product object based on the first object information carried in the first allocation request to obtain the object attribute detection result. The redemption attribute is used to indicate the permission of the target user account to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to redeem digital resources.

[0032] Step S206: Based on the redemption attribute detection result and the object attribute detection result, a second allocation request is sent to the allocation client of the second digital resource. The allocation client of the second digital resource is logged in with the target audit account corresponding to the target user account. The second allocation request is used to request the target audit account to audit whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result.

[0033] Step S208: Receive the account verification result returned by the client responding to the second allocation request for the second digital resource;

[0034] Step S210: Allocate target digital resources to the target user account based on the account verification results.

[0035] Through the above steps, the digital resource allocation server receives a first allocation request initiated by the first digital resource allocation client, responds to the first allocation request, calls the account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request, and calls the object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request. Based on the redemption attribute detection results and object attribute detection results obtained above, it sends a second allocation request to the second digital resource allocation client, receives the account verification results returned by the second digital resource allocation client in response to the second allocation request, and allocates the target digital resource to the target user account based on the account verification results. Through the interaction and cooperation of the digital resource allocation server, the first digital resource allocation client, and the second digital resource allocation client, an automated digital resource allocation mode is realized. Compared with the manual verification scheme that relies entirely on paper materials, the scheme provided in this application can improve the efficiency of digital resource allocation. By adopting the above technical solution, the problem of low allocation efficiency of digital resources in related technologies is solved, and the technical effect of improving the allocation efficiency of digital resources is achieved.

[0036] Optionally, in this embodiment, digital resources may refer to, but are not limited to, any valuable information or data that can be stored, processed, and exchanged in a digital environment. Digital resources may include, but are not limited to, electronic coupons, points, digital certificates, digital copyrights, access to digital subscription services (such as online journals or video streaming services), digital products (such as software licenses, e-books), etc.

[0037] Optionally, in this embodiment, the digital resource allocation server may be, but is not limited to, a computer server specifically used for managing, controlling, and allocating digital resources.

[0038] In the technical solution provided in step S202 above, the product object may refer to, but is not limited to, specific goods or services that can be exchanged or purchased with digital resources. In many fields such as e-commerce and financial services, the product object may be, but is not limited to, physical goods, such as electronic products, clothing, and food, or virtual services, such as online courses, software applications, and memberships. The product object may, but is not limited to, having a clear price tag or the quantity of digital resources required for exchange.

[0039] In the technical solution provided in step S204 above, the first allocation request may, but is not limited to, carry first account information. The first account information may, but is not limited to, indicating the application attributes of the digital resources possessed by the target user account. The digital resources may, but are not limited to, be restricted to user accounts with certain application attributes. The application attributes indicated by the first account information may, but are not limited to, the educational level of the user bound to the target user account, the income level of the user bound to the target user account, and the price level of the target product, etc.

[0040] Optionally, in this embodiment, a first application form may be displayed on the first digital resource allocation client, and the first application form may be used to enter first account information, but is not limited to.

[0041] Optionally, in this embodiment, the account database may be, but is not limited to, a trusted database that stores real information about users and product objects, and may be used to verify whether the first account information carried in the first allocation request is real.

[0042] Optionally, in this embodiment, the authenticity of the first account information can be verified by calling the account database first. If the authenticity verification is successful, the target user account can then be checked for permission to use digital resources based on the first account information.

[0043] In an exemplary embodiment, the redemption attributes of the target user account can be detected by invoking an account database based on the first account information carried in the first allocation request, but not limited to the following methods: extracting account educational information and object contract information from the first allocation request, wherein the first account information includes account educational information and object contract information; generating a first verification request corresponding to the account educational information and a second verification request corresponding to the object contract information, wherein the first verification request is used to verify the validity of the account educational information and the second verification request is used to verify the validity of the object contract information; sending the first verification request to the educational information database and the second verification request to the contract information database, wherein the account database includes the educational information database and the contract information database; receiving the first verification result returned by the educational information database in response to the first verification request, and The system receives the second verification result returned by the contract information database in response to the second verification request; if both the first and second verification results indicate that the verification is successful, it calls the digital resource allocation database to check the first compliance of the account's educational information and the object's contract information, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; if the first verification result indicates that the educational information database cannot verify the validity of the account's educational information, and the second verification result indicates that the verification is successful, it determines that the exchange attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources; if the first compliance indicates that both the account's educational information and the object's contract information meet the allocation requirements of digital resources, it determines that the exchange attribute detection result indicates that the target user account has the permission to use digital resources.

[0044] Optionally, in this embodiment, the account's educational background information may be, but is not limited to, the educational level information of the user bound to the target user account.

[0045] Optionally, in this embodiment, the object contract information may be, but is not limited to, the status information of transactions or contracts related to the user bound to the target user account and the target product object.

[0046] Optionally, in this embodiment, after extracting the account's educational background information and the object's contractual information, the account's educational background information can be inserted into the first position of the first verification request template to obtain the first verification request, and the object's contractual information can be inserted into the second position of the second verification request template to obtain the second verification request.

[0047] Optionally, in this embodiment, the first verification request may be used, but is not limited to, to verify the validity of the account's educational background information. The validity of the account's educational background information may refer to whether the information is authentic, or it may also refer to whether the information is authentic and whether the content of the information meets certain additional requirements. For example, the first verification request may be used, but is not limited to, to verify whether the educational level in the account's educational background information is authentic and whether the time of obtaining the educational level is within a required first time range.

[0048] Optionally, in this embodiment, the second verification request may be used, but is not limited to, to request verification of the validity of the object's contractual information. The validity of the object's contractual information may refer to whether the object's contractual information is authentic, or the validity of the object's contractual information may also refer to whether the object's contractual information is authentic and whether the content of the object's contractual information meets certain additional requirements. For example, the second verification request may be used, but is not limited to, to request verification of whether the transaction or contract in the object's contractual information was actually signed, and whether the signing time of the transaction or contract is within the required second time range.

[0049] Optionally, in this embodiment, a first verification request may be sent to the academic qualification information database, and a second verification request may be sent to the contract information database. Then, the first verification result returned by the academic qualification information database in response to the first verification request may be received, and the second verification result returned by the contract information database in response to the second verification request may be received. That is, the first verification request and the second verification request are sent to the corresponding databases. Compared with the scheme of obtaining real information from the database and then comparing it with the information carried in the request, the scheme of providing information to the database and having the database provide the verification result can better protect data security and reduce the possibility of the real information stored in the database being improperly obtained.

[0050] Optionally, in this embodiment, if both the first and second verification results indicate that the verification is successful, the digital resource allocation database can be invoked to check the first compliance of the account's educational information and the object's contractual information. This allocation database may, but is not limited to, storing the requirements for account educational information and object contractual information during digital resource allocation. Only when the requirements in the allocation database are met can the exchange attribute detection result be determined as indicating that the target user account has the right to use digital resources. Therefore, if the first compliance indicates that the account's educational information and object contractual information meet the digital resource allocation requirements, the exchange attribute detection result can be determined as indicating that the target user account has the right to use digital resources; if the first compliance indicates that the account's educational information and / or object contractual information do not meet the digital resource allocation requirements, the exchange attribute can be determined as indicating that the target user account does not have the right to use digital resources.

[0051] Optionally, in this embodiment, the system may, but is not limited to, prompt that the first account information currently provided by the target user account is incorrect when the first verification result and / or the second verification result are both used to indicate that the verification failed.

[0052] Optionally, in this embodiment, since the educational information stored in the educational information database may be incomplete, for example, some levels of educational information may not be stored therein. Therefore, there may be a situation where the first verification result indicates that the educational information database cannot verify the validity of the account's educational information. If the second verification result indicates that the verification is successful in this case, it is determined that the current redemption attribute detection result indicates that it is impossible to determine whether the target user account has the permission to use digital resources, and a more intelligent or manual review is needed to further determine whether the target user account has the permission to use digital resources.

[0053] Optionally, in this embodiment, in addition to detecting the exchange attributes, it is also possible, but not limited to, detecting the object attributes.

[0054] Optionally, in this embodiment, the first allocation request may also include, but is not limited to, carrying first object information. The first object information may, but is not limited to, indicating the application attributes of digital resources possessed by the target product object. Digital resources may, but are not limited to, being restricted to redeeming only product objects possessing the application attributes of digital resources. These application attributes may, but are not limited to, the owner of the product object, etc.

[0055] Optionally, in this embodiment, a second application form may be displayed on the first digital resource allocation client, and the second application form may be used, but is not limited to, for entering information about the first object.

[0056] Optionally, in this embodiment, the object database may be, but is not limited to, a trusted database that stores real information about product objects, and may be, but is not limited to, verifying whether the first object information carried in the first allocation request meets the requirements for digital resource distribution through the object database.

[0057] In one exemplary embodiment, the object attributes of the target product object may be detected by invoking an object database based on the first object information carried in the first allocation request, but not limited to: extracting the first object information from the first allocation request; invoking a digital resource allocation database to detect the second compliance of the first object information, wherein the digital resource allocation database is used to store digital resource allocation requirements; and, if the second compliance indicates that the first object information meets the digital resource allocation requirements, determining that the object attribute detection result indicates that the target product object has the right to redeem digital resources.

[0058] Optionally, in this embodiment, after extracting the first object information, the allocation database of digital resources may be invoked to check the second compliance of the first object information. This allocation database may, but is not limited to, storing the requirements for the target product object during digital resource allocation.

[0059] Optionally, in this embodiment, if the second compliance is used to indicate that the first object information does not meet the allocation requirements of digital resources, the object attribute detection result can be used to indicate that the target product object does not have the right to use digital resources for redemption.

[0060] By conducting secondary compliance checks, the misallocation of digital resources can be avoided, and the accuracy of digital resource allocation can be improved.

[0061] In the technical solution provided in step S206 above, after obtaining the exchange attribute detection result and the object attribute detection result, a second allocation request can be sent to the second digital resource allocation client, but is not limited to this. The second allocation request can be used, but is not limited to, to request the target audit account to review whether to allow the allocation of the target digital resource based on different information according to different needs. For example, when a limited distribution of digital resources is required, the second allocation request can be used, but is not limited to, to request the target audit account to review whether to allow the allocation of the target digital resource to the target user account with the exchange attribute detection result based on the currently allocated amount and the remaining amount of digital resources. This design effectively controls the digital resource allocation process.

[0062] Optionally, in this embodiment, sending a second allocation request to the allocation client of the second digital resource based on the exchange attribute detection result and the object attribute detection result may include, but is not limited to, adding the exchange attribute detection result and the object attribute detection result to the first allocation request to obtain the second allocation request; sending the second allocation request to the allocation client of the second digital resource; or, adding the exchange attribute detection result to the exchange attribute position and the object attribute detection result to the object attribute position in the second allocation request template to obtain the second allocation request; and sending the second allocation request to the allocation client of the second digital resource. By only displaying the exchange attribute detection result and the object attribute detection result to the auditing account, the information security of the user account can be protected and the compliance of the digital resource allocation can be guaranteed.

[0063] In one exemplary embodiment, a second allocation request may be sent to the allocation client of the second digital resource based on the redemption attribute detection result and the object attribute detection result in the following manner: if the redemption attribute detection result indicates that the target user account has the permission to use the digital resource, and the object attribute detection result indicates that the target product object has the permission to redeem the digital resource, the first allocation request is converted into a second allocation request, wherein the second allocation request carries a first tag and a second tag, the first tag indicating that the target user account has the permission to use the digital resource, and the second tag indicating that the target product object has the permission to redeem the digital resource; the second allocation request is then sent to the allocation client of the second digital resource.

[0064] Optionally, in this embodiment, when the redemption attribute detection result is used to indicate that the target user account has the permission to use digital resources, and the object attribute detection result is used to indicate that the target product object has the permission to redeem digital resources, converting the first allocation request into a second allocation request may include, but is not limited to: adding a first tag to the redemption attribute position in the second allocation request template, and adding a second tag to the object attribute position in the second allocation request template to obtain the second allocation request.

[0065] Optionally, in this embodiment, when the redemption attribute detection result indicates that the target user account does not have the permission to use digital resources, and / or the object attribute detection result indicates that the target product object does not have the permission to redeem digital resources, the first allocation request can be sent directly as the second allocation request to the allocation client of the second digital resource, so as to facilitate the review of the account to verify the redemption attribute detection result and the object attribute detection result, and avoid the problem of missing allocation of digital resources.

[0066] Optionally, in this embodiment, by sending a second allocation request carrying a first tag and a second tag to the allocation client of the second digital resource for processing, the audit account can control the progress of digital resource allocation.

[0067] In one exemplary embodiment, a second allocation request may be sent to the allocation client of the second digital resource based on the redemption attribute detection result and the object attribute detection result in the following manner: when the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use the digital resource, and the object attribute detection result indicates that the target product object has the permission to redeem the digital resource, the first allocation request is converted into a second allocation request, wherein the second allocation request carries a second marker and a third marker, the second marker indicating that the target product object has the permission to redeem the digital resource, and the third marker indicating that it is to be determined whether the target user account has the permission to use the digital resource; and the second allocation request is sent to the allocation client of the second digital resource.

[0068] Optionally, in this embodiment, if the redemption attribute detection result indicates that it is impossible to determine whether the target user account has permission to use digital resources, the first allocation request can be converted into a second allocation request carrying a third tag indicating whether the target user account has permission to use digital resources, so that the target auditing account can further detect and judge the redemption attribute and realize the complete digital resource allocation detection process.

[0069] In cases where the redemption attribute detection result indicates that it is impossible to determine whether the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources, converting the first allocation request into a second allocation request may include, but is not limited to, adding a second tag and a third tag to the first allocation request to obtain the second allocation request.

[0070] In the technical solution provided in step S208 above, it is possible, but not limited to, receiving the account verification result returned by the client responding to the second allocation request of the second digital resource in real time.

[0071] In the technical solution provided in step S210 above, allocating target digital resources to the target user account based on the account review result may include, but is not limited to: when the allocation amount of the target digital resources is not fixed, allocating target digital resources to the target user account based on the amount requested in the first allocation request, the limit value of the amount, and the account review result; or, when the allocation amount of the target digital resources is fixed, directly allocating a fixed amount of target digital resources to the target user account based on the account review result.

[0072] In one exemplary embodiment, target digital resources may be allocated to a target user account based on the account review result in the following manner, but not limited to: extracting the target resource quantity from the first allocation request when the account review result indicates that the allocation of target digital resources to the target user account is permitted; detecting the reference resource quantity corresponding to the target product object based on the second account information of the target user account and the second object information of the target product object; determining the resource quantity to be allocated based on the target resource quantity and the reference resource quantity; and allocating the target digital resources of the resource quantity to be allocated to the target user account.

[0073] Optionally, in this embodiment, the target resource amount may be, but is not limited to, the resource amount used to indicate the target digital resource requested for allocation by the first allocation request.

[0074] Optionally, in this embodiment, the second account information may, but is not limited to, indicating the application attributes of digital resources possessed by the target user account. It should be noted that the first account information and the second account information may, but are not limited to, be the same or different. For example, the first account information may, but is not limited to, indicate the educational level of the user bound to the target user account and the contract information related to both the target user account and the target product; the second account information may, but is not limited to, indicate the educational level of the user bound to the target user account.

[0075] Optionally, in this embodiment, the second object information may, but is not limited to, indicate the application attributes of the digital resources possessed by the target product object. It should be noted that the first object information and the second object information may, but are not limited to, be the same or different, and can be flexibly set according to the actual situation.

[0076] Optionally, in this embodiment, the allocatable amount of digital resources for those with different account information and object information may, but is not limited to, be different. The reference resource amount may, but is not limited to, be used to indicate the allocatable amount of digital resources for the first allocation request.

[0077] Optionally, in this embodiment, detecting the reference resource quantity corresponding to the target product object based on the second account information of the target user account and the second object information of the target product object may include, but is not limited to, matching the corresponding reference resource quantity for the reference information group from the information group and resource quantity with corresponding relationship, wherein the information group includes account information and object information, and the reference information group includes the second account information and the second object information.

[0078] Optionally, in this embodiment, determining the amount of resources to be allocated based on the target resource amount and the reference resource amount may include, but is not limited to: comparing the size relationship between the target resource amount and the reference resource amount; if the target resource amount is less than or equal to the reference resource amount, determining the target resource amount as the amount of resources to be allocated; if the target resource amount is greater than the reference resource amount, determining the reference resource amount as the amount of resources to be allocated. This setting ensures that the allocation of digital resources is within a controlled range, avoiding excessive allocation of digital resources.

[0079] To better understand the above process, the following description will be based on optional embodiments, but these are not intended to limit the technical solutions of the embodiments of this application.

[0080] This embodiment provides a method for allocating housing purchase vouchers. The allocation process of housing purchase vouchers may include, but is not limited to:

[0081] The First Digital Resource Allocation Client initiates a request: When a user / applicant (the homebuyer) applies for a housing voucher through the App / Mini Program (i.e., the First Digital Resource Allocation Client), the client may, but is not limited to, requiring the user to undergo real-name authentication. Afterwards, the user needs to enter basic personal information (including name, ID number, etc.), educational information (i.e., the aforementioned account educational information), and the online contract number of the intended property (i.e., the aforementioned object contract information) or related information. The client may, but is not limited to, requiring the user to undergo facial recognition after entering the information. Only after successful facial recognition authentication can the information be submitted, thus ensuring that the housing voucher is processed by the individual. This operation triggers the first allocation request, which may, but is not limited to, include the target user's account and its associated account educational information and object contract information.

[0082] Redemption and Object Attribute Detection: The digital resource allocation server extracts the user's educational background information (i.e., the aforementioned account educational background information) from the first allocation request and sends a first verification request to the educational background information database to verify the authenticity of the user's educational background. Simultaneously, the allocation server also extracts the online contract information (i.e., the aforementioned object contract information) and sends a second verification request to the contract information database to verify the validity of the contract and the legality of the housing transaction. After the educational background information and online contract information pass preliminary verification, the digital resource allocation database is accessed to check whether the user account meets the conditions for issuing housing vouchers. Similarly, the allocation server will access the digital resource allocation database based on the online contract information and real estate registration information (i.e., the aforementioned first object information) to check whether the property meets the conditions for issuing housing vouchers, such as property type, location, pricing strategy, and transfer status.

[0083] In the housing voucher approval process, the system intelligently determines whether a user's educational background and housing registration information meet the requirements for issuing housing vouchers, based on student registration data and online contract signing data. In the housing voucher redemption process, the system intelligently verifies whether a user's property meets the requirements for issuing housing vouchers, based on real estate information data.

[0084] Approval and Review: If all the above checks pass, the allocation server may, but is not limited to, send a second allocation request to the allocation client of the second digital resource (the client used by the reviewer). The request carries a first marker (indicating that the user is eligible to apply for a housing voucher) and a second marker (indicating that the target property can be redeemed with the housing voucher). The reviewer completes a manual review based on the markers and additional information. After confirming that everything is correct, the reviewer returns the account review result to the allocation server.

[0085] After the system automatically approves the application, it will intelligently assign the applicant to the corresponding commission or bureau for manual review based on the applicant's educational background.

[0086] Housing voucher issuance: Once the account review results indicate that housing vouchers can be issued, the allocation server may, but is not limited to, extract the specific amount of the housing voucher and the bank account information of the target user account, and automatically or semi-automatically issue the housing vouchers and redeem them for product objects. At the same time, the issuance details are recorded in the housing voucher system, including user personal information, housing information, housing voucher amount, etc., for subsequent verification and management.

[0087] The above methods solve the problem of the inefficiency of having to prepare various paper materials and submit them to relevant departments for manual review of each material. The fully online process not only improves work efficiency but also enhances user satisfaction.

[0088] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods according to the above embodiments can be implemented by means of software and necessary general-purpose hardware platforms, and of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, or network device, etc.) to execute the methods of the various embodiments of this application.

[0089] This application also provides a digital resource allocation system. Figure 3 This is a schematic diagram of a digital resource allocation system according to an embodiment of this application. Figure 3As shown, the allocation system includes: a digital resource allocation server, a first digital resource allocation client, and a second digital resource allocation client. Both the first and second digital resource allocation clients are connected to the digital resource allocation server. The target user account is logged in on the first digital resource allocation client, and the target review account is logged in on the second digital resource allocation client.

[0090] The first digital resource allocation client is used to initiate a first allocation request to the digital resource allocation server. The first allocation request is used to request the allocation of target digital resources to the target user account for redeeming target product objects. The digital resources are used as redemption resources to redeem product objects.

[0091] A digital resource allocation server is configured to: receive a first allocation request; respond to the first allocation request by calling an account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request, and call an object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request, wherein the redemption attribute indicates the target user account's permission to use digital resources, and the object attribute indicates whether the target product object has the permission to redeem digital resources; send a second allocation request to a second digital resource allocation client based on the redemption attribute detection result and the object attribute detection result, wherein the second allocation request requests the target verification account to verify whether it is permissible to allocate target digital resources to the target user account with the redemption attribute detection result for redeeming the target product object with the object attribute detection result; receive the account verification result returned by the second digital resource allocation client in response to the second allocation request; and allocate target digital resources to the target user account based on the account verification result.

[0092] The second digital resource allocation client is used to receive a second allocation request from the digital resource allocation server; respond to the second allocation request, review whether to allow the allocation of target digital resources for redeeming target product objects to target user accounts with redemption attribute detection results and object attribute detection results, and obtain the account review result; and send the account review result to the digital resource allocation server.

[0093] Through the aforementioned system, the digital resource allocation server receives a first allocation request initiated by a first digital resource allocation client, responds to the first allocation request, calls the account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request, and calls the object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request. Based on the redemption attribute detection results and object attribute detection results obtained above, it sends a second allocation request to a second digital resource allocation client, receives the account verification results returned by the second digital resource allocation client in response to the second allocation request, and allocates the target digital resource to the target user account based on the account verification results. Through the interaction and cooperation of the digital resource allocation server, the first digital resource allocation client, and the second digital resource allocation client, an automated digital resource allocation mode is realized. Compared with the manual verification scheme that relies entirely on paper materials, the solution provided in this application can improve the efficiency of digital resource allocation. By adopting the above technical solution, the problem of low allocation efficiency of digital resources in related technologies is solved, and the technical effect of improving the allocation efficiency of digital resources is achieved.

[0094] Optionally, in this embodiment, the digital resource allocation server is further configured to: extract account educational information and object contract information from the first allocation request, wherein the first account information includes account educational information and object contract information; generate a first verification request corresponding to the account educational information and a second verification request corresponding to the object contract information, wherein the first verification request is used to request verification of the validity of the account educational information and the second verification request is used to verify the validity of the object contract information; send the first verification request to the educational information database and send the second verification request to the contract information database, wherein the account database includes the educational information database and the contract information database; receive the first verification result returned by the educational information database in response to the first verification request, and receive the second verification result returned by the contract information database in response to the second verification request. The verification results are as follows: If both the first and second verification results indicate that the verification is successful, the digital resource allocation database is invoked to check the first compliance of the account's educational information and the object's contractual information. The digital resource allocation database stores the allocation requirements for digital resources. If the first verification result indicates that the educational information database cannot verify the validity of the account's educational information, and the second verification result indicates that the verification is successful, the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources. If the first compliance indicates that both the account's educational information and the object's contractual information meet the allocation requirements for digital resources, the redemption attribute detection result indicates that the target user account has the permission to use digital resources.

[0095] Optionally, in this embodiment, the digital resource allocation server is further configured to: extract first object information from the first allocation request; call the digital resource allocation database to detect the second compliance of the first object information, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; and, if the second compliance indicates that the first object information meets the allocation requirements of digital resources, determine the object attribute detection result to indicate that the target product object has the right to redeem digital resources.

[0096] Optionally, in this embodiment, the digital resource allocation server is further configured to: convert the first allocation request into a second allocation request when the redemption attribute detection result indicates that the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources; wherein the second allocation request carries a first tag and a second tag, the first tag indicating that the target user account has the permission to use digital resources, and the second tag indicating that the target product object has the permission to redeem digital resources; and send the second allocation request to the second digital resource allocation client.

[0097] Optionally, in this embodiment, the digital resource allocation server is further configured to: convert the first allocation request into a second allocation request when the redemption attribute detection result indicates that it is impossible to determine whether the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to use digital resource redemption; wherein the second allocation request carries a second marker and a third marker, the second marker indicating that the target product object has the permission to use digital resource redemption, and the third marker indicating whether the target user account to be determined has the permission to use digital resources; and send the second allocation request to the second digital resource allocation client.

[0098] Optionally, in this embodiment, the digital resource allocation server is further configured to: extract the target resource quantity from the first allocation request when the account verification result indicates that the target digital resource is allowed to be allocated to the target user account; detect the reference resource quantity corresponding to the target product object based on the second account information of the target user account and the second object information of the target product object; determine the resource quantity to be allocated based on the target resource quantity and the reference resource quantity; and allocate the target digital resource quantity to be allocated to the target user account.

[0099] This application also provides a digital resource allocation device, which can be applied to, but is not limited to, a digital resource allocation server. Figure 4 This is a structural block diagram of a digital resource allocation device according to an embodiment of this application; as shown below. Figure 4 As shown, the device includes:

[0100] The first receiving module 402 is used to receive a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects.

[0101] The detection module 404 is used to respond to the first allocation request, call the account database to detect the redemption attribute of the target user account according to the first account information carried in the first allocation request to obtain the redemption attribute detection result, and call the object database to detect the object attribute of the target product object according to the first object information carried in the first allocation request to obtain the object attribute detection result. The redemption attribute is used to indicate the permission of the target user account to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to redeem digital resources.

[0102] The sending module 406 is used to send a second allocation request to the allocation client of the second digital resource based on the redemption attribute detection result and the object attribute detection result. The second allocation request is used to request the target review account corresponding to the target user account to review whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result.

[0103] The second receiving module 408 is used to receive the account verification result returned by the allocation client of the second digital resource in response to the second allocation request;

[0104] The allocation module 410 is used to allocate target digital resources to target user accounts based on the account review results.

[0105] Through the above embodiments, the digital resource allocation server receives a first allocation request initiated by a first digital resource allocation client, responds to the first allocation request, calls the account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request, and calls the object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request. Based on the redemption attribute detection results and object attribute detection results obtained above, it sends a second allocation request to a second digital resource allocation client, receives the account verification results returned by the second digital resource allocation client in response to the second allocation request, and allocates the target digital resource to the target user account based on the account verification results. Through the interaction and cooperation of the digital resource allocation server, the first digital resource allocation client, and the second digital resource allocation client, an automated digital resource allocation mode is realized. Compared with the manual verification scheme that relies entirely on manual review of paper materials, the solution provided in this application can improve the efficiency of digital resource allocation. By adopting the above technical solution, the problem of low allocation efficiency of digital resources in related technologies is solved, and the technical effect of improving the allocation efficiency of digital resources is achieved.

[0106] In an exemplary embodiment, the detection module includes: a first extraction unit, configured to extract account educational information and object contract information from a first allocation request, wherein the first account information includes account educational information and object contract information; a generation unit, configured to generate a first verification request corresponding to the account educational information and a second verification request corresponding to the object contract information, wherein the first verification request is used to request verification of the validity of the account educational information, and the second verification request is used to verify the validity of the object contract information; a first sending unit, configured to send the first verification request to an educational information database and send the second verification request to a contract information database, wherein the account database includes an educational information database and a contract information database; and a receiving unit, configured to receive a first verification result returned by the educational information database in response to the first verification request and receive a second verification result returned by the contract information database in response to the second verification request. The verification results are as follows: A first calling unit, configured to, when both the first and second verification results indicate that the verification is passed, call the digital resource allocation database to check the first compliance of the account's educational information and the object's contractual information, wherein the digital resource allocation database stores the allocation requirements for digital resources; a first determining unit, configured to, when the first verification result indicates that the educational information database cannot verify the validity of the account's educational information, and the second verification result indicates that the verification is passed, determine that the exchange attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources; a second determining unit, configured to, when the first compliance indicates that both the account's educational information and the object's contractual information meet the allocation requirements for digital resources, determine that the exchange attribute detection result indicates that the target user account has the permission to use digital resources.

[0107] In an exemplary embodiment, the detection module includes: a second extraction unit, configured to extract first object information from a first allocation request; a second invocation unit, configured to invoke a digital resource allocation database to detect the second compliance of the first object information, wherein the digital resource allocation database is used to store digital resource allocation requirements; and a third determination unit, configured to, when the second compliance indicates that the first object information meets the digital resource allocation requirements, determine that the object attribute detection result indicates that the target product object has the right to redeem digital resources.

[0108] In an exemplary embodiment, the sending module includes: a first conversion unit, configured to convert a first allocation request into a second allocation request when the redemption attribute detection result indicates that the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources; wherein the second allocation request carries a first tag and a second tag, the first tag indicating that the target user account has the permission to use digital resources, and the second tag indicating that the target product object has the permission to redeem digital resources; and a second sending unit, configured to send the second allocation request to the allocation client of the second digital resource.

[0109] In an exemplary embodiment, the sending module includes: a second conversion unit, configured to convert a first allocation request into a second allocation request when the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources; wherein the second allocation request carries a second marker and a third marker, the second marker indicating that the target product object has the permission to redeem digital resources, and the third marker indicating whether the target user account to be determined has the permission to use digital resources; and a third sending unit, configured to send the second allocation request to the allocation client of the second digital resource.

[0110] In one exemplary embodiment, the allocation module includes: a third extraction unit, configured to extract a target resource quantity from a first allocation request when an account review result indicates that the allocation of target digital resources to a target user account is permitted; a detection unit, configured to detect a reference resource quantity corresponding to a target product object based on second account information of the target user account and second object information of the target product object; a fourth determination unit, configured to determine a resource quantity to be allocated based on the target resource quantity and the reference resource quantity; and an allocation unit, configured to allocate the target digital resources of the resource quantity to be allocated to the target user account.

[0111] Embodiments of this application also provide a storage medium including a stored program, wherein the program executes any of the above-described digital resource allocation methods when it runs.

[0112] Optionally, in this embodiment, the storage medium may be configured to store program code for performing the following steps:

[0113] S1, receive a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects;

[0114] S2, responding to the first allocation request, calling the account database to detect the redemption attribute of the target user account based on the first account information carried in the first allocation request, and obtaining the redemption attribute detection result; and calling the object database to detect the object attribute of the target product object based on the first object information carried in the first allocation request, and obtaining the object attribute detection result. Here, the redemption attribute is used to indicate the target user account's permission to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to use digital resources for redemption.

[0115] S3, based on the redemption attribute detection result and the object attribute detection result, send a second allocation request to the allocation client of the second digital resource. The allocation client of the second digital resource is logged in with the target audit account corresponding to the target user account. The second allocation request is used to request the target audit account to audit whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result.

[0116] S4, Receive the account verification result returned by the client response to the second allocation request for the second digital resource;

[0117] S5 allocates target digital resources to target user accounts based on account verification results.

[0118] Embodiments of this application also provide an electronic device including a memory and a processor, wherein the memory stores a computer program and the processor is configured to run the computer program to perform the steps in any of the above embodiments of the digital resource allocation method.

[0119] Optionally, the electronic device may further include a transmission device and an input / output device, wherein the transmission device is connected to the processor and the input / output device is connected to the processor.

[0120] Optionally, in this embodiment, the processor can be configured to perform the following steps via a computer program:

[0121] S1, receive a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects;

[0122] S2, responding to the first allocation request, calling the account database to detect the redemption attribute of the target user account based on the first account information carried in the first allocation request, and obtaining the redemption attribute detection result; and calling the object database to detect the object attribute of the target product object based on the first object information carried in the first allocation request, and obtaining the object attribute detection result. Here, the redemption attribute is used to indicate the target user account's permission to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to use digital resources for redemption.

[0123] S3, based on the redemption attribute detection result and the object attribute detection result, send a second allocation request to the allocation client of the second digital resource. The allocation client of the second digital resource is logged in with the target audit account corresponding to the target user account. The second allocation request is used to request the target audit account to audit whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result.

[0124] S4, Receive the account verification result returned by the client response to the second allocation request for the second digital resource;

[0125] S5 allocates target digital resources to target user accounts based on account verification results.

[0126] Optionally, in this embodiment, the storage medium may include, but is not limited to, various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0127] Optionally, specific examples in this embodiment can refer to the examples described in the above embodiments and optional implementations, and will not be repeated here.

[0128] Embodiments of this application also provide a computer program product, including computer instructions that, when executed by a processor, implement the steps of any of the above-described digital resource allocation methods.

[0129] Obviously, those skilled in the art should understand that the modules or steps of this application described above can be implemented using general-purpose computing devices. They can be centralized on a single computing device or distributed across a network of multiple computing devices. Optionally, they can be implemented using computer-executable program code, thereby storing them in a storage device for execution by a computing device. In some cases, the steps shown or described can be performed in a different order than those presented here, or they can be fabricated as separate integrated circuit modules, or multiple modules or steps can be fabricated as a single integrated circuit module. Thus, this application is not limited to any particular combination of hardware and software.

[0130] The above description is only a preferred embodiment of this application. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of this application, and these improvements and modifications should also be considered within the scope of protection of this application.

Claims

1. A method for allocating digital resources, characterized in that, An application to a digital resource allocation server, the method comprising: The system receives a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects. In response to the first allocation request, the system calls the account database to detect the redemption attribute of the target user account based on the first account information carried in the first allocation request, and obtains the redemption attribute detection result. It also calls the object database to detect the object attribute of the target product object based on the first object information carried in the first allocation request, and obtains the object attribute detection result. The redemption attribute is used to indicate the target user account's permission to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to redeem digital resources. Based on the redemption attribute detection result and the object attribute detection result, a second allocation request is sent to the allocation client of the second digital resource. The second digital resource allocation client is logged into the target review account corresponding to the target user account. The second allocation request is used to request the target review account to review whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result. The client receiving the allocation request for the second digital resource returns the account verification result. The target digital resources are allocated to the target user account based on the account verification results.

2. The method for allocating digital resources according to claim 1, characterized in that, The step of calling the account database to detect the redemption attributes of the target user account based on the first account information carried in the first allocation request and obtaining the redemption attribute detection result includes: Extract account education information and object contract information from the first allocation request, wherein the first account information includes the account education information and the object contract information; Generate a first verification request corresponding to the account's educational background information and a second verification request corresponding to the object's contractual information, wherein the first verification request is used to request verification of the validity of the account's educational background information, and the second verification request is used to verify the validity of the object's contractual information; The first verification request is sent to the academic qualification information database, and the second verification request is sent to the contract information database, wherein the account database includes the academic qualification information database and the contract information database; Receive the first verification result returned by the academic qualification information database in response to the first verification request, and receive the second verification result returned by the contract information database in response to the second verification request; When both the first verification result and the second verification result indicate that the verification is successful, the digital resource allocation database is invoked to check the first compliance of the account's educational information and the object's contractual information, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; If the first verification result indicates that the academic qualification information database cannot verify the validity of the account's academic qualification information, and the second verification result indicates that the verification is successful, then the redemption attribute detection result indicates that it is impossible to determine whether the target user account has the permission to use digital resources. If the first compliance indicates that both the account's educational information and the object's contractual information meet the allocation requirements of the digital resources, then the redemption attribute detection result is determined to indicate that the target user account has the right to use the digital resources.

3. The method for allocating digital resources according to claim 1, characterized in that, The step of calling the object database to detect the object attributes of the target product object based on the first object information carried in the first allocation request to obtain the object attribute detection result includes: Extract the first object information from the first allocation request; The second compliance of the first object information is detected by calling the digital resource allocation database, wherein the digital resource allocation database is used to store the allocation requirements of digital resources; When the second compliance is used to indicate that the first object information meets the allocation requirements of the digital resources, the object attribute detection result is determined to indicate that the target product object has the right to redeem digital resources.

4. The method for allocating digital resources according to claim 1, characterized in that, The step of sending a second allocation request to the allocation client of the second digital resource based on the exchange attribute detection result and the object attribute detection result includes: When the redemption attribute detection result indicates that the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources, the first allocation request is converted into the second allocation request, wherein the second allocation request carries a first tag and a second tag, the first tag indicating that the target user account has the permission to use digital resources, and the second tag indicating that the target product object has the permission to redeem digital resources; Send the second allocation request to the allocation client of the second digital resource.

5. The method for allocating digital resources according to claim 1, characterized in that, The step of sending a second allocation request to the allocation client of the second digital resource based on the exchange attribute detection result and the object attribute detection result includes: If the redemption attribute detection result indicates that it cannot be determined whether the target user account has the permission to use digital resources, and the object attribute detection result indicates that the target product object has the permission to redeem digital resources, the first allocation request is converted into a second allocation request. The second allocation request carries a second marker and a third marker. The second marker indicates that the target product object has the permission to redeem digital resources, and the third marker indicates that it is necessary to determine whether the target user account has the permission to use digital resources. Send the second allocation request to the allocation client of the second digital resource.

6. The method for allocating digital resources according to claim 1, characterized in that, The step of allocating the target digital resources to the target user account based on the account verification result includes: If the account review result indicates that the target digital resource is allowed to be allocated to the target user account, the amount of the target resource is extracted from the first allocation request; The reference resource quantity corresponding to the target product object is detected based on the second account information of the target user account and the second object information of the target product object; The amount of resources to be allocated is determined based on the target resource amount and the reference resource amount; Allocate the target digital resources of the amount to be allocated to the target user account.

7. A digital resource allocation system, characterized in that, include: The system includes a digital resource allocation server, a first digital resource allocation client, and a second digital resource allocation client, wherein both the first and second digital resource allocation clients are connected to the digital resource allocation server, a target user account is logged in on the first digital resource allocation client, and a target review account is logged in on the second digital resource allocation client. The first digital resource allocation client is used to initiate a first allocation request to the digital resource allocation server, wherein the first allocation request is used to request the allocation of target digital resources to the target user account for redeeming target product objects, and the digital resources are used as redemption resources to redeem product objects; The digital resource allocation server is configured to: receive the first allocation request; respond to the first allocation request by calling an account database to detect the redemption attribute of the target user account based on the first account information carried in the first allocation request, and call an object database to detect the object attribute of the target product object based on the first object information carried in the first allocation request, wherein the redemption attribute is used to indicate the target user account's permission to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to redeem digital resources; send a second allocation request to the second digital resource allocation client based on the redemption attribute detection result and the object attribute detection result, wherein the second allocation request is used to request the target review account to review whether it is permissible to allocate the target digital resources for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result; receive the account review result returned by the second digital resource allocation client in response to the second allocation request; and allocate the target digital resources to the target user account based on the account review result. The second digital resource allocation client is configured to receive the second allocation request from the digital resource allocation server; in response to the second allocation request, review whether to allow the allocation of the target digital resource for redeeming the target product object to the target user account with the redemption attribute detection result and the object attribute detection result, and obtain an account review result; and send the account review result to the digital resource allocation server.

8. A digital resource allocation device, characterized in that, An apparatus for allocating digital resources, the device comprising: The first receiving module is used to receive a first allocation request initiated by the allocation client of the first digital resource, wherein the first allocation request is used to request the allocation of target digital resources for redeeming target product objects to the target user account that has logged into the allocation client of the first digital resource, and the digital resources are used as redemption resources to redeem product objects. The detection module is used to respond to the first allocation request, call the account database according to the first account information carried in the first allocation request to detect the redemption attribute of the target user account and obtain the redemption attribute detection result, and call the object database according to the first object information carried in the first allocation request to detect the object attribute of the target product object and obtain the object attribute detection result. The redemption attribute is used to indicate the permission of the target user account to use digital resources, and the object attribute is used to indicate whether the target product object has the permission to redeem digital resources. The sending module is used to send a second allocation request to the allocation client of the second digital resource based on the redemption attribute detection result and the object attribute detection result, wherein the allocation client of the second digital resource is logged in with the target review account corresponding to the target user account, and the second allocation request is used to request the target review account to review whether it is allowed to allocate the target digital resource for redeeming the target product object with the object attribute detection result to the target user account with the redemption attribute detection result; The second receiving module is used to receive the account verification result returned by the allocation client of the second digital resource in response to the second allocation request; The allocation module is used to allocate the target digital resources to the target user account based on the account review results.

9. A computer-readable storage medium, characterized in that, The computer-readable storage medium includes a stored program, wherein the program, when executed, performs the method of any one of claims 1 to 7.

10. An electronic device comprising a memory and a processor, characterized in that, The memory stores a computer program, and the processor is configured to execute the method of any one of claims 1 to 7 through the computer program.

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