Method and apparatus for processing virtual resources

Abstract

The present application provides a data processing method and device for virtual resources, including the steps of receiving an operation request for a financial product object, determining a first operation number, which is a fraction in the operation request, a user account mark, and the financial product object, obtaining matching information according to the financial product object and the first operation number, sending the matching information to a first trading platform, and controlling the first trading platform to perform a transfer operation for the first operation number of the financial product object between the target stock account and a target user account corresponding to the user account mark, and generating a first transaction record of the matching information, where the target stock account and the target user account are accounts in the first trading platform, and the target stock account has a pre-purchased financial product object, and receiving the first transaction record and updating first asset data of a local user account corresponding to the user account mark according to the first transaction record of the matching information, thereby improving the processing efficiency of virtual resources.

Description

Technical Field

[0001] This application claims the priority of the Chinese patent application with the application name "Data Processing Method and Apparatus for Virtual Resources", application number 202311402992.6, filed on October 26, 2023, and all the contents of the said application are incorporated herein by reference.

[0002] The embodiments of this application relate to the field of computer technology, and particularly to a data processing method and apparatus for virtual resources.

Background Art

[0003] Odd lots, also known as fractional shares, are shares that are not integers. For example, 0.2 shares and 0.8 shares belong to odd lots. Odd lots can lower the investment hurdle, and customers with less funds can realize investments in high-value shares through odd lots. However, the current processing operation process for odd lots in investors' accounts is cumbersome, wasting manpower and time, and affecting the processing efficiency and ease of processing of odd lots.

Summary of the Invention

Problems to be Solved by the Invention

[0004] This application provides a data processing method and apparatus for virtual resources, so as to improve the processing efficiency of financial products such as odd lots, reduce the processing time, and improve the ease of processing.

[0005] The first aspect provides a data processing method for virtual resources, including the steps of: receiving an operation request for a financial instrument target on a user terminal; responding to the operation request and determining a first number to be operated on, a user account mark, and a financial instrument target, which are fractional amounts in the operation request; obtaining matching information according to the financial instrument target and the first number to be operated on; transmitting the matching information to a first trading platform, controlling the first trading platform to perform a transfer operation for the first number of financial instruments to be operated on between a target inventory account and a target user account corresponding to the user account mark, and generating a first transaction record of the matching information, wherein the target inventory account and the target user account are accounts on the first trading platform, and the target inventory account has financial instruments that have been previously purchased; and receiving the first transaction record returned from the first trading platform and updating the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information.

[0006] The second aspect includes a first receiving module used to receive operation requests for financial instruments from a user terminal, a first confirming module used to respond to operation requests and confirm a first number to be operated on, a user account mark, and a financial instrument, which is a fraction in the operation request, a first acquiring module used to acquire matching information according to the financial instrument and the first number to be operated on, and a first processing module used to transmit the matching information to a first trading platform and control the first trading platform to perform a transfer operation on the first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information, wherein the target inventory account and the target user account are accounts on the first trading platform, and the target inventory account has a first processing module that has previously purchased financial instruments, and a second processing module that receives a first transaction record returned from the first trading platform and updates the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information.

[0007] In the third aspect, an electronic device is provided, comprising a processor and memory, wherein the memory is used to store computer programs, and the processor is used to call and execute computer programs stored in the memory, and the method in the first aspect or each implementation thereof is performed.

[0008] In the fourth aspect, a computer-readable storage medium is provided, which is used to store computer programs, and the computer programs cause the computer to execute the methods in the first aspect or each implementation thereof.

[0009] Fifth aspect: Providing a computer program product, including a computer program directive, which causes a computer to execute the methods of the first aspect or each implementation thereof.

[0010] In the sixth aspect, a computer program is provided, which causes a computer to execute the methods in the first aspect or each of its implementations.

[0011] The proposed technology allows an electronic device to receive an operation request from a user terminal for a financial instrument, respond to the operation request, and determine the first number to be operated on, the user account mark, and the financial instrument in the operation request. The electronic device can then obtain matching information according to the financial instrument and the first number to be operated on, and subsequently transmit the matching information to a first trading platform. The first trading platform can be controlled to perform a transfer operation on the first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information. The target inventory account and the target user account are accounts on the first trading platform, the target inventory account holds a financial instrument that has been previously purchased, receives the first transaction record returned from the first trading platform, and updates the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information. In the process described above, since the financial instruments in the target inventory account have been purchased in advance, after the electronic device receives an operation request for fractional financial instruments, the first trading platform controls the transfer operation of the financial instruments between the user account and the target inventory account. This enables rapid processing of financial instruments and asset data in the account corresponding to the user account mark, thereby improving the processing efficiency of financial instruments such as fractional shares, reducing processing time, and improving ease of processing. [Brief explanation of the drawing]

[0012] To clearly illustrate the technical concepts in the embodiments of this application, the following is a brief introduction of the drawings that may be used in the description of the embodiments. Clearly, the drawings in the following description are only a few embodiments of this application, and those skilled in the art can obtain other drawings based on these without any creative effort. [Figure 1] This is an application scene diagram provided in the embodiments of this application. [Figure 2] This is a flowchart of the data processing method for virtual resources provided in the embodiments of this application. [Figure 3] This is a schematic diagram of a data processing method for virtual resources provided in the embodiments of this application. [Figure 4] This is a schematic diagram of a data processing method for other virtual resources provided in the embodiments of this application. [Figure 5] This is a schematic diagram of a data processing method for virtual resources provided in the embodiments of this application. [Figure 6] This is a schematic diagram of the virtual resource data processing device 600 provided in the embodiment of this application. [Figure 7] This is an exemplary block diagram of the electronic device 700 provided in the embodiments of this application. [Modes for carrying out the invention]

[0013] The following, in combination with the drawings of the embodiments of this application, clearly and completely illustrates the technical invention of this application. Clearly, the embodiments described are only some, and not all, embodiments of this application. All other embodiments that can be obtained by a person skilled in the art without creative effort based on the embodiments of this application are included within the scope of protection of this application.

[0014] Furthermore, terms such as "first," "second," etc., in the specification, claims, and drawings of this application are used to distinguish similar subjects and are not used to describe a specific order or sequence. It should be understood that the embodiments of this application described herein may be carried out in an order other than that shown or described herein, and that the data used herein may be exchanged in appropriate circumstances. Also, the terms "includes," "has," and any variations thereof are intended to be non-exclusive inclusions. For example, a process, method, system, product, or server that includes a series of steps or units is not limited to the steps or units explicitly listed, and may include other steps or units specific to these processes, methods, products, or devices that are not explicitly listed.

[0015] As explained above, since stock exchanges currently do not support fractional share orders, it is difficult for customers with limited funds to invest in high-value stocks, creating a certain barrier to investment for individual customers and affecting trading efficiency and ease of trading.

[0016] To solve the above technical problems, the electronic device controls the first trading platform, performs matching operations between user accounts and target inventory accounts that hold pre-purchased financial instruments, and performs transfer operations between user accounts and target inventory accounts. This enables rapid processing of fractional financial instruments in user accounts, improving processing efficiency and ease of processing.

[0017] The technical invention described in this application can be applied to, but is not limited to, the following scenarios.

[0018] In some possible implementation manners, FIG. 1 is an application scenario diagram provided in an embodiment of the present application. As shown in FIG. 1, the application scenario may include a user terminal 110, an electronic device 120, and a first trading platform 130. The user terminal 110 and the first trading platform 130 can be connected to the electronic device 120 via a wired network or a wireless network.

[0019] Exemplarily, the user terminal 110 may be a device used by a user. The user terminal 110 can install a securities client terminal. The user terminal 110 can display and manage financial product targets such as stocks in an account corresponding to a user account mark in the securities client terminal and asset data. For example, the user terminal 110 can obtain a trigger operation of the user. In response to the trigger operation, the user terminal 110 can send an operation request for the financial product target to the electronic device 120. The electronic device 120 can respond to the operation request for the financial product target and complete the operation corresponding to the operation request through interaction with the first trading platform 130.

[0020] The electronic device 120 or the first trading platform may be a single server, a server cluster composed of multiple servers, or a cloud platform control center. The present application does not limit this. The user terminal 110 may be a mobile phone, a tablet computer, a desktop, a laptop, a handheld computer, a laptop computer, an in-vehicle device, an ultra-mobile personal computer (UMPC), a netbook, and a cellular phone, a personal digital assistant (PDA), an augmented reality (AR) or virtual reality (VR) device, etc., but is not limited thereto.

[0021] [[ID=~1]] In addition, Fig. 1 exemplarily shows an electronic device, a user terminal, and a first trading platform, and actually, other numbers of electronic devices, user terminals, and first trading platforms can be included, and this application does not limit this.

[0022] In some other possible ways, the above-mentioned electronic device 120 and the first trading platform may be different processing units in the same device, where the corresponding embodiments and the like are similar to those of the above application scenario, and this application omits this.

[0023] After introducing the application scenario of the embodiments of this application, the following will explain the technical solution of this application in detail.

[0024] Fig. 2 is a flowchart of a data processing method for virtual resources provided in the embodiments of this application. The method can be executed by the electronic device 120 shown in Fig. 1, but is not limited thereto. As shown in Fig. 2, the method can include the following steps.

[0025] S210: Receive an operation request for a financial product target of the user terminal.

[0026] S220: In response to the operation request, determine the first number to be operated, the user account mark, and the financial product target in the operation request, and the first number to be operated is a fraction.

[0027] S230: Obtain matching information according to the financial product target and the first number to be operated.

[0028] S240 transmits matching information to the first trading platform, and controls the first trading platform to perform a transfer operation for a first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information. The target inventory account and the target user account are accounts on the first trading platform, and the target inventory account has financial instruments that have been purchased in advance.

[0029] S250 receives the first transaction record returning from the first trading platform and updates the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information.

[0030] In this application, the proposed technology is described using the example that the electronic device is a business server in the following embodiments. If the electronic device is a different device, the explanation will be similar to that of the embodiments described herein, and this application omits such explanations.

[0031] The target inventory account may also be an administrator account corresponding to a client terminal installed on a user terminal. For example, if the client terminal is a securities client terminal, and that securities client terminal is a client terminal developed or managed by administrator 1, administrator 1 can create at least one new account or select at least one existing account based on the first trading platform to be designated as at least one candidate inventory account, which can then be used to deposit a certain number of financial instruments to be designated as retail inventory. At least one candidate inventory account can have at least one target number of financial instruments. The business server can determine the target inventory account from at least one candidate inventory account, and the financial instruments held by the target inventory account include those in the operation request. For example, the first trading platform can determine an account that has at least one candidate inventory account with the financial instruments in the operation request as the first account, and then determine any account whose number of financial instruments in the first account is equal to or greater than the number to be operated on as the target inventory account.

[0032] Furthermore, local user accounts have a mapping relationship with target user accounts, and local user accounts and target user accounts correspond to the same user mark. Local user accounts are a collection of user-related information corresponding to each user mark stored and managed locally by the business server, and target user accounts are a collection of user-related information corresponding to each user mark managed locally by the first trading platform. The business server manages the holdings and virtual resource holdings of corresponding users for different financial instruments on the first trading platform via local user accounts, and the first trading platform manages the position information of corresponding users for different financial instruments via target user accounts. Similarly, local inventory accounts have a mapping relationship with target inventory accounts, and local inventory accounts and target inventory accounts correspond to the same inventory mark. The business server manages the retail inventory quantities for different financial instruments on the first trading platform via local inventory accounts, and the first trading platform manages the position information of different financial instruments in the business server's retail inventory via target inventory accounts. The business server can manage local user accounts and local inventory accounts, and the first trading platform can manage target user accounts and target inventory accounts.

[0033] In some feasible approaches, the financial instruments may, but are not limited to, stocks, funds, options, etc.

[0034] In several feasible configurations, a client terminal installed on a user terminal can display financial instrument data, such as stock data including the stock type, number of shares, selectable tradable stock types, and stock price held in the user account. The user can then select a specified number of financial instruments, or a market order, an order amount, and a financial instrument, based on the financial instrument data displayed on the client terminal. The user terminal can then acquire and respond to this selection operation, sending an operation request to the business server for the financial instrument. This operation request can include the specified number, the user account mark, and the financial instrument, allowing the business server to acquire the request. If the user selects a market order and an order amount based on the client terminal, the client terminal can determine the specified number using the ratio of the order amount to the market order. The specified number may be the first number to be operated on, or the total number of operations. If the specified number is the total number of operations, the first number to be operated on may be a fractional part of the total number of operations. The first number to be operated on may be a positive fraction less than 1.

[0035] In several feasible configurations, S220 may include steps to respond to an operation request, detect an operation request, and obtain the first number to be operated on, the user account mark, and the financial instrument subject in the operation request. For example, the business server may detect an operation request based on a character recognition method, which may, but is not limited to, a method based on a convolutional recurrent neural network (CRNN) model.

[0036] In several feasible configurations, the business server can perform risk management detection on an operation request, and then, after clearing the risk management detection, execute S230 above. This reduces the risks and errors when processing financial instruments and improves the reliability and scientific validity of the processing strategies for handling financial instruments.

[0037] For example, before executing S230 above, the business server can first perform risk management detection on the financial instrument processing authority and financial instrument market status of the user account corresponding to the user account mark.

[0038] For example, the business server can identify a user account based on the user account mark associated with the operation request, determine whether that user account has the authority to process financial instruments, and compare that authority with the number of financial instruments to be operated on to determine whether the user account has the authority to process the number of financial instruments to be operated on to be operated on. If the user account has the authority, the business server can determine whether to clear the user account's authority; otherwise, the business server can determine whether to not clear the authority. Specifically, the user account's account operation image information can be obtained first. This account operation image information includes, but is not limited to, the history of operations on different financial instruments each time the user account performs an operation, such as product information of the historical financial instruments (e.g., product type), the direction of the operation on the financial instruments (e.g., buy or sell), the numerical value of the financial instruments performed each time (e.g., the number or amount of buy or sell), and the time each time the financial instruments are performed. By clustering the account operation image information, multiple clustering centers of the account operation image information are obtained and used as operation characteristic information corresponding to the user account. Subsequently, current operation information such as product information of the financial instruments in the operation request, the direction of the operation request, the total number of operations in the operation request, and the time the operation request was sent is obtained, and the distance between the current operation information and each operation characteristic information is calculated using the following formula. JPEG0007864927000001.jpg16147

[0039] Here, feature_op={x1,…,x n} represents operational feature information, and feature_cur={y1,…,y n} represents the current operation information. If the distance between the current operation information and any operation feature information is smaller than a preset distance threshold, it can be determined that the user account has the authority to process the first number of financial instruments it intends to operate on in its operation request.

[0040] Furthermore, the business server can acquire the market status of financial instruments, determine the revenue data corresponding to the first number of financial instruments to be operated on from the market status of the financial instruments, and if the revenue data meets the forecast criteria and the above processing authority is cleared, the business server can determine that the above risk management detection management is cleared, and if the forecast criteria do not include predetermined revenue data, the business server can determine that the above risk management detection management is not cleared.

[0041] In the above embodiment, the business server can pre-store the correspondence between multiple user accounts and processing rights for financial instruments in a memory database, and by directly manipulating the memory database, the business server can acquire processing rights for user accounts, thereby increasing the speed at which data is confirmed or retrieved, and improving processing speed and efficiency. Here, the processing rights for financial instruments of a user account may include, but are not limited to, the number of financial instruments that can be processed by the user account, the type of financial instrument, the type of transaction for the financial instrument, etc.

[0042] In several feasible configurations, the step of determining the first number to be operated on in the above processing request may include the steps of obtaining the total number of operations in the operation request, and determining from the total number of operations the first number to be operated on in fractional parts and the second number to be operated on corresponding to the integer part, and depending on the financial instrument target and the first number to be operated on, if the second number to be operated on is not zero before obtaining matching information, the steps of generating a first transaction request based on the financial instrument target and the second number to be operated on may include the steps of sending the first transaction request to a first trading platform and controlling the first trading platform to perform a transaction operation on the financial instrument target based on the target user account and generate a second transaction record, and receiving the second transaction record returned from the first trading platform and updating the first asset data of the local user account based on the second transaction record.

[0043] Specifically, after obtaining the total number of operations in an operation request, the system can determine the first number to be operated on in the fractional part and the second number to be operated on corresponding to the integer part, based on the total number of operations. If the second number to be operated on is 0, matching information can be directly obtained according to the financial instrument target and the first number to be operated on, thereby realizing the transaction operation for the fractional part of the financial instrument target. If the second number to be operated on is 0, the system can first realize the transaction operation for the integer part of the financial instrument target corresponding to the second number to be operated on, and then perform the transaction operation for the fractional part of the financial instrument target.

[0044] The step of controlling the first trading platform to perform a trading operation on a financial instrument based on a target user account and generate a second trading record may include the step of controlling the first trading platform to send a trading request corresponding to the trading operation to a server corresponding to the exchange, thereby performing a trade on the second number of financial instruments to be operated on in the target user account and obtaining the second trading price from the server corresponding to the exchange.

[0045] For example, if the financial instrument is a stock, and a user triggers an order for 2.2 shares of stock 1 based on a client terminal installed on the user terminal, the user terminal can respond to the trigger operation and send an operation request to the business server. After the business server detects the operation request, it determines that the total number of operations in the operation request is 2.2, the financial instrument is stock 1, the fractional part, the first number to be operated on is 0.2, and the integer part, the second number to be operated on, is 2. Next, the business server can determine that the second number to be operated on is not 0, and generates a first trade request based on stock 1 and the second number to be operated on, 2 shares, and sends the first trade request to the first trading platform, controlling the first trading platform to perform a trade operation for 2 shares of stock 1 to the target user account and generate a second trade record. For example, the first trade request could be used to request the purchase of 2 shares of stock 1, with a unit price of 2 for each share, and the second trade record could be the purchase of 2 shares of stock 1, with a transaction unit price of 2 and an expenditure of 4. Subsequently, the business server can receive the second transaction record returning from the first trading platform and update the first asset data in the local user account based on the second transaction record. For example, the first asset data in the local user account can be updated with the data after a reduction of 4.

[0046] Selectively, the matching information includes a financial instrument, a first number to be operated on, and the trading price of the financial instrument. Depending on the financial instrument and the first number to be operated on, the step of obtaining the matching information includes querying the real-time market price of the financial instrument, obtaining the real-time market price of the financial instrument from a second trading record, determining the optimal trading price of the financial instrument based on the real-time market price and the trading price, and generating the matching information based on the financial instrument, the first number to be operated on, and the optimal trading price.

[0047] Here, the market real-time price may be, but is not limited to, the real-time price of a financial instrument queried from the market, for example, the National Best Bid and the National Best Offer (NBBO). The market transaction price is the transaction price of the integer part of the financial instrument transaction. Specifically, if the second number to be operated on is 0, the transaction operation for the integer part of the financial instrument corresponding to the second number to be operated on is performed first, and the actual transaction price of the integer part of the financial instrument is set as the market transaction price and used as the reference value for the transaction price corresponding to the subsequent fractional part of the financial instrument.

[0048] For example, an operation request may further include a transaction type, and if it successfully queries the market real-time price and obtains the market transaction price, the business server may determine the optimal transaction price for the financial instrument based on the market transaction price and the market real-time price. This step may include determining the maximum value of the market transaction price and the market real-time price as the optimal transaction price if the transaction type is a buy, and determining the minimum value of the market transaction price and the market real-time price as the optimal transaction price if the transaction type is a sell.

[0049] Furthermore, if querying the real-time market price is successful but obtaining the market transaction price fails, the real-time market price can be determined as the optimal transaction price. If querying the real-time market price fails but obtaining the market transaction price is successful, the market transaction price can be determined as the optimal transaction price. If querying the real-time market price fails and obtaining the market transaction price fails, an operation failure request is returned to the user terminal.

[0050] Optionally, if the transaction corresponding to the first transaction request above fails, the business server does not have to execute S240 above.

[0051] In the above process, the business server can automatically determine a more suitable price, improving the user experience and enhancing the efficiency and accuracy of fund processing.

[0052] In several feasible configurations, the matching information includes a financial instrument, a first number to be operated on, and the trading price of the financial instrument. Depending on the financial instrument and the first number to be operated on, the step of obtaining the matching information may include querying the real-time market price of the financial instrument, and generating the matching information based on the financial instrument, the first number to be operated on, and the real-time market price.

[0053] Specifically, if the number to be operated on in the second operation is 0, or if the number to be operated on in the second operation is not 0 but it fails to obtain the market transaction price, the real-time market price of the financial instrument can be directly queried from the market and used as the transaction price corresponding to the fractional portion of the financial instrument.

[0054] In several feasible configurations, the operation request further includes a transaction type, where if the transaction type is a buy, S240 includes a step of controlling the first trading platform to transfer a first number of financial instruments to be operated on in a target inventory account to a target user account, and accordingly, S250 includes a step of reducing first asset data in a local user account based on a first transaction record and increasing asset data in a local inventory account based on a first transaction record; where the transaction type is a sell, S240 includes a step of controlling the first trading platform to transfer a first number of financial instruments to be operated on in a target user account to a target inventory account, and accordingly, S250 includes a step of increasing first asset data in a local user account based on a first transaction record and decreasing asset data in a local inventory account based on a first transaction record.

[0055] In several feasible configurations, the step of updating the first asset data of a local user account corresponding to a user account mark based on the first transaction record of the matching information includes: determining the transaction amount of a financial instrument subject according to the market real-time price and the first number to be operated on; updating the number of subjects corresponding to the financial instrument subject in the first asset data according to the first number to be operated on; and updating the fund balance in the first asset data according to the transaction amount of the financial instrument subject.

[0056] For example, if the transaction type is to buy 0.2, the number to be operated on in the first operation is 0.2, and the real-time market price is 2, the business server can determine that the transaction amount is 0.4, increase the number of targets corresponding to the financial instrument targets in the first asset data by 0.2, and decrease the fund balance in the first asset data by 0.4.

[0057] In several feasible configurations, the business server can determine the order status corresponding to an operation request based on the processing status of that request, transmit that order status to the user terminal, and allow the client terminal installed on the user terminal to display that order status. This enables investors to select subsequent operational strategies based on the order status displayed on the client terminal, providing users with real-time processing data for financial instruments and improving interactive diversity.

[0058] For example, if the business server successfully executes S250, the business server can determine that the order status is fully executed; if the business server receives the second transaction record but fails to execute S250, the business server can determine that the order status is partially canceled, which indicates that the integer portion of the order's financial instrument transactions were successful and the fractional portion of the order's financial instrument transactions failed; if the business server does not receive the second transaction record and fails to execute S250, the business server can determine that the order status is canceled, which indicates that both the integer portion and the fractional portion of the order's financial instrument transactions failed.

[0059] In some feasible configurations, the process further includes: receiving a first transaction record returned from the first trading platform, updating the number of financial instruments in the local inventory account based on the first transaction record of matching information to obtain the inventory quantity; generating a second transaction request according to the inventory quantity and financial instruments if the inventory quantity does not belong to an inventory interval; sending the second transaction request to the first trading platform and controlling the first trading platform to perform a transaction operation on the financial instruments based on the target inventory account and generate a third transaction record; receiving a third transaction record returned from the first trading platform and updating the number of financial instruments in the local inventory account based on the third transaction record so that the updated number of financial instruments in the local inventory account belongs to an inventory interval.

[0060] For example, the business server can set a detection time, and when the detection time is reached, it can determine the inventory quantity, thereby automatically and regularly detecting the inventory quantity and ensuring that the inventory quantity is above a predetermined threshold.

[0061] For example, the business server can use a market order purchasing method and control the first trading platform to perform trading operations on financial instruments based on the target inventory account.

[0062] For example, the inventory interval includes a first inventory threshold and a second inventory threshold. If the first inventory threshold is less than the second inventory threshold, and the inventory quantity is less than the first inventory threshold, the business server controls the first trading platform to purchase a first number of financial instruments, distributes the first number of financial instruments to the target inventory account, and the number of financial instruments in the updated local inventory account can be placed within the inventory interval, provided that the sum of the first number and the inventory quantity before the update is greater than or equal to the first inventory threshold and less than or equal to the second inventory threshold. If the inventory quantity is greater than the first inventory threshold, the business server controls the first trading platform to sell a second number of financial instruments, moves the second number of financial instruments from the target inventory account, and the number of financial instruments in the updated local inventory account can be placed within the inventory interval, provided that the difference between the inventory quantity before the update and the second number is greater than or equal to the first inventory threshold and less than or equal to the second inventory threshold.

[0063] For example, if the inventory interval is [2,3] and the inventory quantity is 2.3, it can be determined that the inventory quantity belongs to the inventory interval. If the inventory quantity is 1.9, the business server controls the first trading platform to purchase 0.1 units of financial instruments, distributes 0.1 units of financial instruments to the target inventory account, increases the number of financial instruments in the target inventory account to 2, and belongs to the inventory interval. If the inventory quantity is 3.3, the business server controls the first trading platform to sell 0.3 units of financial instruments, moves 0.3 units of financial instruments from the target inventory account, decreases the number of financial instruments in the target inventory account to 3, and belongs to the inventory interval. After completing a transaction operation for a financial instrument on the first trading platform, the first trading platform can generate second transaction information. By returning this second transaction information to the business server, the business server updates the local inventory account based on the second transaction information. This ensures that the local inventory account matches the number of financial instruments in the target inventory account on the first trading platform, thereby confirming the accuracy of subsequent matching.

[0064] In several feasible configurations, if the financial instrument is stocks, the business server can run retail trading services, retail risk management services, and an inventory system, where the retail trading services are used to receive and process requests from client terminals, the retail risk management services are used to perform risk management detection on trading requests, the inventory system is used to manage local inventory accounts, i.e., to manage holdings information for different financial instruments in the business server's retail inventory, and the first trading platform can run institutional risk management services and institutional trading services, where the institutional risk management services are used to perform risk management detection on trading requests, and the institutional trading services are used to execute actual trading operations for financial instruments and to manage position information for different accounts in the first trading platform.

[0065] As shown in Figure 3, the retail trading service, retail risk management service, institutional risk management service, and institutional trading service are abbreviated as retail trading, retail risk management, institutional risk management, and institutional trading, respectively. When user A places an order for 2.2 shares of stock 1 based on a client terminal installed on the user terminal, the user terminal can send a request corresponding to the order (for example, the operation request described above) to the business server. After the business server receives the request, it sends the order information corresponding to the order, namely the total number of operations "2.2" and the stock mark "Stock 1", to the retail risk management service via the retail trading service. The retail risk management service can then check the order information (see the risk management detection described above). If the check is not cleared, the order is rejected. If the check is cleared, the 2.2 shares of stock are sent via the retail trading service. A trading request corresponding to the integer part "2 shares" can be sent to the first trading platform, and the first trading platform can check the request via the institutional risk management service (refer to the risk management detection above). If the check is not cleared, the order is rejected. If the check is cleared, the first trading platform places the order upstream via the institutional trading service, executes the stock trade, and after confirming the success of the trade, generates a settlement report. The settlement report may include the trading price, the number of trades, the shares traded, etc., and the settlement report is sent to the institutional risk management service and the retail trading service of the business server, respectively.

[0066] After the institutional risk management service obtains the transaction report, it can update the position information for "Stock 1" in the target user account on the first trading platform for user A, i.e., increase the number of shares of Stock 1 by 2.

[0067] After the retail trading service on the business server obtains a transaction report, it can update the first asset data of the local user account of user A on the business server based on the transaction report. The retail trading service also further matches the fractional portion "0.2 shares" of stock 1 in the inventory system to generate matching information, and transmits this matching information as a signal to the inventory system and the mechanism risk management service of the first trading platform. Based on the signal of matching information, the inventory system reduces the amount of stock 1 held (i.e., the amount held in the target inventory account) by 0.2 shares of stock 1, and at the same time, the mechanism risk management service of the first trading platform uses the signal of matching information to reduce the amount of stock 1 held in the target inventory account of the first trading platform. The system transfers 0.2 shares of stock 1 from the user's target user account, ensuring that the position information of stock 1 in the target inventory account on the first trading platform matches the stock quantity (i.e., holdings information) of stock 1 in the local inventory account on the business server. After the first trading platform completes the transfer operation, it generates other transaction reports and sends a retail transaction service to the business server, allowing the asset data of the first user account on the business server of user A to be updated again, thereby ensuring that the holdings information of stock 1 in the local user account matches the position information of stock 1 in the target user account on the first trading platform.

[0068] In several feasible implementations, the business server can run business risk management services, asset systems, trading systems, and inventory systems, and the first trading platform can include institutional risk management services and institutional systems, as shown in Figure 4. In this application, the business risk management service and institutional risk management service are abbreviated as business risk management and institutional risk management, respectively. Combining the above embodiments, as shown in Figure 4, the trading system can obtain operation requests for shares from user terminals, and the trading system can respond to such operation requests and interact with the business risk management service. The business risk management service performs risk management detection processing on the operation request, and after clearing the risk management, the trading system can obtain the total number of operations in the operation request, determine the first number to be operated on (the fractional part) and the second number to be operated on (the integer part) from the total number of operations, and if the second number to be operated on is not 0, the integer part of the total number of operations (i.e., the second number to be operated on) is determined based on the shares corresponding to the operation request and the second number to be operated on. The system generates a first trade request for a number of shares, sends the first trade request to the mechanism system of the first trading platform, and once the mechanism system confirms that it has cleared the request risk management by interacting with the mechanism risk management service, it places the first trade request upstream, executes the stock trade, and after it is confirmed that the order corresponding to the first trade request is successful, the mechanism system can send a settlement report back to the trading system, and the trading system can send the settlement report to the business risk management service on the business server, and the business risk management service updates the first asset data of the user's local user account by interacting with the asset system.After the second number to be operated on is not 0 and the integer portion of the stock trades is completed, or if the second number to be operated on is 0, the trading system matches the fractional portion of the total number of operations (i.e., the first number to be operated on) with the first number of operations based on the local inventory account and local user account, and confirms the matching information so that the local user account and local inventory account can complete the trade of the fractional portion of the stocks. The matching information includes transaction information such as the target of the transaction, the number of transactions, the transaction price, the transaction time, and account information. The trading system can transmit the matching information to the inventory system so that the inventory system interacts with the asset system and completes the change in the inventory account assets, i.e., the change in the amount of traded stocks held in the local inventory account. At the same time, the trading system pushes the user asset change information to the mechanism risk management service of the first trading platform based on the matching information so that the mechanism risk management service of the first trading platform performs a transfer operation for the first number of operations between the target inventory account and the target user account corresponding to the user, and completes the position change of the inventory account and user account on the first trading platform. Furthermore, the trading system can receive settlement reports corresponding to fractional share transactions returned from the mechanism risk management service of the first trading platform, transmit these settlement reports to the business risk management service, and interact with the asset system of the business risk management service to update the user's asset information, that is, to update the first asset data of the local user account.

[0069] In several feasible implementation methods, combining the above embodiments, and taking the example that the operation request is an order request as shown in Figure 5, the business server first obtains the order request, i.e., the operation request, from the user terminal, and then performs a preliminary check on the total number of operations, trading authority, market conditions, etc., in the order request. After clearing the check, the business risk management system determines whether the second number to be operated on, which is the integer part of the total number of operations, is 0. If the second number to be operated on is not 0, the business risk management system generates a first trading request in the institutional trading system based on the second number to be operated on and the financial instrument subject in the order request, and purchases an integer number of shares corresponding to the second number to be operated on, thereby realizing the order operation of integer shares. If the second number to be operated on is 0, the business risk management system can query the NBBO price based on the first operation data. If the query fails, it can intercept the order corresponding to the request. If the query is successful, it can match the inventory account and user account according to the order number, i.e., the above order number, and the NBBO price, generate a transaction report and matching information, and push the matching information to the inventory system and the institutional risk management system. Subsequently, the business server can process a transaction report corresponding to the integer portion of the shares or a transaction report corresponding to the integer portion being 0. It determines whether only the fractional portion of the shares in the order number will not be processed in the order corresponding to the order request. If it determines that only the fractional portion of the shares in the order number will not be processed, it controls the business risk management system to process the transaction, for example, by updating the user account and inventory account. If it determines that only the fractional portion of the shares in the order number will not be processed, it matches the inventory account and user account according to the NBBO price and the optimal price in the historical transaction price, the fractional portion, generates a transaction report and matching information, pushes the matching information to the inventory system and the institutional risk management system, and controls the business risk management system to process the transaction, for example, by updating the user account and inventory account.The steps to update the user accounts and inventory accounts described above include updating the asset data of the local user accounts and local inventory accounts, and performing a stock transfer operation between the target user account and the target inventory account.

[0070] Through the proposed technology, after receiving an operation request for fractional financial instruments, the first trading platform controls the transfer operation of the financial instruments between the user account and the target inventory account, thereby directly realizing transactions for fractional financial instruments. This enables rapid processing of financial instruments and asset data in accounts corresponding to user account marks, improving the processing efficiency of financial instruments such as fractional shares, reducing processing time, and improving ease of processing. Taking the financial instrument as a stock as an example, by maintaining a local inventory account and a target inventory account in the first trading platform, when a trading request for fractional shares is received, the first trading platform can be controlled to transfer shares between the user account and the target inventory account by matching the fractional shares to the local inventory account. This eliminates the need for fractional share trading requests to enter the financial market, directly realizing the trading function for fractional shares and other financial instruments, improving the processing efficiency of financial instruments such as fractional shares, and reducing processing time.

[0071] Furthermore, in the specific implementation of this application, with regard to related data such as numbers, stock marks, and account marks, if the embodiments of this application are applied to a specific product or technology, it will be necessary to obtain the user's permission, consent, or authority, and the collection, use, and processing of related data will comply with the relevant laws, regulations, and standards of the relevant countries and regions.

[0072] Although preferred embodiments of this application have been described in detail above in conjunction with the drawings, this application is not limited to the specific details of the above embodiments, and various simple modifications can be made to the technical proposals of this application within the scope of the technical concept of this application, and all of these simple modifications fall within the scope of protection of this application. For example, each specific technical feature described in the above specific embodiments can be combined in any suitable manner as long as there is no contradiction, and in order to avoid unnecessary repetition, this application does not describe any further various possible combinations. Furthermore, for example, any combination can be made between the various different embodiments of this application, and as long as it does not violate the concept of this application, it should be considered as being disclosed in this application as well.

[0073] Figure 6 is a schematic diagram of a virtual resource data processing device 600 provided in an embodiment of the present application, and as shown in Figure 6, the device 600 includes a first receiving module 601, a first confirmation module 602, a first acquisition module 603, a first processing module 604, a second processing module 605, a first generation module 606, a third processing module 607, a fourth processing module 608, an update module 609, a second generation module 610, a fifth processing module 611, and a sixth processing module 612, where, The first receiving module 601 is used to receive operation requests for financial instruments from the user terminal; the first confirmation module 602 is used to respond to the operation request and confirm the first number to be operated on, which is a fraction in the operation request, the user account mark, and the financial instrument; the first acquisition module 603 is used to acquire matching information according to the financial instrument and the first number to be operated on; the first processing module 604 is used to transmit the matching information to the first trading platform and control the first trading platform to perform a transfer operation on the first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information; the target inventory account and the target user account are accounts on the first trading platform, the target inventory account has financial instruments that have been purchased in advance; the second processing module 605 receives the first transaction record returned from the first trading platform and updates the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information.

[0074] In several feasible configurations, the matching information includes the financial instrument, the first number to be operated on, and the trading price of the financial instrument. The first acquisition module 603 is specifically used to query the real-time market price of the financial instrument based on the financial instrument and the first number to be operated on, and to generate matching information based on the financial instrument, the first number to be operated on, and the real-time market price.

[0075] In several feasible configurations, a first determination module 602 is specifically used to obtain the total number of operations in an operation request and to determine from the total number of operations a first number to be operated on in the fractional part and a second number to be operated on corresponding to the integer part; a first generation module 606 is used to generate a first transaction request based on the financial instrument target and the second number to be operated on, provided the second number to be operated on is not zero; a third processing module 607 is used to send the first transaction request to a first trading platform and control the first trading platform to perform a transaction operation on the financial instrument target based on the target user account and generate a second transaction record; and a fourth processing module 608 is used to receive the second transaction record returned from the first trading platform and update the first asset data of the local user account based on the second transaction record.

[0076] In several feasible configurations, the matching information includes the financial instrument, the first number to be operated on, and the trading price of the financial instrument. The first acquisition module 603 is specifically used to query the real-time market price of the financial instrument based on the financial instrument and the first number to be operated on; to obtain the market trading price of the financial instrument from a second trading record; to determine the optimal trading price of the financial instrument based on the market trading price and the real-time market price; and to generate matching information based on the financial instrument, the first number to be operated on, and the optimal trading price.

[0077] In some feasible implementations, if querying real-time market prices fails and market transaction prices are not retrieved, an operation failure request is returned to the user terminal.

[0078] In several feasible configurations, the second processing module 605 is specifically used to determine the transaction amount of a financial instrument in accordance with the real-time market price and the first number to be operated on; to update the number of items corresponding to the financial instrument in the first asset data in accordance with the first number to be operated on; and to update the fund balance in the first asset data in accordance with the transaction amount of the financial instrument.

[0079] In several feasible configurations, the update module 609 is used to update the number of financial instruments in the local inventory account based on a first transaction record of matching information and to obtain the inventory count; the second generation module 610 is used to generate a second transaction request based on the inventory count and financial instruments if the inventory count does not belong to an inventory interval; the fifth processing module 611 is used to send the second transaction request to the first trading platform and control the first trading platform to perform a transaction operation on the financial instruments based on the target inventory account and generate a third transaction record; and the sixth processing module 612 is used to receive the third transaction record returned from the first trading platform and update the number of financial instruments in the local inventory account based on the third transaction record so that the updated number of financial instruments in the local inventory account belongs to an inventory interval.

[0080] Note that the apparatus embodiment and the method embodiment can correspond to each other, and similar descriptions can be found in the method embodiment. To avoid repetition, no further explanation is provided here. Specifically, the apparatus 600 shown in Figure 6 can perform the above method embodiment, and the aforementioned and other operations and / or functions of each module in the apparatus 600 are for the purpose of realizing the corresponding flow in each of the above methods, and are therefore omitted here for brevity.

[0081] The above describes the apparatus 600 of the embodiment of this application by referring to the angles of the functional module in conjunction with the drawings. The functional module can be implemented in hardware, by instructions in software form, or through a combination of hardware and software modules. Specifically, each step of the method embodiment in this embodiment is completed through integrated logic circuits of hardware in the processor and / or instructions in software form, and the step of combining the methods disclosed in this embodiment directly completes the execution of the hardware decode processor, or completes the execution using a combination of hardware and software modules in the decode processor. Optionally, the software module can be located in mature storage media of the art, such as random memory, flash memory, read-only memory, programmable read-only memory, electrically writable and erasable programmable read-only memory, and registers. The storage medium is located in memory, and the processor reads the information in memory and combines its hardware to complete the steps in the method embodiment.

[0082] Figure 7 is an exemplary block diagram of an electronic device 700 provided in an embodiment of this application. As shown in Figure 7, the electronic device 700 is The system may include a memory 710 and a processor 720, the memory 710 being used to store a computer program and to transmit the program code to the processor 720. That is, the processor 720 can call from the memory 710 and execute the computer program to implement the method in the embodiment of this application.

[0083] For example, the processor 720 can be used to execute the above-described embodiment of the method in accordance with instructions in the computer program.

[0084] In some embodiments of this application, the processor 720 may include, but is not limited to, the following:

[0085] These include general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs) or other programmable logic devices, discrete gates or transistor logic devices, and discrete hardware components.

[0086] In some embodiments of this application, the memory 710 includes, but is not limited to, the following:

[0087] The memory is volatile and / or non-volatile. Here, the non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), write-eraseable programmable read-only memory (Erasable PROM, EPROM), electrically write-eraseable programmable read-only memory (Electrically EPROM, EEPROM), or flash memory. The volatile memory may be random access memory (RAM) used as an external cache. By illustrative but non-restrictive descriptions, many forms of RAM are available, such as static random access memory (Static RAM, SRAM), dynamic random access memory (DRAM), synchronous dynamic random access memory (Synchronous DRAM, SDRAM), double data rate synchronous dynamic random access memory (Double Data Rate SDRAM, DDR SDRAM), enhanced synchronous dynamic random access memory (Enhanced SDRAM, ESDRAM), synchronous link dynamic random access memory (SLDRAM), and direct Rambus random access memory (DR RAM).

[0088] In some embodiments of this application, the computer program may be divided into one or more modules, which are stored in the memory 710 and executed by the processor 720 to complete the method provided in this application. The one or more modules may be a series of computer program instruction segments that can complete a particular function, which are used to describe the execution process of the computer program in the electronic device.

[0089] As shown in Figure 7, the electronic device is The system may further include a transceiver 730, which may be connected to the processor 720 or memory 710.

[0090] Here, the processor 720 can control the transceiver 730 to communicate with other devices, specifically, to transmit information or data to other devices or to receive information or data transmitted from other devices. The transceiver 730 may include a transmitter and a receiver. The transceiver 730 may further include antennas, and the number of antennas may be one or more.

[0091] Furthermore, each component within the electronic device is connected via a bus system, which includes a data bus, a power bus, a control bus, and a status signal bus.

[0092] This application further provides a computer-readable storage medium storing a computer program, which, when executed by a computer, causes the computer to implement the method of the above-described embodiment. Alternatively, an embodiment of this application further provides a computer program product including instructions, which, when executed by a computer, causes the computer to implement the method of the above-described embodiment.

[0093] When implemented using software, the entire or partial implementation can be in the form of a computer program product. This computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the entire or partial implementation generates a flow or function corresponding to the embodiments of this application. The computer may be a general-purpose computer, a dedicated computer, a computer network, or other programmable device. The computer instructions may be stored on a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire (e.g., coaxial cable, fiber optic cable, digital subscriber line (DSL)) or wirelessly (e.g., infrared, radio, microwave, etc.). The computer-readable storage medium may be any available medium accessible to a computer, or it may be a data storage device such as a server or data center that includes one or more available media and is integrated with them. The usable media may be magnetic media (e.g., floppy disks, hard disks, tapes), optical media (e.g., digital video discs (DVDs)), or semiconductor media (e.g., solid state disks (SSDs)).

[0094] Those skilled in the art will be aware that combining each illustrative module and algorithmic step described in the embodiments disclosed herein can be achieved by electronic hardware, or by combining computer software and electronic hardware. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical proposal. Those skilled in the art may use different methods for each specific application to achieve the described functions, but such achievements should not be considered outside the scope of this application.

[0095] In some embodiments provided in this application, it should be understood that the disclosed systems, apparatus, and methods may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, and the module division is merely a logical functional division; other division methods may exist in actual implementation, for example, multiple modules or components may be combined, integrated into another system, or some features may be ignored or not implemented. In other words, the mutual coupling, direct coupling, or communication connection illustrated or discussed may be an indirect coupling or communication connection via an interface, apparatus, or module, and may be electrical, mechanical, or otherwise.

[0096] Modules described as separate components do not necessarily have to be physically separate, and components illustrated as modules do not necessarily have to be physical modules; that is, they may be located in one place or distributed across multiple net units. Some or all of these modules can be selected to achieve the objectives of the technical proposal of this embodiment, depending on the actual needs. For example, each functional module in each embodiment of the present application may be integrated into a single processing module, each module may exist physically separately, or two or more modules may be integrated into a single module.

[0097] The above describes only specific embodiments of this application; however, the scope of protection of this application is not limited thereto. Modifications and substitutions that any person skilled in the art could easily conceive within the scope of the technology disclosed in this application should also be included in the scope of protection. Therefore, the scope of protection of this application should be subject to the scope of protection of the claims.

Claims

1. A method for processing data of virtual resources performed by a computer, The steps include receiving an operation request for a financial product on the user terminal, A step in which, in response to the operation request, the first number to be operated on, the user account mark, and the target financial product in the operation request are determined, wherein the first number to be operated on is a fractional number. The steps include obtaining matching information according to the financial instrument subject and the number to be operated on in the first step, The matching information is transmitted to a first trading platform, and the first trading platform is controlled to perform a transfer operation on the first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information, wherein the target inventory account and the target user account are accounts on the first trading platform, and the target inventory account has financial instruments that have been purchased in advance, A method for processing virtual resources, characterized by including the steps of: receiving a first transaction record returned from the first trading platform; and updating the first asset data of a local user account corresponding to the user account mark based on the first transaction record of the matching information.

2. The matching information includes the financial instrument, the number to be operated on in the first operation, and the transaction price of the financial instrument. The step of obtaining matching information according to the financial instrument subject and the number to be operated on in the first operation is: The steps include querying the real-time market price of the financial instrument subject and the number of operations to be performed, The method according to claim 1, comprising the step of generating matching information based on the financial instrument subject, the first number to be operated on, and the market real-time price.

3. The step of determining the number to be operated on in the operation request is: The steps include obtaining the total number of operations in the aforementioned operation request, The steps include determining the first number to be operated on and the second number to be operated on, corresponding to the integer part, from the total number of operations, Depending on the financial instrument subject and the number of operations to be performed in the first operation, before obtaining matching information, If the second number to be operated on is not zero, the steps include generating a first transaction request based on the financial instrument target and the second number to be operated on, The steps include sending a first transaction request to a first trading platform, controlling the first trading platform to perform a transaction operation for the financial instrument based on the target user account and generate a second transaction record, The method according to claim 1, further comprising the steps of receiving a second transaction record returned from the first trading platform and updating the first asset data of the local user account based on the second transaction record.

4. The matching information includes the financial instrument, the number to be operated on in the first operation, and the transaction price of the financial instrument. The step of obtaining matching information according to the financial instrument subject and the number to be operated on in the first operation is: The steps include querying the real-time market price of the financial instrument subject and the number of operations to be performed, The steps include obtaining the market transaction price of the financial instrument from the second transaction record, A step of determining the optimal trading price for the financial instrument based on the aforementioned market trading price and the aforementioned real-time market price, The method according to claim 3, characterized by comprising the step of generating matching information based on the financial instrument subject, the first number to be operated on, and the optimal transaction price.

5. The method according to claim 4, further comprising the step of returning an operation failure request to the user terminal if it fails to query the market real-time price and fails to obtain the market transaction price.

6. The step of updating the first asset data of the local user account corresponding to the user account mark based on the first transaction record of the matching information is: A step of determining the transaction amount of the financial instrument subject to the real-time market price and the number to be manipulated in the first step, The steps include updating the number of targets in the first asset data that corresponds to the financial instrument target, according to the number of the first operation to be performed, The method according to claim 1, characterized by comprising the step of updating the asset balance in the first asset data according to the contract amount of the financial product.

7. After receiving the first transaction record returned from the first trading platform, Based on the first transaction record of the matching information, the number of the financial instruments in the local inventory account is updated and the inventory count is obtained. If the aforementioned inventory quantity does not fall within the inventory interval, the step of generating a second transaction request according to the aforementioned inventory quantity and the financial instrument subject, The steps include sending a second transaction request to the first transaction platform, controlling the first transaction platform to perform a transaction operation for the financial instrument based on the target inventory account and generate a third transaction record, The method according to claim 1, further comprising the steps of receiving a third transaction record returned from the first trading platform, and updating the number of financial instruments in the local inventory account based on the third transaction record, wherein the updated number of financial instruments in the local inventory account belongs to the inventory interval.

8. Depending on the financial instrument subject and the number of operations to be performed in the first operation, before obtaining matching information, The steps include determining the target user account corresponding to the user account mark and determining the financial instrument processing authority possessed by the target user account according to the target user account, The process further includes comparing the financial instrument processing authority held by the target user account with the number of financial instruments to be operated on, and determining whether the target user account has the authority to process the number of financial instruments to be operated on. The step of obtaining matching information according to the financial instrument subject and the number to be operated on in the first operation is: The method according to claim 1, characterized in that the target user account has the authority to process the first number of financial instrument targets to be operated on, and the method further includes the step of obtaining matching information according to the financial instrument targets and the first number to be operated on.

9. Depending on the financial instrument subject and the number of operations to be performed in the first operation, before obtaining matching information, The steps include: determining the target user account corresponding to the user account mark; obtaining account operation image information of the target user account; the account operation image information includes historical operation information for different financial instruments each time the target user account performs an operation on; and the historical operation information includes product information of the historical financial instrument, the direction of operation for performing the financial instrument operation, the numerical value for each financial instrument operation, and the time for each financial instrument operation. The steps include: clustering the account operation image information to obtain multiple clustering centers of the account operation image information, and determining the multiple clustering centers as operation feature information corresponding to the target user account; The current operation information is obtained, and the current operation information includes the financial product information of the operation request, the direction of the operation request, the total number of operations in the operation request, and the time the operation request was initiated. The method further includes the step of calculating the distance between the current operation information and a plurality of operation feature information, The step of obtaining matching information according to the financial instrument subject and the number to be operated on in the first operation is: The method according to claim 1, characterized in that if the distance between the current operation information and any of the operation feature information in the plurality of operation feature information is smaller than a preset distance threshold, it is determined that the target user account has the authority to process the first number of financial instruments to be operated on, and the method includes the step of obtaining the matching information according to the financial instruments and the first number to be operated on.

10. A data processing device for virtual resources, A first receiving module used to receive operation requests for financial products on a user terminal, A first confirmation module used to respond to the operation request and to determine the first number to be operated on, the user account mark, and the financial instrument target in the operation request, wherein the first number to be operated on is a fractional first confirmation module, A first acquisition module used to acquire matching information according to the financial instrument subject and the number to be operated on in the first operation, The matching information is transmitted to a first trading platform, and the first trading platform is controlled to perform a transfer operation on the first number of financial instruments to be operated on between the target inventory account and the target user account corresponding to the user account mark, and to generate a first transaction record of the matching information, wherein the target inventory account and the target user account are accounts on the first trading platform, and the target inventory account is a first processing module used to hold financial instruments that have been purchased in advance, A virtual resource data processing device comprising: a second processing module used to receive a first transaction record returned from the first trading platform and to update first asset data of a local user account corresponding to the user account mark based on the first transaction record of the matching information.

11. It is an electronic device, Processor, and includes memory used to store executable commands of the processor, Herein, the electronic device is characterized in that the processor is arranged to perform the method according to any one of claims 1 to 9 by executing the executable commands.

12. A computer-readable storage medium, wherein a computer program is stored therein, and the computer program, when executed by a processor, realizes the method described in any one of claims 1 to 9.

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