CN111340468B - Resource data processing method and device, computer equipment and storage medium - Google Patents

Resource data processing method and device, computer equipment and storage medium Download PDF

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CN111340468B
CN111340468B CN202010118946.3A CN202010118946A CN111340468B CN 111340468 B CN111340468 B CN 111340468B CN 202010118946 A CN202010118946 A CN 202010118946A CN 111340468 B CN111340468 B CN 111340468B
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resource
target
account
entity
conversion
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CN111340468A (en
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王兴盛
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Abstract

The application relates to a resource data processing method, a resource data processing device, a computer device and a storage medium. The method comprises the following steps: receiving a first resource transfer request sent by a terminal, wherein the first resource transfer request carries a user identifier, a transfer type identifier and resource data to be transferred; determining a corresponding first target digital account and a first target entity account according to the user identification; the first target entity account is an account corresponding to the entity resource; the first target digital account is an account corresponding to the digital resource; the digital resources are digital form resources corresponding to the entity resources; changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier; and sending a first resource change request carrying the first target entity account, the transfer type identifier and the resource data to be transferred to a first target server to indicate the first target server to change the resource numerical value corresponding to the first target entity account. The method can improve the reliability of resource transfer.

Description

Resource data processing method and device, computer equipment and storage medium
Technical Field
The present application relates to the field of computer technologies, and in particular, to a resource transfer method, an apparatus, a computer device, and a storage medium.
Background
With the rapid development of scientific technology, more and more users are used for resource transfer, and great convenience is brought to the life of people. For example, people can conduct various transactions through a payment platform in the internet without carrying cash with them. With the increasing speed of the economic globalization, people have more and more demands on the cross-border resource transfer.
In the conventional technology, when cross-border resource transfer is performed, the cross-border resource transfer is usually performed through digital resources issued by financial institutions, however, since the value of the issued digital resources is not guaranteed, there is a possibility that a large depreciation occurs due to factors such as market fluctuation or a large amount of releases of operators, and the reliability of resource transfer is low.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a resource data processing method, device, computer apparatus, and storage medium capable of improving the reliability of resource transfer.
A method of resource data processing, the method comprising:
receiving a first resource transfer request sent by a terminal, wherein the first resource transfer request carries a user identifier, a transfer type identifier and resource data to be transferred;
determining a corresponding first target digital account and a first target entity account according to the user identification; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resource is a digital form resource corresponding to the entity resource;
changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier;
determining a corresponding first target server according to the first target entity account, and sending a first resource change request carrying the first target entity account, the transfer type identifier and the resource data to be transferred to the first target server, where the first resource change request is used to instruct the first target server to change a resource value corresponding to the first target entity account according to the transfer type identifier and the resource data to be transferred.
An apparatus for resource data processing, the apparatus comprising:
the system comprises a receiving module, a resource allocation module and a resource allocation module, wherein the receiving module is used for receiving a first resource allocation request sent by a terminal, and the first resource allocation request carries a user identifier, an allocation type identifier and resource data to be allocated;
the account determining module is used for determining a corresponding first target digital account and a corresponding first target entity account according to the user identification; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resource is a digital form resource corresponding to the entity resource;
the changing module is used for changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier;
a sending module, configured to determine a corresponding first target server according to the first target entity account, and send a first resource change request carrying the first target entity account, the transfer type identifier, and the to-be-transferred resource data to the first target server, where the first resource change request is used to instruct the first target server to change a resource value corresponding to the first target entity account according to the transfer type identifier and the to-be-transferred resource data.
A computer device comprises a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the resource data processing method provided by the above embodiment when executing the computer program.
A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the resource data processing method provided by the above-described embodiments.
The resource data processing method, the device, the computer equipment and the storage medium, by receiving a first resource transfer request which is sent by a terminal and carries a user identifier, a transfer type identifier and resource data to be transferred, determining a corresponding first target digital account and a first target entity account according to the user identifier, changing a resource numerical value corresponding to the first target digital account according to the transfer type identifier and the resource data to be transferred, sending a request carrying a first resource change to a first target server corresponding to the first target entity account to instruct the first target server to synchronously change the resource numerical value corresponding to the first target entity account, wherein the first target entity account is an account corresponding to an entity resource corresponding to the user identifier, the first target digital account is an account corresponding to a digital resource corresponding to the user identifier, and the digital resource and a digital form resource corresponding to a mapping relationship exists for the entity resource, therefore, the resource transfer with the entity resource as a value source is realized, and the reliability of the resource transfer is improved because the entity resource has more stable intrinsic value compared with the digital resource in the traditional technology.
Drawings
FIG. 1 is a diagram of an application environment of a resource data processing method in one embodiment;
FIG. 2 is a flow diagram illustrating a method for processing resource data according to one embodiment;
FIG. 2A is a diagram of an account structure model for a user in one embodiment;
FIG. 3 is a flowchart illustrating a resource data processing method according to another embodiment;
FIG. 4 is a flowchart illustrating a resource data processing method according to another embodiment;
FIG. 5 is a flow diagram illustrating steps other than those shown in FIG. 2 in one embodiment;
FIG. 5A is a diagram illustrating an interface for a terminal to trigger generation of a first resource transformation request according to an embodiment;
FIG. 6 is a block chain network topology diagram according to an embodiment;
FIG. 7 is a diagram of processing server in-house deployment logic in one embodiment;
FIG. 8 is a block diagram showing the structure of a resource data processing apparatus according to one embodiment;
FIG. 9 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The resource data processing method provided by the application can be applied to the application environment shown in fig. 1. The terminal 102 and the first target server 106 are in communication with the processing server 104 through a network. In the application, the user corresponds to two types of accounts, namely a digital account and an entity account, the digital account is an account opened by the processing server, and the entity account is an account opened by the first target server. The user can send a first resource transfer request carrying a user identifier, a transfer type identifier and resource data to be transferred to the processing server 104 through the terminal 102, after receiving the request, the processing server 104 can determine a first target digital account and a first target entity account corresponding to the user according to the user identifier carried therein, further change a resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier carried in the request, and send a first resource change request to instruct the first target server 106 to synchronously change the first target entity account corresponding to the user, thereby realizing the transfer of the resource of the user. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the first target server 106 and the processing server 104 may be implemented by independent servers or a server cluster formed by a plurality of servers.
In one embodiment, as shown in fig. 2, a resource data processing method is provided, which is described by taking the method as an example applied to the processing server 104 in fig. 1, and includes the following steps:
step 202, receiving a first resource transfer request sent by a terminal, where the first resource transfer request carries a user identifier, a transfer type identifier, and resource data to be transferred.
The resource transfer refers to transferring a resource from an account of one user to an account of another user. The resource is a resource that can be distributed, and for example, a resource that can be distributed via an account on the internet. The resource transfer includes two directions of resource transfer-out and resource transfer-in, it is understood that the transfer-in and the transfer-out are relative to the user sending the resource transfer request, the transfer-out refers to transferring the resource out from the account of the user sending the resource transfer request, and the transfer-in is opposite. The transfer type identifier is used for identifying the type of resource transfer, the type of resource transfer includes remittance, payment, red parcel, receipt and the like, and the direction of resource transfer can be determined according to the type of resource transfer, for example, when the type of resource transfer is transfer, the corresponding direction of resource transfer is transfer-out.
The user identifier is used for uniquely identifying the identity of the user, and the user identifier can be a mobile phone number and a certificate number of the user, or a character string combined by one or more of numbers, letters and special symbols. The resource data to be transferred refers to data related to resources to be transferred, and includes a resource amount to be transferred and a corresponding resource type to be transferred, where the resource amount to be transferred is used to represent the amount of the resources to be transferred, and the resource type to be transferred refers to the type of the resources to be transferred. For example, 50 yuan RMB of the account A is transferred to the account B, 50 is the amount of the resource to be transferred, and RMB is the type of the resource to be transferred.
Specifically, a user can trigger and generate a first resource transfer request through a terminal, the first resource transfer request carries a user identifier, a transfer type identifier and resource data to be transferred, the first resource transfer request is sent to a processing server through a network, and the processing server analyzes the request after receiving the request to obtain the user identifier, the transfer type identifier and the resource data to be transferred carried in the request.
Step 204, determining a corresponding first target digital account and a first target entity account according to the user identifier; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resources are digital form resources corresponding to the entity resources.
Wherein, the entity resource refers to the value assets independently stored and managed by the third-party legal financial institution, including but not limited to gold, silver, artworks and the like. The entity resource corresponding to the user identification refers to the entity resource held by the user corresponding to the user identification under the personal name of the third-party legal financial institution. The entity account is an account corresponding to the entity resource, that is, an electronic account opened by the third-party legal financial institution for the entity resource held under the user's personal name.
In one embodiment, the entity resources held by the user comprise two forms of indirectly holding equal-weight ownership of the entity resource target and directly holding the entity resources in real goods, and the two forms are divided into a physical account and a rights account according to different entity accounts in the form of the entity resources held by the user, wherein the physical account is an account opened when the user directly holds the entity resources in real goods, for example, when the user opens three to deposit 100g of physical gold in a certain industrial and commercial bank, the bank opens the physical gold account for the user, and then the account is the physical account; the equity account is an account opened when the user indirectly holds the equal-weight ownership of the entity resource target, wherein the ownership includes but is not limited to equity in the form of property right, bond and the like, for example, the user lee holds gold ETF Fund (Exchange trade Fund) in a Fund Exchange, the Fund Exchange is the gold ETF Fund account opened by lee, and the account is the equity account.
The digital account is an account opened by the processing server for the user, corresponds to the digital resource of the user, and the digital resource exists on the processing server and is a digital form resource corresponding to the entity resource.
In an embodiment, the processing server may map the entity resource according to a preset ratio to obtain the digital resource, where the preset ratio may be, for example, 1: for example, if user zhang has 50g of gold in the physical account of a certain bank, the 50g of gold may be calculated according to the ratio of 1: the ratio of 1 is mapped to the gold digital resource, and then 50 grams of gold digital resource exists in the digital account of Zhang III.
It is understood that the digital resources of one digital account can be digitally mapped by the entity resources of multiple entity accounts, that is, the same digital account of a user can be associated with multiple entity accounts of the user. FIG. 2A is a diagram of an account structure model of a user in an embodiment in which the entity resource is gold. Referring to fig. 2A, for a single user, the digital account corresponds to a digital account, the digital account can be bound to bank accounts of the user in a plurality of banks, and the digital account can be associated with a rights account of the user and a physical account, the rights account can be, for example, a gold ETF account, a gold EFT linked fund account, and the physical account can be, for example, a gold exchange physical account, a bank precious metal account, and the like.
In this embodiment, a user may trigger an account opening request of a digital account through a terminal, and after receiving the account opening request, a processing server sets up a corresponding digital account for the user according to a supervision-related requirement after the user perfects identity information, such as a personal mobile phone number, certificate information, and the like, and risk evaluation information.
In one embodiment, when the user does not want to use the digital account, an account logout request can be sent to the processing server through the terminal, and the processing server can log out the digital account of the user according to the account logout request.
It can be understood that, for the same user, the user identifier of the user is associated with both the digital account and the entity account of the user, so that the processing server can query the target digital account and the target entity account corresponding to the user according to the user identifier carried in the resource transfer request.
And step 206, changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier.
Specifically, the processing server can judge whether the direction of resource transfer is to be transferred in or out according to the transfer type identifier, and when the direction of resource transfer is to be transferred, the processing server increases the resource numerical value corresponding to the first target digital account according to the resource data to be transferred; and when the resource transferring direction is transferring out, the processing server reduces the resource value corresponding to the first target digital account according to the resource data to be transferred.
And 208, determining a corresponding first target server according to the first target entity account, and sending a first resource change request carrying the first target entity account, the transfer type identifier and the resource data to be transferred to the first target server, wherein the first resource change request is used for indicating the first target server to change the resource value corresponding to the first target entity account according to the transfer type identifier and the resource data to be transferred.
The first target server corresponding to the first target entity account is a server corresponding to a third-party legal financial institution which opens the first target entity account. It is understood that since the entity account is an account opened by the third-party legal financial institution, the operation of changing the account is naturally performed by a server corresponding to the third-party legal financial institution.
Specifically, the processing server may generate a first resource change request according to a first target entity account, a transfer type identifier, and resource data to be transferred, after determining a corresponding first target server according to the first target entity account, send the first resource change request to the first target server, after receiving the request, the first target server may change a resource value corresponding to the first target entity account according to the resource data to be transferred and the transfer type identifier carried therein, after the change is successful, feedback information that the change is successful may be returned to the processing server, and after receiving the feedback information, the processing server may return feedback information that the resource transfer is successful to the terminal.
It is understood that, in an embodiment, the processing server may also perform step 208 first, and after receiving the feedback information that the change is successful, the processing server performs step 206 to change the resource value corresponding to the first target digital account.
In the method for processing the resource data, a first target digital account and a first target entity account corresponding to a user identifier are determined according to the user identifier by receiving a first resource transfer request which is sent by a terminal and carries the user identifier, a transfer type identifier and resource data to be transferred, a resource numerical value corresponding to the first target digital account is changed according to the transfer type identifier and the resource data to be transferred, a request for carrying the first resource change is sent to a first target server corresponding to the first target entity account to instruct the first target server to synchronously change the resource numerical value corresponding to the first target entity account, because the first target entity account is an account corresponding to an entity resource corresponding to the user identifier, the first target digital account is an account corresponding to a digital resource corresponding to the user identifier, and the digital resource and a digital form resource corresponding to the entity resource have a mapping relationship, therefore, the resource transfer with the entity resource as a value source is realized, and the reliability of the resource transfer is improved because the entity resource has more stable intrinsic value compared with the digital resource in the traditional technology.
In one embodiment, as shown in fig. 3, there is provided a resource data processing method, including the steps of:
step 302, receiving a first resource transfer request sent by a terminal, wherein the first resource transfer request carries a user identifier, a transfer type identifier, resource data to be transferred and a second target digital account corresponding to a target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred.
The target resource transfer user is a user opposite to the user corresponding to the user identifier during resource transfer. For example, transferring the resource of the account corresponding to the user identifier to the account of the user a, and then the user a is the target resource transfer user; and if the resources of the account of the user B are transferred to the account corresponding to the user identifier, the user B transfers the user for the target resources. The second target digital account corresponding to the target resource transferring user refers to an account corresponding to the digital resource corresponding to the target resource transferring user. The second target entity account corresponding to the target resource transferring user refers to an account corresponding to the entity resource corresponding to the target resource transferring user.
Step 304, determining a corresponding first target digital account and a first target entity account according to the user identifier; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resources are digital form resources corresponding to the entity resources.
And 306, when the transfer type identifier is used for representing resource transfer-out and the type of the resource to be transferred is an entity resource, reducing the resource value corresponding to the first target digital account according to the amount of the resource to be transferred, and increasing the resource value corresponding to the second target digital account.
The resource types to be transferred can be divided into an entity resource and a non-entity resource according to the difference of the resource types to be transferred. For example, if 50 grams of gold of account a is transferred to account B, the type of resource to be transferred is gold, and the type of resource to be transferred is an entity resource.
Specifically, the processing server determines whether the transfer type identifier is used for representing resource transfer-out according to the transfer type identifier, and determines whether the type of the resource to be transferred is an entity resource, when the transfer type identifier is used for representing resource transfer-out and the type of the resource to be transferred is an entity resource, since the resource of the digital account is a digital form resource of the entity resource, that is, the resource type of the digital account is also an entity resource, the resource type of the resource to be transferred is the same as the resource type of the digital account, and the processing server can directly reduce the resource value corresponding to the first target digital account according to the amount of the resource to be transferred, and increase the resource value corresponding to the second target digital account.
In one embodiment, when the entity resources are digitally mapped according to a ratio of 1:1 to obtain the digital resources, the processing server decreases the resource numerical value corresponding to the first target digital account by the amount equal to the amount of the resources to be transferred, and increases the resource numerical value corresponding to the second target digital account by the amount equal to the amount of the resources to be transferred. For example, when the amount of the resource to be transferred is 50, the resource value corresponding to the first target digital account is decreased by 50, and the resource value corresponding to the second target digital account is increased by 50.
Step 308, determining a corresponding first target server according to the first target entity account, and sending a first resource change request carrying the first target entity account, the transfer type identifier and the resource data to be transferred to the first target server, where the first resource change request is used to instruct the first target server to reduce the resource value corresponding to the first target entity account according to the transfer resource amount.
Specifically, since the transfer type identifier carried by the first resource change request is used to represent resource transfer-out, the first target server, after receiving the first resource change request sent by the processing server, reduces the resource value corresponding to the first target entity account according to the amount of the resource to be transferred corresponding to the resource data to be transferred, and since the resource type corresponding to the entity account is also an entity resource, the amount of the first target server reduced for the first target entity account is equal to the amount of the resource to be transferred.
Step 310, acquiring a second target entity account corresponding to the target resource transfer user, and sending a second resource change request carrying the second target entity account and the resource data to be transferred to a second target server, wherein the second resource change request is used for indicating the second target server to increase the resource value corresponding to the second entity account according to the resource quantity to be transferred; the second target entity account is a server corresponding to the second target entity account.
Specifically, since the resource value of the second target digital account corresponding to the target resource transferring user is increased, the resource value of the second target entity account of the target resource transferring user also needs to be increased, since the second target entity account of the target resource transferring user is set for the server corresponding to the second target entity account, the processing server needs to send a second resource change request to the server, and after receiving the second resource change request, the server increases the second target entity account according to the amount of the resource to be transferred in the resource data to be transferred carried by the request, and the increased amount is equal to the amount of the resource to be transferred.
The application also provides an application scenario applying the resource data processing method of the embodiment. In the application scenario, the entity resource is gold, and the entity resource is as follows: a ratio of 1 maps to a digital asset and user a needs to transfer 10 grams of a gold asset to user B. The digital account corresponding to the user A is an account A1, the entity account corresponding to the user A is an account A2, the digital account corresponding to the user B is an account B1, the entity account corresponding to the user B is an account B1, when transferring, the user A can send a transfer request to the processing server by clicking a remittance button of the terminal, after the processing server receives the transfer request of the user A, 10 grams of gold are reduced for the digital account corresponding to the user A, 10 grams of gold are added for the digital account corresponding to the user B, since the transfer is performed based on a gold real resource, the processing server needs to send a request to instruct a server corresponding to the account A1 to reduce 10 grams of gold for the account A1, and instruct a server corresponding to the account A2 to reduce 10 grams of gold for the account A2, and accordingly transfer 10 grams of gold assets of the user A to the account corresponding to the user B is achieved.
In the embodiment, the entity account and the digital account corresponding to the user identifier are synchronously reduced, and the entity account and the digital account corresponding to the target resource transfer user are synchronously increased, so that the resource transfer-out taking the entity resource as a value source is realized, and the reliability of the resource transfer-out is improved.
In one embodiment, as shown in fig. 4, there is provided a resource data processing method, including the steps of:
step 402, receiving a first resource transfer request sent by a terminal, wherein the first resource transfer request carries a user identifier, a transfer type identifier, resource data to be transferred and a target resource account corresponding to a target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred.
The target resource account may be a digital account or a non-digital account, and the non-digital account is an account opened by another server other than the processing server, and may include but is not limited to: bank accounts or internet payment accounts, etc.
Step 404, determining a corresponding first target digital account and a first target entity account according to the user identifier; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resources are digital form resources corresponding to the entity resources.
And 406, when the transfer type identifier is used for representing resource transfer-out and the type of the resource to be transferred is a non-entity resource, determining a target resource modification value corresponding to the first target digital account according to the amount of the resource to be transferred, and reducing the resource value corresponding to the first target digital account according to the target resource modification value.
Where the non-physical resources may be various legal currencies, e.g., RMB, USD, etc., or various tokens.
Specifically, the processing server determines whether the transfer type identifier is used for representing resource transfer-out according to the transfer type identifier, and determines whether the type of the resource to be transferred is an entity resource, when the transfer type identifier is used for representing resource transfer-out and the type of the resource to be transferred is a non-entity resource, because the type of the resource to be transferred is not the same as the type of the resource of the digital account, the processing server needs to convert the amount of the resource to be transferred corresponding to the type of the resource to be transferred according to the quantity conversion relationship between the type of the resource to be transferred and the type of the resource of the digital account to obtain a target resource modification value, and reduce the resource value corresponding to the first target digital account according to the target resource modification value.
Step 408, determining a corresponding first target server according to the first target entity account, and sending a first resource change request carrying the first target entity account, the transfer type identifier, and the resource data to be transferred to the first target server, where the first resource change request is used to instruct the first target server to reduce the resource value corresponding to the first target entity account according to the resource data to be transferred.
Specifically, since the transfer type identifier carried by the first resource change request is used to represent resource transfer-out, the first target server may reduce the resource value corresponding to the first target entity account after receiving the first resource change request sent by the processing server, and since the resource to be transferred is a non-entity resource, the first server needs to convert the resource amount to be transferred included in the resource data to be transferred according to a conversion relationship between the resource type to be transferred and the resource type of the digital account to obtain a target resource change value, where the target resource change value is used to measure the amount of the entity resource corresponding to the resource to be transferred, and the first target server further reduces the resource value corresponding to the first target digital account according to the target resource change value, and the reduced amount is equal to the target resource change value.
Step 410, judging whether the target resource account is a digital account, if so, entering step 412; if not, go to step 416.
And step 412, increasing the resource value corresponding to the target resource account according to the target resource change value.
It will be appreciated that when the transfer type identifier is used to characterize a resource transfer-out, then the resource value of the account corresponding to the target resource transfer user is increased as an opposite user to the user corresponding to the user identifier.
Specifically, when the target resource account is a digital account, since the target resource change value is an amount for measuring an entity resource corresponding to the resource to be transferred, and the resource type of the digital account is also an entity resource, the processing server may increase the resource value corresponding to the target resource account by an amount equal to the target resource change value.
Step 414, acquiring a third target entity account corresponding to the target resource transferring user, and sending a third resource change request carrying the third target entity account and the target resource change value to a third target server, where the third resource change request is used to instruct the third target server to increase the resource value corresponding to the third target entity account according to the target resource change value; the third target server is a server corresponding to the third target entity account.
Specifically, when the target resource account is a digital account, a corresponding third target entity account must exist, the processing server may send a third resource change request to a third server corresponding to the entity account, and after receiving the request, the server increases the resource value corresponding to the third target entity account by an amount equal to the target resource change value.
Step 416, determining a target resource increment value corresponding to the target resource account according to the resource type corresponding to the target resource account and the target resource modification value.
Step 418, sending a fourth resource change request carrying the target resource account and the target resource increment value to a fourth target server, wherein the fourth resource change request is used for indicating the fourth target server to increment the resource value corresponding to the target resource account according to the resource increment value; and the fourth target server is a server corresponding to the target resource account.
Specifically, when the target resource account is a non-digital account, the resource type corresponding to the target resource account is not necessarily an entity resource, and thus the target resource change value cannot measure the resource change amount corresponding to the target resource account, and the processing server may convert the target resource change value into the target resource increase value corresponding to the target resource account according to the conversion relationship between the resource type corresponding to the target resource account and the entity resource.
The processing server further sends a fourth resource change request to a fourth target server corresponding to the target resource account, and the fourth target server increases the resource value corresponding to the target resource account by the amount equal to the resource increase value after receiving the request.
The application also provides another application scenario, and the application scenario applies the resource data processing method of the embodiment. In the application scenario, the entity resource is gold, and the entity resource is as follows: the proportion mapping of 1 is digital assets, a user A is a customer, a user B and a user C are merchants, a digital account corresponding to the user A is an account A1, an entity account corresponding to the user A is an account A2, the user B is a merchant opening a digital account, a digital account corresponding to the user B is B1, a corresponding entity account is B2, the user C is a merchant not opening a digital account, the user C collects money through an account C1 opened in an XX bank, and the type of the French coin received by the account C1 is Thai coin.
The user A purchases a commodity with a price of X1 dollars from the user B, the user A can send a payment request to a processing server by clicking a 'payment' button of a terminal, the processing server converts X1 dollars into gold according to a real-time price of the gold to obtain that the gold weight to be paid by the user A is X2 grams, X2 grams of gold are reduced for a digital account A1 corresponding to the user A, the server corresponding to the account A2 is instructed to reduce X2 grams of gold for the account A2, the merchant B opens the digital account, X2 grams of gold can be added for the digital account B1 corresponding to the merchant B, and the server corresponding to the account B2 is instructed to add X2 grams of gold for the account B2, so that payment to the merchant B is realized.
User A purchases goods marked with price of Y1 dollar from user C, user A can send payment request to processing server by clicking 'pay' button of terminal, processing server converts Y1 dollar into gold according to real-time price of gold to obtain weight of Y2 grams of gold that user A needs to pay, reduces Y2 grams of gold for digital account A1 corresponding to user A, and instructs server corresponding to account A2 to reduce Y2 grams of gold for account A2, since merchant B does not open the digital account, processing server needs to convert Y2 grams of gold according to real-time price of gold into Y3 Thai, and instructs server corresponding to account C1 to add Y3 Thai to account C1, thereby realizing payment to merchant C.
In one embodiment, as shown in fig. 5, the resource data processing method further includes:
step 502, receiving a first resource conversion request sent by a terminal, wherein the first resource conversion request carries a user identifier, resource data to be converted, target conversion resource data and a conversion account; the resource data to be converted comprises the amount of the resource to be converted and the corresponding type of the resource to be converted; the target conversion resource data includes a target conversion resource amount.
Wherein, the resource conversion refers to the conversion between the entity resource of the user on one account and the non-entity resource of another account. The resource data to be converted refers to data related to resources to be converted, the resource data to be converted includes a resource amount to be converted and a corresponding resource type to be converted, the resource amount to be converted is used for representing the amount of the resources to be converted, the resource type to be converted refers to the resource type corresponding to the resources to be converted, the target conversion resource data refers to data related to the resources obtained after conversion, the target conversion resource data includes a target conversion resource amount and a corresponding target conversion resource type, the target conversion resource amount is used for representing the amount of the resources obtained after conversion, and the target conversion resource type refers to the type of the resources obtained after conversion. The conversion account refers to an account related to resource conversion, and it is understood that since the processing server can query the digital account and the entity account according to the user identification, the conversion account herein generally refers to an account other than the digital account and the entity account.
For example, if X grams of gold on the digital account 1 of the user a is to be converted into Y yuan of rmb on the bank account 2 of the user a, the amount of the resource to be converted is X, the type of the resource to be converted is gold (physical resource), the target amount of the conversion resource is Y, the target type of the conversion resource is rmb (non-physical resource), and the bank account 2 is the conversion account.
Specifically, a user may specify resource data to be converted, target conversion resource data, and a conversion account at a terminal, trigger generation of a first resource conversion request, and send the first resource conversion request to a processing server, where the processing server receives the request.
Fig. 5A is a schematic interface diagram illustrating an embodiment of a terminal triggering generation of a first resource conversion request. Referring to fig. 5A, a user firstly clicks a buy button on a balance display page of a digital asset wallet, fills a buy gold weight (target conversion resource data) and specifies a payment method (conversion account) in a next interface, clicks a buy confirmation button, confirms a money amount of a rmb to be paid (resource data to be converted) and inputs a payment password in the next interface, after the input is completed, a terminal triggers to generate a first resource conversion request and sends the first resource conversion request to a processing server, after the processing server completely processes the first resource conversion request, a processing result of successful purchase is returned to the terminal, and the terminal can display the processing result and update the balance of the digital asset in the balance display page of the digital asset wallet.
Step 504, when the type of the resource to be converted is a non-entity resource, determining a first target conversion entity account corresponding to the user identifier, and sending a first resource change request carrying the first target conversion entity account and the target conversion resource amount to a server corresponding to the first target conversion entity account, where the first resource change request is used to instruct the server corresponding to the first target conversion entity account to increase the resource value corresponding to the first target conversion entity account according to the target conversion resource amount.
Specifically, when the type of the resource to be converted is a non-entity resource, it indicates that the user corresponding to the user identifier wants to convert the non-entity resource into an entity resource. Then the resource value of the account (conversion account) corresponding to the non-entity resource is correspondingly decreased, while the resource value of the account corresponding to the entity resource is correspondingly increased, and the account corresponding to the entity resource includes a digital account and an entity account, that is, the resource value of the digital account corresponding to the user identifier and the resource value of the corresponding entity account are both correspondingly increased.
The processing server directly determines the entity account as a first target conversion entity account corresponding to the user identifier, and when the number of the entity accounts is more than one, the processing server selects one first target conversion entity account corresponding to the user identifier from the entity accounts. It is to be understood that the first target conversion entity account herein refers to an entity account involved in resource conversion.
In one embodiment, determining the first target conversion entity account corresponding to the user identifier comprises: determining a corresponding target resource numerical value interval according to the target conversion resource amount; and determining a corresponding entity account type according to the target resource numerical value interval, and determining a first target conversion entity account from a plurality of entity accounts corresponding to the user identification according to the entity account type.
Specifically, when the user identifier corresponds to a plurality of entity accounts, the entity accounts often correspond to different entity account types, and for some entity account types, the target conversion resource amount has a certain requirement, for example, when the entity resource is gold, and the entity account type is a gold account of a fund exchange, the target conversion resource amount must be greater than 50 grams. Taking entity resources as gold as an example, the method can be divided according to the following table 1:
TABLE 1
Figure GDA0002945355890000151
After receiving the first resource conversion request, the processing server may determine a corresponding target resource numerical interval according to a target conversion resource amount carried in the first resource conversion request, determine a corresponding entity account type according to the target resource numerical interval, and select an entity account corresponding to the entity account type as a first target conversion entity account from a plurality of entity accounts corresponding to the user identifier.
Step 506, the resource value corresponding to the first target digital account is increased according to the target conversion resource amount.
Specifically, the processing server may determine, according to the target conversion resource amount and the mapping ratio between the entity resource corresponding to the first target conversion entity account and the digital resource corresponding to the first target digital account, a resource increment amount corresponding to the first target digital account, and increase, by a value equal to the resource increment amount, the resource value corresponding to the first target digital account.
In one embodiment, if the mapping ratio between the entity resource corresponding to the first target conversion entity account and the digital resource corresponding to the first target digital account is 1:1, the target conversion resource amount is directly determined as the resource increment amount corresponding to the first target digital account.
And step 508, determining a corresponding target resource conversion server according to the conversion account, and sending a second resource change request carrying the resource amount to be converted and the conversion account to the target resource conversion server, where the second resource change request is used to instruct the target resource conversion server to reduce the resource value of the conversion account according to the resource amount to be converted.
And the target resource conversion server corresponding to the conversion account refers to a server for opening the conversion account. In this embodiment, after receiving the second resource change request, the target resource conversion server reduces the resource value of the conversion account by a value equal to the amount of the resource to be converted, thereby implementing conversion of the non-entity resource of the conversion account into the entity resource.
In the following, taking an entity resource as gold as an example, an application scenario of steps 502 to 508 in this embodiment is illustrated, in which the entity resource is mapped as a digital resource according to a ratio of 1:1, and it is assumed that user a needs to exchange X1 yuan (non-entity resource) of his bank account 1 into X2 g of gold (entity resource) of his digital account 2, that is, user a purchases X2 g of gold digital asset with X1 yuan of rmb. The processing server firstly determines a target entity account 3 of a user A, instructs a server corresponding to the entity account to add X2 grams of gold to the target entity account 3, and since the gold of the entity account is mapped into digital resources according to 1:1, the processing server can also add X2 grams of gold to a digital account 2, and further instructs a server corresponding to a bank account 1 to reduce X1 yuan RMB to the bank account 1, thereby realizing the exchange of RMB into gold digital assets.
It is understood that, in this embodiment, the processing server may also perform step 508 first, and then perform step 502 and 506 after receiving the feedback information that the resource reduction for the conversion account is successful, which is sent by the target resource conversion server.
In this embodiment, after receiving the first resource conversion request, the processing server may convert the non-entity resource of the user into the entity resource, so as to ensure that the user has enough entity resource to perform resource transfer, thereby further improving the reliability of resource transfer.
In one embodiment, after receiving the first resource conversion request sent by the terminal, the resource data processing method further includes: when the type of the resource to be converted is an entity resource, determining a second target conversion entity account corresponding to the user identifier, and sending a third resource change request carrying the second target conversion entity account and the resource amount to be converted to a server corresponding to the second target conversion entity account, wherein the third resource change request is used for indicating the server corresponding to the second target conversion entity account to reduce the resource value corresponding to the second target conversion entity account according to the resource amount to be converted; reducing the resource value corresponding to the first target digital account according to the resource amount to be converted; and sending a fourth resource change request carrying the target conversion resource amount and the conversion account to the target resource conversion server, wherein the fourth resource change request is used for indicating the target resource conversion server to increase the resource value of the conversion account according to the target conversion resource amount.
Specifically, when the type of the resource to be converted is an entity resource, it indicates that the user corresponding to the user identifier wants to convert the entity resource into a non-entity resource. The resource value of the account corresponding to the entity resource is correspondingly decreased, while the resource value of the account corresponding to the non-entity resource is correspondingly increased, and the account corresponding to the entity resource includes a digital account and an entity account, that is, the resource value of the digital account corresponding to the user identifier and the resource data of the entity account are both correspondingly decreased. Based on this, after determining the second target conversion entity account corresponding to the user identifier, the processing server may send a third resource change request to instruct the server corresponding to the entity account to reduce the resource value corresponding to the entity account by a value equal to the amount of the resource to be converted, and at the same time, the processing server reduces the resource value corresponding to the first target digital account by a value equal to the amount of the resource to be converted, thereby achieving synchronous reduction of the entity account and the digital account. It is to be understood that the second target conversion entity account herein refers to an entity account involved in resource conversion.
Further, the processing server sends a fourth resource change request to indicate that the target resource conversion server increases the resource value of the conversion account by a value equal to the target conversion resource amount.
In an embodiment, when the user identifier corresponds to a plurality of entity accounts, the priority of each entity account may be preset, and the processing server determines the second target conversion entity account according to the priority, specifically, starting from the entity account with the highest priority, and when the resource value of the entity account corresponding to the current priority is smaller than the resource amount to be converted, determining the next priority as the current priority until the resource value of the entity account corresponding to the current priority is larger than the resource amount to be converted.
In one embodiment, the resource data processing method further includes: receiving a second resource conversion request sent by the terminal, wherein the second resource conversion request carries a user identifier, target conversion resource data and a resource source identifier to be converted; sending a query request carrying a user identifier to a server corresponding to the resource source identifier to be converted, wherein the query request is used for indicating the server corresponding to the resource source identifier to be converted to query corresponding resource data to be converted according to the user identifier and returning the queried resource data to be converted; and when the resource data to be converted meet the preset conditions according to the target conversion resource data, increasing the resource value of the first target digital account according to the target conversion resource data.
The resource source identifier to be converted is used for identifying a source of the resource to be converted, and the resource source identifier to be converted may be a name of a third-party legal financial institution. The target conversion resource data refers to data related to digital resources to be obtained after conversion, and includes a target conversion resource amount and a corresponding entity resource type, for example, the target conversion resource data may be 50g of gold (digital resources), where 50 is the target conversion resource amount and gold is a specific entity resource type. The resource data to be converted refers to data related to the entity resource to be converted, and includes the amount of the resource to be converted and the corresponding type of the entity resource.
The resource data to be converted meets the preset condition, that is, the entity resource type corresponding to the resource data to be converted is the same as the entity resource type corresponding to the target conversion resource data, and the quantity of the digital resources obtained after the entity resources corresponding to the resource data to be converted are mapped into the digital resources according to the preset proportion exceeds the target conversion resource quantity contained in the target conversion resource data. For example, suppose that the entity resource is mapped into a digital resource according to a ratio of 1:1, the target conversion resource data is 50g of gold, if the resource data to be converted is 50g of silver, the resource data to be converted obviously does not satisfy the preset condition, and if the resource data to be converted is more than 50g of gold, the resource data to be converted satisfies the preset condition.
Specifically, after receiving a second resource conversion request sent by the terminal, the processing server needs to perform digital mapping on the entity resource to obtain a corresponding digital resource through conversion, and then the processing server needs to query resource data to be converted, corresponding to a user identifier carried in the second resource conversion request, from a server corresponding to a resource source identifier to be converted, and judge whether the resource data to be converted meets a preset condition according to target conversion resource data, if so, conversion can be performed, and the processing server increases a resource numerical value of the first target digital account by an amount equal to a target conversion resource amount contained in the target conversion resource data; and if not, sending feedback information of the conversion failure to the terminal.
In this embodiment, when the processing server receives the second resource conversion request sent by the terminal, by querying the corresponding to-be-converted resource data, and when it is determined that the to-be-converted resource data meets the preset condition according to the target converted resource data, the resource value of the first target digital account is increased according to the target converted resource data, so that the entity resource can be conveniently and quickly converted into the digital resource.
In one embodiment, the resource data processing method further includes: receiving a first resource extraction request sent by a terminal, wherein the first resource extraction request carries a user identifier and resource extraction data; determining a target extraction digital account and a target extraction entity account corresponding to the user identifier; reducing the resource value corresponding to the target extraction digital account according to the resource extraction data; and sending a second resource extraction request carrying the resource extraction data and the target extraction entity account to a server corresponding to the target extraction entity account, wherein the second resource extraction request is used for indicating the server corresponding to the target extraction entity account to reduce the resource value corresponding to the target extraction entity account according to the resource extraction data.
Wherein resource extraction refers to a process of extracting an entity resource from an account of a user. The resource extraction data refers to data related to the entity resource to be extracted, and the resource extraction data may include an amount of the entity resource to be extracted and a type of the entity resource to be extracted, for example, if the user wants to extract gold from 10g, the amount of the entity resource to be extracted is 10, and the type of the entity resource to be extracted is gold.
In this embodiment, the accounts of the user include a digital account and an entity account, and resources need to be extracted from the two accounts at the same time. Based on this, after receiving the first resource extraction request sent by the terminal, the processing server may reduce the resource numerical value corresponding to the target extraction digital account by the same amount based on the to-be-extracted entity resource amount corresponding to the resource extraction data carried in the request, then generate a second resource extraction request according to the resource extraction data and the target extraction entity account and send the second resource extraction request to the server corresponding to the target extraction entity account, and after receiving the second resource extraction request, the processing server reduces the resource numerical value corresponding to the target extraction entity account by an amount equal to the to-be-extracted entity resource amount. It is understood that the target drawing digital account refers to a digital account requiring drawing of a resource, and the target drawing entity account refers to an entity account requiring drawing of a resource.
It will be appreciated that when the resource is successfully extracted, the user obtains the actual physical resource in stock. For example, if the resource that the user wants to extract is gold, the user will obtain a gold entity after the first resource extraction request is successfully processed, and the gold entity can be obtained by the user in a courier or on-site extraction mode.
In one embodiment, after sending the first resource change request carrying the first target entity account, the transfer type identifier, and the resource data to be transferred to the first target server, the method further includes: acquiring a resource change record corresponding to a first target entity account; writing the resource change record corresponding to the first target entity account into a block chain network, wherein the block chain network is used for updating the current resource certificate information corresponding to the first target entity account according to the resource change record; when a resource query request carrying a user identifier sent by a terminal is received, querying corresponding current resource credential information from a block chain network according to the user identifier; and returning the inquired current resource credential information to the terminal.
For example, if the original resource value before the change of the first target entity account is 50, the change type is a resource reduction, and the changed resource amount is 10, the resource change record corresponding to the first target entity account includes "original resource value 50 resource reduction by 10". Current resource credential information refers to a credential of a balance of a physical resource held by a user at a third-party legal financial institution.
In this embodiment, the processing server and the server corresponding to the third-party legal financial institution respectively form a block chain node, and after the block chain nodes are connected, a block chain network is formed, as shown in fig. 6, which is a schematic topological structure diagram of the block chain network. And each block link point performs data synchronization through a consensus protocol. The network formed by the chain nodes of each block is a P2P network, the processing server and all the common knowledge nodes of other third-party legal financial institutions are deployed in a full connection mode (namely, each node has a direct connection with each other node), and all the connections need to be special line connections. It is to be understood that the illustration in fig. 6 is merely a schematic diagram of a blockchain network and is not intended to limit the number of nodes of the blockchain network.
Specifically, after the first target server successfully changes the first target entity account, feedback information of successful changes is returned to the processing server, and the feedback information carries a resource change record corresponding to the first target entity account, the processing server can obtain the resource change record corresponding to the first target entity account by analyzing the feedback information, after the resource change record is obtained, the processing server writes the resource change record into the block chain network, after the resource change record is agreed by each block chain node in the block chain network, the current resource value of the first target entity account is changed according to the change type and the changed resource amount, the remaining resource value is obtained, and current resource credential information is generated according to the remaining resource value. The processing server receives a resource query request of the terminal for the current resource credential information, can query the current resource credential information from the blockchain network, and returns the current resource credential information to the terminal for the terminal user to view.
As shown in fig. 7, in an embodiment, a logic diagram is deployed in a processing server, in the embodiment, the processing server is implemented by a server cluster, at least one server is used as a processing server node in a blockchain node to access a blockchain network, a blockchain ticket platform can be set up on other servers, a resource change record obtained through the platform passes through a data write service and a firewall and is then transmitted to the server used as the blockchain node, and the server writes the resource change record into the blockchain network. When data query is carried out, a resource query request of a user is received by the block chain ticket platform, and current resource credential information is read from the block chain network after data reading service and a firewall are passed.
In the embodiment, as the current resource voucher information is stored in the block chain network, the current resource voucher information can be prevented from being tampered, the authenticity and the effectiveness of resource transfer are ensured, and the reliability of resource transfer is further improved.
It should be understood that although the various steps in the flow charts of fig. 2-5 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-5 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed in turn or alternately with other steps or at least some of the other steps.
In one embodiment, as shown in fig. 8, there is provided a resource data processing apparatus 800, which may be a part of a computer device using a software module or a hardware module, or a combination of the two, and specifically includes:
a receiving module 802, configured to receive a first resource transfer request sent by a terminal, where the first resource transfer request carries a user identifier, a transfer type identifier, and resource data to be transferred;
an account determination module 804, configured to determine a corresponding first target digital account and a first target entity account according to the user identifier; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resources are digital form resources corresponding to the entity resources;
a changing module 806, configured to change a resource value corresponding to the first target digital account according to the to-be-transferred resource data and the transfer type identifier;
the sending module 808 is configured to determine a corresponding first target server according to the first target entity account, and send a first resource change request carrying the first target entity account, the transfer type identifier, and the resource data to be transferred to the first target server, where the first resource change request is used to instruct the first target server to change the resource value corresponding to the first target entity account according to the transfer type identifier and the resource data to be transferred.
In one embodiment, the first resource transfer request further carries a second target digital account corresponding to the target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred; when the transfer type identifier is used for representing resource transfer-out, the change module is further used for reducing the resource numerical value corresponding to the first target digital account according to the amount of the resource to be transferred and increasing the resource numerical value corresponding to the second target digital account when the type of the resource to be transferred is an entity resource; the first resource change request is used for indicating the first target server to reduce the resource value corresponding to the first target entity account according to the transferred resource amount; the device still includes: the first change request sending module is used for acquiring a second target entity account corresponding to the target resource transfer user and sending a second resource change request carrying the second target entity account and the resource data to be transferred to a second target server, wherein the second resource change request is used for indicating the second target server to increase the resource numerical value corresponding to the second entity account according to the resource quantity to be transferred; the second target server is a server corresponding to the second target entity account.
In one embodiment, the first resource transfer request further carries a target resource account corresponding to the target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred; when the transfer type identifier is used for representing resource transfer-out, the change module is also used for determining a target resource change value corresponding to the first target digital account according to the amount of the resource to be transferred when the type of the resource to be transferred is a non-entity resource, and reducing the resource value corresponding to the first target digital account according to the target resource change value; the first resource change request is used for indicating the first target server to reduce the resource value corresponding to the first target entity account according to the resource data to be transferred; the device still includes: the second change request sending module is used for increasing the resource value corresponding to the target resource account according to the target resource change value when the target resource account is the digital account; acquiring a third target entity account corresponding to the target resource transferring user, and sending a third resource change request carrying the third target entity account and a target resource change value to a third target server, wherein the third resource change request is used for indicating the third target server to increase a resource value corresponding to the third target entity account according to the target resource change value; the third target server is a server corresponding to the third target entity account.
In one embodiment, the second change request sending module is further configured to determine, when the target resource account is a non-digital account, a target resource increase value corresponding to the target resource account according to the resource type corresponding to the target resource account and the target resource change value; sending a fourth resource change request carrying a target resource account and a target resource increment value to a fourth target server, wherein the fourth resource change request is used for indicating the fourth target server to increase the resource value corresponding to the target resource account according to the resource increment value; and the fourth target server is a server corresponding to the target resource account.
In one embodiment, the resource data processing apparatus further comprises: the first resource conversion module is used for receiving a first resource conversion request sent by the terminal, wherein the first resource conversion request carries a user identifier, resource data to be converted, target conversion resource data and a conversion account; the resource data to be converted comprises the amount of the resource to be converted and the corresponding type of the resource to be converted; the target conversion resource data includes a target conversion resource amount; when the type of the resource to be converted is a non-entity resource, determining a first target conversion entity account corresponding to the user identifier, and sending a first resource change request carrying the first target conversion entity account and the target conversion resource amount to a server corresponding to the first target conversion entity account, wherein the first resource change request is used for indicating the server corresponding to the first target conversion entity account to increase the resource numerical value corresponding to the first target conversion entity account according to the target conversion resource amount; increasing the resource value corresponding to the first target digital account according to the target conversion resource amount; and determining a corresponding target resource conversion server according to the conversion account, and sending a second resource change request carrying the resource amount to be converted and the conversion account to the target resource conversion server, wherein the second resource change request is used for indicating the target resource conversion server to reduce the resource value of the conversion account according to the resource amount to be converted.
In one embodiment, the first resource conversion module is further configured to determine a corresponding target resource value interval according to the target conversion resource amount; and determining a corresponding entity account type according to the target resource numerical value interval, and determining a first target conversion entity account from a plurality of entity accounts corresponding to the user identification according to the entity account type.
In one embodiment, the first resource conversion module is further configured to, when the type of the resource to be converted is an entity resource, determine a second target conversion entity account corresponding to the user identifier, and send a third resource change request carrying the second target conversion entity account and the resource amount to be converted to a server corresponding to the second target conversion entity account, where the third resource change request is used to instruct the server corresponding to the second target conversion entity account to reduce the resource value corresponding to the second target conversion entity account according to the resource amount to be converted; reducing the resource value corresponding to the first target digital account according to the resource amount to be converted; and sending a fourth resource change request carrying the target conversion resource amount and the conversion account to the target resource conversion server, wherein the fourth resource change request is used for indicating the target resource conversion server to increase the resource value of the conversion account according to the target conversion resource amount.
In one embodiment, the resource data processing apparatus further comprises: the second resource conversion module is used for receiving a second resource conversion request sent by the terminal, wherein the second resource conversion request carries the user identifier, the target conversion resource data and the resource source identifier to be converted; sending a query request carrying a user identifier to a server corresponding to the resource source identifier to be converted, wherein the query request is used for indicating the server corresponding to the resource source identifier to be converted to query corresponding resource data to be converted according to the user identifier and returning the queried resource data to be converted; and when the resource data to be converted meet the preset conditions according to the target conversion resource data, increasing the resource value of the first target digital account according to the target conversion resource data.
In one embodiment, the resource data processing apparatus further comprises: the resource extraction module is used for receiving a first resource extraction request sent by the terminal, wherein the first resource extraction request carries a user identifier and resource extraction data; determining a target extraction digital account and a target extraction entity account corresponding to the user identifier; reducing the resource value corresponding to the target extraction digital account according to the resource extraction data; and sending a second resource extraction request carrying the resource extraction data and the target extraction entity account to a server corresponding to the target extraction entity account, wherein the second resource extraction request is used for indicating the server corresponding to the target extraction entity account to reduce the resource value corresponding to the target extraction entity account according to the resource extraction data.
In one embodiment, the resource data processing apparatus further comprises: the resource voucher viewing module is used for acquiring a resource change record corresponding to the first target entity account; writing the resource change record corresponding to the first target entity account into a block chain network, wherein the block chain network is used for updating the current resource certificate information corresponding to the first target entity account according to the resource change record; when a resource query request carrying a user identifier sent by a terminal is received, querying corresponding current resource credential information from a block chain network according to the user identifier; and returning the inquired current resource credential information to the terminal.
In one embodiment, the physical resource is gold.
For specific limitations of the resource data processing apparatus, reference may be made to the above limitations of the resource data processing method, which are not described herein again. The respective modules in the resource data processing apparatus may be wholly or partially implemented by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a processing server, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing data such as digital accounts and entity accounts. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a resource data processing method.
Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.
In an embodiment, a computer-readable storage medium is provided, in which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims (15)

1. A resource data processing method, comprising:
receiving a first resource transfer request sent by a terminal, wherein the first resource transfer request carries a user identifier, a transfer type identifier and resource data to be transferred;
determining a corresponding first target digital account and a first target entity account according to the user identification; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resource is a digital form resource corresponding to the entity resource; the entity resource is a resource existing in a physical form;
changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier;
determining a corresponding first target server according to the first target entity account, and sending a first resource change request carrying the first target entity account, the transfer type identifier and the resource data to be transferred to the first target server, where the first resource change request is used to instruct the first target server to change a resource value corresponding to the first target entity account according to the transfer type identifier and the resource data to be transferred.
2. The method of claim 1, wherein the first resource transfer request further carries a second target digital account corresponding to a target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred; when the transfer type identifier is used for representing resource transfer-out, the changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier comprises:
when the type of the resource to be transferred is an entity resource, reducing the resource numerical value corresponding to the first target digital account according to the amount of the resource to be transferred, and increasing the resource numerical value corresponding to the second target digital account;
the first resource change request is used for indicating the first target server to reduce the resource numerical value corresponding to the first target entity account according to the transferred resource amount;
after the resource value corresponding to the first target digital account is reduced according to the amount of the resource to be transferred, the method further includes:
acquiring a second target entity account corresponding to the target resource transfer user, and sending a second resource change request carrying the second target entity account and the resource data to be transferred to a second target server, wherein the second resource change request is used for indicating the second target server to increase a resource numerical value corresponding to the second target entity account according to the resource quantity to be transferred; the second target server is a server corresponding to the second target entity account.
3. The method according to claim 1, wherein the first resource transfer request further carries a target resource account corresponding to a target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred; when the transfer type identifier is used for representing resource transfer-out, the changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier comprises:
when the type of the resource to be transferred is a non-entity resource, determining a target resource change value corresponding to the first target digital account according to the amount of the resource to be transferred, and reducing a resource value corresponding to the first target digital account according to the target resource change value;
the first resource change request is used for indicating the first target server to reduce the resource value corresponding to the first target entity account according to the resource data to be transferred;
after the reducing the resource value corresponding to the first target digital account according to the target resource change value, the method further includes:
when the target resource account is a digital account, increasing the resource value corresponding to the target resource account according to the target resource change value;
acquiring a third target entity account corresponding to the target resource transfer user, and sending a third resource change request carrying the third target entity account and the target resource change value to a third target server, wherein the third resource change request is used for indicating the third target server to increase a resource numerical value corresponding to the third target entity account according to the target resource change value; the third target server is a server corresponding to the third target entity account.
4. The method of claim 3, wherein after the reducing the resource value corresponding to the first target digital account according to the target resource change value, the method further comprises:
when the target resource account is a non-digital account, determining a target resource added value corresponding to the target resource account according to the resource type corresponding to the target resource account and the target resource change value;
sending a fourth resource change request carrying the target resource account and the target resource increment value to a fourth target server, wherein the fourth resource change request is used for indicating the fourth target server to increase the resource value corresponding to the target resource account according to the resource increment value; the fourth target server is a server corresponding to the target resource account.
5. The method of claim 1, further comprising:
receiving a first resource conversion request sent by a terminal, wherein the first resource conversion request carries the user identification, resource data to be converted, target conversion resource data and a conversion account; the resource data to be converted comprises the resource amount to be converted and the corresponding resource type to be converted; the target conversion resource data comprises a target conversion resource amount;
when the type of the resource to be converted is a non-entity resource, determining a first target conversion entity account corresponding to the user identifier, and sending a first resource change request carrying the first target conversion entity account and the target conversion resource amount to a server corresponding to the first target conversion entity account, wherein the first resource change request is used for indicating the server corresponding to the first target conversion entity account to increase a resource numerical value corresponding to the first target conversion entity account according to the target conversion resource amount;
increasing the resource numerical value corresponding to the first target digital account according to the target conversion resource amount;
and determining a corresponding target resource conversion server according to the conversion account, and sending a second resource change request carrying the resource amount to be converted and the conversion account to the target resource conversion server, wherein the second resource change request is used for indicating the target resource conversion server to reduce the resource value of the conversion account according to the resource amount to be converted.
6. The method of claim 5, wherein the determining the first target conversion entity account corresponding to the user identifier comprises:
determining a corresponding target resource numerical value interval according to the target conversion resource amount;
and determining a corresponding entity account type according to the target resource numerical value interval, and determining a first target conversion entity account from a plurality of entity accounts corresponding to the user identification according to the entity account type.
7. The method of claim 5, wherein after receiving the first resource switching request sent by the terminal, the method further comprises:
when the type of the resource to be converted is an entity resource, determining a second target conversion entity account corresponding to the user identifier, and sending a third resource change request carrying the second target conversion entity account and the resource amount to be converted to a server corresponding to the second target conversion entity account, where the third resource change request is used to instruct the server corresponding to the second target conversion entity account to reduce the resource value corresponding to the second target conversion entity account according to the resource amount to be converted;
reducing the resource numerical value corresponding to the first target digital account according to the resource amount to be converted;
and sending a fourth resource change request carrying the target conversion resource amount and the conversion account to the target resource conversion server, wherein the fourth resource change request is used for indicating the target resource conversion server to increase the resource value of the conversion account according to the target conversion resource amount.
8. The method of claim 1, further comprising:
receiving a second resource conversion request sent by the terminal, wherein the second resource conversion request carries the user identifier, the target conversion resource data and the identifier of the resource source to be converted;
sending a query request carrying the user identifier to a server corresponding to the resource source identifier to be converted, wherein the query request is used for indicating the server corresponding to the resource source identifier to be converted to query corresponding resource data to be converted according to the user identifier and returning the queried resource data to be converted;
and when the resource data to be converted meet the preset conditions according to the target conversion resource data, increasing the resource numerical value of the first target digital account according to the target conversion resource data.
9. The method of claim 1, further comprising:
receiving a first resource extraction request sent by a terminal, wherein the first resource extraction request carries the user identification and resource extraction data;
determining a target extraction digital account and a target extraction entity account corresponding to the user identification;
reducing the resource value corresponding to the target extraction digital account according to the resource extraction data;
and sending a second resource extraction request carrying the resource extraction data and the target extraction entity account to a server corresponding to the target extraction entity account, wherein the second resource extraction request is used for indicating the server corresponding to the target extraction entity account to reduce the resource value corresponding to the target extraction entity account according to the resource extraction data.
10. The method of claim 1, wherein after the sending the first resource change request carrying the first target entity account, the transfer type identifier, and the resource data to be transferred to the first target server, the method further comprises:
acquiring a resource change record corresponding to the first target entity account;
writing the resource change record corresponding to the first target entity account into a block chain network, wherein the block chain network is used for updating the current resource credential information corresponding to the first target entity account according to the resource change record;
when a resource query request carrying the user identification and sent by a terminal is received, querying corresponding current resource credential information from the block chain network according to the user identification;
and returning the inquired current resource credential information to the terminal.
11. The method of any one of claims 1 to 10, wherein the physical resource is gold.
12. An apparatus for resource data processing, the apparatus comprising:
the system comprises a receiving module, a resource allocation module and a resource allocation module, wherein the receiving module is used for receiving a first resource allocation request sent by a terminal, and the first resource allocation request carries a user identifier, an allocation type identifier and resource data to be allocated;
the account determining module is used for determining a corresponding first target digital account and a corresponding first target entity account according to the user identification; the first target entity account is an account corresponding to the entity resource corresponding to the user identifier; the first target digital account is an account corresponding to the digital resource corresponding to the user identifier; the digital resource is a digital form resource corresponding to the entity resource; the entity resource is a resource existing in a physical form;
the changing module is used for changing the resource value corresponding to the first target digital account according to the resource data to be transferred and the transfer type identifier;
a sending module, configured to determine a corresponding first target server according to the first target entity account, and send a first resource change request carrying the first target entity account, the transfer type identifier, and the to-be-transferred resource data to the first target server, where the first resource change request is used to instruct the first target server to change a resource value corresponding to the first target entity account according to the transfer type identifier and the to-be-transferred resource data.
13. The apparatus of claim 12, wherein the first resource transfer request further carries a second target digital account corresponding to a target resource transfer user; the resource data to be transferred comprises the amount of the resource to be transferred and the corresponding type of the resource to be transferred; when the transfer type identifier is used for representing resource transfer-out, the change module is further configured to reduce the resource value corresponding to the first target digital account according to the amount of the resource to be transferred and increase the resource value corresponding to the second target digital account when the type of the resource to be transferred is an entity resource; the first resource change request is used for indicating the first target server to reduce the resource numerical value corresponding to the first target entity account according to the transferred resource amount; the device further comprises:
a first change request sending module, configured to obtain a second target entity account corresponding to the target resource transfer user, and send a second resource change request carrying the second target entity account and the to-be-transferred resource data to a second target server, where the second resource change request is used to instruct the second target server to increase a resource value corresponding to the second target entity account according to the to-be-transferred resource amount; the second target server is a server corresponding to the second target entity account.
14. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor realizes the steps of the method of any one of claims 1 to 11 when executing the computer program.
15. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 11.
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