CN116128622A

CN116128622A - Virtual resource processing method and device, storage medium and electronic device

Info

Publication number: CN116128622A
Application number: CN202310034280.7A
Authority: CN
Inventors: 宋晓璐; 陈荣建
Original assignee: Industrial Consumer Finance Co Ltd
Current assignee: Industrial Consumer Finance Co Ltd
Priority date: 2023-01-10
Filing date: 2023-01-10
Publication date: 2023-05-16

Abstract

The application discloses a virtual resource processing method and device, a storage medium and an electronic device, wherein the method comprises the following steps: obtaining a virtual resource extraction request of a target object, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, and the virtual resources of the first resource amount are the resource amounts of the virtual resources transferred to the target object by the target object request in a resource exchange service; extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to a target object and is used for bearing virtual resources published in a digital format; generating a first resource exchange contract matched with a resource exchange service under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed; and under the condition that the subscription confirmation of the target object is acquired, transferring the virtual resource of the first resource quantity to the first resource carrier.

Description

Virtual resource processing method and device, storage medium and electronic device

Technical Field

The present invention relates to the field of the internet, and in particular, to a method and an apparatus for processing virtual resources, a storage medium, and an electronic device.

Background

Currently, when a user exchanges a resource with a resource provider (e.g., a loan agency) as a virtual resource, it is generally necessary to provide a personal account opened by a third party agency (e.g., a bank) through which the requested virtual resource can be transferred in and out. When the virtual resource exchange is carried out with the resource provider, the success rate of the virtual resource exchange is lower due to the influence of whether the third party mechanism to which the personal account belongs supports the collection of the virtual resource and the collection limit supported by the third party mechanism.

As can be seen from the above, the processing method of the virtual resource in the related art has a problem of low success rate of virtual resource exchange due to service limitation of the third party mechanism.

Disclosure of Invention

The embodiment of the application provides a virtual resource processing method and device, a storage medium and an electronic device, which are used for at least solving the problem that the success rate of virtual resource exchange is low due to the service limitation of a third party mechanism in a virtual resource processing mode in the related technology.

According to an aspect of the embodiments of the present application, there is provided a method for processing a virtual resource, including: obtaining a virtual resource extraction request of a target object, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, the virtual resources of the first resource amount are resource amounts of virtual resources transferred to the target object in a resource exchange service; extracting first resource carrier information and a first object identifier from the virtual resource extraction request in response to the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to the target object and is used for bearing virtual resources issued in a digital format; generating a first resource exchange contract matched with the resource exchange service under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed, and carrying out subscription confirmation through interaction with the terminal equipment of the target object; and under the condition that the subscription confirmation of the target object is acquired, transferring the virtual resource of the first resource quantity to the first resource carrier.

According to another aspect of the embodiments of the present application, there is also provided a processing apparatus for a virtual resource, including: a first obtaining unit, configured to obtain a virtual resource extraction request of a target object, where the virtual resource extraction request is used to request to extract a virtual resource of a first resource amount, where the virtual resource of the first resource amount is a resource amount of a virtual resource transferred to the target object by the target object request in a resource exchange service; the first extraction unit is used for responding to the virtual resource extraction request, extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to the target object and is used for bearing virtual resources issued in a digital format; the first execution unit is used for generating a first resource exchange contract matched with the resource exchange service and carrying out subscription confirmation through interaction with terminal equipment of the target object under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed; and the second execution unit is used for transferring the virtual resource of the first resource amount to the first resource carrier under the condition that the subscription confirmation of the target object is acquired.

In an exemplary embodiment, the apparatus further comprises: the first determining unit is used for matching the first object identifier with the preset object identifier after the first resource carrier information and the first object identifier are extracted from the virtual resource extraction request, and determining whether the first object identifier is consistent with the preset object identifier or not; the second acquisition unit is used for acquiring resource carrier information bound with target certificate information under the condition that the first object identifier is consistent with the preset object identifier of the target object, wherein the first object identifier comprises the target certificate information, and the target certificate information is the certificate information of the preset certificate of the target object; the authentication unit is used for authenticating the first resource carrier information by using the preset resource carrier information under the condition that the preset resource carrier information bound with the target certificate information is acquired; a second determining unit, configured to determine that authentication of the first resource carrier information passes, when the preset resource carrier information is consistent with the first resource carrier information; and a third determining unit, configured to determine that the authentication on the first resource carrier information is not passed when the preset resource carrier information is inconsistent with the first resource carrier information.

In an exemplary embodiment, the first execution unit includes: the sending module is used for sending first verification information to the terminal equipment of the target object, wherein the first verification information is used for verifying whether the signed object is the target object or not; the determining module is used for determining to acquire the signing confirmation of the target object under the condition that the second verification information sent by the target client is acquired within the preset time and the first verification information is consistent with the second verification information, wherein the target client is the client for sending the virtual resource extraction request.

In an exemplary embodiment, the apparatus further comprises: and the third execution unit is used for transferring the virtual resource of the first resource amount into the first resource carrier, and then transferring the virtual resource of the second resource amount from the first resource carrier according to a preset resource transfer-out period, wherein the second resource amount is matched with the carrier type of the first resource carrier, and the second resource amount is the resource amount of the virtual resource required to be transferred from the first resource carrier in each resource transfer-out period in the resource exchange service.

In an exemplary embodiment, the apparatus further comprises: and the fourth execution unit is used for transferring out the virtual resource of the second resource amount from the resource account which is bound by the target object and corresponds to the preset third party mechanism under the condition that the transfer-out of the virtual resource of the second resource amount fails after transferring out the virtual resource of the second resource amount from the first resource carrier according to the preset resource transfer-out period.

In an exemplary embodiment, the apparatus further comprises: a third obtaining unit, configured to obtain an information update request of the target object after the transferring the virtual resource of the first resource amount to the first resource carrier, where the information update request is used to request updating of resource carrier information corresponding to the first resource exchange contract; a second extracting unit, configured to extract, in response to the information update request, second resource carrier information and a second object identifier from the information update request, where the second resource carrier information is used to identify a second resource carrier that corresponds to the target object and is used to carry a virtual resource published in a digital format; a fifth execution unit, configured to generate a second resource exchange contract that matches the resource exchange service when the second object identifier is consistent with the preset object identifier and the authentication of the first resource carrier information passes, and perform subscription confirmation by interacting with a terminal device of the target object; and the fourth determining unit is used for determining that the second resource exchange contract signing is successful under the condition that the signing confirmation of the target object is acquired.

In an exemplary embodiment, the apparatus further comprises: a fourth obtaining unit, configured to obtain a resource transfer-out request of the first resource bearer, where the resource transfer-out request is used to request, for a target resource transfer-out service, to transfer out a virtual resource of a third resource amount corresponding to the resource exchange service in the first resource bearer; a sixth execution unit, configured to allow the virtual resource of the third resource amount to be rolled out when the target resource rolling-out service belongs to a preset group of resource rolling-out services; and a seventh execution unit, configured to not allow the virtual resource of the third resource amount to be rolled out when the target resource rolling-out service does not belong to a preset group of resource rolling-out services.

According to yet another aspect of the embodiments of the present application, there is also provided a computer-readable storage medium having a computer program stored therein, wherein the computer program is configured to execute the above-described processing method of virtual resources when running.

According to still another aspect of the embodiments of the present application, there is further provided an electronic device, including a memory, a processor, and a computer program stored on the memory and capable of running on the processor, where the processor executes the above-mentioned virtual resource processing method by using the computer program.

In the embodiment of the application, a mode of carrying out virtual resource interaction by using a resource carrier (for example, a digital RMB wallet) for bearing virtual resources issued in a digital format instead of a personal account of a preset third party mechanism is adopted, and a virtual resource extraction request of a target object is obtained, wherein the virtual resource extraction request is used for requesting to extract virtual resources with a first resource amount, the virtual resources with the first resource amount are the resource amount of the virtual resources transferred to the target object in a resource exchange service, and the target object requests the virtual resources with the first resource amount; responding to the virtual resource extraction request, extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to a target object and is used for bearing virtual resources issued in a digital format; under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed, generating a first resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with terminal equipment of the target object; under the condition that subscription confirmation of a target object is obtained, virtual resources of a first resource amount are transferred to a first resource carrier, and when virtual resource exchange service is executed, a resource carrier for bearing virtual resources released in a digital format is used for replacing a personal account of a preset third party mechanism to perform virtual resource interaction, so that the purpose of reducing the limitation of the third party mechanism to virtual resource interaction of the personal account number can be achieved, the technical effect of improving the success rate of virtual resource exchange is achieved, and the problem that the success rate of virtual resource exchange is low due to the fact that the service limitation of the third party mechanism exists in a processing mode of the virtual resources in the related art is solved.

Drawings

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

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the description of the embodiments or the prior art will be briefly described below, and it will be obvious to those skilled in the art that other drawings can be obtained from these drawings without inventive effort.

FIG. 1 is a schematic diagram of a hardware environment of an alternative virtual resource processing method according to an embodiment of the present application;

FIG. 2 is a flow diagram of an alternative virtual resource processing method according to an embodiment of the present application;

FIG. 3 is a block diagram of an alternative virtual resource processing apparatus according to an embodiment of the present application;

fig. 4 is a block diagram of an alternative electronic device according to an embodiment of the present application.

Detailed Description

In order to make the present application solution better understood by those skilled in the art, the following description will be made in detail and with reference to the accompanying drawings in the embodiments of the present application, it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art based on the embodiments herein without making any inventive effort, shall fall within the scope of the present application.

It should be noted that the terms "first," "second," and the like in the description and claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that embodiments of the present application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

According to one aspect of the embodiments of the present application, a method for processing a virtual resource is provided. The processing method of the virtual resource may be as shown in fig. 1, including a first management end 102 corresponding to an object for providing the virtual resource (for example, an organization for providing a loan service), a second management end 104 for managing the virtual resource (for example, a digital rmb) published in a digital format, and a target application (for example, a digital rmb APP) 106 corresponding to the virtual resource published in a digital format, where the three may be connected through a network, where the first management end 102 may provide a resource exchange service for an object having a resource carrier (for example, a digital rmb wallet) of the virtual resource published in a digital format, the second management end 104 may be used for managing the virtual resource operated by the first management end and the target application 106 may be used for executing a service related to the virtual resource published in a digital format, for example, a resource transfer-out, a resource transfer-in, and the like, which may be a resource carrier for managing the virtual resource having the virtual resource published in a digital format.

The network may include, but is not limited to, at least one of: wired network, wireless network. The wired network may include, but is not limited to, at least one of: a wide area network, a metropolitan area network, a local area network, and the wireless network may include, but is not limited to, at least one of: WIFI (Wireless Fidelity ), bluetooth. The first management end 102 and the second management end 104 may be servers, server clusters, or other similar devices, and the target application 106 may be executed on a mobile phone, a computer, or other terminal devices with application running functions, or may be in other bearer forms, which is not limited in this embodiment.

The method for processing virtual resources in the embodiment of the present application may be executed by the first management end 102 alone, or may be executed by the first management end 102 in combination with at least one of the second management end 104 and the target application 106. The method for executing the virtual resource by the target application 106 according to the embodiment of the present application may also be executed by means of a software and hardware resource on the terminal device that the target application runs.

Taking the processing method of the virtual resource in the present embodiment performed by the server (corresponding to the first management end 102) as an example, fig. 2 is a schematic flow chart of an alternative processing method of the virtual resource according to an embodiment of the present application, as shown in fig. 2, the flow of the method may include the following steps:

Step S202, a virtual resource extraction request of a target object is obtained, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, and the virtual resources of the first resource amount are the resource amounts of the virtual resources transferred to the target object by the target object request in a resource exchange service.

The method for processing virtual resources in this embodiment may be applied to a scenario in which virtual resource exchange is performed between a request object of a virtual resource and a provision object of the virtual resource, where when resource exchange service is performed between the request object of the virtual resource and the provision object of the virtual resource, the request object may obtain virtual resources with a specified resource amount in advance from the provision object, and transfer virtual resources with a certain resource amount to the provision object in batches from a specified time, at least an end condition of resource transfer is satisfied, where a total resource amount of the virtual resources transferred from the request object to the provision object is generally greater than or equal to the specified resource amount. Here, the providing object and the request object are both objects having authority of a resource exchange service, and the resource exchange service may be a service of exchanging virtual resources between the providing object and the request object, and the virtual resources may be virtual money.

In the related art, when a resource application party requesting an object as a virtual resource exchanges with a provision object, it is generally necessary to provide a personal account opened by a third party authority, and transfer in and transfer out of the applied virtual resource can be performed by the personal account. When the request object and the providing object exchange virtual resources, the success rate of the virtual resource exchange is lower because the virtual resource exchange is influenced by whether a third party mechanism to which the personal account belongs supports the generation and collection of the virtual resources and the supported generation and collection amount.

Here, the request object may be a user person, business, or other form of behavioral entity, the offer object may be a loan institution (e.g., a consuming financial institution), and the third party institution may be a bank. The resource exchange business may be loan and repayment, and the loan may be a consumer loan. Taking loan payment as an example, at present, by adopting loan payment with a bank card as a medium, a user pays out to a user's personal bank account, and the user needs to open the personal account to the bank, so that the user can apply for the loan.

However, the following problems exist with bank card mediated money release and repayment: the part of the bank collection amount is low or the collection is not supported, and the repayment of the loan cannot be supported, so that the normal execution of the business is influenced. In addition, the bank card may be affected by the regulations related to the card opening, so that the bank card cannot be used, for example, the customer information is not updated timely, the non-counter business transaction is terminated, and the repayment is not performed; not all banks can pay, depending on whether the payment company supports or not, but in order to pay a particular bank, a particular payment company needs to be accessed (if the accessed payment company does not support the bank), which is costly to develop. Here, the payment company refers to a third party organization having a payment license plate and providing a transaction platform for payment settlement services.

To at least partially solve the above-mentioned problem, in this embodiment, a resource carrier for carrying virtual resources published in digital format may be used to perform a resource exchange service instead of a personal account. Since the resource carrier for carrying the virtual resource published in the digital format is not limited by a specific third party organization, the two are in loose coupling relationship, namely, the resource carrier for carrying the virtual resource published in the digital format can be bound to an account of a certain third party organization for use, but the two are in loose coupling relationship and can be bound to an account of another third party organization when needed, so that the limitation of the account of the third party organization can be avoided.

Taking the digital RMB wallet as an example, by adopting a consumption loan payment scheme combined with the digital RMB, the digital RMB wallet can be issued with loan as long as the digital RMB wallet is opened, and the digital RMB wallet is not limited by bank card bank. Meanwhile, the digital RMB is used as legal currency, so that the digital RMB wallet has higher stability and relatively fewer conditions that the money cannot be repayed. In addition, the loan is directly issued to the digital RMB wallet of the user instead of the bank card, and the loan does not need to be issued by a payment company, so that the docking cost with the payment company can be reduced.

For the target object, the server may obtain a virtual resource extraction request of the target object, where the virtual resource extraction request is used to request to extract a virtual resource of a first resource amount, and the virtual resource of the first resource amount is a resource amount of the virtual resource of the target object that is requested to be transferred to the target object in the resource exchange service. Here, the resource exchange business may be triggered by a virtual resource request initiated by the target object, such as a user requesting a loan by submitting a loan request. After the user passes the loan approval, a withdrawal request (i.e., a virtual resource extraction request) can be initiated, the loan approval can be performed by an internal approval system of the consumer financial institution, and the approval process can be performed without recording information of a bank card or a digital RMB wallet.

Step S204, responding to the virtual resource extraction request, and extracting the first resource carrier information and the first object identification from the virtual resource extraction request.

In response to the virtual resource extraction request, the server may extract the first resource carrier information and the first object identification from the virtual resource extraction request. The first resource carrier information is used to identify a first resource carrier corresponding to the target object and used to carry the virtual resource published in digital format, for example, a digital rmb wallet, and correspondingly, the first resource carrier information may be a digital rmb wallet number, which may be input by the target object when the virtual resource extraction request is initiated, where the virtual resource extraction request may be sent by the target object through a target client, and the target client may be a client of a third party authority currently bound to the first resource carrier.

The first object identification may be used to uniquely identify the target object, and may include one or more types of information, such as a name of the target object, a phone number, a certificate number of a preset certificate (e.g., identity card information), and the first object identification may also be input by the target object when the virtual resource extraction request is initiated. For example, the user may fill in name, digital rennet wallet number, cell phone number, identification card information when initiating the withdrawal application.

Step S206, under the condition that the first object identification is consistent with the preset object identification of the target object and the authentication of the first resource carrier information is passed, generating a first resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with the terminal equipment of the target object.

For the obtained first object identifier, it may be determined whether the first object identifier is identical to a preset object identifier of the target object, i.e. whether the first object identifier and the preset object identifier are identical to each other, and the first resource carrier information may be authenticated. When the first object identifier contains multiple object identifiers, it may be determined that all or part of the object identifiers are matched with the preset object identifier, and whether the matched object identifiers are consistent is determined. The authentication may be to compare the first resource carrier information or other information with the reserved related information, and perform identity information verification.

For example, the authentication may be to compare the digital rmb wallet number or the bank card number, the user name, the id card information, the mobile phone number with the related information reserved at the bank end (i.e., the second management end), and perform the id information verification. Here, the digital rmb Bao Ke is used by binding various bank cards, and the bindable bank card is based on the digital rmb APP, and the bank not supporting the digital rmb wallet can still receive the bank card by the payment company. Therefore, the virtual resource extraction request may also carry an account number under a third party organization such as a bank card number.

Here, in the user withdrawal stage, besides binding the original bank card information, the related information of the digital RMB wallet, such as the digital RMB wallet number, the user name, the identity card information, the mobile phone number and the like, can be additionally and additionally input.

If the first object identification is consistent with the preset object identification of the target object and the authentication of the first resource carrier information is passed, the server may generate a first resource exchange contract matching the resource exchange service, where the first resource exchange contract may be an intelligent contract. In order to ensure the safety of resource exchange, the subscription confirmation with the target object can be performed by interacting with the terminal device (for example, a mobile phone or a terminal device bound with the mobile phone number) of the target object, so that the subscription is ensured to be the target object, but not other objects.

Step S208, when the sign-up confirmation of the target object is obtained, transferring the virtual resource of the first resource amount to the first resource carrier.

When the subscription confirmation of the target object is obtained, the current correct object can be determined to be subscribed, virtual resources of the first resource amount can be transferred to the first resource carrier, and the process of transferring the virtual resources to the first resource carrier of the target object can be completed. For example, a subscriber signed through may invoke a cash interface that transfers to the subscriber's personal digital RMB wallet via the consumer finance company or bank's public digital RMB wallet.

Through the steps S202 to S208, a virtual resource extraction request of the target object is obtained, where the virtual resource extraction request is used to request to extract a virtual resource of a first resource amount, and the virtual resource of the first resource amount is a resource amount of the virtual resource transferred to the target object by the target object request in the resource exchange service; responding to the virtual resource extraction request, extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to a target object and is used for bearing virtual resources issued in a digital format; under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed, generating a first resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with terminal equipment of the target object; under the condition that the subscription confirmation of the target object is obtained, virtual resources of a first resource amount are transferred to a first resource carrier, so that the problem that the success rate of virtual resource exchange is low due to the service limitation of a third party mechanism in a processing mode of the virtual resources in the related art is solved, and the success rate of the virtual resource exchange is improved.

In an exemplary embodiment, after extracting the first resource carrier information and the first object identification from the virtual resource extraction request, the method further comprises:

s11, matching the first object identifier with a preset object identifier, and determining whether the first object identifier is consistent with the preset object identifier;

s12, under the condition that the first object identifier is consistent with the preset object identifier of the target object, acquiring resource carrier information bound with target certificate information, wherein the first object identifier comprises target certificate information, and the target certificate information is the certificate information of the preset certificate of the target object;

s13, under the condition that preset resource carrier information bound with target certificate information is obtained, authenticating the first resource carrier information by using the preset resource carrier information;

s14, under the condition that the preset resource carrier information is consistent with the first resource carrier information, determining that the authentication of the first resource carrier information is passed;

and S15, under the condition that the preset resource carrier information is inconsistent with the first resource carrier information, determining that the authentication of the first resource carrier information is not passed.

In this embodiment, in order to improve the efficiency of information authentication, the first object identifier may be first matched with the preset object identifier to determine whether the first object identifier is consistent with the preset object identifier, where the first object identifier may include target certificate information (for example, identity card information, or other agreed certificate information that may be used to uniquely identify a certain object). If the target certificate information and the target certificate information are consistent, the resource carrier information bound with the target certificate information can be further acquired.

The target certificate information may or may not be bound to the resource carrier information. For example, the digital rmb wallets can be classified into one type of wallet, two types of wallets, three types of wallets and four types of wallets, wherein the four types of digital rmb wallets are numbered without identity card information and lack identity card information verification. If the preset resource carrier information bound with the target certificate information is obtained, the first resource carrier information can be authenticated by using the preset resource carrier information. If the preset resource carrier information is consistent with the first resource carrier information, determining that the authentication of the first resource carrier information is passed; otherwise, determining that the authentication of the first resource carrier information is not passed. For example, the digital RMB wallet information (including digital RMB wallet number, name, ID card information, etc.) is authenticated by the information provided by the user, whether the information is consistent is judged, and if so, the authentication is passed.

Optionally, after the resource carrier information bound by the target certificate information is acquired, information binding prompt information is sent to the target client under the condition that the resource carrier information bound by the target certificate information is not acquired, wherein the target client is a client sending a virtual resource extraction request, and the information binding prompt information is used for prompting the binding of the certificate information of the target object and the resource carrier information of the target object.

If the authentication fails, prompt information of abnormal resource extraction can be sent to the target client to prompt that abnormal virtual resource extraction occurs due to the failure of the authentication of the resource carrier information. For example, if the serial numbers of the four types of digital RMB wallets have no identity card information, the identification card information needs to be bound and then re-authenticated.

According to the method and the device, the authentication is carried out on the object identification firstly, and then the authentication is carried out on the resource carrier information after the authentication is passed, so that the information authentication flow can be optimized, and the information authentication efficiency is improved.

In an exemplary embodiment, the subscription confirmation through interaction with the terminal device of the target object includes:

s21, first verification information is sent to terminal equipment of the target object, wherein the first verification information is used for verifying whether the signed object is the target object or not;

s22, under the condition that second verification information sent by a target client is obtained within preset time and the first verification information is consistent with the second verification information, determining to obtain subscription confirmation of the target object, wherein the target client is the client sending the virtual resource extraction request.

In this embodiment, the interaction with the terminal device of the target object may be achieved by sending verification information to the terminal device of the target object, where the verification information may be a verification code, which may be used to verify whether the object for confirming subscription is a specified object. The server may send first verification information to the terminal device of the target object, where the first verification information is used to verify whether the subscribed object is the target object.

For the first authentication information, the user may reply to the received authentication information on his terminal device or input the received authentication information on the target client. After acquiring the second authentication information transmitted through the terminal device or the target client of the target object, the server may determine whether the target object determines to sign up.

In order to reduce the response time delay, a period of receiving the authentication information of the target object may be preset. If the second verification information sent by the target client is obtained within the preset time, whether the first verification information is consistent with the second verification information (same) can be further judged, otherwise, the sign-up confirmation is directly determined not to be received. If the first verification information is consistent with the second verification information, determining that the signing confirmation of the target object is acquired; otherwise, determining that the subscription confirmation is not received.

For example, the authenticated user invokes a subscription, sends a verification code to the user's mobile phone, and the user backfills the verification code to confirm the subscription.

According to the embodiment, the security of information interaction can be improved by sending verification information to the terminal equipment of the target object and acquiring the verification information returned by the target object from the target client.

In an exemplary embodiment, after transferring the virtual resource of the first resource amount into the first resource carrier, the method further comprises:

s31, transferring out virtual resources with a second resource amount from the first resource carrier according to a preset resource transfer-out period, wherein the second resource amount is matched with the carrier type of the first resource carrier, and is the resource amount of the virtual resources required to be transferred out from the first resource carrier in each resource transfer-out period in the resource exchange service.

In this embodiment, the resource exchange service requires the target object to transfer a virtual resource of a certain resource amount to the providing object of the virtual resource in a preset resource transfer-out period. The transferred virtual resource may be transferred out of the first resource carrier. By transferring out the virtual resource from the resource carrier for carrying the virtual resource distributed in the digital format, the transfer-out limit of the virtual resource transfer-out mode is not limited by the third party mechanism, and the resource amount of the virtual resource transferred out by the transfer-out mode of the virtual resource can be controlled to be uniform relative to the transfer-out limit of different third party mechanisms (for example, the transfer-out limits of the bank cards are different). For example, the payment is carried out through a digital RMB wallet, and the payment support amount is unified according to the wallet type. The repayment amount of the first wallet single pen and the second wallet single pen are consistent, and the repayment amount of the third wallet single pen is relatively smaller.

And for the target object, transferring out virtual resources of a second resource amount from the first resource carrier according to a preset resource transfer-out period (for example, one month), wherein the second resource amount is matched with the carrier type of the first resource carrier, and the second resource amount is the resource amount of the virtual resources required to be transferred out from the first resource carrier in each resource transfer-out period in the resource exchange service. Here, the amounts of resources of virtual resources transferred out in each resource transfer-out period may be the same or different, and this is not a limitation in the present embodiment. Here, the matching of the second resource amount with the bearer type of the first resource bearer may be: the second amount of resources does not exceed an amount of resources threshold corresponding to the bearer type of the first resource bearer.

For example, a user who pays successfully pays according to a payoff plan, payoff the balance of the digital RMB wallet which the user signed up through is paid off on a monthly payoff day, and if the user cannot pay off on time, the balance of the digital RMB wallet can be paid off at the beginning of the day and/or at the end of the day.

Here, the digital RMB wallet has higher stability, less transaction limitation and more stable repayment. The payment of the consumption loan is carried out through the digital RMB, the payment limit is not distinguished by bank card lines, but is distinguished by the type of the digital RMB wallet and the digital RMB operation mechanism, and the payment limit is clear and unified.

By the embodiment, the resource quantity threshold value of the virtual resource transfer is configured according to the carrier type of the resource carrier, so that the uniformity of the resource quantity threshold value of the resource transfer can be ensured.

In an exemplary embodiment, after transferring out the virtual resource of the second resource amount from the first resource carrier according to the preset resource transfer-out period, the method further includes:

s41, when the virtual resource of the second resource quantity fails to be transferred out, transferring the virtual resource of the second resource quantity from a resource account which is bound by the target object and corresponds to a preset third party mechanism.

In order to ensure the success rate of virtual resource exchange, besides the mode of transferring virtual resources from the resource carrier, virtual resources can be transferred from a resource account corresponding to a preset third party mechanism. Here, the resource account corresponding to the third party authority may be carried in the virtual resource extraction request. The information authentication may include authentication of a resource account corresponding to the third party authority.

And if the virtual resource of the second resource quantity fails to be transferred out in some resource transfer-out periods, transferring out the virtual resource of the second resource quantity from a resource account which is bound by the target object and corresponds to a preset third party mechanism. For example, only the bank card is used for repayment in a single repayment mode, so that the repayment mode can be enriched, and the digital RMB wallet and the bank card are bound for repayment. If the user binds the digital RMB wallet and the bank card at the same time, the bank card is used for repayment when the balance of the digital RMB wallet is insufficient.

By configuring the transfer-out paths of various virtual resources, when one resource transfer-out path fails, the transfer-out of the virtual resources is performed by other resource transfer-out paths, so that the success rate of virtual resource exchange can be ensured.

s51, acquiring an information update request of a target object, wherein the information update request is used for requesting to update resource carrier information corresponding to a first resource exchange contract;

s52, responding to the information updating request, and extracting second resource carrier information and a second object identifier from the information updating request, wherein the second resource carrier information is used for identifying a second resource carrier which corresponds to the target object and is used for bearing the virtual resource issued in the digital format;

s53, under the condition that the second object identification is consistent with the preset object identification and the authentication of the first resource carrier information is passed, generating a second resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with the terminal equipment of the target object;

s54, under the condition that the signing confirmation of the target object is obtained, determining that the second resource exchange contract signing is successful.

When the target object needs to replace the bound resource carrier for carrying the virtual resource issued in the digital format, an information update request can be sent to the server through the target client or other modes to request to update the resource carrier information corresponding to the first resource exchange contract. After the server obtains the information update request, the second resource carrier information and the second object identifier may be extracted from the information update request, where the second resource carrier information is used to identify a second resource carrier corresponding to the target object and used to carry the virtual resource published in the digital format. The second object identifier, similar to the first object identifier, may include one or more object identifiers, which have been described and are not described herein.

After the second resource carrier information and the second object identifier are obtained, information authentication, generation of a resource exchange contract, subscription confirmation, and the like may be performed in a similar manner to those in the foregoing embodiments, which have already been described and will not be described herein. And when the subscription confirmation of the target object is acquired, determining that the second resource exchange contract is successfully signed. In a subsequent resource transfer-out period, virtual resources of a second resource amount may be transferred out of the second resource carrier.

For example, when the user needs to replace and bind other digital RMB wallets, the user can click a signing button in loan management of the target client, fill relevant information, and repeatedly execute the steps of information authentication, signing and the like.

According to the embodiment, the bound resource carrier used for bearing the virtual resource published in the digital format is updated through the information updating request, and when the bound resource carrier is updated, the information authentication and subscription confirmation processes are re-executed, so that the information security can be ensured.

In an exemplary embodiment, the above method further comprises:

s61, acquiring a resource transfer-out request of a first resource carrier, wherein the resource transfer-out request is used for requesting virtual resource transfer-out of a third resource quantity corresponding to a resource exchange service in the first resource carrier for a target resource transfer-out service;

s62, allowing virtual resources of a third resource amount to be transferred out under the condition that the target resource transfer-out service belongs to a preset group of resource transfer-out services;

s63, in the case that the target resource transfer-out service does not belong to the preset group of resource transfer-out services, virtual resources of the third resource amount are not allowed to be transferred out.

In order to avoid virtual resource waste, the usage of the exchanged virtual resources may be controlled, for example, an allowed set of resource transfer-out services may be preset, that is, only the resource transfer-out service in the set of resource transfer-out services allows to use the virtual resources corresponding to the resource exchange service in the first resource carrier, and for other resource transfer-out services, the transfer-out of the virtual resources corresponding to the resource exchange service in the first resource carrier is refused, and a set of resource transfer-out services may be configured by the foregoing server, which may be configured in the first resource carrier, or may be configured on the server or other devices, so long as the determination logic of whether the transfer-out is performed when the virtual resources in the first resource carrier need to be transferred out may be executed.

In this embodiment, the resource management device (may be the foregoing server or other devices, for example, the second management end) may acquire a resource transfer request of the first resource bearer, where the resource transfer request is used to request that virtual resources of a third resource amount corresponding to the resource exchange service in the first resource bearer be transferred for the target resource transfer service; if the target resource transfer-out service belongs to a preset group of resource transfer-out services, allowing virtual resources of a third resource amount to be transferred out; otherwise, the virtual resource of the third resource amount is not allowed to be rolled out.

For example, considering that funds can be freely controlled by a user after paying, the funds use is difficult to control, the funds use can be controlled, the transfer condition can be set, and the funds use can be oriented, for example, limited to consumption use, the funds can only be consumed in a specified scene, and direct transfer cannot be performed.

By the embodiment, the service of the virtual resource corresponding to the resource exchange service can be transferred out through configuration, so that the aim of controlling the exchanged virtual resource can be fulfilled, and the controllability of virtual resource circulation is improved.

It should be noted that, for simplicity of description, the foregoing method embodiments are all expressed as a series of action combinations, but it should be understood by those skilled in the art that the present application is not limited by the order of actions described, as some steps may be performed in other order or simultaneously in accordance with the present application. Further, those skilled in the art will also appreciate that the embodiments described in the specification are all preferred embodiments, and that the acts and modules referred to are not necessarily required in the present application.

From the description of the above embodiments, it will be clear to a person skilled in the art that the method according to the above embodiments may be implemented by means of software plus the necessary general hardware platform, but of course also by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM (Read-Only Memory)/RAM (Random Access Memory ), magnetic disk, optical disc), including instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the method described in the embodiments of the present application.

According to another aspect of the embodiments of the present application, there is also provided a processing apparatus for a virtual resource that implements the above processing method for a virtual resource. FIG. 3 is a block diagram of an alternative virtual resource processing apparatus according to an embodiment of the present application, as shown in FIG. 3, the apparatus may include:

a first obtaining unit 302, configured to obtain a virtual resource extraction request of a target object, where the virtual resource extraction request is used to request to extract a virtual resource of a first resource amount, where the virtual resource of the first resource amount is a resource amount of a virtual resource that is transferred to the target object by the target object request in a resource exchange service;

A first extracting unit 304, connected to the first obtaining unit 302, configured to respond to a virtual resource extraction request, and extract first resource carrier information and a first object identifier from the virtual resource extraction request, where the first resource carrier information is used to identify a first resource carrier corresponding to a target object and used to carry a virtual resource published in a digital format;

the first execution unit 306 is connected to the first extraction unit 304, and is configured to generate a first resource exchange contract that matches the resource exchange service when the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information passes, and perform subscription confirmation by interacting with the terminal device of the target object;

the second execution unit 308 is connected to the first execution unit 306, and is configured to transfer the virtual resource of the first resource amount to the first resource carrier when the subscription confirmation of the target object is acquired.

It should be noted that, in this embodiment, the first obtaining unit 302 may be used to perform the step S202, the first extracting unit 304 in this embodiment may be used to perform the step S204, the first performing unit 306 in this embodiment may be used to perform the step S206, and the second performing unit 308 in this embodiment may be used to perform the step S208.

Through the module, a virtual resource extraction request of a target object is obtained, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, and the virtual resources of the first resource amount are the resource amounts of the virtual resources transferred to the target object by the target object request in a resource exchange service; responding to the virtual resource extraction request, extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to a target object and is used for bearing virtual resources issued in a digital format; under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed, generating a first resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with terminal equipment of the target object; under the condition that the subscription confirmation of the target object is obtained, virtual resources of a first resource amount are transferred to a first resource carrier, so that the problem that the success rate of virtual resource exchange is low due to the service limitation of a third party mechanism in a processing mode of the virtual resources in the related art is solved, and the success rate of the virtual resource exchange is improved.

In an exemplary embodiment, the above apparatus further includes:

the first determining unit is used for matching the first object identifier with a preset object identifier after extracting the first resource carrier information and the first object identifier from the virtual resource extraction request, and determining whether the first object identifier is consistent with the preset object identifier;

the second acquisition unit is used for acquiring the resource carrier information bound by the target certificate information under the condition that the first object identifier is consistent with the preset object identifier of the target object, wherein the first object identifier comprises the target certificate information which is the certificate information of the preset certificate of the target object;

the authentication unit is used for authenticating the first resource carrier information by using the preset resource carrier information under the condition that the preset resource carrier information bound with the target certificate information is acquired;

the second determining unit is used for determining that the authentication of the first resource carrier information passes under the condition that the preset resource carrier information is consistent with the first resource carrier information;

and the third determining unit is used for determining that the authentication of the first resource carrier information is not passed under the condition that the preset resource carrier information is inconsistent with the first resource carrier information.

In one exemplary embodiment, the first execution unit includes:

the sending module is used for sending first verification information to the terminal equipment of the target object, wherein the first verification information is used for verifying whether the signed object is the target object or not;

the determining module is used for determining to acquire the signing confirmation of the target object under the condition that the second verification information sent by the target client is acquired within the preset time and the first verification information is consistent with the second verification information, wherein the target client is the client for sending the virtual resource extraction request.

In an exemplary embodiment, the above apparatus further includes:

and the third execution unit is used for transferring the virtual resources of the second resource quantity from the first resource carrier according to a preset resource transfer-out period after transferring the virtual resources of the first resource quantity into the first resource carrier, wherein the second resource quantity is matched with the carrier type of the first resource carrier, and the second resource quantity is the resource quantity of the virtual resources required to be transferred from the first resource carrier in each resource transfer-out period in the resource exchange service.

In an exemplary embodiment, the above apparatus further includes:

and the fourth execution unit is used for transferring out the virtual resources of the second resource amount from the resource account which is bound by the target object and corresponds to the preset third party mechanism under the condition that the transfer-out of the virtual resources of the second resource amount fails after transferring out the virtual resources of the second resource amount from the first resource carrier according to the preset resource transfer-out period.

In an exemplary embodiment, the above apparatus further includes:

a third obtaining unit, configured to obtain an information update request of the target object after transferring the virtual resource of the first resource amount to the first resource carrier, where the information update request is used to request to update resource carrier information corresponding to the first resource exchange contract;

the second extraction unit is used for responding to the information updating request, extracting second resource carrier information and a second object identifier from the information updating request, wherein the second resource carrier information is used for identifying a second resource carrier which corresponds to the target object and is used for bearing the virtual resource issued in the digital format;

a fifth execution unit, configured to generate a second resource exchange contract that matches the resource exchange service and perform subscription confirmation by interacting with the terminal device of the target object, where the second object identifier is consistent with the preset object identifier and the authentication of the first resource carrier information passes;

and the fourth determining unit is used for determining that the second resource exchange contract signing is successful under the condition that the signing confirmation of the target object is acquired.

In an exemplary embodiment, the above apparatus further includes:

A fourth obtaining unit, configured to obtain a resource transfer-out request of the first resource bearer, where the resource transfer-out request is used to request that virtual resources of a third resource amount corresponding to the resource exchange service in the first resource bearer be transferred out for the target resource transfer-out service;

a sixth execution unit, configured to allow virtual resources of a third resource amount to be rolled out when the target resource rolling-out service belongs to a preset group of resource rolling-out services;

and a seventh execution unit, configured to not allow the virtual resource of the third resource amount to be rolled out when the target resource rolling-out service does not belong to the preset group of resource rolling-out services. It should be noted that the above modules are the same as examples and application scenarios implemented by the corresponding steps, but are not limited to what is disclosed in the above embodiments. It should be noted that the above modules may be implemented in software or in hardware as part of the apparatus shown in fig. 1, where the hardware environment includes a network environment.

According to yet another aspect of embodiments of the present application, there is also provided a storage medium. Alternatively, in this embodiment, the storage medium may be used to execute the program code of the processing method of any one of the virtual resources described above in the embodiment of the present application.

Alternatively, in this embodiment, the storage medium may be located on at least one network device of the plurality of network devices in the network shown in the above embodiment.

Alternatively, in the present embodiment, the storage medium is configured to store program code for performing the steps of:

s1, obtaining a virtual resource extraction request of a target object, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, and the virtual resources of the first resource amount are the resource amounts of the virtual resources transferred to the target object by the target object request in a resource exchange service;

s2, responding to a virtual resource extraction request, and extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to a target object and is used for bearing virtual resources issued in a digital format;

s3, under the condition that the first object identification is consistent with the preset object identification of the target object and the authentication of the first resource carrier information is passed, generating a first resource exchange contract matched with the resource exchange service, and carrying out subscription confirmation through interaction with terminal equipment of the target object;

And S4, transferring the virtual resources of the first resource quantity to the first resource carrier under the condition that the subscription confirmation of the target object is acquired.

Alternatively, specific examples in the present embodiment may refer to examples described in the above embodiments, which are not described in detail in the present embodiment.

Alternatively, in the present embodiment, the storage medium may include, but is not limited to: various media capable of storing program codes, such as a U disk, ROM, RAM, a mobile hard disk, a magnetic disk or an optical disk.

According to still another aspect of the embodiments of the present application, there is further provided an electronic device for implementing the above-mentioned processing method of virtual resources, where the electronic device may be a server, a terminal, or a combination thereof.

Fig. 4 is a block diagram of an alternative electronic device, according to an embodiment of the present application, including a processor 402, a communication interface 404, a memory 406, and a communication bus 408, as shown in fig. 4, wherein the processor 402, the communication interface 404, and the memory 406 communicate with each other via the communication bus 408, wherein,

a memory 406 for storing a computer program;

processor 402, when executing a computer program stored on memory 406, performs the following steps:

Alternatively, the communication bus may be a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus, or an EISA (Extended Industry Standard Architecture ) bus, or the like. The communication bus may be classified as an address bus, a data bus, a control bus, or the like. For ease of illustration, only one thick line is shown in fig. 4, but not only one bus or one type of bus. The communication interface is used for communication between the electronic device and other equipment.

The memory may include RAM or may include non-volatile memory (non-volatile memory), such as at least one disk memory. Optionally, the memory may also be at least one memory device located remotely from the aforementioned processor.

As an example, the memory 406 may include, but is not limited to, a first obtaining unit 302, a first extracting unit 304, a first executing unit 306, and a second executing unit 308 in the processing apparatus including the virtual resource. In addition, other module units in the processing apparatus of the virtual resource may be included, but are not limited to, and are not described in detail in this example.

The processor may be a general purpose processor and may include, but is not limited to: CPU (Central Processing Unit ), NP (Network Processor, network processor), etc.; but also DSP (Digital Signal Processing, digital signal processor), ASIC (Application Specific Integrated Circuit ), FPGA (Field-Programmable Gate Array, field programmable gate array) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components.

Alternatively, specific examples in this embodiment may refer to examples described in the foregoing embodiments, and this embodiment is not described herein.

It will be understood by those skilled in the art that the structure shown in fig. 4 is only schematic, and the device implementing the above-mentioned virtual resource processing method may be a terminal device, and the terminal device may be a smart phone (such as an Android mobile phone, an iOS mobile phone, etc.), a tablet computer, a palmtop computer, a mobile internet device (Mobile Internet Devices, MID), a PAD, etc. Fig. 4 is not limited to the structure of the electronic device. For example, the electronic device may also include more or fewer components (e.g., network interfaces, display devices, etc.) than shown in FIG. 4, or have a different configuration than shown in FIG. 4.

Those of ordinary skill in the art will appreciate that all or part of the steps in the various methods of the above embodiments may be implemented by a program for instructing a terminal device to execute in association with hardware, the program may be stored in a computer readable storage medium, and the storage medium may include: flash disk, ROM, RAM, magnetic or optical disk, etc.

The foregoing embodiment numbers of the present application are merely for describing, and do not represent advantages or disadvantages of the embodiments.

The integrated units in the above embodiments may be stored in the above-described computer-readable storage medium if implemented in the form of software functional units and sold or used as separate products. Based on such understanding, the technical solution of the present application may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions to cause one or more computer devices (which may be personal computers, servers or network devices, etc.) to perform all or part of the steps of the methods described in the various embodiments of the present application.

In the foregoing embodiments of the present application, the descriptions of the embodiments are emphasized, and for a portion of this disclosure that is not described in detail in this embodiment, reference is made to the related descriptions of other embodiments.

In several embodiments provided in the present application, it should be understood that the disclosed client may be implemented in other manners. The above-described embodiments of the apparatus are merely exemplary, and the division of the units, such as the division of the units, is merely a logical function division, and may be implemented in another manner, for example, multiple units or components may be combined or may be integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be through some interfaces, units or modules, or may be in electrical or other forms.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution provided in the present embodiment.

In addition, each functional unit in each embodiment of the present application may be integrated in one processing unit, or each unit may exist alone physically, or at least two units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The foregoing is merely a preferred embodiment of the present application and it should be noted that modifications and adaptations to those skilled in the art may be made without departing from the principles of the present application and are intended to be comprehended within the scope of the present application.

Claims

1. A method for processing virtual resources, comprising:

obtaining a virtual resource extraction request of a target object, wherein the virtual resource extraction request is used for requesting to extract virtual resources of a first resource amount, the virtual resources of the first resource amount are resource amounts of virtual resources transferred to the target object in a resource exchange service;

extracting first resource carrier information and a first object identifier from the virtual resource extraction request in response to the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to the target object and is used for bearing virtual resources issued in a digital format;

Generating a first resource exchange contract matched with the resource exchange service under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed, and carrying out subscription confirmation through interaction with the terminal equipment of the target object;

and under the condition that the subscription confirmation of the target object is acquired, transferring the virtual resource of the first resource quantity to the first resource carrier.

2. The method of claim 1, wherein after the extracting the first resource carrier information and the first object identification from the virtual resource extraction request, the method further comprises:

matching the first object identifier with the preset object identifier, and determining whether the first object identifier is consistent with the preset object identifier;

acquiring resource carrier information bound by target certificate information under the condition that the first object identifier is consistent with the preset object identifier of the target object, wherein the first object identifier comprises the target certificate information, and the target certificate information is the certificate information of the preset certificate of the target object;

Under the condition that preset resource carrier information bound with the target certificate information is obtained, authenticating the first resource carrier information by using the preset resource carrier information;

under the condition that the preset resource carrier information is consistent with the first resource carrier information, determining that the first resource carrier information is authenticated;

and under the condition that the preset resource carrier information is inconsistent with the first resource carrier information, determining that the authentication of the first resource carrier information is not passed.

3. The method according to claim 1, wherein the subscription confirmation by interaction with the terminal device of the target object comprises:

sending first verification information to terminal equipment of the target object, wherein the first verification information is used for verifying whether the signed object is the target object or not;

and under the condition that second verification information sent by a target client is obtained within preset time and the first verification information is consistent with the second verification information, determining to obtain subscription confirmation of the target object, wherein the target client is the client sending the virtual resource extraction request.

4. The method of claim 1, wherein after said transferring the virtual resource of the first resource amount into the first resource carrier, the method further comprises:

and transferring out virtual resources with a second resource amount from the first resource carrier according to a preset resource transfer-out period, wherein the second resource amount is matched with the carrier type of the first resource carrier, and the second resource amount is the resource amount of the virtual resources required to be transferred out from the first resource carrier in each resource transfer-out period in the resource exchange service.

5. The method of claim 4, wherein after the transferring out of the second amount of virtual resources from within the first resource carrier in accordance with the preset resource transfer-out period, the method further comprises:

and under the condition that the transfer-out of the virtual resource of the second resource amount fails, transferring out the virtual resource of the second resource amount from a resource account which is bound by the target object and corresponds to a preset third party mechanism.

6. The method of claim 1, wherein after said transferring the virtual resource of the first resource amount into the first resource carrier, the method further comprises:

Acquiring an information updating request of the target object, wherein the information updating request is used for requesting to update resource carrier information corresponding to the first resource exchange contract;

extracting second resource carrier information and a second object identifier from the information update request in response to the information update request, wherein the second resource carrier information is used for identifying a second resource carrier which corresponds to the target object and is used for bearing virtual resources issued in a digital format;

generating a second resource exchange contract matched with the resource exchange service under the condition that the second object identifier is consistent with the preset object identifier and the authentication of the first resource carrier information is passed, and carrying out subscription confirmation through interaction with the terminal equipment of the target object;

and under the condition that the signing confirmation of the target object is obtained, determining that the second resource exchange contract signing is successful.

7. The method according to any one of claims 1 to 6, further comprising: acquiring a resource transfer-out request of the first resource carrier, wherein the resource transfer-out request is used for requesting virtual resources of a third resource quantity corresponding to the resource exchange service in the first resource carrier to be transferred out for a target resource transfer-out service;

Allowing virtual resources of the third resource amount to be exported under the condition that the target resource export service belongs to a preset group of resource export services;

and under the condition that the target resource transfer-out service does not belong to a preset group of resource transfer-out services, virtual resources of the third resource amount are not allowed to be transferred out.

8. A processing apparatus for virtual resources, comprising:

a first obtaining unit, configured to obtain a virtual resource extraction request of a target object, where the virtual resource extraction request is used to request to extract a virtual resource of a first resource amount, where the virtual resource of the first resource amount is a resource amount of a virtual resource transferred to the target object by the target object request in a resource exchange service;

the first extraction unit is used for responding to the virtual resource extraction request, extracting first resource carrier information and a first object identifier from the virtual resource extraction request, wherein the first resource carrier information is used for identifying a first resource carrier which corresponds to the target object and is used for bearing virtual resources issued in a digital format;

the first execution unit is used for generating a first resource exchange contract matched with the resource exchange service and carrying out subscription confirmation through interaction with terminal equipment of the target object under the condition that the first object identifier is consistent with the preset object identifier of the target object and the authentication of the first resource carrier information is passed;

And the second execution unit is used for transferring the virtual resource of the first resource amount to the first resource carrier under the condition that the subscription confirmation of the target object is acquired.

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

10. An electronic device comprising a memory and a processor, characterized in that the memory has stored therein a computer program, the processor being arranged to execute the method according to any of claims 1 to 7 by means of the computer program.