CN117933980A

CN117933980A - Resource conversion method, device, computer equipment and storage medium

Info

Publication number: CN117933980A
Application number: CN202410119418.8A
Authority: CN
Inventors: 宋鹏鹏; 周宏庆; 刘晓晴; 曹海兵
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2024-01-29
Filing date: 2024-01-29
Publication date: 2024-04-26

Abstract

The application relates to a resource conversion method, a resource conversion device, computer equipment and a storage medium, which can be used in the field of financial science and technology or other related fields. The method comprises the following steps: responding to a resource conversion hosting request aiming at a target stock real estate resource, and acquiring a matched resource conversion hosting protocol; according to the resource conversion hosting protocol, obtaining the matched remaining first virtual resources, and generating a virtual resource storage sub-account under the condition that the conversion of the first virtual resources is completed; transferring the virtual resources from the supervision account to a virtual resource storage sub-account, and acquiring corresponding second virtual resources; and under the condition that the conversion of the second virtual resource is completed, responding to the extraction request for the virtual resource, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the first user account for providing the target stock real estate resource. The resource conversion efficiency can be improved by adopting the method.

Description

Resource conversion method, device, computer equipment and storage medium

Technical Field

The present application relates to the technical field of financial science and technology, and in particular, to a resource conversion method, a resource conversion device, a computer device, a storage medium and a computer program product.

Background

With the development of financial technology, a technology for exchanging the stock real estate resources by using the virtual resources is presented, for example, the user 1 can provide the corresponding virtual resources for the user 2, and the user 2 can transfer the stock real estate resources carried by the user 2 to the user 1, so that the resource conversion between the virtual resources and the stock real estate resources is realized.

In the traditional technology, aiming at resource conversion between virtual resources and stock real estate resources, users are usually required to go to different management departments on line for field handling, and information island phenomenon exists among the management departments, and the users are usually required to submit repeated data. Therefore, the existing method for exchanging the stock real estate resources by utilizing the virtual resources has the problem of low resource conversion efficiency.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a resource conversion method, apparatus, computer device, computer-readable storage medium, and computer program product that can improve resource conversion efficiency.

In a first aspect, the present application provides a resource conversion method, including:

responding to a resource conversion hosting request aiming at a target real estate resource, and acquiring a resource conversion hosting protocol matched with the target real estate resource;

According to the resource conversion hosting protocol, acquiring the remaining first virtual resources matched with the target stock real estate resources, and generating a virtual resource storage sub-account related to the resource conversion hosting protocol under the condition that the remaining first virtual resources characterize the first virtual resources corresponding to the target stock real estate resources;

Transferring the virtual resource to the virtual resource storage sub-account from the supervision account for storing the virtual resource corresponding to the target real estate resource, and acquiring a second virtual resource corresponding to the target real estate resource;

And under the condition that the conversion of the second virtual resource is completed, responding to the extraction request for the virtual resource, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to a first user account for providing the target stock real estate resource.

In one embodiment, before the obtaining, in response to the resource conversion hosting request for the target real estate resource, a resource conversion hosting protocol matched with the target real estate resource, the method further includes: generating an initial resource conversion hosting protocol for the target stock real estate resource in response to a user registration request, and generating a protocol number associated with the initial resource conversion hosting protocol; calling an electronic signature interface, acquiring a user electronic signature picture associated with the target stock real estate resource, and adding the user electronic signature picture at a user signature position preset in the initial resource conversion hosting protocol; invoking an electronic seal interface, acquiring an organization electronic seal picture of a financial institution corresponding to the supervision account, adding the organization electronic seal picture in an initial resource conversion hosting protocol added with the user electronic signature picture, and generating a resource conversion hosting protocol matched with the target stock real estate resource; the responding to the resource conversion hosting request for the target real estate resource obtains the resource conversion hosting protocol matched with the target real estate resource, and the method comprises the following steps: responding to the resource conversion hosting request, and acquiring a protocol number carried in the resource conversion hosting request; and acquiring a resource conversion hosting protocol associated with the protocol number according to the protocol number.

In one embodiment, the generating an initial resource conversion hosting protocol for the target real estate resource in response to a user registration request includes: responding to the user registration request, and acquiring a resource conversion contract number and a management mechanism number corresponding to the target stock real estate resource from the user registration request; acquiring a management mechanism data link matched with the management structure number, and acquiring resource conversion contract data matched with the resource conversion contract number and property right proving data of the target stock real estate resource through the management mechanism data link; and generating an initial resource conversion hosting agreement of the target stock real estate resource by utilizing the resource conversion contract data and the property evidence data.

In one embodiment, the obtaining, according to the resource conversion hosting protocol, the remaining first virtual resources that match the target real estate resource includes: obtaining virtual resources to be converted corresponding to the target stock real estate resources according to the resource conversion hosting protocol; the virtual resource to be converted consists of the first virtual resource and the second virtual resource; obtaining a converted first virtual resource; and obtaining the residual first virtual resources according to the virtual resources to be converted, the converted first virtual resources and the second virtual resources.

In one embodiment, the generating the virtual resource deposit sub-account number associated with the resource conversion hosting protocol when the remaining first virtual resources characterize the first virtual resource conversion corresponding to the target real estate resource is completed includes: under the condition that the remaining first virtual resources return to zero, determining that the first virtual resources are converted, generating the virtual resource storage sub-account, and setting the account state of the virtual resource storage sub-account to be an enabled state; after the transferring the virtual resource to the virtual resource storage sub-account, the method further includes: switching the account state of the virtual resource storage sub-account from the enabled state to a state representing the partial conversion of the resource; and under the condition that the second virtual resource returns to zero, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of the partial conversion of the characterization resource to the state of the completion of the conversion of the characterization resource.

In one embodiment, the method further comprises: under the condition that the second virtual resource is not zeroed, calling a query interface of a financial institution corresponding to the supervision account to acquire a resource issuing state of the financial institution for the second virtual resource; and under the condition that the resource issuing state characterizes that the second virtual resource is issued, transferring the second virtual resource to the virtual resource storage sub-account from the supervision account, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of the part conversion of the characterization resource to the state of the completion of the conversion of the characterization resource.

In one embodiment, the transferring the virtual resource from the virtual resource deposit sub-account to the administrative account in response to the extraction request for the virtual resource includes: under the condition that the account state of the virtual resource storage sub-account is the state representing the completion of resource conversion, responding to the extraction request, and acquiring face image information of an extraction user triggering the extraction request; acquiring a user verification result of the extracted user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the extraction request when the user verification result represents that the extracted user is a user corresponding to the first user account; acquiring attribution user information of the target stock real estate resource based on the management institution number and the real estate number; transferring the virtual resources from the virtual resource storage sub-account to the supervision account under the condition that the attribution user information characterizes that the target stock real estate resources are transferred from the user corresponding to the first user account to the user corresponding to the second user account; the second user account is a user account of the target stock real estate resource to be obtained.

In one embodiment, after transferring the virtual resource from the supervisory account to the first user account providing the target real estate resource, the method further includes: switching the account state of the virtual resource storage sub-account to a state representing that the resources are extracted, and acquiring virtual resource transfer time for transferring the virtual resources to the first user account; and under the condition that the time interval between the current time and the virtual resource transfer time exceeds a preset time interval threshold, switching the account state of the virtual resource storage sub-account from the state of representing that the resource is extracted to an initialization state at the current time, and canceling the association with the resource conversion hosting protocol.

In one embodiment, after the switching the account state of the virtual resource storage sub-account from the enabled state to the state representing the resource partial conversion, the method further includes: responding to a cancellation request aiming at the resource conversion hosting request, and acquiring face image information of a cancellation user triggering the cancellation request; acquiring a user verification result of the cancelling user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the cancelling request under the condition that the user verification result represents that the cancelling user is a user corresponding to a user account related to the resource conversion hosting request; acquiring attribution user information of the target stock real estate resource based on the management institution number and the real estate number; under the condition that the attribution user information characterizes that the target stock real estate resource is attributed to a user corresponding to the first user account, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to a second user account; the second user account is a user account of the target stock real estate resource to be obtained.

In a second aspect, the present application further provides a resource conversion device, including:

The system comprises a hosting protocol acquisition module, a hosting protocol generation module and a hosting protocol generation module, wherein the hosting protocol acquisition module is used for responding to a resource conversion hosting request aiming at a target real estate resource and acquiring a resource conversion hosting protocol matched with the target real estate resource;

The first resource processing module is used for acquiring the residual first virtual resources matched with the target stock real estate resources according to the resource conversion hosting protocol, and generating a virtual resource storage sub-account related to the resource conversion hosting protocol under the condition that the residual first virtual resources characterize the first virtual resources corresponding to the target stock real estate resources;

The second resource processing module is used for transferring the virtual resources to the virtual resource storage sub-account from the supervision account for storing the virtual resources corresponding to the target real estate resources, and acquiring second virtual resources corresponding to the target real estate resources;

And the virtual resource transfer module is used for responding to the extraction request for the virtual resource under the condition that the second virtual resource conversion is completed, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the first user account for providing the target storage real estate resource.

In a third aspect, the application also provides a computer device comprising a memory storing a computer program and a processor executing the steps of the method according to any of the embodiments of the first aspect.

In a fourth aspect, the present application also provides a computer-readable storage medium, on 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 the embodiments of the first aspect.

In a fifth aspect, the application also provides a computer program product comprising a computer program which, when executed by a processor, implements the steps of the method according to any of the embodiments of the first aspect.

The above-described resource conversion method, apparatus, computer device, storage medium, and computer program product acquire a resource conversion hosting protocol matching a target stock real estate resource by responding to a resource conversion hosting request for the target stock real estate resource; according to the resource conversion hosting protocol, obtaining the remaining first virtual resources matched with the target stock real estate resources, and generating a virtual resource storage sub-account related to the resource conversion hosting protocol under the condition that the remaining first virtual resources represent the first virtual resources corresponding to the target stock real estate resources; transferring the virtual resources to a virtual resource storage sub-account from a supervision account for storing the virtual resources corresponding to the target real estate resources, and acquiring second virtual resources corresponding to the target real estate resources; and under the condition that the conversion of the second virtual resource is completed, responding to the extraction request for the virtual resource, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the first user account for providing the target stock real estate resource. The application responds to the resource conversion hosting request of the target real estate resource initiated by the user, thereby obtaining the resource conversion hosting protocol corresponding to the target real estate resource, and using the protocol to obtain the remaining first virtual resource of the target real estate resource, and if the remaining first virtual resource characterizes that the first virtual resource is converted, a corresponding virtual resource storage sub-account number can be generated, and the virtual resource is transferred to the virtual resource storage sub-account number from the supervision account number for storing the virtual resource corresponding to the target real estate resource, and whether the second virtual resource is converted is determined, if yes, the virtual resource in the virtual resource storage sub-account number can be transferred to the supervision account number under the condition of receiving the virtual resource extraction request, and then is transferred to the first user account number for providing the target real estate resource.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the related art, the drawings that are required to be used in the embodiments or the related technical descriptions will be briefly described, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to the drawings without inventive effort for those skilled in the art.

FIG. 1 is a diagram of an application environment for a resource transformation method in one embodiment;

FIG. 2 is a flow diagram of a method of resource transformation in one embodiment;

FIG. 3 is a flow diagram of generating a resource conversion hosting protocol in one embodiment;

FIG. 4 is a flow diagram of generating an initial resource conversion hosting protocol in one embodiment;

FIG. 5 is a flow diagram of virtual resource extraction in one embodiment;

FIG. 6 is a flow diagram of canceling resource translation escrow in one embodiment;

FIG. 7 is an application architecture diagram of a virtual resource hosting method of real estate inventory in one embodiment;

FIG. 8 is a state flow diagram of a virtual resource storage sub-account in one embodiment;

FIG. 9 is a flow diagram of a virtual resource hosting method of real estate inventory in one embodiment;

FIG. 10 is a schematic diagram of a communication interaction flow between a client and a server in one embodiment;

FIG. 11 is a block diagram of a resource conversion device in one embodiment;

fig. 12 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The resource conversion method provided by the embodiment of the application can be applied to an application environment shown in figure 1. Wherein the server 101 communicates with the terminal 102 and the terminal 103 via a network. The terminal 102 may be a user terminal that needs to acquire the target real estate resource, and the terminal 103 may be a user terminal that provides the target real estate resource. Specifically, the terminal 102 or the terminal 103 may initiate a resource conversion hosting request for the target real estate resource to the server, and the server 101 may respond to the request to obtain a resource conversion hosting protocol matched with the target real estate resource, and then may detect whether the remaining first virtual resources corresponding to the target real estate resource characterize the completion of the first virtual resource conversion corresponding to the target real estate resource, and if yes, may generate a virtual resource storage sub-account, and transfer the virtual resources corresponding to the stored target real estate resource from the supervision account to the virtual resource storage sub-account. And then, whether the conversion of the second virtual resource corresponding to the target stock real estate resource is completed can be detected, if yes, a virtual resource extraction request initiated by the terminal 103 can be received and responded, so that the virtual resource is transferred from the virtual resource storage sub-account to the supervision account and then to the first user account corresponding to the terminal 103. The terminal 102 and the terminal 103 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices and portable wearable devices, and the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 101 may be implemented as a stand-alone server or as a server cluster composed of a plurality of servers.

In one embodiment, as shown in fig. 2, a resource conversion method is provided, and the method is applied to the server 101 in fig. 1 for illustration, and includes the following steps:

step S201, in response to a resource conversion hosting request for a target real estate resource, acquiring a resource conversion hosting protocol matched with the target real estate resource.

The target real estate resource refers to a real estate resource which needs to be converted by a virtual resource, for example, a house resource which is a stock of a subordinate user, the resource conversion hosting request is a request for hosting a resource conversion process of the virtual resource and the target real estate resource, the resource conversion hosting protocol refers to protocol information corresponding to the resource conversion hosting request, and the protocol information can record property data such as the target real estate resource and virtual resource data which needs to be converted, and the like. Specifically, in the case where the user initiates a resource conversion hosting request for the target stock real estate resource to the server 101 through the terminal 102 or 103 thereof, the server 101 may respond to the request, thereby obtaining a resource conversion hosting protocol corresponding to the resource conversion hosting request, that is, a resource conversion hosting protocol matching the target stock real estate resource.

Step S202, according to a resource conversion hosting protocol, obtaining remaining first virtual resources matched with the target real estate resources, and generating a virtual resource storage sub-account related to the resource conversion hosting protocol under the condition that the remaining first virtual resources represent the first virtual resources corresponding to the target real estate resources.

The remaining first virtual resources refer to the first virtual resources that need to be converted, and the virtual resources used for converting into the target real estate resources may be composed of two parts, namely, the first virtual resources and the second virtual resources, wherein the first virtual resources may be virtual resources that need to obtain the target real estate resources, that is, the user of the terminal 103 is directly transferred to the user providing the target real estate resources, that is, the user of the terminal 102, that is, the first payment resources for the stock house, and the second virtual resources may be virtual resources that need to be transferred to the user of the terminal 102 by the financial institution managing the virtual resources first, and then virtual resources that are in an amount adapted to the second virtual resource part need to be transferred to the financial institution by the user of the terminal 103, that is, the loan resources for the stock house. The virtual resource storage sub-account is a sub-account for temporarily storing virtual resources matched with the target real estate resource, and the sub-account may be obtained by selecting a free sub-account from a plurality of account lists by the server 101.

Specifically, after obtaining the resource conversion hosting protocol, the server 101 may determine, according to the resource conversion hosting protocol, a first virtual resource that is matched with the target real estate resource and needs to be converted, and if the conversion of the first virtual resource corresponding to the target real estate resource is completed by the remaining first virtual resource, for example, if the conversion of the first virtual resource that needs to be converted is 0, i.e. the pay-for-the-use resource is completed, the server 101 may generate a virtual resource storage sub-account related to the resource conversion hosting protocol.

Step S203, transferring the virtual resources to the virtual resource storage sub-account from the supervision account storing the virtual resources corresponding to the target real estate resources, and obtaining second virtual resources corresponding to the target real estate resources.

The supervision account is an account for storing the virtual resource initially, the user of the terminal 103 may transfer the virtual resource to the supervision account, and the user of the terminal 102 may obtain the virtual resource from the supervision account, so as to transfer the virtual resource. Specifically, when the user of the terminal 103 transfers the virtual resource, for example, the first virtual resource, to the supervisory account, and after the generation of the virtual resource storage sub-account is completed, the server 101 may further extract the virtual resource of the above portion from the supervisory account and transfer the virtual resource to the virtual resource storage sub-account, and then may further determine the second virtual resource corresponding to the target real estate resource, that is, determine the loan resource corresponding to the target real estate resource.

In step S204, when the conversion of the second virtual resource is completed, in response to the extraction request for the virtual resource, the virtual resource is transferred from the virtual resource storage sub-account to the supervision account, and the virtual resource is transferred from the supervision account to the first user account providing the target stock real estate resource.

The extraction request refers to a virtual resource extraction request initiated by a user of the terminal 102, and the first user account is a user account of the terminal 102, in this embodiment, if the second virtual resource conversion is completed, for example, the second virtual resource may be 0, that is, the pay-for-the-first resource has completed all the resource conversions, so that in the case that the loan resource is 0, at this time, all the virtual resources corresponding to the target real estate resources are stored in the virtual resource storage sub-account, if the user of the terminal 102 initiates the virtual resource extraction request, the server 101 may respond to the request, first transfer the virtual resources stored in the virtual resource storage sub-account to the supervision account, and then transfer the virtual resources to the user account of the terminal 102 by the supervision account, that is, the first user account providing the target real estate resources.

In the resource conversion method, a resource conversion hosting protocol matched with the target stock real estate resource is acquired in response to a resource conversion hosting request aiming at the target stock real estate resource; according to the resource conversion hosting protocol, obtaining the remaining first virtual resources matched with the target stock real estate resources, and generating a virtual resource storage sub-account related to the resource conversion hosting protocol under the condition that the remaining first virtual resources represent the first virtual resources corresponding to the target stock real estate resources; transferring the virtual resources to a virtual resource storage sub-account from a supervision account for storing the virtual resources corresponding to the target real estate resources, and acquiring second virtual resources corresponding to the target real estate resources; and under the condition that the conversion of the second virtual resource is completed, responding to the extraction request for the virtual resource, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the first user account for providing the target stock real estate resource. The application responds to the resource conversion hosting request of the target real estate resource initiated by the user, thereby obtaining the resource conversion hosting protocol corresponding to the target real estate resource, and using the protocol to obtain the remaining first virtual resource of the target real estate resource, and if the remaining first virtual resource characterizes that the first virtual resource is converted, a corresponding virtual resource storage sub-account number can be generated, and the virtual resource is transferred to the virtual resource storage sub-account number from the supervision account number for storing the virtual resource corresponding to the target real estate resource, and whether the second virtual resource is converted is determined, if yes, the virtual resource in the virtual resource storage sub-account number can be transferred to the supervision account number under the condition of receiving the virtual resource extraction request, and then is transferred to the first user account number for providing the target real estate resource.

In one embodiment, as shown in fig. 3, before step S201, the method may further include:

in step S301, in response to the user registration request, an initial resource conversion hosting protocol for the target stock real estate resource is generated, and a protocol number associated with the initial resource conversion hosting protocol is generated.

The initial resource conversion hosting protocol refers to a resource conversion hosting protocol which does not carry a user signature and an electronic seal, and in this embodiment, the resource conversion hosting protocol may include the user signature and the electronic seal, where the user signature refers to the signatures of two users who perform target stock real estate resource conversion, and the electronic seal may be a seal picture of a financial institution where the administrative account is located. Protocol encoding is the numbering information used to uniquely identify the resource translation hosting protocol.

Specifically, before the user performs the resource conversion hosting for the target real estate resource, the user registration request needs to be triggered, and the server 101 may respond to the registration request to generate an initial resource conversion hosting protocol for the target real estate resource, and a protocol number that uniquely identifies the protocol.

Step S302, an electronic signature interface is called, a user electronic signature picture associated with a target stock real estate resource is obtained, a user signature position preset in an initial resource conversion hosting protocol is set, and the user electronic signature picture is added.

The user signature location refers to a location in the resource conversion hosting protocol for filling in a user signature, in this embodiment, the server 101 may generate a drawing board in the terminal 102 or 103, and the user may perform an electronic signature in the drawing board of the terminal 102 or 103, and then may call the electronic signature interface, so as to obtain the above-mentioned electronic signature picture. And then, the electronic signature pictures can be synthesized at the preset user signature positions in the resource conversion hosting protocol, so that the addition of the electronic signature pictures of the user is realized.

Step S303, calling an electronic seal interface, obtaining an organization electronic seal picture of a financial institution corresponding to the supervision account, adding the organization electronic seal picture in an initial resource conversion hosting protocol added with the user electronic signature picture, and generating a resource conversion hosting protocol matched with the target stock real estate resource.

After the addition of the electronic signature of the user is completed, the server 101 may also call the electronic seal interface to obtain an electronic seal image of a financial institution corresponding to the supervision account, and add the electronic seal image of the institution in the initial resource conversion hosting protocol added with the electronic signature image of the user, so that the person generates a resource conversion hosting protocol matched with the target stock real estate resource.

Step S201 may further include: responding to a resource conversion hosting request, and acquiring a protocol number carried in the resource conversion hosting request; and acquiring a resource conversion hosting protocol associated with the protocol number according to the protocol number.

After the generation of the resource conversion hosting protocol is completed, the protocol number can be uniquely bound to the protocol, so that the server 101 can query the resource conversion hosting protocol associated with the protocol number based on the protocol number by carrying the protocol number in the resource conversion hosting request initiated by the user.

In this embodiment, the resource conversion hosting protocol and the protocol number of the resource conversion hosting protocol can be generated by using the user electronic signature picture provided by the electronic signature interface and the institution electronic seal picture of the financial institution corresponding to the supervision account provided by the electronic seal interface when the user registration is performed, so that the server 101 can complete the resource conversion hosting protocol query by using the protocol number in the resource conversion hosting request, and by this way, the efficiency of generating and acquiring the resource conversion hosting protocol can be improved.

Further, as shown in fig. 4, step S301 may further include:

in step S401, in response to the user registration request, a resource conversion contract number and a management institution number corresponding to the target stock real estate resource are acquired from the user registration request.

The resource conversion contract number refers to a number of a resource conversion contract, which is a contract signed by a user of the terminal 102 and a user of the terminal 103 for converting the virtual resource into the target real estate resource, and the administrative number is a number of an administrative authority for managing the target real estate resource, for example, may be a structure number of a certain house administrative authority. The server 101 may extract the resource conversion contract number from the user registration request after responding thereto, and manage the management organization number corresponding to the target stock real estate resource.

Step S402, obtaining a management mechanism data link matched with the management structure number, and obtaining resource conversion contract data matched with the resource conversion contract number and property right evidence data of the target stock real estate resource through the management mechanism data link;

step S403, generating an initial resource conversion hosting protocol for the target stock real estate resource by using the resource conversion contract data and the property evidence data.

The management mechanism data link refers to a data link for connecting the management mechanism database, after the server 101 obtains the management structure number, the corresponding management mechanism data link can be determined by using the corresponding relationship between the different management structure numbers and the management mechanism data link, and the management mechanism database is connected through the data link, so that the resource conversion contract number is utilized to query the matched property evidence data of the target real estate resource and the initial resource conversion hosting protocol of the target real estate resource.

In this embodiment, the server 101 may further determine the administrative data link by using the administrative number included in the user registration request, and obtain the matched resource conversion contract data and the title certification data of the target real estate resource by using the administrative data link and the resource conversion contract number included in the user registration request, so as to generate the initial resource conversion hosting protocol of the target real estate resource by using the data.

In one embodiment, step S202 may further include: according to the resource conversion hosting protocol, virtual resources to be converted corresponding to the target stock real estate resources are obtained; the virtual resource to be converted consists of a first virtual resource and a second virtual resource; obtaining a converted first virtual resource; and obtaining the remaining first virtual resources according to the virtual resources to be converted, the converted first virtual resources and the second virtual resources.

The virtual resource to be converted refers to a virtual resource for converting a target stock real estate resource, for example, the virtual resource to be converted may be a total price of a stock house to be purchased, and the virtual resource to be converted is composed of a first virtual resource and a second virtual resource, for example, the first virtual resource may be a pay-for-first resource of the stock house, and the second virtual resource may be a loan resource of the stock house. The converted first virtual resource refers to a first virtual resource that has been transferred, and in this embodiment, the first virtual resource may be transferred in multiple times, so there may be a converted first virtual resource.

Specifically, the resource conversion hosting protocol may record a virtual resource to be converted, and after obtaining the resource conversion hosting protocol, the server 101 may determine the virtual resource to be converted corresponding to the target stock real estate resource from the virtual resource to be converted, and may obtain the converted first virtual resource, for example, may be obtained by querying a resource transfer record, so that the converted first virtual resource and the second virtual resource are subtracted from the virtual resource to be converted, to obtain the remaining first virtual resource.

In this embodiment, the server 101 may further obtain the remaining first virtual resources according to the virtual resources to be converted corresponding to the target real estate resources recorded in the resource conversion hosting protocol and the converted first virtual resources, and by this way, the obtaining efficiency of the remaining first virtual resources may be improved.

In one embodiment, step S202 may further include: under the condition that the remaining first virtual resources return to zero, determining that the first virtual resources are converted, generating virtual resource storage sub-accounts, and setting the account states of the virtual resource storage sub-accounts to enabled states; after step S203, it may further include: switching the account state of the virtual resource storage sub-account from the enabled state to a state representing the partial conversion of the resource; and under the condition that the second virtual resource returns to zero, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of representing the partial conversion of the resource to the state of representing the completion of the conversion of the resource.

In this embodiment, if the remaining first virtual resources are zeroed, that is, the remaining pay-for-sale resources to be transferred are 0, it may be determined that the first virtual resources have been converted, and the server 101 may generate the virtual resource storage sub-account, and set the account state of the virtual resource storage sub-account to an enabled state. Then, the server 101 may acquire the virtual resource storage sub-account with the enabled state, for example, the virtual resource storage sub-account with the enabled state may be scanned by the timing task, so that the virtual resource corresponding to the stored target real estate resource is transferred to the virtual resource storage sub-account from the monitored account storing the virtual resource corresponding to the target real estate resource, which is the first virtual resource at this time, and the account state of the virtual resource storage sub-account may be switched from the enabled state to the state representing the partial conversion of the resource. Meanwhile, the server 101 may further determine whether the second virtual resource, that is, the loan resource is zero, if yes, it indicates that the user does not have the loan resource, and after transferring the first-payment resource, the user has completed the conversion of all the virtual resources, so that the target real estate resource has been completed through the conversion of the virtual resource, and therefore, the server 101 may further switch the account state of the virtual resource storage sub-account from the state of representing the partial conversion of the resource to the state of representing the completion of the conversion of the resource.

In this embodiment, the server 101 may further set a plurality of account states of the virtual resource storage sub-account after the virtual resource storage sub-account is built, and switch the account states when the virtual resource storage sub-account is in different conditions, so as to further improve the intelligence of the virtual resource storage sub-account on virtual resource management.

In addition, the resource conversion method may further include: under the condition that the second virtual resource is not zeroed, calling a query interface of a financial institution corresponding to the supervision account to acquire a resource issuing state of the financial structure for the second virtual resource; and under the condition that the resource release state represents that the second virtual resource is released, transferring the second virtual resource to the virtual resource storage sub-account from the supervision account, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of representing the partial conversion of the resource to the state of representing the completion of the conversion of the resource.

If the second virtual resource is not zeroed, that is, it indicates that there is a loan resource, that is, the first virtual resource cannot be completely equal to the virtual resource to be converted corresponding to the target stock real estate resource, in this case, the second virtual resource needs to be provided by the financial institution corresponding to the supervision account number temporarily, and the resource issuing state is the issuing state of the financial structure for the second virtual resource,

Specifically, if the second virtual resource is not zeroed, the server 101 may invoke, by means of a timing task, a query interface of a financial institution corresponding to the supervisory account number to query whether the financial structure performs resource issuing with respect to the second virtual resource, that is, query a resource issuing state of the second virtual resource, and if the resource issuing state indicates that the second virtual resource is issued, that is, the financial institution corresponding to the supervisory account number performs issuing, the server 101 may further transfer the second virtual resource from the supervisory account number to the virtual resource storage sub-account number, and at this time, the virtual resource storage sub-account number may carry the first virtual resource and the second virtual resource at the same time, so that it may be determined that the second virtual resource is also converted, and thus the account number state of the virtual resource storage sub-account number is switched from the state that characterizes the resource conversion partially to the state that characterizes the resource conversion is completed.

In this embodiment, if the second virtual resource is not zeroed, the server 101 may also query the resource issuing status of the second virtual resource through a query interface of a financial institution corresponding to the supervisory account, and if issued, may switch the account status of the virtual resource storage sub-account to a status that the resource conversion is completed.

In one embodiment, as shown in fig. 5, step S204 may further include:

in step S501, when detecting that the account status of the virtual resource storage sub-account is a status indicating that the resource conversion is completed, face image information of the extraction user triggering the extraction request is obtained in response to the extraction request.

If the server 101 detects that the account status of the virtual resource storage sub-account is a status representing that the conversion of the resource is completed, that is, if the virtual resource storage sub-account already stores the virtual resource to be converted corresponding to the target real estate resource, if the user initiates an extraction request for the virtual resource, in order to ensure the security of virtual resource extraction, the server 101 may also call face recognition software to obtain face image information of the extraction user initiating the extraction request.

Step S502, obtaining a user verification result of the extracted user according to the face image information, and obtaining a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the extraction request under the condition that the user verification result characterizes the extracted user as the user corresponding to the first user account.

The user verification result refers to a face recognition verification result of the extracted user, and if the verification result characterizes that the extracted user is the user corresponding to the first user account, that is, the user providing the target real estate resource, the server 101 may further obtain the number of the management mechanism for managing the target real estate resource and the real estate number corresponding to the target real estate resource from the extraction request.

Step S503, based on the administrative organization number and the real estate number, the attribution user information of the target stock real estate resource is obtained.

The attribution user information refers to property attribution information of the target stock real estate resource, and when the attribution user information is obtained from the administrative organ number and the real estate number, the server 101 can obtain attribution user information of the target stock real estate resource by using the numbers, for example, the attribution user information of the target stock real estate resource can be obtained by firstly using the administrative organ number to obtain a matched administrative organ data link, connecting an administrative organ database for managing the target stock real estate resource through the administrative organ data link, and then querying the administrative organ database by using the real estate number.

Step S504, when the attribution user information characterizes that the target stock real estate resource is transferred to the user corresponding to the second user account by the user corresponding to the first user account, the virtual resource is transferred to the supervision account from the virtual resource storage sub-account; the second user account is a user account of the target stock real estate resource to be obtained.

If the attribution user information characterizes the target stock real estate resource, the user corresponding to the original first user account is transferred to the user corresponding to the second user account, namely, to the user needing to acquire the target stock real estate resource, namely, the user needing to be converted into the target stock real estate resource through the virtual resource, at the moment, the attribution user of the target stock real estate resource is indicated to have changed, and then the server 101 can transfer the virtual resource from the virtual resource storage sub-account to the supervision account and then from the supervision account to the first user account.

In this embodiment, if the account state of the virtual resource storage sub-account is a state representing that the resource conversion is completed, if the user performs virtual resource extraction, face recognition verification can be performed on the virtual resource storage sub-account, and after the verification is passed, judgment of the home subscriber information is performed, and only after the judgment of the home subscriber information is passed, virtual resource transfer is performed, so that the security of virtual resource transfer can be further ensured.

In one embodiment, after step S204, the method may further include: switching the account state of the virtual resource storage sub-account into a state representing that the resources are extracted, and acquiring virtual resource transfer time for transferring the virtual resources to the first user account; and under the condition that the time interval between the current time and the virtual resource transfer time exceeds a preset time interval threshold, switching the account state of the virtual resource storage sub-account from the state of representing extracted resources to an initialization state at the current time, and canceling the association with the resource conversion hosting protocol.

If the virtual resource is extracted by the user corresponding to the first user account, the server 101 may switch the account state of the virtual resource storage sub-account to a state representing that the resource is extracted, and then may record the time when the virtual resource is transferred to the first user account, that is, the virtual resource transfer time.

The server 101 may then query, through a timing task, whether the time interval between the current time and the virtual resource transfer time exceeds a preset time interval threshold, for example, the preset time interval threshold may be 7 days, that is, if the time interval between the current time and the virtual resource transfer time has exceeded 7 days, the account state of the virtual resource storage sub-account may be switched from the state in which the characterizing resource has been extracted to the initialized state at the current time, and the association between the virtual resource storage sub-account and the resource conversion hosting protocol may be cleared.

In this embodiment, if the virtual resource has been transferred to the first user account, the server 101 may further switch the account state of the virtual resource storage sub-account to a state representing that the resource has been extracted, and if the time interval between the current time and the virtual resource transfer time exceeds the preset time interval threshold, may further switch the account state of the virtual resource storage sub-account from the state representing that the resource has been extracted to an initialization state, and cancel the association with the resource conversion hosting protocol.

In one embodiment, as shown in fig. 6, after the account state of the virtual resource storage sub-account is switched from the enabled state to the state of characterizing the resource part transition, the method further includes:

in step S601, face image information of a cancellation user that triggers a cancellation request is acquired in response to the cancellation request for the resource conversion hosting request.

In this embodiment, if a request for canceling the resource conversion hosting service is received from a user, in order to ensure the validity of the request, the user who initiates the cancellation request needs to be authenticated first, so as to obtain a face image of the canceling user.

Step S602, obtaining a user verification result of a cancelling user according to the face image information, and obtaining a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the cancelling request under the condition that the user verification result represents the user corresponding to the user account related to the resource conversion hosting request by the cancelling user;

Step S603, acquiring the attribution user information of the target stock real estate resource based on the management institution number and the real estate number.

Then, the user verification result of the canceling user may be obtained according to the face image, similar to step S502 and step S503, if the verification result characterizes that the extracting user is the user corresponding to the user account related to the resource conversion hosting request, the user corresponding to the first user account may be the user providing the target stock real estate resource, or the user corresponding to the second user account may be the user needing to obtain the target stock real estate resource, the server 101 may further obtain the number of the management mechanism for managing the target stock real estate resource and the real estate number corresponding to the target stock real estate resource from the extracting request, so as to obtain the attribution user information of the target stock real estate resource by using the number.

Step S604, under the condition that the attribution user information characterizes that the target stock real estate resource is attributed to the user corresponding to the first user account, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the second user account; the second user account is a user account of the target stock real estate resource to be obtained.

If the attribution user information indicates that the target stock real estate resource is not transferred, that is, the attribution user information still belongs to the user corresponding to the first user account, that is, the resource conversion service is cancelled, the server 101 may transfer the virtual resource from the virtual resource storage sub-account to the supervision account, and then return the virtual resource from the supervision account to the second user account.

In this embodiment, if the resource conversion hosting request is cancelled, the server 101 may perform face recognition verification on the cancelling user first, and then perform judgment on the home subscriber information after the verification is passed, and may return the virtual resource to the second user account only if the home subscriber information is unchanged, so that the security of virtual resource transfer may be further ensured.

In one embodiment, there is also provided a virtual resource hosting method for stock real estate, as shown in fig. 7, which may include: the transaction center receives the user request, identifies the user identity, controls the user authority, schedules the resource service and the accounting service.

(1) Transaction center

Receiving registration requests of both parties, calling resource service, loading network sign contract and real property right data, checking, filling user basic information and pre-generating pdf files; and receiving a customer and seller hosting request, collecting data such as hosting virtual resources, loan resources, seller account numbers and the like, calling an electronic signature interface to complete user signature, calling a pdf service to combine the signature pictures and pre-generate a pdf file, and modifying a hosting protocol to be effective. Receiving a user resource payment request, providing inquiry, resource deduction and result notification services, and logging stream data; receiving a user resource extraction request, calling face recognition software to drive a user camera, collecting face pictures, calling a face verification interface to verify the identity of a user, calling a resource service to obtain real estate proof data, verifying that a person with a real estate proof authority has changed to a buyer, calling a transfer service to pay virtual resources corresponding to the real estate, and changing a hosting protocol into a transacted one.

(2) Resource center

And selecting a corresponding access link and interface according to the number of the real estate management mechanism in the request to establish an effective http channel, acquiring web sign contract data and real estate certificate data, and processing and storing the returned data to generate unified standard real estate certificate data and web sign contract data.

(3) Fund center

Providing account distribution service, inquiring a sub-account in an initialization state according to a supervision account, selecting a first sub-account, and establishing a relation with a hosting protocol, wherein the sub-account is started; the timing task transfers the account transferring interface, transfers the first-payment resources from the supervision account to the virtual resource storage sub-account, and the state is that the first-payment resources are partially paid; the timing task calls a borrowing inquiry interface and an account transaction detail inquiry interface, verifies a resource issuing result and invokes an account transferring interface, and transfers loan resources from a supervision account to a sub-account in a state that payment is completed; and providing a transfer service, namely transferring the resources from the resource storage sub-account to the supervision account, and then transferring the resources from the supervision account to the user account, wherein the sub-account state is set to be the extraction completion, and the circulation state of the sub-account can be shown as shown in fig. 8.

The specific flow of the method is shown in fig. 9, and the communication interaction process between the client and the server is shown in fig. 10, and specifically comprises the following steps:

1. Receiving a user registration request, selecting a corresponding data link to access the real estate management organization according to the web sign contract number and the real estate management organization number in the request, acquiring web sign contract data and real estate proof data, storing the web sign contract data and the real estate proof data into a database, assembling hosting agreement data containing both resource conversion parties, and returning a unique hosting agreement number.

2. Receiving a user hosting request, recording data such as virtual resources, loan resources, accounts for virtual resources received by sellers, calling ShowHtmlAndWaitSignCssp interfaces to generate drawing boards, calling SignCssp electronic signature interface screenshots to generate signature pictures sign, png, obtaining preset signature position coordinates (X, Y), calling SealPdaf methods to synthesize the signature pictures onto pdf template files according to coordinate parameters, calling electronic seal interfaces to obtain electronic seal pictures of financial institutions corresponding to supervision accounts, synthesizing signatures, and stamping protocol files.

3. And receiving a user virtual resource payment inquiry request, inquiring a virtual resource payment record and a hosting protocol according to the hosting protocol number and the user role in the request, calculating a to-be-paid resource (the hosting resource minus the loan resource and the paid and stored resource), returning resource payment data and real estate data, and calling a resource payment service.

4. Receiving a resource payment notification message, recording database flow data, calculating the residual resources to be paid, if the residual resources to be paid are 0, completing pay-per-pay payment, randomly selecting a free sub-account from an account list, recording the association relation between the sub-account and a hosting protocol, and marking the sub-account as enabled;

5. the method comprises the steps of scanning a virtual resource storage sub-account by a timing task to be enabled data, calling a transfer interface to transfer a first payment fund from a supervision account to the virtual resource storage sub-account, and modifying the state of the sub-account to be partially paid; judging whether the loan resource is 0, if the loan resource is 0, directly changing the state of the sub-account into the completion of payment;

6. The method comprises the steps of scanning a hosting protocol with loan resources not being 0 by a timing task, calling a general house loan borrowing inquiring interface, calling a transfer interface to transfer loan funds from a supervision account to a virtual resource storage sub-account if the borrowing state is that the loan is paid and the supervision account has the account-depositing data, and changing the state of the virtual resource storage sub-account to be payment completion;

7. Receiving a user resource extraction request, calling a face recognition side sdk according to a user role in the request, driving a user side camera, collecting a user face picture, calling entityauth face verification interface to send face picture base photograph data and a user identity card number, and verifying whether the current user is consistent with a hosting protocol.

8. According to the real estate management organization number and the real estate number in the resource extraction request, acquiring real estate certificate data, judging that the attribution is a virtual resource provider and is originally the real estate provider, if the attribution is satisfied, calling a transfer interface to transfer virtual resources from a virtual resource storage sub-account to a supervision account, then transferring the virtual resources from the supervision account to a user virtual resource account, marking the state of the sub-account as partial payment, and if the residual extraction resources are 0, marking the state of the sub-account as extraction completion.

9. And receiving a user hosting cancellation request, verifying the face in step 7, acquiring real property evidence data according to the real property management mechanism number and the real property number in the resource extraction request, returning the hosting funds to the supervision account if the attribution is a person providing the real property, returning the virtual resource provider in the original path, and changing the state of the sub-account to be the completion of extraction.

10. The state of the sub-account is scanned by the timing task, the payment date is subtracted from the current date, if the result is more than 7, the state of the sub-account is initialized, and the association with the hosting protocol is cleared.

In the embodiment, the method for converting the stock real estate resources is provided, and the method does not need users to go to different management departments on line to repeatedly submit materials and transact in the home to improve the efficiency of converting the real estate resources.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource conversion device for realizing the above-mentioned resource conversion method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in the embodiments of one or more resource conversion devices provided below may refer to the limitation of the resource conversion method hereinabove, and will not be repeated herein.

In one embodiment, as shown in fig. 11, there is provided a resource conversion device including: a hosting protocol acquisition module 1101, a first resource processing module 1102, a second resource processing module 1103, and a virtual resource transfer module 1104, wherein:

a hosting protocol acquisition module 1101, configured to acquire a resource conversion hosting protocol matched with a target stock real estate resource in response to a resource conversion hosting request for the target stock real estate resource;

The first resource processing module 1102 is configured to obtain, according to a resource conversion hosting protocol, a remaining first virtual resource that matches a target real estate resource, and generate a virtual resource storage sub-account related to the resource conversion hosting protocol when the remaining first virtual resource characterizes that conversion of the first virtual resource corresponding to the target real estate resource is completed;

The second resource processing module 1103 is configured to transfer the virtual resource to the virtual resource storage sub-account from the supervisory account storing the virtual resource corresponding to the target real estate resource, and obtain a second virtual resource corresponding to the target real estate resource;

And the virtual resource transferring module 1104 is configured to transfer, in response to the extraction request for the virtual resource, the virtual resource from the virtual resource storage sub-account to the supervisory account, and transfer the virtual resource from the supervisory account to the first user account providing the target storage real estate resource, where the second virtual resource conversion is completed.

In one embodiment, the hosting protocol acquisition module 1101 is further configured to generate an initial resource conversion hosting protocol for the target real estate resource in response to the user registration request, and generate a protocol number associated with the initial resource conversion hosting protocol; calling an electronic signature interface, acquiring a user electronic signature picture associated with a target stock real estate resource, and adding the user electronic signature picture at a user signature position preset in an initial resource conversion hosting protocol; invoking an electronic seal interface, acquiring an organization electronic seal picture of a financial institution corresponding to a supervision account, adding the organization electronic seal picture in an initial resource conversion hosting protocol added with a user electronic signature picture, and generating a resource conversion hosting protocol matched with a target stock real estate resource; responding to a resource conversion hosting request, and acquiring a protocol number carried in the resource conversion hosting request; and acquiring a resource conversion hosting protocol associated with the protocol number according to the protocol number.

In one embodiment, the hosting protocol obtaining module 1101 is further configured to obtain, in response to a user registration request, a resource conversion contract number and a management institution number corresponding to the target stock real estate resource from the user registration request; acquiring a management mechanism data link matched with the management structure number, and acquiring resource conversion contract data matched with the resource conversion contract number and property right evidence data of the target stock real estate resource through the management mechanism data link; and generating an initial resource conversion hosting agreement of the target stock real estate resource by utilizing the resource conversion contract data and the property evidence data.

In one embodiment, the first resource processing module 1102 is further configured to obtain, according to a resource conversion hosting protocol, a virtual resource to be converted corresponding to the target real estate resource; the virtual resource to be converted consists of a first virtual resource and a second virtual resource; obtaining a converted first virtual resource; and obtaining the remaining first virtual resources according to the virtual resources to be converted, the converted first virtual resources and the second virtual resources.

In one embodiment, the first resource processing module 1102 is further configured to determine that the conversion of the first virtual resource is completed and generate a virtual resource storage sub-account, and set an account status of the virtual resource storage sub-account to an enabled status, in a case where the remaining first virtual resource is zeroed; the second resource processing module 1103 is further configured to switch the account state of the virtual resource storage sub-account from the enabled state to a state that characterizes the partial conversion of the resource; and under the condition that the second virtual resource returns to zero, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of representing the partial conversion of the resource to the state of representing the completion of the conversion of the resource.

In an embodiment, the second resource processing module 1103 is further configured to, when the second virtual resource is not zeroed, call a query interface of a financial institution corresponding to the supervisory account number, and obtain a resource issuing state of the financial structure for the second virtual resource; and under the condition that the resource release state represents that the second virtual resource is released, transferring the second virtual resource to the virtual resource storage sub-account from the supervision account, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of representing the partial conversion of the resource to the state of representing the completion of the conversion of the resource.

In one embodiment, the virtual resource transfer module 1104 is further configured to, in response to the extraction request, obtain face image information of the extraction user that triggers the extraction request when it is detected that the account state of the virtual resource storage sub-account is a state that characterizes completion of resource conversion; acquiring a user verification result of the extracted user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the extraction request under the condition that the user verification result characterizes the extracted user as the user corresponding to the first user account; acquiring attribution user information of the target stock real estate resources based on the management institution number and the real estate number; under the condition that attribution user information characterizes that a user corresponding to a first user account of a target stock real estate resource is transferred to a user corresponding to a second user account, virtual resources are transferred to a supervision account from a virtual resource storage sub-account; the second user account is a user account of the target stock real estate resource to be obtained.

In one embodiment, the virtual resource transfer module 1104 is further configured to switch the account state of the virtual resource storage sub-account to a state that characterizes that the resource has been extracted, and obtain a virtual resource transfer time when the virtual resource is transferred to the first user account; and under the condition that the time interval between the current time and the virtual resource transfer time exceeds a preset time interval threshold, switching the account state of the virtual resource storage sub-account from the state of representing extracted resources to an initialization state at the current time, and canceling the association with the resource conversion hosting protocol.

In one embodiment, the resource conversion device further includes: the resource hosting cancellation module is used for responding to a cancellation request aiming at the resource conversion hosting request and acquiring face image information of a cancellation user triggering the cancellation request; acquiring a user verification result of the canceling user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the canceling request under the condition that the user verification result represents the canceling user corresponding to the user account related to the resource conversion hosting request; acquiring attribution user information of the target stock real estate resources based on the management institution number and the real estate number; under the condition that the attribution user information characterizes that the target stock real estate resource is attributed to the user corresponding to the first user account, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to the second user account; the second user account is a user account of the target stock real estate resource to be obtained.

The respective modules in the above-described resource conversion device may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one exemplary embodiment, a computer device is provided, which may be a server, and the internal structure thereof may be as shown in fig. 12. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing virtual resource data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication 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 conversion method.

It will be appreciated by those skilled in the art that the structure shown in FIG. 11 is merely a block diagram of some of the structures associated with the present inventive arrangements and is not limiting of the computer device to which the present inventive arrangements may be applied, and that a particular computer device may include more or fewer components than shown, or may combine some of the components, or have a different arrangement of components.

In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are both information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to meet the related regulations.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magneto-resistive random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (PHASE CHANGE Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in various forms such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), etc. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

1. A method of resource conversion, the method comprising:

2. The method of claim 1, wherein prior to obtaining a resource conversion hosting protocol that matches a target real estate resource in response to a resource conversion hosting request for the target real estate resource, further comprising:

generating an initial resource conversion hosting protocol for the target stock real estate resource in response to a user registration request, and generating a protocol number associated with the initial resource conversion hosting protocol;

calling an electronic signature interface, acquiring a user electronic signature picture associated with the target stock real estate resource, and adding the user electronic signature picture at a user signature position preset in the initial resource conversion hosting protocol;

Invoking an electronic seal interface, acquiring an organization electronic seal picture of a financial institution corresponding to the supervision account, adding the organization electronic seal picture in an initial resource conversion hosting protocol added with the user electronic signature picture, and generating a resource conversion hosting protocol matched with the target stock real estate resource;

The responding to the resource conversion hosting request for the target real estate resource obtains the resource conversion hosting protocol matched with the target real estate resource, and the method comprises the following steps:

Responding to the resource conversion hosting request, and acquiring a protocol number carried in the resource conversion hosting request;

And acquiring a resource conversion hosting protocol associated with the protocol number according to the protocol number.

3. The method of claim 2, wherein generating an initial resource conversion hosting protocol for the target real estate resource in response to a user registration request comprises:

Responding to the user registration request, and acquiring a resource conversion contract number and a management mechanism number corresponding to the target stock real estate resource from the user registration request;

Acquiring a management mechanism data link matched with the management structure number, and acquiring resource conversion contract data matched with the resource conversion contract number and property right proving data of the target stock real estate resource through the management mechanism data link;

And generating an initial resource conversion hosting agreement of the target stock real estate resource by utilizing the resource conversion contract data and the property evidence data.

4. The method of claim 1, wherein the obtaining remaining first virtual resources that match the target real estate resource according to the resource conversion hosting protocol comprises:

obtaining virtual resources to be converted corresponding to the target stock real estate resources according to the resource conversion hosting protocol; the virtual resource to be converted consists of the first virtual resource and the second virtual resource;

Obtaining a converted first virtual resource;

And obtaining the residual first virtual resources according to the virtual resources to be converted, the converted first virtual resources and the second virtual resources.

5. The method of claim 1, wherein generating a virtual resource deposit sub-account number associated with the resource conversion hosting protocol if the remaining first virtual resources characterize a first virtual resource conversion for the target real estate resource is complete, comprises:

under the condition that the remaining first virtual resources return to zero, determining that the first virtual resources are converted, generating the virtual resource storage sub-account, and setting the account state of the virtual resource storage sub-account to be an enabled state;

After the transferring the virtual resource to the virtual resource storage sub-account, the method further includes:

Switching the account state of the virtual resource storage sub-account from the enabled state to a state representing the partial conversion of the resource;

And under the condition that the second virtual resource returns to zero, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of the partial conversion of the characterization resource to the state of the completion of the conversion of the characterization resource.

6. The method of claim 5, wherein the method further comprises:

Under the condition that the second virtual resource is not zeroed, calling a query interface of a financial institution corresponding to the supervision account to acquire a resource issuing state of the financial institution for the second virtual resource;

And under the condition that the resource issuing state characterizes that the second virtual resource is issued, transferring the second virtual resource to the virtual resource storage sub-account from the supervision account, determining that the conversion of the second virtual resource is completed, and switching the account state of the virtual resource storage sub-account from the state of the part conversion of the characterization resource to the state of the completion of the conversion of the characterization resource.

7. The method of claim 5, wherein transferring the virtual resource from the virtual resource deposit sub-account to the administrative account in response to the extraction request for the virtual resource comprises:

Under the condition that the account state of the virtual resource storage sub-account is the state representing the completion of resource conversion, responding to the extraction request, and acquiring face image information of an extraction user triggering the extraction request;

Acquiring a user verification result of the extracted user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the extraction request when the user verification result represents that the extracted user is a user corresponding to the first user account;

acquiring attribution user information of the target stock real estate resource based on the management institution number and the real estate number;

Transferring the virtual resources from the virtual resource storage sub-account to the supervision account under the condition that the attribution user information characterizes that the target stock real estate resources are transferred from the user corresponding to the first user account to the user corresponding to the second user account; the second user account is a user account of the target stock real estate resource to be obtained.

8. The method of claim 5, wherein the transferring the virtual resource from the supervisory account number to providing the target stock real estate resource further comprises:

Switching the account state of the virtual resource storage sub-account to a state representing that the resources are extracted, and acquiring virtual resource transfer time for transferring the virtual resources to the first user account;

And under the condition that the time interval between the current time and the virtual resource transfer time exceeds a preset time interval threshold, switching the account state of the virtual resource storage sub-account from the state of representing that the resource is extracted to an initialization state at the current time, and canceling the association with the resource conversion hosting protocol.

9. The method of claim 5, wherein after the switching the account status of the virtual resource deposit sub-account from the enabled status to the status characterizing the resource partial conversion, further comprises:

responding to a cancellation request aiming at the resource conversion hosting request, and acquiring face image information of a cancellation user triggering the cancellation request;

Acquiring a user verification result of the cancelling user according to the face image information, and acquiring a management mechanism number corresponding to the target stock real estate resource and a real estate number corresponding to the target stock real estate resource from the cancelling request under the condition that the user verification result represents that the cancelling user is a user corresponding to a user account related to the resource conversion hosting request;

Under the condition that the attribution user information characterizes that the target stock real estate resource is attributed to a user corresponding to the first user account, transferring the virtual resource from the virtual resource storage sub-account to the supervision account, and transferring the virtual resource from the supervision account to a second user account; the second user account is a user account of the target stock real estate resource to be obtained.

10. A resource conversion apparatus, the apparatus comprising:

11. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 9 when the computer program is executed.

12. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 9.

13. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any one of claims 1 to 9.