CN106330502A - Network resource processing method, device and system - Google Patents
Network resource processing method, device and system Download PDFInfo
- Publication number
- CN106330502A CN106330502A CN201510364892.8A CN201510364892A CN106330502A CN 106330502 A CN106330502 A CN 106330502A CN 201510364892 A CN201510364892 A CN 201510364892A CN 106330502 A CN106330502 A CN 106330502A
- Authority
- CN
- China
- Prior art keywords
- user
- resource
- request
- resource acquisition
- internet resources
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 21
- 230000006854 communication Effects 0.000 claims abstract description 152
- 238000004891 communication Methods 0.000 claims abstract description 148
- 230000004044 response Effects 0.000 claims abstract description 67
- 238000012790 confirmation Methods 0.000 claims abstract description 43
- 238000012545 processing Methods 0.000 claims description 137
- 238000000034 method Methods 0.000 claims description 63
- 230000008569 process Effects 0.000 claims description 29
- 230000000977 initiatory effect Effects 0.000 claims description 20
- 230000001143 conditioned effect Effects 0.000 claims description 16
- 238000011835 investigation Methods 0.000 claims description 5
- 206010048669 Terminal state Diseases 0.000 claims 1
- 238000012546 transfer Methods 0.000 description 17
- 230000006399 behavior Effects 0.000 description 7
- 230000006870 function Effects 0.000 description 6
- 230000005540 biological transmission Effects 0.000 description 3
- 230000008878 coupling Effects 0.000 description 3
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
- 230000009471 action Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012797 qualification Methods 0.000 description 2
- 230000008901 benefit Effects 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 235000013399 edible fruits Nutrition 0.000 description 1
- 208000011580 syndromic disease Diseases 0.000 description 1
- 230000026676 system process Effects 0.000 description 1
Abstract
The invention provides a network resource processing method, device and system. The comprises the following steps: receiving a resource obtaining request initiated by a first user to a second user in a communication session, and sending the resource obtaining request to the second user, wherein the first user and the second user are communication users participating in the communication session; and transferring network resources obtained by the first user to the first user in response to confirmation information of the second user to the resource obtaining request. By adoption of the network resource processing method, device and system provided by the invention, the network resources are transferred between two users, which is helpful to improve the utilization rate of the network resources.
Description
[technical field]
The application relates to Internet technical field, particularly relates to a kind of network resource processing method, device and is
System.
[background technology]
Along with the development of Internet technology, Internet resources are more and more abundanter.There are some Internet resources, several
According to the amount of money in flow, account, various game item or game money etc., it is usually and is used by user oneself.
In actual application, first user is likely not to have the Internet resources that the second user is had, or first user is gathered around
The lazy weight of some Internet resources, to this end, first user can be applied for obtaining the net that the second user is had
Network resource.
In actual application, when carrying out Internet resources transfer between the second user and first user, generally cannot be
Traditional network realizes, or it is the most complicated to realize process, cause Consumer's Experience poor, be unfavorable for net
The transfer among different users of network resource.
[summary of the invention]
The many aspects of the application provide a kind of network resource processing method, Apparatus and system, in order to improve net
The utilization rate of network resource.
The one side of the application, it is provided that a kind of network resource processing method, including:
Receive first user in conversational communication to the second Client-initiated resource acquisition request, and by described money
Source obtains request and is sent to described second user, wherein said first user and described second user for participating in institute
State the communication user of conversational communication；
The confirmation asked described resource acquisition in response to described second user, please by described first user
The Internet resources asking acquisition are transferred to described first user from described second user.
The another aspect of the application, it is provided that a kind of network resource processing method, including:
Obtain first user in conversational communication to the second Client-initiated resource acquisition request；Wherein said
One user and described second user are the communication user participating in described conversational communication；
Described resource acquisition request is sent to communication server, in order to by communication server, described resource is obtained
The request that takes sends to described second user, in order to ask described resource acquisition receiving described second user
Confirmation time, the Internet resources of described first user acquisition request are transferred to institute from described second user
State first user.
The another aspect of the application, it is provided that a kind of communication server, including:
Receiver module, being used for receiving first user please to the second Client-initiated resource acquisition in conversational communication
Asking, wherein said first user and described second user are the communication user participating in described conversational communication；
Sending module, for being sent to described second user by described resource acquisition request, and in response to described
The confirmation that described resource acquisition is asked by the second user, provides the network of described first user acquisition request
Source is transferred to described first user from described second user.
The another aspect of the application, it is provided that a kind of terminal, including:
Acquisition module, is used for obtaining first user and asks to the second Client-initiated resource acquisition at conversational communication；
Wherein said first user and described second user are the communication user participating in described conversational communication；
Sending module, for sending described resource acquisition request to communication server, in order to by Communications service
Described resource acquisition request is sent to described second user by device, in order to receiving described second user to institute
When stating the confirmation of resource acquisition request, by the Internet resources of described first user acquisition request from described the
Two users are transferred to described first user.
The another aspect of the application, it is provided that a kind of Internet resources processing system, including: communication server and end
End, wherein:
Described terminal, being used for obtaining first user please to the second Client-initiated resource acquisition in conversational communication
Ask, described resource acquisition request is sent to described communication server；Wherein said first user and described
Two users are the communication user participating in described conversational communication；
Described communication server, is used for receiving described resource acquisition request, and described resource acquisition request is sent out
Give described second user；And the confirmation described resource acquisition asked in response to described second user,
The Internet resources of described first user acquisition request are transferred to described first user from described second user.
The another aspect of the application, it is provided that a kind of network resource processing method, including:
Internet resources processing means receives the money for initiating resource acquisition to the second user that first user sends
Source obtains the request of initiation；
Described Internet resources processing means judges whether described first user meets default resource acquisition condition；
If the determination result is YES, described Internet resources processing means to described second user send resource acquisition please
Ask, obtain the Internet resources of described second user with application；
Described Internet resources processing means receives the resource acquisition that described second user returns and comes into force response；
Described Internet resources processing means comes into force response according to described resource acquisition, by described first user application
The target network resource obtained is transferred to described first user from described second user.
The another aspect of the application, it is provided that a kind of Internet resources processing means, including:
Receiver module, for receiving the resource for initiating resource acquisition to the second user that first user sends
Obtain the request of initiation；
Judge module, for judging whether described first user meets default resource acquisition condition；
Sending module, for when the judged result of described judge module is for being, sends to described second user
Resource acquisition is asked, and obtains the Internet resources of described second user with application；
Described receiver module is additionally operable to, and receives the resource acquisition that described second user returns and comes into force response；
Shift module, for coming into force response according to described resource acquisition, by the target of described first user application
Internet resources are transferred to described first user from described second user.
The another aspect of the application, it is provided that a kind of Internet resources processing system, including: first terminal, second
Terminal and Internet resources processing means；
Described first terminal, sends out to the second user for sending first user to described Internet resources processing means
Request is initiated in the resource acquisition playing resource acquisition；
Described Internet resources processing means, for receiving what described first user was sent by described first terminal
Request is initiated in described resource acquisition, it is judged that whether described first user meets default resource acquisition condition；If
Judged result is yes, sends resource acquisition request to described second terminal, obtains described second user with application
Internet resources；Receive the resource acquisition that described second user returned by described second terminal to come into force response；
Come into force response according to described resource acquisition, by the target network resource of described first user application from described second
User is transferred to described first user；
Described second terminal, comes into force response for sending described resource acquisition to described Internet resources processing means.
Internet resources transfer among different users effectively can be processed by the application, use can be improved
The experience at family.
[accompanying drawing explanation]
For the technical scheme being illustrated more clearly that in the embodiment of the present application, below will be to embodiment or existing skill
In art description, the required accompanying drawing used is briefly described, it should be apparent that, the accompanying drawing in describing below
It is some embodiments of the application, for those of ordinary skill in the art, is not paying creative work
On the premise of property, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
The schematic flow sheet of the network resource processing method that Fig. 1 provides for the application one embodiment；
The schematic flow sheet of the network loaning bill method that Fig. 2 provides for the application one embodiment；
The schematic flow sheet of the network resource processing method that Fig. 3 provides for another embodiment of the application；
The schematic flow sheet of the network resource processing method that Fig. 4 provides for the another embodiment of the application；
The structural representation of the Internet resources processing means that Fig. 5 provides for the application one embodiment；
The structural representation of the Internet resources processing means that Fig. 6 provides for another embodiment of the application；
The structural representation of the Internet resources processing system that Fig. 7 provides for the application one embodiment；
The structural representation of the Internet resources processing system that Fig. 8 provides for another embodiment of the application；
Fig. 9 is the structural representation of the another Internet resources processing system implementing to provide of the application；
Figure 10 is the structural representation of the another Internet resources processing system implementing to provide of the application；
The structural representation of the communication server that Figure 11 provides for the application one embodiment；
The structural representation of the terminal that Figure 12 provides for the application one embodiment.
[detailed description of the invention]
For making the purpose of the embodiment of the present application, technical scheme and advantage clearer, below in conjunction with the application
Accompanying drawing in embodiment, is clearly and completely described the technical scheme in the embodiment of the present application, it is clear that
Described embodiment is some embodiments of the present application rather than whole embodiments.Based in the application
Embodiment, those of ordinary skill in the art obtained under not making creative work premise all its
His embodiment, broadly falls into the scope of the application protection.
In prior art, if first user needs to use to the second user or obtain Internet resources, it is impossible to
Effectively carrying out the transfer processing of Internet resources, Consumer's Experience is poor；It addition, the second user may be to first
There are some misgivings in user, is therefore not intended to one's own Internet resources are supplied to first user, therefore,
First user cannot successfully obtain the Internet resources of the second user, to such an extent as to first user does not has enough networks
Resource can be used, and the Internet resources of the second user are in idle state, causes network resource utilization relatively low.
In consideration of it, the network resource processing method that the application provides can effectively realize the Internet resources between different user
Transfer.Illustrate with different embodiments separately below.
The schematic flow sheet of the network resource processing method that Fig. 1 provides for the application one embodiment.Such as Fig. 1 institute
Showing, the method includes:
101, Internet resources processing means receives the money initiating resource acquisition to the second user that first user sends
Source obtains the request of initiation.
102, Internet resources processing means judges whether first user meets default resource acquisition condition.
103, if the determination result is YES, Internet resources processing means sends resource acquisition request to the second user,
The Internet resources of the second user are obtained with application.
104, Internet resources processing means receives the resource acquisition that the second user returns and comes into force response.
105, Internet resources processing means comes into force response according to resource acquisition, by the target network of first user application
Network resource is transferred to first user from the second user.
The present embodiment provides a kind of network resource processing method, in order to realize the network money between user and user
The transfer in source, specifically can be performed by Internet resources processing means.
Concrete, if first user wishes to obtain the Internet resources of the second user, can be by its terminal to net
Network resource processing means sends resource acquisition and initiates request, to initiate resource acquisition to the second user；Network provides
Source processing means receives the resource acquisition initiation request that first user sends, and initiates request according to this resource acquisition,
Know that first user wishes to obtain the Internet resources of the second user, then start the follow-up behaviour that Internet resources obtain
Make.The subsequent operation that Internet resources obtain mainly includes following operation:
Internet resources processing means judges whether first user meets default resource acquisition condition, if judging knot
Fruit is yes, it is meant that first user can be applied for obtaining Internet resources, then to the second user to the second user
Transmission resource acquisition is asked, and obtains the Internet resources of the second user with application.Internet resources processing means is to
Two users send resource acquisition request, actually send resource acquisition request to the terminal of the second user.Right
For second user, receive, by its terminal, the resource acquisition request that Internet resources processing means sends, for
Resource acquisition request returns resource acquisition and comes into force response so that Internet resources processing means is by first user application
Internet resources, transfer to first user from the second user, complete Internet resources acquisition operation.
What deserves to be explained is, owing to first user is the user meeting resource acquisition condition, belong to secure user,
For the second user, can know which user applies for obtaining Internet resources, the i.e. second user can
So that first user need not be known, more first user too much need not be understood, but receive resource acquisition
After request, directly resource acquisition request is confirmed, i.e. return resource acquisition to Internet resources processing means
Come into force response so that Internet resources processing means can be by the target network resource of first user application from second
User is transferred to first user.
Optionally, the second user can also judge whether first user meets default resource bid condition, if
First user meets default resource bid condition, provides Internet resources with purpose first user, and then second
User returns resource acquisition by its terminal to Internet resources processing means and comes into force response.Internet resources process dress
Put and receive the resource acquisition that the second user returns and come into force response, know that the second user agrees to offer Internet resources,
Come into force response thus according to resource acquisition, the target network resource of first user application is shifted from the second user
To first user, complete the acquisition operation of Internet resources.
What deserves to be explained is, in aforesaid operations, such as, can carry resource acquisition details in resource acquisition request
Information, resource acquisition detail information is used for describing this resource acquisition for information about, the such as second user's
Information, the resource quantity of application acquisition, acquisition date, useful life, acquisition reason etc..
In an optional embodiment, after judging that first user meets default resource acquisition condition, and
Before sending resource acquisition request to the second user, it is detailed that Internet resources processing means can obtain resource acquisition
Feelings information, then according to resource acquisition detail information, generates resource acquisition request.
In an optional embodiment obtaining resource acquisition detail information, pre-judging that first user meets
If resource acquisition condition after, Internet resources processing means can provide resource acquisition details to first user
User Interface, includes but not limited to on first user input resource acquisition detail information, such as this interface
Hereinafter there is an in blank item of information: the resource that the title of first user, the title of the second user, application obtain
Quantity, acquisition date, acquisition time limit, acquisition reason etc.；First user is at resource acquisition details User Interface
On fill in for information about, after having filled in, submit to Internet resources processing means；Internet resources processing means
Receive the resource acquisition detail information that first user is inputted by above-mentioned resource acquisition details User Interface.
In another obtains the optional embodiment of resource acquisition detail information, first user is detailed by resource acquisition
Feelings information is carried and is supplied to Internet resources processing means in request is initiated in resource acquisition；Internet resources process dress
Put and specifically resource acquisition initiation request is resolved, initiate, request, to parse resource and obtain from resource acquisition
Take detail information.
In an optional embodiment, Internet resources processing means preset resource acquisition condition can be but not
It is limited to: levy confidence threshold.Based on this, Internet resources processing means specifically may determine that the reference of first user
Whether degree levies confidence threshold more than preset；If the determination result is YES, Internet resources processing means determines first
User meets default resource acquisition condition；If judged result is no, Internet resources processing means determines first
User does not meets default resource acquisition condition.
Wherein, Internet resources processing means can obtain levying of first user by inquiry reference service system
Reliability.Concrete, Internet resources processing means can send inquiry request to reference service system, with inquiry
The reference degree of first user；Reference service system receives the inquiry request that Internet resources processing means sends, should
Inquiry request carries the identification information of first user, the such as mobile phone of identification card number, login account, registration
The information such as number；Reference service system, according to inquiry request, is inquired about the reference degree of first user and returns to net
Network resource processing means；Internet resources processing means receives the reference of the first user that reference service system returns
Degree.
What deserves to be explained is, according to the difference realizing form of target network resource, Internet resources transfer device
The process that the target network resource that second user lends is transferred to first user can be different.Illustrate,
Above-mentioned target network resource can be the account amount of money of user；Accordingly, Internet resources transfer device is by first
The process that the target network resource of user's application is transferred to first user from the second user is actually used from second
The account at family carries out the process transferred accounts to the account of first user.Above-mentioned target network resource can also is that user
Data traffic, such as 3G flow or 4G flow；Accordingly, Internet resources transfer device is by first user
The process that the target network resource of application is transferred to first user from the second user actually turns to first user
Sell or represent the process of the data traffic of the second user.
In the example above, Internet resources transfer device by the target network resource of first user application from second
User is transferred to the process of first user and actually relates to the change of numerical value in both sides' resource account.Concrete,
Amount of network resources in the resource account of the second user can be deducted objective network money by Internet resources processing means
The stock number that source is corresponding, and by the amount of network resources in the resource account of first user plus target network resource
Corresponding stock number.
From above-mentioned, in above-mentioned Internet resources acquisition process, Internet resources processing means judges that first uses
Whether family meets default resource acquisition condition, is equivalent to examine the identity of first user, only exists
When first user meets resource acquisition condition, just can initiate resource acquisition request to the second user, use from second
From the perspective of family, because the first user that application obtains Internet resources is to sentence through Internet resources processing means
Break the user meeting resource acquisition condition, whom can be therefore without relation first user, can be relieved
Internet resources are supplied to first user, are conducive to improving the utilization rate of Internet resources.
It addition, during first user application obtains the Internet resources of the second user, first user is not required to
Privately will consult with the second user, whole process is completed by Internet resources processing means, it is achieved that network
The automatization of resource acquisition, improves the acquisition efficiency of Internet resources.
In an optional embodiment, after first user provides Internet resources, there is a subduing the wind syndrome in the second user
Danger.Such as, if first user cannot discharge the target network resource obtained when useful life arrives, then can
Certain loss is brought to the second user.Based on this, the second user can be to resource risk processing means application wind
Danger undertakes.Concrete, the second user, after same purpose first user provides target network resource, can pass through
Its terminal sends, to resource risk processing means, the request of accepting insurance, and to ask resource risk processing means to be, it is carried out
Risk exposure；Resource risk processing means receives the request of accepting insurance of the second user；Judge that relating to this risk holds
Two users of load, i.e. whether first user and the second user meets default underwriting conditions；If judged result
It is yes, it is meant that first user and the second user are satisfied by the underwriting conditions preset, and then return to the second user
Return and accept insurance the response that comes into force, carry out risk exposure being defined as the second user.
Optionally, resource risk processing means typically will not freely provide the user risk exposure, typically can want
The second user is asked to provide certain resource, as underwriting expense.Based on this, the second user can be to resource wind
Danger processing means provides a number of exchange resource, as underwriting expense.Based on this, resource risk processes
Device also can receive second user provide for the exchange resource accepted insurance.Such as, the use that the second user provides
Can be a number of amount of currency in the exchange resource accepted insurance, but be not limited to this.
Based on above-mentioned, if first user fails to discharge target network when the useful life of target network resource arrives
Network resource, resource risk processing means carries out resource compensation to the second user, with will be with target network resource phase
Compensate to the second user with the Internet resources of quantity.As a example by above-mentioned target network resource is as amount of currency, money
Source risk processing means carries out resource compensation to the second user, actually will number identical with target currency resource
The currency resource of amount proceeds in the fund account of the second user, to realize the compensation to the second user.With above-mentioned
As a example by target network resource is data traffic, resource risk processing means carries out resource compensation to the second user,
Actually the data traffic with target data flow equal number is proceeded in the flow account of the second user,
To realize the compensation to the second user.
Further, first user is failed to discharge target network when the useful life of target network resource arrives
The situation of network resource, Internet resources processing means can fail making in target network resource according to first user
The behavior of release target network resource when arriving with the time limit, the reference degree of renewal first user, in simple terms,
It is in the reference record that the behavior of first user is included in first user, to affect the reference degree of first user,
And then affect the resource acquisition behavior that this first user is follow-up.
In an optional embodiment, Internet resources processing means can be the useful life of target network resource
Before arrival, first user is carried out resource release and reminds.Alerting pattern is not defined by the present embodiment,
Such as can send a reminder message to first user, described reminder message can be text type or language
Sound type.Based on this, first user can know that the useful life of target network resource will arrive, and needs
The release of target network resource to be carried out.Then, first user is under the prompting that resource release is reminded, at mesh
When the useful life of mark Internet resources arrives, send resource by its terminal to Internet resources processing means and discharge
Request；Internet resources processing means receives first user and reminds, according to resource release, the resource release request sent；
According to resource release request, target network resource is transferred to the second user from first user, it is achieved target network
The release of network resource.In this embodiment, first user can according to the prompting of Internet resources processing means,
Manually carry out the release of target network resource.
In another optional embodiment, first user can in advance to the registration of Internet resources processing means automatically
Release function.Based on this, Internet resources processing means, when the useful life of target network resource arrives, is sentenced
Disconnected first user is the most registered in advance is automatically releasable function, if the determination result is YES, then automatically by target network
Network resource is transferred to the second user from first user.
Illustrating at this, for popular point, the release of target network resource described in the present embodiment is mainly feeling the pulse with the finger-tip
Giving back of mark Internet resources.
As a example by above-mentioned target network resource is as principal amount, the process of release target network resource is actually
The process that fund account to the second user is transferred accounts from the fund account of first user.Provide with above-mentioned objective network
As a example by source is data traffic, the process of release target network resource is actually from the flow account of first user
The process increasing data traffic is turned to the flow account of the second user.
The principle of technical scheme will be described in detail below by first user as a example by the second user borrows money.
In the following embodiments, Internet resources are borrowing balance, and borrower is equivalent to above-mentioned first user, lender
Being equivalent to above-mentioned second user, loaning bill service system is equivalent to above-mentioned Internet resources processing means, insurance of borrowing money
System is equivalent to above-mentioned resource risk processing means.Accordingly, request is initiated in above-mentioned resource acquisition is to borrow money to answer
Request initiated by loaning bill in；Above-mentioned resource acquisition request is the loaning bill request in application of borrowing money；Above-mentioned resource
Obtain the response that comes into force for the loaning bill confirmation in application of borrowing money；Above-mentioned target network resource is for borrowing money in application
Borrowing balance.
The schematic flow sheet of the network loaning bill method that Fig. 2 provides for the application one embodiment.As in figure 2 it is shown,
The method includes:
2a, borrower log in loaning bill service system, and sending borrows money initiates request.
2b, loaning bill service system inquiry reference service system, to obtain the reference degree of borrower.
2c, loaning bill service system are according to the reference degree of borrower, it is judged that whether borrower meets conditions of a loan；
If the reference degree of borrower is unsatisfactory for the conditions of a loan that loaning bill service system is preset, then cannot initiating borrows money asks
Ask, end operation；Whereas if the reference degree of borrower meets the conditions of a loan that loaning bill service system is preset,
Then require that borrower fills in electronics receipt voucher, lender's accounts information that this electronics receipt voucher includes specifying,
Whether borrowing balance, refund date, interest, loaning bill reason, allow system automatically to withhold refund etc. when expiring
Information.
After 2d, borrower have filled in electronics receipt voucher, electronics is borrowed by loaning bill service system by the request of borrowing money
The lender specified issued by bar voucher.
After 2e, lender receive electronics receipt voucher, the reference degree of borrower can be checked, according to borrower
Reference degree judge whether borrow money, and confirm borrow money time, to loaning bill service system send loaning bill confirmation.
2f, lender can send the request of accepting insurance to loaning bill insurance system, do not refund if borrower exceeds the time limit, can
Accepted insurance by loaning bill insurance system.
After 2g, loaning bill insurance system receive the request of accepting insurance, reference service system can be inquired about, to obtain loaning bill
People, the reference degree of lender.
2h, loaning bill insurance system are according to borrower, the reference degree of lender, it may be judged whether meet default holding
Guarantor's condition, for example whether reference degree both greater than preset levy confidence threshold.
If the reference degree of 2i borrower, lender meets default underwriting conditions, it is meant that can accept
By means of the request of accepting insurance of people, then loaning bill insurance system returns, to lender, the response that comes into force of accepting insurance.
2j, lender ask to loaning bill service system Sending Payments, to pay borrowing balance and the premium amount of money, its
The operation of the middle payment of premium amount of money is optional.
After 2k, loaning bill service system receive payment request, electronics receipt voucher is set to active states, then
Borrowing balance is paid to borrower.
2l, loaning bill service system are to loaning bill insurance system payment of premium, insurance in-force.
When 2m, loaning bill expire, loaning bill service system can send to borrower and urge money reminder message.
The automatic refund service if 2n borrower has contracted, then loaning bill service system can be the most pre-from borrower
Withhold (comprising principal and interest) in the account (such as Alipay account) first bound.
What deserves to be explained is, if withholding failure or borrower does not signs the service of automatically refunding, then needing to borrow
Money people refund by hand.
Borrowing balance (containing interest) is paid lender by 2o, loaning bill service system, and loaning bill service system will
Electronics receipt voucher is set to refund state.
Do not refund if 2p borrower exceeds the time limit, then loaning bill service system sends to update to reference service system and asks
Asking, include the reference report of borrower with record of this not refunded in, this will affect the reference degree of borrower.
Do not refund if 2q borrower exceeds the time limit, and lender endorsed insurance agreement with loaning bill insurance system,
Then paid the premium amount of money specified by loaning bill insurance system to lender, then electronics receipt voucher is set to
Refund state.
From above-mentioned, a kind of method present embodiments providing loaning bill, can reduce lender and be provided out
The risk borrowed money, it is simple to stimulate lender to be actively provided out borrowing money, the value of beneficially raising fund, carry
High fund utilization rate；It addition, the method that the present embodiment provides can realize the automatization's debt-credit between user,
Complete fund fast transfer between borrower and lender, the most also include refund notice, automatically go back
Moneys etc. service, it is achieved that loaning bill efficiently, fast and automatically and refund, largely meet loaning bill and use
The loaning bill at family and refund demand.
It can be seen that the network resource processing method that the embodiment of the present application provides, can be effectively to Internet resources
Transfer among different users processes, and can improve the experience of user.
Further, technical scheme is particularly applicable in the communication process of first user and the second user,
I.e. first user can applied for obtaining network money to the second user during the instant messaging of the second user
Source.So can be by communication be combined with resource acquisition, it is achieved the convenience of resource acquisition, improve
The experience of user.
Below will be with in instant communicating system, a kind of embodiment that Internet resources process is described in detail,
In this manner, the process of Internet resources can be realized by instant communicating system, it is not necessary to individually build
Vertical Internet resources processing platform or system, can effectively utilize instant communicating system to carry out Internet resources process, carry
High user's experience.Detailed process is described as follows.
The schematic flow sheet of the network resource processing method that Fig. 3 provides for another embodiment of the application.Such as Fig. 3
Shown in, the method includes:
301, first user is received in conversational communication to the second Client-initiated resource acquisition request, and by institute
Stating resource acquisition request and be sent to the second user, wherein first user and the second user are for participating in this conversational communication
Communication user.
302, the confirmation asked described resource acquisition in response to the second user, please by described first user
The Internet resources asking acquisition are transferred to first user from the second user.
The method that the present embodiment provides is retouching of carrying out of the angle of communication server from instant communicating system
State.This instant communicating system includes communication server, the client being positioned at first user side and is positioned at
The client of two user sides.It is appreciated that the present embodiment method can also be applied in other communication system,
Such as SMS communication system, it is not limited to instant communicating system.
Concrete, first user can initiate money by the communication interface that client is represented to communication server
Source is asked, with to second user's log on resource.Communication server in response to first user in communication interface
The resource request of middle initiation, provides the resource request page for first user；First user passes through resource request page
Face input resource acquisition information；The resource that communication server reception first user inputs at the resource request page obtains
Win the confidence breath, described resource acquisition information is included in resource acquisition request and is sent to described second user.
Optionally, before described resource acquisition request is sent to the second user by communication server, it can be determined that
It is pre-conditioned whether first user meets, and with when first user meets pre-conditioned, resource acquisition is asked
It is sent to the second user.
Optionally, above-mentioned pre-conditioned for levying confidence threshold.Then judge whether first user meets pre-conditioned,
Particularly as follows: judge whether the reference degree of first user levies confidence threshold more than preset.If levying of first user
Reliability, more than levying confidence threshold, determines that first user meets pre-conditioned；If the reference degree of first user is less than
Or equal to levying confidence threshold, determine that first user is unsatisfactory for pre-conditioned.
Further alternative, communication server judge first user whether meet pre-conditioned before, permissible
In telecommunications services of going on an expedition system, inquiry obtains the reference degree of first user.It is appreciated that this communication server is permissible
It is connected with setting up communication between reference service system, when the reference that there is a need to acquisition user is spent, can go on an expedition
Telecommunications services system obtains, and it implements the explanation that can be found in above-mentioned or other parts.
Optionally, resource acquisition request can be illustrated in communication interface in the form of a link.Communication server
In response to the second user, the triggering of described link is asked, provide resource request to confirm the page for the second user；
If the second user agrees to externally provide Internet resources, then can be by this resource request confirmation page in the face of communication garment
The resource acquisition request that business device sends confirms；Communication server is true in resource request in response to the second user
Recognize the confirmation operation of the page, generate confirmation.
Above-mentioned resource acquisition information spinner to include the information relevant with this resource acquisition, the letter of example the second user
Breath, the resource quantity of application acquisition, acquisition date, useful life, acquisition reason etc..
In an optional embodiment, described resource acquisition is being asked by communication server in response to the second user
Confirmation before, receive the second user based on resource acquisition request initiate vouch-for request；Obtain first
The reference degree of user and/or the second user, to determine whether to confirm vouch-for request, in order to confirming vouch-for request
Backward first user returns the confirmation to resource acquisition request.Wherein, user is assured specifically may be used
To be realized by above-mentioned resource risk processing means, when first user cannot provide by releasing network within the time limit
During source, can be compensated by resource risk processing means, it implements and can be found in above-mentioned explanation.
In actual applications, this communication server can be set up communication with resource risk processing means and is connected, it is achieved load
The process protected.
Communication server confirms the confirmation operation of the page in response to the second user in resource request, generates confirmation letter
After breath is sent to first user, the Internet resources of first user application can be transferred to the from the second user
One user.
What deserves to be explained is, transfer process can be disposably the overall network resource of first user application to be turned
Move to first user；Or, it is also possible to it is that the Internet resources of first user application are transferred to the most in batches
One user.
Further, above-mentioned resource acquisition request includes the useful life of Internet resources.Based on this, Communications service
Internet resources, when the useful life of the Internet resources of first user application arrives, are shifted by device from first user
To the second user, it is achieved the release to Internet resources.
In the above-described embodiments, first user can with the instant messaging of the second user during, application obtains
Take the Internet resources of the second user, by communication server complete Internet resources first user and the second user it
Between transfer, on the one hand can improve the utilization rate of Internet resources, on the other hand can improve acquisition network money
The convenience in source, improves and obtains efficiency.
The schematic flow sheet of the network resource processing method that Fig. 4 provides for the another embodiment of the application.Such as Fig. 4
Shown in, the method includes:
401, first user is obtained in conversational communication to the second Client-initiated resource acquisition request；Wherein,
First user and the second user are the communication user participating in this conversational communication.
402, described resource acquisition request is sent to communication server, in order to by communication server by described money
Source obtains request and sends to described second user, in order to ask described resource acquisition receiving the second user
Confirmation time, the Internet resources of first user acquisition request are transferred to first user from the second user.
The method that the present embodiment provides is the description that the angle of client from instant communicating system is carried out.Should
Instant communicating system includes communication server, the client being positioned at first user side and is positioned at the second user
The client of side.This client is actually the client of first user side.
Concrete, communication server can provide communication interface by client to first user.First user
The communication interface represented by client initiates resource acquisition to communication server asks, with request from second
Internet resources are obtained at user.The client of first user side obtains first user in communication interface to the
Two Client-initiated resource acquisition requests, send this resource acquisition request to communication server.Communications service
Described resource acquisition request is sent to described second user by device；If the second user agrees to externally provide network to provide
Source, then can confirm the resource acquisition request that communication server sends.Communication server receives
During the confirmation that described resource acquisition is asked by two users, by the Internet resources of first user acquisition request from
Second user is transferred to first user.
For the second user, communication server can be by the client of the second user side to the second user
Communication interface is provided.The client of the second user side receives the resource acquisition request that communication server sends；
The confirmation operation asked this resource acquisition in response to the second user, generates confirmation, and the information of will confirm that is sent out
Give communication server so that the Internet resources of first user application are shifted by communication server from the second user
To first user.
Further, above-mentioned resource acquisition request can be illustrated in the client of the second user side in the form of a link
In the communication interface that end is represented.Based on this, the client of the second user side can be in response to the second user
The triggering of this link is asked, provides resource request to confirm the page for the second user, if the second user agree to right
Outer offer Internet resources, then can be obtained by the resource that this resource request confirmation page sends in the face of communication server
The request of taking confirms.
In the present embodiment, client matches with communication server so that first user can be with second
During the instant messaging of user, application obtains the Internet resources of the second user, it is achieved Internet resources are first
Transfer between user and the second user, on the one hand can improve the utilization rate of Internet resources, on the other hand can
To improve the convenience obtaining Internet resources, improve and obtain efficiency.
The Internet resources that above-mentioned realization in communication system processes specifically can relate to the loaning bill of fund allocation
Business, or can also be other fictitious assets, the such as business such as reward voucher, flow.When relating to difference
Business time, communication server can individually or by with other system, such as during loaning bill business, Ke Yiyu
Payment system works in coordination with the realization realizing above steps function, and it implements process and does not limits.
It should be noted that for aforesaid each method embodiment, in order to be briefly described, therefore it is all stated
For a series of combination of actions, but those skilled in the art should know, the application is not by described
The restriction of sequence of movement, because according to the application, some step can use other orders or carry out simultaneously.
Secondly, those skilled in the art also should know, embodiment described in this description belongs to be preferable to carry out
Example, necessary to involved action and module not necessarily the application.
In the above-described embodiments, the description to each embodiment all emphasizes particularly on different fields, in certain embodiment the most in detail
The part stated, may refer to the associated description of other embodiments.
The structural representation of the Internet resources processing means that Fig. 5 provides for the application one embodiment.Such as Fig. 5 institute
Showing, this device includes: receiver module 51, judge module 52, sending module 53 and shift module 54.
Receiver module 51, for receiving the money for initiating resource acquisition to the second user that first user sends
Source obtains the request of initiation.
Judge module 52, for judging whether first user meets default resource acquisition condition.
Sending module 53, for when the judged result of judge module 52 is for being, sends resource to the second user
Obtain request, obtain the Internet resources of the second user with application.
Receiver module 51 is additionally operable to, and receives the resource acquisition that the second user returns and comes into force response.
Shift module 54, comes into force response for the resource acquisition received according to receiver module 51, by the first use
The target network resource of family application is transferred to first user from the second user.
In an optional embodiment, it is judged that module 52 is particularly used in:
Judge whether the reference degree of first user levies confidence threshold more than preset；
If the determination result is YES, determine that first user meets default resource acquisition condition；
If judged result is no, determine that first user does not meets default resource acquisition condition.
Further alternative, sending module 53 is additionally operable to, and judges the reference of first user at judge module 52
Degree whether more than preset levy confidence threshold before, send inquiry request to reference service system, to inquire about
State the reference degree of first user.Accordingly, receiver module 51 is additionally operable to, and receives what reference service system returned
The reference degree of first user.
In an optional embodiment, as shown in Figure 6, this Internet resources processing means also includes: obtain mould
Block 61 and generation module 62.
Acquisition module 61, was used at sending module 53 before the second user sends resource acquisition request, obtains
Take resource acquisition detail information.
Generation module 62, for the resource acquisition detail information obtained according to acquisition module 61, generates resource
Obtain request.
Further, acquisition module 61 is particularly used in:
A resource acquisition details User Interface is provided to first user, detailed for first user input resource acquisition
Feelings information；
Receive the first user resource acquisition detail information by the input of resource acquisition details User Interface.
Further, above-mentioned resource acquisition initiation request includes resource acquisition detail information.Acquisition module 61 is concrete
Can be used for: initiate, request, to parse resource acquisition detail information from resource acquisition.
In an optional embodiment, as shown in Figure 6, this Internet resources processing means also includes: remind mould
Block 63.
Prompting module 63, before arriving the useful life of target network resource, is carried out first user
Resource release is reminded.
Receiver module 51 is additionally operable to, and receiving first user please according to the resource release that resource release prompting sends
Ask.Accordingly, shift module 54 is additionally operable to, the resource release request received according to receiver module 51, will
Target network resource is transferred to the second user from first user.
In an optional embodiment, shift module 54 is additionally operable to, and the useful life in target network resource arrives
When reaching, it is judged that whether first user have registered is automatically releasable function, if the determination result is YES, automatically by target
Internet resources are transferred to the second user from first user.
Optionally, resource acquisition is initiated request and is initiated request for the loaning bill borrowed money in application；Resource acquisition is asked
For the loaning bill request in application of borrowing money；Resource acquisition comes into force response for the loaning bill confirmation in application of borrowing money；
Target network resource is the borrowing balance in application of borrowing money.
The Internet resources processing means that the present embodiment provides, the resource acquisition receiving first user transmission is initiated to ask
Ask, judge whether first user meets default resource acquisition condition afterwards, meet at first user default
During resource acquisition condition, send resource acquisition request to the second user, obtain the network of the second user with application
Resource, when the resource acquisition receiving second user's return comes into force response, determines that the second user agrees to outwards
Lend its Internet resources, then the target network resource of first user application is transferred to first from the second user
User.Use the present embodiment Internet resources processing means carry out Internet resources acquisition whole during, net
Network resource processing means judges whether first user meets resource acquisition condition, is equivalent to the money to first user
Source obtains qualification and judges, when first user meets resource acquisition condition, just provides to the second user
Source is applied for, from the perspective of the second user, it is to provide through network that application obtains the first user of Internet resources
What source processing means was judged meets the user of resource acquisition condition, therefore can relieved be provided by Internet resources
To first user, be conducive to improving the utilization rate of Internet resources.
It addition, use the present embodiment Internet resources processing means carry out Internet resources acquisition whole during,
First user need not and second user's private consultation, and the acquisition process of whole Internet resources is mainly provided by network
Source processing means is automatically performed, it is achieved that the automatization that Internet resources obtain, and is conducive to improving Internet resources
Obtain efficiency.
The structural representation of the Internet resources processing system that Fig. 7 provides for the application one embodiment.Such as Fig. 7 institute
Showing, this system includes: first terminal the 71, second terminal 72 and Internet resources processing means 73.
First terminal 71 refers to the terminal of first user, for sending first to Internet resources processing means 73
Request is initiated in the resource acquisition that user initiates resource acquisition to the second user.
Internet resources processing means 73, the resource sent by first terminal 71 for receiving first user is obtained
Take initiation request, it is judged that whether first user meets default resource acquisition condition；If the determination result is YES,
Send resource acquisition request to the second terminal 72, obtain the Internet resources of the second user with application；Receive second
User is come into force response by the resource acquisition that the second terminal 72 returns；Come into force response according to resource acquisition, by
The target network resource of one user's application is transferred to first user from the second user.
Second terminal 72 refers to the terminal of the second user, for sending resource to Internet resources processing means 73
Acquisition comes into force response.
The structure and working principle that realizes about Internet resources processing means 73 specifically can be found in previous embodiment,
Do not repeat them here.
Further, as shown in Figure 8, this system also includes: resource risk processing means 74.
Resource risk processing means 74, please by the second accepting insurance of terminal 72 transmission for receiving the second user
Ask；Judge whether first user and the second user meet default underwriting conditions；If the determination result is YES, to
Second terminal 72 returns the response that comes into force of accepting insurance, and receives second user's offer for the exchange resource accepted insurance.
Further, if first user fails to discharge objective network when the useful life of target network resource arrives
Resource, resource risk processing means 74 carries out resource compensation to the second user, with will be with target network resource phase
Compensate to the second user with the Internet resources of quantity.
Further, first user is failed to discharge target network when the useful life of target network resource arrives
The situation of network resource, Internet resources processing means 73 can fail in target network resource according to first user
The behavior of release target network resource when useful life arrives, the reference degree of renewal first user, in simple terms,
It is in the reference record that the behavior of first user is included in first user, to affect the reference degree of first user,
And then affect the resource acquisition behavior that this first user is follow-up.
In the Internet resources processing system that the present embodiment provides, Internet resources processing means receives first user
Request is initiated in the resource acquisition sent, and judges whether first user meets default resource acquisition condition afterwards,
When first user meets default resource acquisition condition, send resource acquisition request to the second user, with Shen
Please obtain the Internet resources of the second user, when the resource acquisition receiving second user's return comes into force response,
Determine the second user outwards to agree to and lend its Internet resources, then by the target network resource of first user application
It is transferred to first user from the second user.Using the Internet resources processing system that the present embodiment provides, network provides
Source processing means judges whether first user meets resource acquisition condition, is equivalent to obtain the resource of first user
Take qualification to judge, when first user meets resource acquisition condition, just carry out resource Shen to the second user
Please, from the perspective of the second user, it is at Internet resources that application obtains the first user of Internet resources
Therefore Internet resources relieved can be supplied to the by the reason user meeting resource acquisition condition that judges of device
One user, is conducive to improving the utilization rate of Internet resources.
It addition, use the Internet resources processing system that the present embodiment provides, first user need not use with second
Family private consultation, the acquisition process of whole Internet resources is mainly automatically performed by Internet resources processing means, real
Show the automatization that Internet resources obtain, be conducive to improving the acquisition efficiency of Internet resources.
The structural representation of the Internet resources processing system that Fig. 9 provides for the another embodiment of the application.Such as Fig. 9
Shown in, this system includes: communication server 91 and terminal 92, wherein:
Terminal 92, being used for obtaining first user please to the second Client-initiated resource acquisition in conversational communication
Ask, described resource acquisition request is sent to described communication server 91.Wherein first user and second is used
Family is the communication user participating in described conversational communication.
Communication server 91, is used for receiving resource acquisition request, and resource acquisition request is sent to the second use
Family；And confirmation resource acquisition asked in response to the second user, by first user acquisition request
Internet resources are transferred to first user from the second user.
In an application scenarios, communication server 91 can be the server in instant communicating system, accordingly,
Terminal 92 can be the client being positioned at first user side in instant communicating system.
Further, as shown in Figure 10, this system also includes: credit investigation system 93.
Credit investigation system 93, for providing the reference degree of described first user to communication server 91.
Communication server 91 is additionally operable to: judge that whether the reference degree of first user is more than the reference degree threshold preset
Value, with the reference degree at first user be more than described in levy confidence threshold time, resource acquisition request is sent to the
Two users.
Further, as shown in Figure 10, this system also includes: insurance system 94.
Insurance system 94, for receiving the vouch-for request that the second user initiates based on described resource acquisition request；
The reference degree of first user and/or the second user is obtained, to determine whether to confirm described guarantee from credit investigation system 93
Request, in order to described resource acquisition request can be confirmed after confirming vouch-for request by the second user.
The Internet resources processing system that the present embodiment provides so that first user can with the second user i.e.
Time communication process in, application obtains the Internet resources of the second user, it is achieved Internet resources are at first user and the
Transfer between two users, on the one hand can improve the utilization rate of Internet resources, on the other hand can improve and obtain
Take the convenience of Internet resources, improve and obtain efficiency.
The structural representation of the communication server that Figure 11 provides for the application one embodiment.As shown in figure 11,
This communication server includes: receiver module 1101 and sending module 1102.
Receiver module 1101, is used for receiving first user and obtains to the second Client-initiated resource in conversational communication
Taking request, wherein first user and the second user are the communication user participating in conversational communication；
Sending module 1102, is sent to second for the resource acquisition request received by receiver module 1101
User, and the confirmation asked resource acquisition in response to the second user, by first user acquisition request
Internet resources be transferred to first user from the second user.
In an optional embodiment, receiver module 1101 specifically for:
The resource request initiated in the communication interface of conversational communication in response to first user, for first user
The resource request page is provided, receives the resource acquisition information that first user inputs at the resource request page.
Accordingly, sending module 1102, when resource acquisition request is sent to the second user, is specifically used
In: resource acquisition information is included in resource acquisition request and is sent to the second user.
In an optional embodiment, above-mentioned resource acquisition request is illustrated in communication interface in the form of a link.
This communication server also includes: processing module 1103.This processing module 1103, in response to the
Two users triggering request to link, provides resource request to confirm the page for the second user, and in response to second
User confirms the confirmation operation of the page in resource request, generates confirmation.
Further, processing module 1103 can be additionally used in: resource acquisition request is sent at sending module 1102
Before the second user, it is judged that it is pre-conditioned whether first user meets, preset bar to meet at first user
During part, resource acquisition request is sent to the second user.
Optionally, above-mentioned pre-conditioned for levying confidence threshold.Based on this, processing module 1103 is judging first
When whether user meets pre-conditioned, it is particularly used in: judge that whether the reference degree of first user is more than presetting
Levy confidence threshold.
Further, processing module 1103 is additionally operable to: judge first user whether meet pre-conditioned before,
In telecommunications services of going on an expedition system, inquiry obtains the reference degree of first user.
In an optional embodiment, receiver module 1101 be additionally operable in response to the second user to resource acquisition
Before the confirmation of request, receive the vouch-for request that the second user initiates based on resource acquisition request.
Accordingly, processing module 1103 is additionally operable to: obtain first user and/or the reference degree of the second user,
To determine whether to confirm vouch-for request, in order to the second user can return to first user after confirming vouch-for request
Confirmation.
In an optional embodiment, above-mentioned resource acquisition request includes the pot life of Internet resources.Based on
This, sending module 1102 is additionally operable to: when the pot life of Internet resources arrives, by Internet resources from first
User is transferred to the second user.
The present embodiment provide communication server, can in the communication process of first user and the second user,
Realize resource acquisition, improve the convenience of resource acquisition, improve the experience of user.
The structural representation of the terminal that Figure 12 provides for the application one embodiment.As shown in figure 12, this service
Device includes: acquisition module 1201 and sending module 1202.
Acquisition module 1201, is used for obtaining first user and obtains to the second Client-initiated resource in conversational communication
Take request；Wherein first user and the second user are the communication user participating in described conversational communication.
Sending module 1202, sends to communication garment for the resource acquisition request obtained by acquisition module 1201
Business device, in order to by communication server, resource acquisition request is sent to the second user, in order to receiving second
During the confirmation that resource acquisition is asked by user, the Internet resources of first user acquisition request are used from second
Family is transferred to first user.
In an optional embodiment, acquisition module 1201 specifically for:
The resource request initiated in the communication interface of conversational communication in response to first user, carries for first user
For resource requests for page；
Receive the resource acquisition information that first user inputs at the resource request page, generate and comprise resource acquisition letter
The resource acquisition request of breath.
The terminal that the present embodiment provides, can be in the communication process of first user and the second user, it is achieved money
Source obtains, and improves the convenience of resource acquisition, improves the experience of user.
Those skilled in the art is it can be understood that arrive, for convenience and simplicity of description, and foregoing description
System, the specific works process of device and unit, be referred to the corresponding process in preceding method embodiment,
Do not repeat them here.
In several embodiments provided herein, it should be understood that disclosed system, device and side
Method, can realize by another way.Such as, device embodiment described above is only schematically
, such as, the division of described unit, be only a kind of logic function and divide, actual can have when realizing another
Outer dividing mode, the most multiple unit or assembly can in conjunction with or be desirably integrated into another system, or
Some features can be ignored, or does not performs.Another point, shown or discussed coupling each other or straight
Connect coupling or communication connection can be the INDIRECT COUPLING by some interfaces, device or unit or communication connection,
Can be electrical, machinery or other form.
The described unit illustrated as separating component can be or may not be physically separate, as
The parts that unit shows can be or may not be physical location, i.e. may be located at a place, or
Can also be distributed on multiple NE.Can select therein some or all of according to the actual needs
Unit realizes the purpose of the present embodiment scheme.
It addition, each functional unit in each embodiment of the application can be integrated in a processing unit,
Can also be that unit is individually physically present, it is also possible to two or more unit are integrated in a unit
In.Above-mentioned integrated unit both can realize to use the form of hardware, it would however also be possible to employ hardware adds software function
The form of unit realizes.
The above-mentioned integrated unit realized with the form of SFU software functional unit, can be stored in a computer can
Read in storage medium.Above-mentioned SFU software functional unit is stored in a storage medium, uses including some instructions
So that a computer equipment (can be personal computer, server, or the network equipment etc.) or place
Reason device (processor) performs the part steps of method described in each embodiment of the application.And aforesaid storage
Medium includes: USB flash disk, portable hard drive, read only memory (Read-Only Memory, ROM), with
Machine access memorizer (Random Access Memory, RAM), magnetic disc or CD etc. are various permissible
The medium of storage program code.
Last it is noted that above example is only in order to illustrate the technical scheme of the application, rather than it is limited
System；Although the application being described in detail with reference to previous embodiment, those of ordinary skill in the art
It is understood that the technical scheme described in foregoing embodiments still can be modified by it, or to it
Middle part technical characteristic carries out equivalent；And these amendments or replacement, do not make appropriate technical solution
Essence departs from the spirit and scope of the application each embodiment technical scheme.
Claims (35)
1. a network resource processing method, it is characterised in that including:
Receive first user in conversational communication to the second Client-initiated resource acquisition request, and by described money
Source obtains request and is sent to described second user, and wherein first user and the second user are for participating in described communication meeting
The communication user of words；
The confirmation asked described resource acquisition in response to described second user, please by described first user
The Internet resources asking acquisition are transferred to described first user from described second user.
Method the most according to claim 1, it is characterised in that described reception first user is in communication meeting
To the second Client-initiated resource acquisition request in words, and described resource acquisition request is sent to described second
User, including:
The resource request initiated in the communication interface of conversational communication in response to described first user, for described
One user provides the resource request page；
Receive the resource acquisition information that described first user inputs at the described resource request page, by described resource
Acquisition information is included in resource acquisition request and is sent to described second user.
Method the most according to claim 2, it is characterised in that described resource acquisition request is with link
Form is illustrated in communication interface；
Described method also includes:
In response to described second user, the triggering of described link is asked, provide resource to ask for described second user
Seek the confirmation page；
Confirm the confirmation operation of the page in response to described second user in described resource request, generate described confirmation
Information.
Method the most according to claim 1, it is characterised in that described by described resource acquisition request
Before giving described second user, also include:
Judge whether described first user meets pre-conditioned, with when described first user meets pre-conditioned,
Described resource acquisition request is sent to described second user.
Method the most according to claim 4, it is characterised in that described pre-conditioned for levying confidence threshold；
Judge whether described first user meets pre-conditioned, particularly as follows:
Judge whether the reference degree of described first user levies confidence threshold more than preset.
Method the most according to claim 5, it is characterised in that described whether judge described first user
Meet pre-conditioned before, also include:
In telecommunications services of going on an expedition system, inquiry obtains the reference degree of described first user.
7. according to the method described in any one of claim 1-6, it is characterised in that described in response to described
Before the confirmation that described resource acquisition is asked by two users, also include:
Receive the vouch-for request that described second user initiates based on described resource acquisition request；
Obtain the reference degree of described first user and/or the second user, to determine whether to confirm described vouch-for request,
To return described confirmation to described first user after confirming described vouch-for request.
8. according to the method described in any one of claim 1-6, it is characterised in that described resource acquisition is asked
Pot life including described Internet resources；
Described method also includes:
When the pot life of described Internet resources arrives, described Internet resources are shifted from described first user
To described second user.
9. according to the arbitrary described method of claim 1-6, it is characterised in that described method is applied to immediately
In communication.
10. a network resource processing method, it is characterised in that including:
Obtain first user in conversational communication to the second Client-initiated resource acquisition request；Wherein said
One user and described second user are the communication user participating in described conversational communication；
Described resource acquisition request is sent to communication server, in order to by communication server, described resource is obtained
The request that takes sends to described second user, in order to ask described resource acquisition receiving described second user
Confirmation time, the Internet resources of described first user acquisition request are transferred to institute from described second user
State first user.
11. methods according to claim 10, it is characterised in that described acquisition first user is in communication
To the second Client-initiated resource acquisition request in session, specifically include:
The resource request initiated in the communication interface of conversational communication in response to described first user, for described
One user provides the resource request page；
Receive the resource acquisition information that described first user inputs at the described resource request page, generate and comprise institute
State the resource acquisition request of resource acquisition information.
12. 1 kinds of communication servers, it is characterised in that including:
Receiver module, being used for receiving first user please to the second Client-initiated resource acquisition in conversational communication
Asking, wherein said first user and described second user are the communication user participating in described conversational communication；
Sending module, for being sent to described second user by described resource acquisition request, and in response to described
The confirmation that described resource acquisition is asked by the second user, provides the network of described first user acquisition request
Source is transferred to described first user from described second user.
13. communication servers according to claim 12, it is characterised in that described receiver module is concrete
For:
The resource request initiated in the communication interface of conversational communication in response to described first user, for described
One user provides the resource request page, receives the resource that described first user inputs at the described resource request page
Acquisition information；
Described sending module specifically for: described resource acquisition information is included in resource acquisition request in send
To described second user.
14. communication servers according to claim 13, it is characterised in that described resource acquisition is asked
It is illustrated in the form of a link in communication interface；
Described communication server also includes:
Processing module, for asking, for described second the triggering of described link in response to described second user
User provides resource request to confirm the page, and confirms the page in response to described second user in described resource request
Confirmation operation, generate described confirmation.
15. 1 kinds of terminals, it is characterised in that including:
Acquisition module, being used for obtaining first user please to the second Client-initiated resource acquisition in conversational communication
Ask；Wherein said first user and described second user are the communication user participating in described conversational communication；
Sending module, for sending described resource acquisition request to communication server, in order to by Communications service
Described resource acquisition request is sent to described second user by device, in order to receiving described second user to institute
When stating the confirmation of resource acquisition request, by the Internet resources of described first user acquisition request from described the
Two users are transferred to described first user.
16. terminals according to claim 15, it is characterised in that described acquisition module specifically for:
The resource request initiated in the communication interface of conversational communication in response to described first user, for described
One user provides the resource request page；
Receive the resource acquisition information that described first user inputs at the described resource request page, generate and comprise institute
State the resource acquisition request of resource acquisition information.
17. 1 kinds of Internet resources processing systems, it is characterised in that including: communication server and terminal, its
In:
Described terminal, being used for obtaining first user please to the second Client-initiated resource acquisition in conversational communication
Ask, described resource acquisition request is sent to described communication server；Wherein said first user and described
Two users are the communication user participating in described conversational communication；
Described communication server, is used for receiving described resource acquisition request, and described resource acquisition request is sent out
Give described second user；And the confirmation described resource acquisition asked in response to described second user,
The Internet resources of described first user acquisition request are transferred to described first user from described second user.
18. systems according to claim 17, it is characterised in that also include:
Credit investigation system, for providing the reference degree of described first user to described communication server；
Described communication server is additionally operable to: judge that whether the reference degree of described first user is more than the reference preset
Degree threshold value, with the reference degree at described first user be more than described in levy confidence threshold time, by described resource acquisition
Request is sent to described second user.
19. systems according to claim 18, it is characterised in that also include:
Insurance system, for receiving the vouch-for request that described second user initiates based on described resource acquisition request；
Described first user and/or the reference degree of the second user is obtained, to determine whether to confirm institute from described credit investigation system
State vouch-for request, in order to after confirming described vouch-for request, described resource acquisition request is confirmed.
20. 1 kinds of network resource processing methods, it is characterised in that including:
Internet resources processing means receives the money for initiating resource acquisition to the second user that first user sends
Source obtains the request of initiation；
Described Internet resources processing means judges whether described first user meets default resource acquisition condition；
If the determination result is YES, described Internet resources processing means to described second user send resource acquisition please
Ask, obtain the Internet resources of described second user with application；
Described Internet resources processing means receives the resource acquisition that described second user returns and comes into force response；
Described Internet resources processing means comes into force response according to described resource acquisition, described first user application is obtained
The target network resource taken is transferred to described first user from described second user.
21. methods according to claim 20, it is characterised in that described Internet resources processing means is sentenced
Whether disconnected described first user meets default resource acquisition condition, including:
Described Internet resources processing means judges that whether the reference degree of described first user is more than the reference degree preset
Threshold value；
If the determination result is YES, described Internet resources processing means determines that described first user meets default resource
Acquisition condition；
If judged result is no, described Internet resources processing means determines that described first user does not meets default money
Source obtains condition.
22. methods according to claim 21, it is characterised in that described Internet resources processing means is sentenced
The reference degree of disconnected described first user whether more than preset levy confidence threshold before, also include:
Described Internet resources processing means sends inquiry request to reference service system, to inquire about described first user
Reference degree；
Described Internet resources processing means receives the reference of the described first user that described reference service system returns
Degree.
23. methods according to claim 20, it is characterised in that also include:
Resource risk processing means receives the request of accepting insurance that described second user sends；
Described resource risk processing means judges whether described first user and described second user meet default
Underwriting conditions；
If the determination result is YES, described resource risk processing means returns, to described second user, the sound that comes into force of accepting insurance
Should.
24. methods according to claim 23, it is characterised in that also include:
If described first user fails to discharge described target when the useful life of described target network resource arrives
Internet resources, described resource risk processing means carries out resource compensation to described second user, with will be with described
The Internet resources of target network resource equal number compensate to described second user.
25. according to the method described in any one of claim 20-24, it is characterised in that also include:
Described Internet resources processing means is before the useful life of described target network resource arrives, to described
First user carries out resource release to be reminded；
Described Internet resources processing means receives described first user and reminds, according to the release of described resource, the money sent
Source releasing request；
Described Internet resources processing means is according to described resource release request, by described target network resource from institute
State first user and be transferred to described second user.
26. according to the method described in any one of claim 20-24, it is characterised in that also include:
Described Internet resources processing means is when the useful life of described target network resource arrives, it is judged that described
First user is the most registered in advance is automatically releasable function, if the determination result is YES, automatically by described target network
Network resource is transferred to described second user from described first user.
27. according to the method described in any one of claim 20-24, it is characterised in that described resource acquisition
Request of initiating initiates request for the loaning bill borrowed money in application；Described resource acquisition request is borrowed money in application for described
Loaning bill request；Described resource acquisition comes into force response for the described loaning bill confirmation borrowed money in application；Described
Target network resource is the described borrowing balance borrowed money in application.
28. 1 kinds of Internet resources processing meanss, it is characterised in that including:
Receiver module, obtains for initiating the resource of resource acquisition to the second user for receive that first user sends
Take initiation request；
Judge module, for judging whether described first user meets default resource acquisition condition；
Sending module, for when the judged result of described judge module is for being, sends money to described second user
Source obtains request, obtains the Internet resources of described second user with application；
Described receiver module is additionally operable to, and receives the resource acquisition that described second user returns and comes into force response；
Shift module, for coming into force response according to described resource acquisition, by the target network of described first user application
Network resource is transferred to described first user from described second user.
29. devices according to claim 28, it is characterised in that described judge module specifically for:
Judge whether the reference degree of described first user levies confidence threshold more than preset；
If the determination result is YES, determine that described first user meets default resource acquisition condition；
If judged result is no, determine that described first user does not meets default resource acquisition condition.
30. devices according to claim 20, it is characterised in that
Described sending module is additionally operable to, and sends inquiry request to reference service system, to inquire about described first user
Reference degree；
Described receiver module is additionally operable to, and receives the reference of the described first user that described reference service system returns
Degree.
31. according to the device described in any one of claim 28-30, it is characterised in that also include:
Prompting module, before arriving the useful life of described target network resource, uses described first
Family carries out resource release and reminds；
Described receiver module is additionally operable to, and receives described first user and reminds, according to the release of described resource, the money sent
Source releasing request；
Described shift module is additionally operable to, according to described resource release request, by described target network resource from institute
State first user and be transferred to described second user.
32. according to the device described in any one of claim 28-30, it is characterised in that
Described shift module is additionally operable to, when the useful life of described target network resource arrives, it is judged that described
Whether first user have registered is automatically releasable function, if the determination result is YES, is automatically provided by described objective network
Source is transferred to described second user from described first user.
33. according to the device described in any one of claim 28-30, it is characterised in that described resource acquisition
Request of initiating initiates request for the loaning bill borrowed money in application；Described resource acquisition request is borrowed money in application for described
Loaning bill request；Described resource acquisition comes into force response for the described loaning bill confirmation borrowed money in application；Described
Target network resource is the described borrowing balance borrowed money in application.
34. 1 kinds of Internet resources processing systems, it is characterised in that including: first terminal, the second terminal and
Internet resources processing means；
Described first terminal, sends out to the second user for sending first user to described Internet resources processing means
Request is initiated in the resource acquisition playing resource acquisition；
Described Internet resources processing means, for receiving the institute that described first user is sent by described first terminal
State resource acquisition and initiate request, it is judged that whether described first user meets default resource acquisition condition；If sentencing
Disconnected result is yes, sends resource acquisition request to described second terminal, obtains described second user's with application
Internet resources；Receive the resource acquisition that described second user returned by described second terminal to come into force response；Root
Come into force response according to described resource acquisition, the target network resource of described first user application is used from described second
Family is transferred to described first user；
Described second terminal, comes into force response for sending described resource acquisition to described Internet resources processing means.
35. systems according to claim 34, it is characterised in that also include: resource risk processes dress
Put；
Described resource risk processing means is used for, and receives what described second user was sent by described second terminal
The request of accepting insurance；Judge whether described first user and described second user meet default underwriting conditions；If sentencing
Disconnected result be yes, accepts insurance the response that comes into force to described second terminal return, and receives described second user and provide use
In the exchange resource accepted insurance.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510364892.8A CN106330502A (en) | 2015-06-26 | 2015-06-26 | Network resource processing method, device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510364892.8A CN106330502A (en) | 2015-06-26 | 2015-06-26 | Network resource processing method, device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106330502A true CN106330502A (en) | 2017-01-11 |
Family
ID=57722632
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510364892.8A Pending CN106330502A (en) | 2015-06-26 | 2015-06-26 | Network resource processing method, device and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106330502A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108898478A (en) * | 2018-06-28 | 2018-11-27 | 杭州复杂美科技有限公司 | Borrow or lend money method and system, equipment and storage medium |
| CN109166027A (en) * | 2018-07-02 | 2019-01-08 | 阿里巴巴集团控股有限公司 | A kind of loaning bill contract processing method and processing device |
| CN110490566A (en) * | 2019-08-20 | 2019-11-22 | 珠海格力电器股份有限公司 | Loaning bill processing method, device, processor and electronic device in instant messaging |
| CN110555692A (en) * | 2018-06-01 | 2019-12-10 | 腾讯科技（深圳）有限公司 | virtual resource transfer method, device and storage medium |
| CN111610897A (en) * | 2019-02-22 | 2020-09-01 | 阿里巴巴集团控股有限公司 | Asset transfer prompting method and device and electronic equipment |
| CN112464194A (en) * | 2020-11-25 | 2021-03-09 | 数字广东网络建设有限公司 | Resource acquisition method and device, computer equipment and storage medium |
Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1533543A (en) * | 2001-02-19 | 2004-09-29 | ��˹��ŵ�� | Contrl of billing in communication system |
| US20080177659A1 (en) * | 2007-01-19 | 2008-07-24 | Timothy Douglas Lacey | Systems and methods for providing financial processing in conjunction with instant messaging and other communications |
| CN101711395A (en) * | 2007-04-19 | 2010-05-19 | 阿鲁策株式会社 | Electronic payment system, electronic payment server, negotialble value providing device, mobile communication terminal, and electronic payment method |
| CN102413151A (en) * | 2010-09-20 | 2012-04-11 | 北京搜狗科技发展有限公司 | Network resource sharing method and system |
| CN103281465A (en) * | 2013-05-31 | 2013-09-04 | 亚信联创科技（中国）有限公司 | Method, device and system of telecommunication service resource donation |
| CN103778529A (en) * | 2012-10-19 | 2014-05-07 | 阿里巴巴集团控股有限公司 | Processing method and device for resource returning |
| CN103856915A (en) * | 2012-12-06 | 2014-06-11 | 阿里巴巴集团控股有限公司 | Data resource transfer method and device |
| CN104412286A (en) * | 2012-08-15 | 2015-03-11 | 电子湾有限公司 | Payment in a chat session |
| CN104601637A (en) * | 2013-12-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Data processing method, data processing server, user terminal and system |
-
2015
- 2015-06-26 CN CN201510364892.8A patent/CN106330502A/en active Pending
Patent Citations (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1533543A (en) * | 2001-02-19 | 2004-09-29 | ��˹��ŵ�� | Contrl of billing in communication system |
| US20080177659A1 (en) * | 2007-01-19 | 2008-07-24 | Timothy Douglas Lacey | Systems and methods for providing financial processing in conjunction with instant messaging and other communications |
| CN101711395A (en) * | 2007-04-19 | 2010-05-19 | 阿鲁策株式会社 | Electronic payment system, electronic payment server, negotialble value providing device, mobile communication terminal, and electronic payment method |
| CN102413151A (en) * | 2010-09-20 | 2012-04-11 | 北京搜狗科技发展有限公司 | Network resource sharing method and system |
| CN104412286A (en) * | 2012-08-15 | 2015-03-11 | 电子湾有限公司 | Payment in a chat session |
| CN103778529A (en) * | 2012-10-19 | 2014-05-07 | 阿里巴巴集团控股有限公司 | Processing method and device for resource returning |
| CN103856915A (en) * | 2012-12-06 | 2014-06-11 | 阿里巴巴集团控股有限公司 | Data resource transfer method and device |
| CN103281465A (en) * | 2013-05-31 | 2013-09-04 | 亚信联创科技（中国）有限公司 | Method, device and system of telecommunication service resource donation |
| CN104601637A (en) * | 2013-12-31 | 2015-05-06 | 腾讯科技（深圳）有限公司 | Data processing method, data processing server, user terminal and system |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110555692A (en) * | 2018-06-01 | 2019-12-10 | 腾讯科技（深圳）有限公司 | virtual resource transfer method, device and storage medium |
| CN108898478A (en) * | 2018-06-28 | 2018-11-27 | 杭州复杂美科技有限公司 | Borrow or lend money method and system, equipment and storage medium |
| CN109166027A (en) * | 2018-07-02 | 2019-01-08 | 阿里巴巴集团控股有限公司 | A kind of loaning bill contract processing method and processing device |
| CN111610897A (en) * | 2019-02-22 | 2020-09-01 | 阿里巴巴集团控股有限公司 | Asset transfer prompting method and device and electronic equipment |
| CN111610897B (en) * | 2019-02-22 | 2023-05-02 | 阿里巴巴集团控股有限公司 | Asset transfer prompting method and device and electronic equipment |
| CN110490566A (en) * | 2019-08-20 | 2019-11-22 | 珠海格力电器股份有限公司 | Loaning bill processing method, device, processor and electronic device in instant messaging |
| CN112464194A (en) * | 2020-11-25 | 2021-03-09 | 数字广东网络建设有限公司 | Resource acquisition method and device, computer equipment and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106330502A (en) | Network resource processing method, device and system | |
| CN106408412B (en) | Mobile phone loan system | |
| CN108038687B (en) | Transaction method based on voice recognition, server and computer-readable storage medium | |
| CN100407624C (en) | Method and system for demanding and sending virtual articles in instant telecommunication | |
| CN107871234A (en) | Electric paying method and application server | |
| CN108764868A (en) | Block chain node-agent account checking method and block reconciliation agent node | |
| JP7162587B2 (en) | Order information processing method, apparatus and system | |
| WO2007102648A1 (en) | System and method for paying charge of internet item using request of gift in mobile configuration | |
| CN104718555A (en) | Self-authenticating peer to peer transaction | |
| CN105324782A (en) | Credit through unstructured supplementary service data | |
| CN109426955B (en) | Target object providing method, device and system | |
| CN109978522A (en) | A kind of method, apparatus and equipment of order payment | |
| CN107038644A (en) | Declaration form treating method and apparatus | |
| WO2017209831A1 (en) | Method and system for efficient shared transaction processing | |
| JP2009528602A (en) | Method and system for billing an account | |
| JP2007133742A (en) | Loan acceptance device, loan request terminal, loan settlement system, and loan acceptance method | |
| CN107818460A (en) | A kind of method of payment and device | |
| KR20090103109A (en) | System and Method for providing online loan brokerage service | |
| CN111258750B (en) | Data volume processing method and system, and credit allocation method and system | |
| CN110896353B (en) | Communication resource sharing processing method and device | |
| CN102034178A (en) | Cross-mechanism online payment method, system and device | |
| US20100005026A1 (en) | Method of communication implemented by a dating network | |
| WO2019025868A1 (en) | System and method for providing secured services | |
| CN105225153A (en) | Data processing method and device | |
| CN109360081A (en) | A kind of electric paying method and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1233080 Country of ref document: HK |
|
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170111 |
|
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1233080 Country of ref document: HK |