Specific embodiment
It is specifically real below in conjunction with the application to make the purpose, technical scheme and advantage of the application clearer
Apply example and corresponding accompanying drawing is clearly and completely described to technical scheme.Obviously, it is described
Embodiment is only some embodiments of the present application, rather than whole embodiments.Based on the implementation in the application
Example, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made
Example, belongs to the scope of the application protection.
The resource processing procedure that Fig. 1 is provided for the embodiment of the present application, the process specifically includes following steps:
S101:The resource transfers request of the first account transmission is received, wherein, wrapped in the resource transfers request
Containing the real resource amount to be shifted and the second account as resource transfers target.
It should be noted that in the embodiment of the present application, can be by service provider (including but not limited to:Website,
Bank, telecom operators etc.) service system on backstage provides the business platform of corresponding networking, that is,
First user and second user can register respective account (that is, the first account and in the business platform
Two accounts), certainly, the restriction to the application is not constituted here.
Based on this, under practical application scene, when first user obtains corresponding business from second user
After service, the second user as sending direction as recipient is now sent respective numbers by first user
Resource.So, in this process, first user can use the first account of its own, be carried by service
The business platform of the networking that supplier is provided, initiating resource transfers to the second account of second user itself please
Ask.
The purpose account (that is, the second account) of resource transfers is contained in described resource transfers request, together
When also contains the quantity (that is, real resource amount) that the first account will be sent to the real resource of the second account.
It is believed that the real resource amount that the first account sends to the second account, uses with first user from second
The business service obtained at family matches.
S102:According to the real resource amount, it is determined that the virtual resource amount corresponding with the real resource amount.
Because in actual applications, the business platform between different accounts by networking carries out real resource
During transfer, the extra consumption of real resource can be produced.Actually provide during resource transfers in order to avoid being appeared in
The consumption in source, so in the embodiment of the present application, the real resource that will be shifted is converted to corresponding
Virtual resource.
It is believed that the virtual resource in the embodiment of the present application, can be specifically during resource transfers,
It is not in the resource of the virtualization of extra consumption.
S103:From being pre-assigned to obtain the corresponding void of the virtual resource amount in the virtual resource of the first account
Intend resource, and be sent to second account, to cause that second account is converted to using the virtual resource
Corresponding real resource.
The service provider of the business platform of networking is provided for different user, it will usually each for different user
From account, distribute varying number virtual resource, such as:Account levels, different accounts according to different accounts
The resource transfers amount that family history is carried out etc. mode, determines the virtual resource that different accounts can possess
Quantity.Certainly, the restriction to the application is not constituted here.
Based on this, the virtual resource that the first account will be shifted to the second account is defined by above-mentioned steps
After amount, the virtual resource of respective numbers just can be obtained from the virtual resource of the first account is pre-assigned to,
And it is sent to the second account.And after the second account have received the virtual resource shifted by the first account, the
The virtual resource of acquisition can be again converted into two accounts the real resource of respective numbers.
Said process in the application can specifically be performed by the server in service provider background service system,
This does not constitute the restriction to the application.
It can be seen that, by above-mentioned steps, for the first account and the second account, carrying out resource conversion
During, real resource can be converted into the virtual resource of respective numbers, and the virtual resource after conversion is entered
Row transfer, is sent to the second account, so that, be not in that resource additionally disappears during resource transfers
The phenomenon of consumption, and after the second account have received the virtual resource of the first account transfer, will can also receive
Into the real resource of respective numbers, such mode has effectively been reduced or avoided reality to the virtual resource reconvert for arriving
There is the situation of extra consumption in transfer process in border resource, can save real resource for different user.
It should be noted that in the embodiment of the present application, it is determined that virtual resource corresponding to real resource amount
During amount, can be determined according to default resource conversion proportion, that is, for above-mentioned steps S102
For, the virtual resource amount corresponding with the real resource amount is determined, specifically include:According to setting
Stock number conversion proportion, the real resource amount that will be determined is converted to the virtual resource amount of number of matches.
For example:Assuming that stock number conversion proportion set in advance is " 1 unit real resource:2 units are virtual
Resource ", then, if in the case that the first account real resource amount to be shifted is 10, server can
According to stock number conversion proportion, the real resource of 10 units to be converted to the virtual resource of 20 units.
Certainly, in upper example, after the second account eventually receives the virtual resource of 20 units, still can be with
According to the stock number conversion proportion in upper example, then the reality that the virtual resource of 20 units is converted to 10 units
Resource.
The virtual resource of different accounts is pre-assigned in the embodiment of the present application, is provided by service provider,
It is not the real resource in user itself account, it is believed that virtual resource belongs to a kind of credit resources,
First account is not really wanted to shift real resource, and is only to provide the quantity of the real resource to be shifted,
And by server according to the quantity of the first account real resource to be shifted, from the virtual resource of the first account
The middle virtual resource for obtaining respective numbers, is sent to the second account.That is, the first account has used clothes
Business provider distributes to the virtual resource of the first account.Therefore, after user has used virtual resource, that
, server in the account of the user, will deduct the virtual resource of respective numbers, to represent the user
It is used for the virtual resource of respective numbers.In this case, user can send actual to server
Resource, to supplement used virtual resource.That is, under a kind of mode in the embodiment of the present application, institute
Stating method also includes:The real resource that first account sends is received, the real resource conversion that will be received
It is corresponding virtual resource, and distributes to first account.
That is, server is after the real resource that have received first user transmission, then it is converted into corresponding
The virtual resource of quantity, in adding to the virtual resource of first user.For example:Assuming that being pre-assigned to first
The total amount of the virtual resource of account is 1000, and the first account is 500 to the virtual resource amount that the second account is shifted,
So, now, the total amount of the virtual resource in the first account is just 500.It is assumed herein that, still according to upper example
In stock number conversion proportion, the first account user orientation server have sent the real resource of 250 units, therefore service
These real resources will be converted to respective numbers by device after the real resource for receiving the transmission of the first account
Virtual resource, that is, being converted to the virtual resource of 500 units, and distribute to the first account so that,
First account virtual resource amount now is just 1000.
For the second account as recipient, the virtual resource conversion that the second account can be obtained
Into the real resource of respective numbers, under such a scenario, methods described also includes:Receive the second account hair
The resource convert requests of the carrying virtual resource amount sent, according to the resource convert requests, described the
In the virtual resource of two accounts, the corresponding virtual resource of virtual resource amount that will be changed is converted to coupling number
The real resource of amount, and it is sent to second account.
For example:Assuming that the second account user orientation server sends request, to change 500 as transmitted by the first account
The virtual resource of unit, then, server after it have received the request, then according to stock number conversion proportion
(assuming that still according to the stock number conversion proportion in upper example), from the virtual resource of the second account, obtains 500
The virtual resource of unit, and the real resource of 250 units is converted to, it is sent to the second account.
Explanation is needed exist for, if original virtual resource and being not used by the second account, it is assumed that second
The total amount of the virtual resource of account is 1000, the virtual money of 500 units due to receiving the transmission of the first account
Source, so, now, the total amount of the virtual resource in the second account is 1500.On this basis, if
The quantity of the virtual resource to be changed of two accounts is 500 (or less than 500), then, the second account is being obtained
After obtaining corresponding real resource, and real resource need not be sent (it is believed that by taking to server again
Business provider distributes to the virtual resource of the second account and is not used by).When second user changed it is virtual
When stock number is more than 500, this indicates that second user using distributing to the second account by service provider
Virtual resource, so, in this case, second account needs to send respective numbers to server
Real resource, to supplement its virtual resource for using.
As a kind of mode in the embodiment of the present application, the second account in the case where resource conversion is not carried out,
If obtaining corresponding business service from other users using the second user of the second account, then, second
User just can carry out resource using the virtual resource in the second account of its own to the account of other users
Transfer.Similarly, if the second account shifts virtual resource to other accounts, if used by servicing
During the pre-assigned virtual resource of provider, then, the second account is accomplished by sending respective numbers to server
Real resource, to supplement its virtual resource for using.
For the process of above-mentioned second account request conversion virtual resource, indicate that second user will make
With real resource, now, used as a kind of mode in the embodiment of the present application, the second account to be converted to
Real resource can be provided by the first account, in the case, the virtual resource amount that will be changed is corresponding
Virtual resource is converted to the real resource of number of matches, and before being sent to second account, methods described
Also include:It is determined that receive that first account sends with the actual money that includes in resource transfers request
The real resource that source amount matches.
That is, after server have received the resource convert requests of the second account transmission, according to second
The quantity of the real resource to be changed of account, obtains corresponding in the real resource for preferentially being sent from the first account
The real resource of quantity, is sent to the second account.Explanation is needed exist for, is understood based on above content,
First account user orientation server send real resource be in order to supplement the virtual resource that the first account is used,
After server have received the real resource of the first account transmission, real resource can be converted into respective numbers
Virtual resource is simultaneously supplemented to the first account, that is to say, that for the first account, supplemented with real resource
Its virtual resource for using, is considered as a kind of " equal value exchange ", and the first account is sent to server
Real resource, then being serviced device stored (can be stored by the particular account of server internal, this
In and be not especially limited).So as to if now, the resource conversion that server have received the second account please
Ask, then, the real resource sent by the first account can be just sent to the second account by server.
In actual applications, in fact it could happen that following situation:The second account have sent resource convert requests so as to
In the case that conversion obtains the real resource of respective numbers, first user also may not send actual to server
Resource, so, in order to the appearance of such situation is reduced or avoided, therefore in the embodiment of the present application, the money
Also include that real resource sends the time limit in the transfer request of source, from being pre-assigned in the virtual resource of the first account
Obtain the corresponding virtual resource of the virtual resource amount, and before being sent to second account, methods described
Also include:The resource conversion time limit of the second account transmission is received, determines that the real resource transmission time limit does not surpass
Spend the resource conversion time limit.
In other words, when the second account receives the virtual resource that the first account sends, second user would generally be bright
Really its need to carry out the time of resource conversion, so as to remind first user before the time by the first account to
Server sends real resource, and real resource is used in order to second user.So, sent by the first account
Real resource send the time limit need to be no more than the second account resource conversion the time limit.
In addition, in the embodiment of the present application, the first above-mentioned account represents sender's account, correspondingly,
Second account represents recipient's account.That is, when user passes through account of its account to other users
When carrying out resource transfers operation, the account for sending resource transfers operation is exactly the first account, receives the money of transfer
The account in source is exactly the second account.And the first current account have received the void for coming from the transmission of other accounts
When intending resource, the first account just changes for recipient's account, i.e. the first account now is transformed to the
Two accounts.For accordingly for the second account, when it sends virtual resource to other accounts, it will
It is transformed into the first account.Here the restriction to the application is not constituted.
In sum, under actual scene, when first user obtains corresponding business clothes from second user
After business, first user simultaneously can use the first account of its own, and resource transfers are initiated to the second account, with
The second account is given by the resource transfers of respective numbers, and during resource transfers, server can be according to the
The resource transfers request of one account, the real resource of required transfer is converted into the virtual resource of respective numbers,
And virtual resource is transferred to the second account, so that, during resource transfers are carried out, money will not be produced
The extra consumption in source, also, the virtual resource received by the second account, can still be converted into respective numbers
Real resource, used for second user.
For the above method in the application, it is also applied for interindividual in practical application
The service architecture of ecommerce (Customer to Customer).In order to clearly illustrate above-mentioned Energy Resources Service
Reason process, now with real resource as fund, virtual resource is described for the scene of account credit.
Under the scene, first user can obtain the business service that second user is provided, now, first
User needs to pay corresponding fund to second user, but first user passes through its first account to second user
The second bill payment fund during, extra-pay can be produced.Precisely in order to avoiding or reducing in branch
The generation of extra charge during paying the bill, therefore a kind of resource treatment side is also provided in the embodiment of the present application
Method, as shown in Fig. 2 specifically including following steps:
S201:The payment request of the first account transmission is received, wherein, include to be propped up in the payment request
The fund amount paid and the second account for receiving fund.
S202:According to the fund amount, it is determined that the credit value corresponding with the fund amount.
S203:The corresponding account letter of the credit value is obtained from the account credit for being pre-assigned to the first account
With, and second account is sent to, to cause that second account is converted to matching using account credit
The fund of amount.
For the above method, service provider will distribute corresponding account credit for the account of different user,
Just it has been observed that the account credit of each account can be according to the account levels of different accounts, history payout status
Determine Deng many factors, the restriction to the application is not constituted here.In the embodiment of the present application, entering
During row pays, it is possible to use accounts information is paid instead of proceeds, that is to say, that when the
One account will fund corresponding to the second bill payment when, what server can be paid according to the first account
Fund, obtains the account credit of corresponding credit value, and these accounts are believed from the account credit of the first account
With being sent to the second account so that the credit value of the account credit of the second account accumulates.
Herein it should be noted that under above-mentioned application scenarios, service provider can be bank, tool
There is website of Internet bank's function etc..The account credit of different accounts, both can be that service provider is difference
Account is distributed, or is initiated to ask by account, and server will distribute account according to the account for sending request
Family credit, does not constitute the restriction to the application here.In addition, there is the first account to be transferred to the second account
Account credit, can be realized by the way of corresponding electronic bill.
It is similar with foregoing teachings under this application scene, can also between actual fund and account credit
Determined by the stock number conversion proportion for setting, no longer excessively repeated here.
By above-mentioned steps, first user, can be without actual fund be turned by its first account
Move, but use the account credit of the first account as a kind of " currency ", pay the second account, also
To say, first user has used the account credit in its first account, thus first user require supplementation with its first
The account credit of account, so, methods described also includes:The fund that first account sends is received, will
The amount of the fund determined, is converted to the account credit of corresponding amount, and by the account credit score after conversion
First account described in dispensing.
For the second account that have received account credit, the account credit that can be obtained is converted to reality
The fund on border, therefore, methods described also includes:The fund convert requests of the second account transmission are received, wherein,
The credit value to be changed is included in the fund convert requests, according to the fund convert requests, described
In the account credit of the second account, the credit value that will be changed is converted to corresponding fund, and is sent to institute
State the second account.
Further, the corresponding account credit of the credit value that will be changed is converted to corresponding real resource,
And before being sent to second account, methods described also includes:It is determined that receive first account sending
Pay the fund that the fund amount that includes in request matches with described.
For example:Assuming that the account credit in the first account and the second account is respectively 1000.First user is from
After corresponding business service is obtained at two users, first user need to be to the fund of 00 yuan of second user transferase 45.
Now, first user just can use its first account, and the payment for sending the second account to second user please
Ask, to ask to pay 500 yuan of funds.Simultaneously, it is assumed that the conversion proportion of account credit and fund is 1:1,
So, after server have received payment request, the account credit of 500 units will be converted into, and from
Deducted in the account credit of the first account, and be sent to the second account.Now, the account credit of the first account
It is 500, the account credit of the second account is 1500.
First account have sent 500 yuan of funds at certain moment to server, then, server is according to the first account
500 yuan of funds transmitted by family, the account credit for being converted into 500 units is reallocated to the first account.So as to,
Now the account credit in the first account is just 1000.
Second account have issued fund convert requests at certain moment to server, to ask the money of 500 yuan of conversion
, then, 500 yuan of funds that the first account that server will will be received sends are sent to the second account,
And 500 are deducted from the account credit of the second account, so, now the account credit of the second account is just 1000.
It should be noted that under assuming a kind of mode in the embodiment of the present application, it is assumed that different accounts will be obtained
Account credit is obtained, it is necessary to send application to server, in this case, for the second account,
If the second account did not send application, that is to say, that the second account does not simultaneously have account credit, but should
Second account have received the account credit sent from the first account again, then, it is believed that this second
Account account credit now is exactly the account credit that the first account sends, because it was not proposed to server
Application, so, the authority of second account and the fund without conversion reality, in other words, second user
Can be shifted to other accounts using account credit current in its second account, be taken with obtaining corresponding business
Business, but second user can not be to the actual fund of server conversion.
From upper example, the fund convert requests that the second account is sent indicate that second user needs to make
Use corresponding fund, this is accomplished by the fund transmitted by the first account, based on this, in the embodiment of the present application,
Also include that fund sends the time limit, obtains from the account credit for being pre-assigned to the first account in the payment request
Take the corresponding account credit of the credit value, and before being sent to second account, methods described also includes:
The fund conversion time limit of the second account transmission is received, determines that the fund sends the time limit no more than the fund turn
Change the time limit.
Certainly, if before the fund conversion time limit, the not oriented server of the first account sends fund, then,
The first account can be again received in subsequent process from server in advance to the fund that the second bill payment is actual
Transmitted fund, does not constitute the restriction to the application here.
It is above the method for processing resource that the embodiment of the present application is provided, based on same thinking, the application is implemented
Example also provides a kind of resource processing unit, as shown in Figure 3.
In figure 3, the resource processing unit includes:
Receiver module 301, for receiving the resource transfers request that the first account sends, wherein, the resource
Comprising the real resource amount and the second account as resource transfers target to be shifted in transfer request;
Determining module 302, for according to the real resource amount, it is determined that corresponding with the real resource amount
Virtual resource amount;
Resource transfers module 303, for from being pre-assigned to obtain the void in the virtual resource of the first account
Intend the corresponding virtual resource of stock number, and be sent to second account, to cause that second account is used
The virtual resource is converted to corresponding real resource.
Determining module 302, specifically for the stock number conversion proportion according to setting, the reality that will be determined
Border stock number is converted to the virtual resource amount of number of matches.
Described device also includes:First modular converter 304, for receiving the reality that first account sends
Resource, the real resource that will be received is converted to corresponding virtual resource, and distributes to first account.
Described device also includes:Second modular converter 305, for receiving described in the carrying that the second account sends
The resource convert requests of virtual resource amount, according to the resource convert requests, in the virtual of second account
In resource, the corresponding virtual resource of virtual resource amount that will be changed is converted to the real resource of number of matches,
And it is sent to second account.
Second modular converter 305, is additionally operable to virtual money corresponding in the virtual resource amount that will be changed
Source is converted to the real resource of number of matches, and before being sent to second account, it is determined that receiving described
The real resource matched with the real resource amount that includes in resource transfers request that first account sends.
Also include that real resource sends the time limit in the resource transfers request, described device also includes:Time limit mould
Block 306, for from being pre-assigned to be obtained in the virtual resource of the first account the virtual resource amount correspondence
Virtual resource, and before being sent to second account, receive the resource conversion time limit that the second account sends,
Determine that the real resource sends the time limit no more than the resource conversion time limit.
A kind of resource treatment dress is also provided under the scene based on C2C service architectures, in the embodiment of the present application
Put, as shown in figure 4, including:
Receiver module 401, for receiving the payment request that the first account sends, wherein, it is described to pay request
In the second account comprising the fund amount to be paid and reception fund;
Determining module 402, for according to the fund amount, it is determined that the letter corresponding with the fund amount
With value;
Resource transfers module 403, for obtaining the letter from the account credit for being pre-assigned to the first account
With being worth corresponding account credit, and second account is sent to, to cause that second account uses the account
Family credit is converted to the fund of matching amount.
Described device also includes:First modular converter 404, for receiving the fund that first account sends,
The amount of the fund that will be determined, is converted to the account credit of setting amount, and by the account credit after conversion
Distribute to first account.
Described device also includes:Second modular converter 405, for receiving the fund conversion that the second account sends
Request, wherein, the credit value to be changed is included in the fund convert requests, changed according to the fund
Request, in the account credit of second account, the credit value that will be changed is converted to matching amount
Fund, and it is sent to second account.
Second modular converter 405, is additionally operable to be converted in the corresponding account credit of the credit value that will be changed
Corresponding real resource, and before being sent to second account, it is determined that receive first account sending
Pay the fund that the fund amount that includes in request matches with described.
It is described pay request in also include fund send the time limit, described device also include time limit mould, 406, be used for
The corresponding account credit of the credit value is obtained in from the account credit for being pre-assigned to the first account, concurrently
The fund conversion time limit of the second account transmission is received before giving second account, determines that the fund sends
Time limit changes the time limit no more than the fund.
In a typical configuration, computing device includes one or more processors (CPU), input/defeated
Outgoing interface, network interface and internal memory.
Internal memory potentially includes the volatile memory in computer-readable medium, random access memory
And/or the form, such as read-only storage (ROM) or flash memory (flash RAM) such as Nonvolatile memory (RAM).
Internal memory is the example of computer-readable medium.
Computer-readable medium includes that permanent and non-permanent, removable and non-removable media can be by appointing
What method or technique realizes information Store.Information can be computer-readable instruction, data structure, program
Module or other data.The example of the storage medium of computer include, but are not limited to phase transition internal memory (PRAM),
Static RAM (SRAM), dynamic random access memory (DRAM), it is other kinds of with
Machine accesses memory (RAM), read-only storage (ROM), Electrically Erasable Read Only Memory
(EEPROM), fast flash memory bank or other memory techniques, read-only optical disc read-only storage (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic cassette tape, tape magnetic rigid disk are stored or it
His magnetic storage apparatus or any other non-transmission medium, can be used to store the letter that can be accessed by a computing device
Breath.Defined according to herein, computer-readable medium does not include temporary computer readable media (transitory
Media), such as the data-signal and carrier wave of modulation.
Also, it should be noted that term " including ", "comprising" or its any other variant be intended to non-row
His property is included, so that process, method, commodity or equipment including a series of key elements not only include
Those key elements, but also other key elements including being not expressly set out, or also include for this process,
Method, commodity or the intrinsic key element of equipment.In the absence of more restrictions, by sentence " including
One ... " key element that limits, it is not excluded that in the process including the key element, method, commodity or set
Also there is other identical element in standby.
It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer journey
Sequence product.Therefore, the application can using complete hardware embodiment, complete software embodiment or combine software and
The form of the embodiment of hardware aspect.And, the application can be used and wherein include calculating at one or more
Machine usable program code computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM,
Optical memory etc.) on implement computer program product form.
Embodiments herein is the foregoing is only, the application is not limited to.For this area skill
For art personnel, the application can have various modifications and variations.All institutes within spirit herein and principle
Any modification, equivalent substitution and improvements of work etc., within the scope of should be included in claims hereof.