CN107729124B

CN107729124B - Transaction processing method and device and electronic equipment

Info

Publication number: CN107729124B
Application number: CN201710816453.5A
Authority: CN
Inventors: 刘晖
Original assignee: Advanced New Technologies Co Ltd
Current assignee: Advanced Nova Technology Singapore Holdings Ltd
Priority date: 2017-09-12
Filing date: 2017-09-12
Publication date: 2021-06-29
Anticipated expiration: 2037-09-12
Also published as: CN107729124A

Abstract

One or more embodiments of the present specification provide a transaction processing method and apparatus, and an electronic device. In one embodiment, a transaction processing method includes: receiving a transaction processing instruction carrying first information from merchant equipment, wherein the first information is obtained by scanning an object to be scanned corresponding to a target user by the merchant equipment; analyzing the first information in response to the transaction processing instruction to obtain a client account corresponding to the target user and a merchant identifier corresponding to the merchant device; determining a virtual resource to be processed corresponding to the merchant identifier; and establishing an incidence relation between the virtual resources to be processed and the client account.

Description

Transaction processing method and device and electronic equipment

Technical Field

One or more embodiments of the present disclosure relate to the field of internet technologies, and in particular, to a transaction processing method and apparatus, and an electronic device.

Background

Today, many transactions (e.g., internet payments, merchant promotions, electronic coupon distribution, etc.) may be performed over the internet. In many scenarios, there is generally a precondition for the implementation of internet-based transactions: a User Equipment (UE) used by a user needs to connect to the internet (e.g., via Wi-Fi). For example: customers coming to a shop of an offline merchant need to receive the electronic coupons of the merchant, and the customers can only scan the two-dimensional codes provided by the merchant after connecting the internet. However, in some special scenarios (e.g., the user is abroad), the user device cannot connect to the internet, which results in the limited implementation of the transaction.

Disclosure of Invention

In view of this, one or more embodiments of the present disclosure provide a transaction processing method and apparatus, and an electronic device.

In order to achieve the above purpose, one or more embodiments of the present disclosure provide the following technical solutions:

in one aspect, a transaction processing method is provided, which includes:

receiving a transaction processing instruction carrying first information from merchant equipment, wherein the first information is obtained by scanning an object to be scanned corresponding to a target user by the merchant equipment;

analyzing the first information in response to the transaction processing instruction to obtain a client account corresponding to the target user and a merchant identifier corresponding to the merchant device;

determining a virtual resource to be processed corresponding to the merchant identifier;

and establishing an incidence relation between the virtual resources to be processed and the client account.

In yet another aspect, a transaction processing apparatus is provided, including:

the system comprises a receiving unit and a processing unit, wherein the receiving unit is used for receiving a transaction processing instruction which carries first information and is obtained by merchant equipment through scanning an object to be scanned corresponding to a target user;

the analysis unit is used for responding to the transaction processing instruction and analyzing the first information to obtain a client account corresponding to the target user and a merchant identifier corresponding to the merchant equipment;

the determining unit is used for determining the virtual resource to be processed corresponding to the merchant identifier;

and the establishing unit is used for establishing the association relationship between the virtual resources to be processed and the client account.

In yet another aspect, an electronic device is provided, including:

a processor;

a memory for storing processor-executable instructions;

the processor is configured to:

According to the technical scheme, after the user comes to a shop of a merchant, the user can provide the object to be scanned (the object to be scanned corresponds to the target user) to the merchant. Then, the merchant can scan the object to be scanned by using the merchant device to obtain first information, and send a transaction processing instruction carrying the first information to the service end through the merchant device. And the server analyzes the first information to obtain a client account logged in the user equipment and a merchant identifier corresponding to the merchant. Then, the service end can determine the virtual resources to be processed owned by the merchant according to the merchant identifier, and finally, the service end establishes an association relationship between the virtual resources to be processed and the client account. Therefore, the above process is realized without the need that user equipment used by the user must be connected with the internet, a specific transaction can be completed under the condition of no network, and information interaction between a merchant and a customer can be conveniently realized by establishing the association between the virtual resource to be processed and the client account of the user.

Drawings

FIG. 1 illustrates a scene diagram provided by an exemplary embodiment;

FIG. 2 depicts a flowchart of a method for transaction processing provided by an illustrative embodiment;

FIG. 3 depicts a flowchart of a method for transaction processing performed by a server in accordance with an illustrative embodiment;

FIG. 4 illustrates a block diagram of a transaction device in accordance with an exemplary embodiment;

fig. 5 shows a structure of an electronic device provided in an exemplary embodiment.

Detailed Description

Fig. 1 illustrates a scenario provided in an exemplary embodiment, where the scenario includes: the system comprises a salesperson of a merchant (such as a shopping mall, a supermarket and the like), a user (customer) coming to an off-line shop of the merchant, merchant equipment, client equipment (or called user equipment or user terminal) operated by the user, and a service end interacting with the merchant equipment through the Internet. The server can be a server of a certain network platform (such as a network payment platform, an instant messaging platform, etc.), and the client device is provided with a client program corresponding to the server. In an embodiment, the above merchant device may refer to a device used by one or more merchants, including: a device for scanning a code pattern code, etc. The merchant device can be operated by a clerk (such as a code scanning gun) or can be an equipment which does not need to be operated by a person (such as a device which is placed in a store or outside a store door and used for self-help code scanning for customers). Currently, in many off-line stores, merchant devices may use an interface provided by a network payment platform to implement corresponding functionality through the interface. It should be noted that in other scenarios, the merchant device may also interact with the server side through a background system provided by an Independent Software developer (ISV) instead of directly interacting with the server side, which is not limited herein. In the scenario shown in fig. 1, after a user comes to a store of a merchant, the user may take out a client device used by the user to generate a graphical code, and provide the graphical code (of course, the user may also print the graphical code) to a clerk, and then the clerk may scan the graphical code provided by the user by using the merchant device to obtain code information (i.e., first information mentioned below) corresponding to the graphical code, and finally, the merchant device sends the code information to a server for parsing, so as to complete a specific transaction process. It should be noted that the object to be scanned provided by the customer to the clerk is not limited to the graphic code, for example: a user's biometric features (a face or a fingerprint, etc.), or a specific object set by the user that can uniquely represent his identity, etc.

Fig. 2 is a flow chart illustrating a transaction processing method according to an exemplary embodiment. As shown in fig. 2, in an embodiment, taking scanning a scene of a graphic code provided by a user as an example, the method includes the following steps 101 to 109, where:

in step 101, the client device generates a graphical code.

The client device generates the graphic code under the condition that the client device cannot be connected with the internet, wherein the graphic code is a pattern or line obtained by coding information according to a certain coding rule, and the graphic code comprises but is not limited to at least one of a two-dimensional code, a bar code and a three-dimensional code.

In one embodiment, the client device may utilize a token obtained from the server at the last time it connected to the internet and generate the graphical code according to a certain algorithm. Certainly, the valid duration of the token can be set as required, and after the token is invalid, the client device is required to be connected with the internet again to obtain a new token from the server.

In step 102, the merchant device scans a graphical code provided by the client device to obtain first information (which may be a binary string) corresponding to the graphical code.

In step 103, the merchant device sends a transaction processing instruction carrying the first information to the server.

In this embodiment, the transaction processing instruction is used to indicate a specific transaction to be executed, and the transaction may include, but is not limited to: the electronic coupon of the merchant is sent to the user, or a subscription relationship between a public account owned by the merchant and a client account owned by the user is established (namely the client account subscribes to the public account), or a queuing number is sequentially issued to each user who consumes the merchant, or a designated applet is added to the client account owned by the user (namely an application which can be used without downloading and installing), and the like. Wherein the electronic coupons include, but are not limited to: voucher, discount coupon, cash red pack, full discount coupon, membership card (e.g. having the membership card can enjoy discount coupon) etc. The public account (also referred to as public number) may be an application account applied by the merchant on an instant messaging public platform, for example: WeChat public account. Through the public number, a merchant can realize communication or interaction with a specific group (namely, a common user subscribing the public number) in the modes of characters, pictures, voice, video and the like on the instant communication platform. Generally, for the service end, a functional interface for realizing a certain transaction can be provided for the merchant device to call, and the process of the merchant device calling the functional interface immediately sends the process of the transaction processing instruction. For convenience of description, the present embodiment is described by taking a scenario of issuing an electronic coupon as an example.

In step 104, the server parses the first information from the merchant device to obtain a client account logged on the user device and a merchant identifier corresponding to the merchant.

In an embodiment, the server may analyze the first information through the gateway to determine whether the first information is legal, determine whether the merchant has the authority to initiate a specific transaction, and the like. Generally, if the first information is successfully parsed, information, such as a client account (e.g., an account registered by the user on the network payment platform) logged in the user equipment, a merchant identifier (used to uniquely identify the merchant) corresponding to the merchant, and the like, implied in the first information may be obtained.

In step 105, it is determined whether the client account is set to a back coupon that requires user confirmation. If the user confirms the back coupon, the process proceeds to step 106, and if the user does not confirm the back coupon, the process proceeds to step 108.

In fact, it is possible that the user may not be interested in the electronic coupons offered by the merchant after the merchant has first consumed, which may result in a poor use experience for the user if the coupons are automatically received without networking. Therefore, whether to automatically receive the coupon or to confirm the back receivable coupon by the user can be set by the user.

In step 106, after the client device connects to the internet, the server side pushes prompt information to the client device, wherein the prompt information is used for prompting that the electronic coupon to be picked up exists. For example, the prompt may be a message, a web page link (the user needs to access a particular web page to receive a coupon), or the like.

In step 107, the client device sends an instruction to the server to confirm the electronic coupon is received. Wherein the instruction may be generated by the client device in response to a specific operation by the user, such as clicking a "confirm pick" button.

In step 108, it is determined whether the client account and/or the merchant comply with the issuing rules. If the client account and/or the merchant meet/meets the issuing rule, step 109 is entered, otherwise, the process is ended.

In one embodiment, the ticketing rules can be set by the merchant and associated with the merchant identification. In general, a merchant may define a coupon rule according to its own marketing purpose, such as: and one account is limited to receive the electronic coupon only once, or the user needs to pay attention to the public account of the merchant to receive the coupon and the like. The issuing rules may differ from merchant to merchant.

In step 109, the electronic coupon corresponding to the merchant identification is assigned to the client account.

It can be seen that, the processes in steps 101 to 109 above can implement the issuance of the electronic coupon in a scenario where the user equipment cannot connect to the internet. For some cross-border travel scenes, the method solves the problem of first handshaking between the merchant and the user in a network-free environment.

In other embodiments, one or more of steps 105, 106, 107, and 108 described above may be omitted. When one or more of the steps are omitted, the order between the above steps may be adjusted accordingly. For example: when step 105, step 106, step 107 and step 108 are omitted, step 109 can be directly entered after step 104 is executed; when step 108 is omitted, if the client account is not set to require a user to confirm a back coupon, directly entering step 109, and directly entering step 109 after step 107 is executed; when step 105, step 106 and step 107 are omitted, step 104 may directly proceed to step 108 after being executed; and so on.

In an embodiment, the step 109 may specifically include:

step 1091: and obtaining a public account corresponding to the merchant identification.

Step 1092: and determining the client account as a subscription object of a public account corresponding to the merchant identification.

Step 1093: and distributing the electronic coupon corresponding to the merchant identification to the client account through the public account.

Fig. 3 is a flowchart illustrating a transaction processing method executed by a server according to an exemplary embodiment, where the server may be a server of various types of network platforms (e.g., a network payment platform, an instant messaging platform, etc.), and in an embodiment, the method may include:

step 202: receiving a transaction processing instruction carrying first information from merchant equipment, wherein the first information is obtained by scanning an object to be scanned corresponding to a target user by the merchant equipment.

Wherein the object to be scanned includes but is not limited to: the target user (i.e. the customer who comes to the merchant for consumption) generates a graphic code (e.g. a two-dimensional code) by using user equipment (e.g. a mobile phone, a watch, a computer and the like) without connecting with the Internet, or generates a biological characteristic (e.g. a face or a fingerprint) of the target user.

Step 204: in response to the transaction instruction, the first information is parsed to obtain a client account corresponding to the target user (i.e., a personal account number registered by the target user on the network platform) and a merchant identifier corresponding to the merchant device (for uniquely identifying the merchant).

Step 206: and determining the virtual resource to be processed corresponding to the merchant identifier.

The "determining" may be to search a specific database for the virtual resource to be processed corresponding to the merchant identifier, or to obtain the virtual resource to be processed from the merchant identifier itself (e.g., decoding), which is not limited herein.

In one embodiment, the virtual resources to be processed include, but are not limited to: public accounts, electronic coupons, membership cards, applets, etc. For the public account, the public account registered on a certain specific platform corresponding to the merchant identifier can be found. For electronic coupons, a share of the electronic coupon corresponding to the merchant identification for use at the merchant (e.g., 1 sheet, or 100 dollars cash redeemable) may also be obtained.

Step 208: and establishing an incidence relation between the virtual resources to be processed and the client account.

If the virtual resource to be processed is a public account, step 208 specifically includes:

and establishing a subscription relationship between the public account number of the merchant and the client account.

If the virtual resource to be processed is an electronic coupon, the step 208 specifically includes:

assigning an electronic coupon for use at the merchant to the client account.

According to the scheme, for some cross-border travel scenes, due to the fact that most of the cross-border travel scenes are in a non-network environment, a user can provide a to-be-scanned object which is uniquely corresponding to the user (such as a graphic code or a human face generated by a mobile phone in a non-network state) for a merchant after the user comes to an off-line store of the merchant, then the merchant can scan the to-be-scanned object by using merchant equipment to obtain first information and transmit the first information to a server, the server can analyze the first information to obtain a client account corresponding to a target user and a merchant identifier corresponding to the merchant, and finally, an association relation between the to-be-processed virtual resource owned by the merchant and the client account is established. Through the process, the method solves the problem of first handshake of the merchant and the user (namely the customer coming to the merchant) in a network-free environment, and effectively overcomes the limitation that some transaction processing processes between the merchant and the user are limited by network connection. Through the process, the user can conveniently acquire information (such as new product information, new preferential activities and the like) related to the merchant through the virtual resources (electronic coupons or public account numbers) associated with the client accounts, so that the marketing effect of the merchant and the consumption experience of the user are improved.

Corresponding to the above method, a transaction processing device is also provided herein, which may be implemented by software code.

As shown in fig. 4, in an embodiment, a transaction device 300 may include: receiving unit 301, parsing unit 302, determining unit 303 and establishing unit 304. Wherein:

the receiving unit 301 may be configured to: receiving a transaction processing instruction carrying first information from merchant equipment, wherein the first information is obtained by scanning an object to be scanned corresponding to a target user by the merchant equipment.

The parsing unit 302 may be configured to: and responding to the transaction processing instruction, analyzing the first information to obtain a client account corresponding to the target user and a merchant identification corresponding to the merchant device.

The determining unit 303 may be configured to: and determining the virtual resource to be processed corresponding to the merchant identifier.

The establishing unit 304 may be configured to: and establishing an incidence relation between the virtual resources to be processed and the client account.

In one embodiment, the virtual resource to be processed comprises at least one of a public account number and an electronic coupon.

If the virtual resource to be processed is a public account, the establishing unit 304 is configured to: and establishing a subscription relationship between the public account corresponding to the merchant identification and the client account.

In another embodiment, if the virtual resource to be processed is an electronic coupon, the establishing unit 304 is configured to: assigning an electronic coupon for use at the merchant to the client account.

The apparatus 300 may further include a first determination unit configured to: and judging whether the client account is set to be a back coupon which needs to be confirmed by the user. Accordingly, the establishing unit 304 is configured to: and if the client account is not set as the back coupon which needs to be confirmed by the user, distributing the electronic coupon corresponding to the merchant identification to the client account.

In an embodiment, the apparatus 300 may further include a prompt information pushing unit configured to: and if the client account is set to require a user to confirm the back coupon, pushing prompt information to user equipment after the user equipment logging in the client account is connected with the Internet. The prompt information is used for prompting that the electronic coupon to be picked up exists. Accordingly, the establishing unit 304 may be configured to: and if an instruction for confirming the receipt of the electronic coupon from the user equipment is received, distributing the electronic coupon corresponding to the merchant identification to the client account.

In an embodiment, if the virtual resource to be processed is an electronic coupon, the apparatus 300 may further include a second determining unit, configured to: and judging whether the client account and/or the merchant conform to the ticket issuing rule. Accordingly, the establishing unit 304 may be configured to: and if the client account and/or the merchant accord with a coupon issuing rule, distributing the electronic coupon corresponding to the merchant identification to the client account.

In one embodiment, the issuing rules are set by the merchant and associated with the merchant identification.

In an embodiment, the establishing unit 304 may include:

the obtaining subunit obtains a public account corresponding to the merchant identifier;

a determining subunit, configured to determine the client account as a subscription object of a public account corresponding to the merchant identifier;

and the coupon sending subunit distributes the electronic coupon corresponding to the merchant identifier to the client account through the public account.

As shown in fig. 5, one or more embodiments of the present disclosure provide an electronic device (e.g., a server) that may include a processor, an internal bus, a network interface, a memory (including a memory and a non-volatile memory), and possibly hardware required for other services. A processor may be one or more instances of a Central Processing Unit (CPU), processing unit, processing circuit, processor, Application Specific Integrated Circuit (ASIC), microprocessor, or other processing logic that may execute instructions. The processor reads the corresponding program from the nonvolatile memory into the memory and then runs the program. Of course, besides software implementation, the one or more embodiments in this specification do not exclude other implementations, such as logic devices or combinations of software and hardware, and so on, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

In one embodiment, the processor may be configured to:

The embodiments in the present specification are described in a progressive manner, and the same/similar parts in the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for the apparatus embodiment and the device embodiment, since they are substantially similar to the method embodiment, the description is relatively simple, and the relevant points can be referred to the partial description of the method embodiment.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the various elements may be implemented in the same one or more software and/or hardware implementations in implementing one or more embodiments of the present description.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media (transmyedia) such as modulated data signals and carrier waves.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, one or more embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is merely exemplary of one or more embodiments of the present disclosure and is not intended to limit the scope of one or more embodiments of the present disclosure. Various modifications and alterations to one or more embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of one or more embodiments of the present specification should be included in the scope of claims of one or more embodiments of the present specification.

Claims

1. A transaction processing method, comprising:

receiving a transaction processing instruction carrying first information from a merchant device, where the first information is obtained by the merchant device by scanning an object to be scanned corresponding to a target user, and the object to be scanned includes: at least one of a graphic code generated by a user device used by the target user without connecting to the Internet and a biological characteristic of the target user;

2. The method of claim 1, the virtual resource to be processed comprises at least one of a public account number, an electronic coupon;

the establishing of the association relationship between the virtual resource to be processed and the client account comprises:

establishing a subscription relationship between a public account corresponding to the merchant identifier and the client account; or the like, or, alternatively,

and distributing the electronic coupon corresponding to the merchant identification to the client account.

3. The method of claim 1, further comprising:

judging whether the client account is set to require a user to confirm a back coupon;

and if the client account is not set as the back coupon which needs to be confirmed by the user, distributing the electronic coupon corresponding to the merchant identification to the client account.

4. The method of claim 3, further comprising:

if the client account is set to require a user to confirm a back coupon, pushing prompt information to user equipment after the user equipment logging in the client account is connected with the Internet, wherein the prompt information is used for prompting the existence of an electronic coupon to be picked up;

the assigning the electronic coupon corresponding to the merchant identification to the client account comprises:

and if an instruction for confirming the receipt of the electronic coupon from the user equipment is received, distributing the electronic coupon corresponding to the merchant identification to the client account.

5. The method of claim 1, further comprising, if the virtual resource to be processed is an electronic coupon:

judging whether the client account and/or the merchant accord with a coupon issuing rule or not;

and if the client account and/or the merchant accord with a coupon issuing rule, distributing the electronic coupon corresponding to the merchant identification to the client account.

6. A transaction processing device, comprising:

a receiving unit, configured to receive a transaction processing instruction carrying first information from a merchant device, where the first information is obtained by the merchant device by scanning an object to be scanned corresponding to a target user, and the object to be scanned includes: at least one of a graphic code generated by a user device used by the target user without connecting to the Internet and a biological characteristic of the target user;

7. The apparatus of claim 6, the virtual resource to be processed comprises at least one of a public account number, an electronic coupon;

the establishing unit is configured to:

8. The apparatus according to claim 6, further comprising a first determining unit if the virtual resource to be processed is an electronic coupon, the first determining unit being configured to: judging whether the client account is set to require a user to confirm a back coupon;

the establishing unit is configured to: and if the client account is not set as the back coupon which needs to be confirmed by the user, distributing the electronic coupon corresponding to the merchant identification to the client account.

9. The apparatus of claim 8, further comprising a hint information push unit configured to: if the client account is set to require a user to confirm a back coupon, pushing prompt information to user equipment after the user equipment logging in the client account is connected with the Internet, wherein the prompt information is used for prompting the existence of an electronic coupon to be picked up;

the establishing unit is configured to:

10. The apparatus according to claim 6, further comprising a second determination unit configured to, if the virtual resource to be processed is an electronic coupon: judging whether the client account and/or the merchant accord with a coupon issuing rule or not;

the establishing unit is configured to:

11. An electronic device, comprising:

a processor;

a memory for storing processor-executable instructions;

the processor is configured to:

12. The electronic device of claim 11, the object to be scanned comprising: at least one of a graphic code generated by a user device used by the target user without connecting to the Internet and a biometric characteristic of the target user.

13. The electronic device of claim 11, the virtual resource to be processed comprises at least one of a public account number, an electronic coupon;