CN111080429A

CN111080429A - Virtual resource acquisition method, device and storage medium

Info

Publication number: CN111080429A
Application number: CN201811216641.5A
Authority: CN
Inventors: 吴建国; 王寸涛; 刘景恒; 陈颖
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2018-10-18
Filing date: 2018-10-18
Publication date: 2020-04-28
Anticipated expiration: 2038-10-18
Also published as: CN111080429B

Abstract

The embodiment of the invention discloses a method, a device and a storage medium for acquiring virtual resources; receiving a virtual resource acquisition request sent by a terminal, wherein the virtual resource acquisition request carries a user identifier and a target virtual resource amount required to be acquired; acquiring the available quantity of virtual resources corresponding to the user identification; when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set; determining resource distribution combination information according to the virtual resource distributable quantity corresponding to the distributor identification and the distributor identification set, wherein the resource distribution combination information comprises a target distributor identification needing to distribute the virtual resource and the virtual resource actual distribution quantity corresponding to the target distributor identification; and issuing corresponding virtual resources to the user identification according to the target issuer identification and the corresponding virtual resource actual issuing amount. The scheme can improve the acquisition efficiency of the virtual resources.

Description

Virtual resource acquisition method, device and storage medium

Technical Field

The present invention relates to the field of communications technologies, and in particular, to a method, an apparatus, and a storage medium for acquiring virtual resources.

Background

With the development of internet technology, particularly mobile internet technology, a variety of virtual resources, such as coins, credits, and the like in network games, have appeared.

The virtual product has a certain virtual resource amount, and taking a 'periodic financing product' as an example of the virtual product, after a user buys the 'periodic financing product' on an internet financing platform, the user cannot redeem the 'periodic financing product' quickly before the expiration date of the 'periodic financing product' due to the limitation of the redemption rule of the 'periodic financing product'. But the user can quickly become available in a mode of escorting 'regular financial products' when the user urgently needs the virtual resources.

In the prior art, when a pledge "regular financial product" appears, a user can only apply for virtual resources to one virtual resource issuer (e.g. a bank) in one operation, and if the highest virtual resource issuable amount of the virtual resource issuer cannot meet the user's requirement, the user needs to apply for virtual resources to other virtual resource issuators again.

When the user borrows the pledges, the system can not automatically combine the virtual resource distributors, and if the highest virtual resource dischargeable quantity of the virtual resource distributors can not meet the requirements of the user, the user needs to manually apply the virtual resources to different virtual resource distributors, so that the efficiency of obtaining the virtual resources is low.

Disclosure of Invention

The embodiment of the invention provides a virtual resource acquisition method, a virtual resource acquisition device and a storage medium, which are used for improving the acquisition efficiency of virtual resources.

In one aspect, the present application provides a method for acquiring virtual resources, where the method includes:

receiving a virtual resource acquisition request sent by a terminal, wherein the virtual resource acquisition request carries a user identifier and a target virtual resource amount required to be acquired;

acquiring the available quantity of the virtual resources corresponding to the user identification;

when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set;

determining resource issuing combination information according to the virtual resource issuable amount corresponding to the issuer identification and the issuer identification set, wherein the resource issuing combination information comprises a target issuer identification needing to issue the virtual resource and a virtual resource actual issuing amount corresponding to the target issuer identification;

and issuing corresponding virtual resources to the user identifier according to the target issuer identifier and the corresponding virtual resource actual issuing amount.

In one aspect, the present application provides a virtual resource obtaining apparatus, where the apparatus includes:

a receiving unit, configured to receive a virtual resource acquisition request sent by a terminal, where the virtual resource acquisition request carries a user identifier and a target virtual resource amount to be acquired;

a first obtaining unit, configured to obtain an available amount of virtual resources corresponding to the user identifier;

a second obtaining unit, configured to obtain an issuer identifier corresponding to the user identifier to obtain an issuer identifier set when the available amount of the virtual resource is not less than the target virtual resource amount;

a first determining unit, configured to determine resource issuing combination information according to the virtual resource issuable amount corresponding to the issuer identifier and the issuer identifier set, where the resource issuing combination information includes a target issuer identifier that needs to issue a virtual resource and an actual virtual resource issuable amount corresponding to the target issuer identifier;

and the issuing unit is used for issuing corresponding virtual resources to the user identifier according to the target issuing party identifier and the corresponding virtual resource actual issuing amount.

In some embodiments, the first determination unit comprises:

the first selection subunit is used for selecting an issuer identifier from the issuer identifier set as a current issuer identifier;

the first obtaining subunit is configured to obtain a virtual resource issuable amount corresponding to the current issuer identifier;

the first updating subunit is used for updating the cumulative release amount of the virtual resources according to the virtual resource release amount corresponding to the current issuer identification;

a first recording subunit, configured to record the current issuer identifier and the corresponding virtual resource issuable amount when the target virtual resource amount is greater than the cumulative issuer of the virtual resource, update the current issuer identifier, and return to perform the step of obtaining the virtual resource issuable amount corresponding to the current issuer identifier;

and the first determining subunit is configured to determine, according to the recorded current issuer identifier and the virtual resource issuable amount corresponding to the current issuer identifier, the target issuer identifier and the actual virtual resource issuable amount corresponding to the target issuer identifier, when the target virtual resource amount is not greater than the cumulative virtual resource issuable amount.

In some embodiments, the first acquisition subunit comprises:

a first obtaining module, configured to obtain a total virtual resource release amount corresponding to the current issuer identifier and a used virtual resource release amount of the current issuer identifier;

and the first determining module is used for determining the virtual resource issuable amount according to the total virtual resource issuable amount and the used virtual resource issuable amount.

In some embodiments, the apparatus further comprises:

the second acquisition unit is used for acquiring the virtual resource issuing rule corresponding to the issuer identification;

the first sequencing unit is used for sequencing the issuer identifications in the issuer identification set according to the virtual resource acquisition rule and the virtual resource issuance rule to obtain an ordered issuer identification set;

the first selection subunit is specifically configured to:

and selecting the issuer identification from the sorted issuer identification set as the current issuer identification.

In some embodiments, the first obtaining unit includes:

the second obtaining subunit is configured to obtain a virtual product identifier corresponding to the user identifier, so as to obtain a virtual product identifier set;

a third obtaining subunit, configured to obtain an actual available resource amount corresponding to the virtual product identifier and a resource distribution ratio corresponding to the actual available resource amount;

and the second determining subunit is configured to determine, according to the actual available resource amount and the resource distribution ratio corresponding to the actual available resource amount, a sum of available resource amounts corresponding to the virtual product identifier set, so as to obtain the available amount of the virtual resource.

In some embodiments, the apparatus further comprises:

a second determining unit, configured to determine virtual product information corresponding to the target issuer identifier, where the virtual product information includes a target virtual product identifier and an actual available resource amount corresponding to the target virtual product identifier, and the target virtual product identifier is a virtual product identifier corresponding to the target issuer identifier;

and the first sending unit is used for sending the actual virtual resource issuing amount corresponding to the target issuing party identifier and the virtual product information corresponding to the target issuing party identifier to the terminal.

In some embodiments, the second determination unit comprises:

a second selection subunit, configured to select a virtual product identifier from the set of virtual product identifiers as a current virtual product identifier;

a third selection subunit, configured to select a target issuer identifier from a target issuer identifier set as a current target issuer identifier, where the target issuer identifier set is composed of the target issuer identifiers;

a fourth obtaining subunit, configured to obtain a current available resource amount corresponding to the current virtual product identifier;

the second updating subunit is used for updating the current virtual resource issuable amount of the current target issuer identification according to the current available resource amount corresponding to the current virtual product identification;

a second recording subunit, configured to record the current virtual product identifier and the current available resource amount corresponding to the current virtual product identifier when the updated current virtual resource issuable amount is greater than 0, update the current virtual product identifier, and return to perform the step of obtaining the current available resource amount corresponding to the current virtual product identifier;

and a third determining subunit, configured to, when the updated current virtual resource issuable amount is not greater than 0, determine, according to the recorded current virtual product identifier and the current available resource amount corresponding to the current virtual product identifier, virtual product information corresponding to the current target issuer identifier, update the current target issuer identifier, and update the current available resource amount according to the current virtual resource issuable amount.

In some embodiments, the fourth acquisition subunit comprises:

the second acquisition module is used for acquiring the total value quantity of the product corresponding to the current virtual product identifier, the used actual available resource quantity corresponding to the total value quantity of the product and the resource distribution proportion corresponding to the actual available resource quantity;

a second determining module, configured to determine a current actual available resource amount according to the total product value amount and the used actual available resource amount;

and the third determining module is used for determining the current available resource amount according to the current actual available resource amount and the corresponding resource distribution proportion.

In some embodiments, the apparatus further comprises:

the second sorting unit is used for sorting the virtual product identifiers in the virtual product identifier set according to the expiration time of the virtual product identifiers to obtain a sorted virtual product identifier set;

the second selection subunit is specifically configured to:

and sequentially selecting virtual product identifications as current virtual product identifications from the sorted virtual product identification set.

In some embodiments, the apparatus further comprises:

a second sending unit, configured to send virtual resource acquisition failure information to the terminal when the available amount of virtual resources is smaller than the target virtual resource amount;

a third obtaining unit, configured to obtain an available amount of other virtual resources of other user identifiers;

and the updating unit is used for updating the available quantity of the virtual resources according to the available quantity of the other virtual resources.

In one aspect, the present application provides an apparatus comprising: one or more processors; a storage device for storing one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the steps in the virtual resource acquisition method.

In one aspect, the present application provides a storage medium, where a plurality of instructions are stored, where the instructions are suitable for being loaded by a processor to execute the steps in the virtual resource obtaining method.

Receiving a virtual resource acquisition request sent by a terminal, wherein the virtual resource acquisition request carries a user identifier and a target virtual resource amount required to be acquired; acquiring the available quantity of the virtual resources corresponding to the user identification; when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set; determining resource issuing combination information according to the virtual resource issuable amount corresponding to the issuer identification and the issuer identification set, wherein the resource issuing combination information comprises a target issuer identification needing to issue the virtual resource and a virtual resource actual issuing amount corresponding to the target issuer identification; and issuing corresponding virtual resources to the user identifier according to the target issuer identifier and the actual virtual resource issuing amount corresponding to the target issuer identifier, so that the user identifier obtains the target virtual resource amount required to be acquired. The embodiment of the invention can simultaneously acquire all the issuer identifications corresponding to the user identification to obtain the issuer identification set, and can determine a plurality of target issuer identifications needing to issue the virtual resources from the representation set, thereby improving the acquisition efficiency of the virtual resources.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1a is a schematic view of a scenario of a virtual resource management system according to an embodiment of the present invention;

fig. 1b is a flowchart illustrating an embodiment of a virtual resource obtaining method according to an embodiment of the present invention;

fig. 2 is a flowchart illustrating an embodiment of a virtual resource obtaining method according to an embodiment of the present invention;

fig. 3a is a flowchart illustrating an embodiment of a virtual resource obtaining method according to an embodiment of the present invention;

fig. 3b is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 3c is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 3d is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 3e is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 3f is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 3g is a schematic view of a scene of virtual resource acquisition according to an embodiment of the present invention;

fig. 4a is a schematic diagram of an embodiment of a virtual resource acquiring apparatus according to an embodiment of the present invention;

fig. 4b is a schematic diagram of an embodiment of a virtual resource acquiring apparatus according to an embodiment of the present invention;

fig. 4c is a schematic diagram of an embodiment of a virtual resource acquiring apparatus according to an embodiment of the present invention;

fig. 5 is a schematic structural diagram of a server according to an embodiment of the present invention.

Fig. 6 is a schematic structural diagram of a terminal according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In the description that follows, specific embodiments of the present invention are described with reference to steps and symbols executed by one or more computers, unless otherwise indicated. Accordingly, these steps and operations will be referred to, several times, as being performed by a computer, the computer performing operations involving a processing unit of the computer in electronic signals representing data in a structured form. This operation transforms the data or maintains it at locations in the computer's memory system, which may be reconfigured or otherwise altered in a manner well known to those skilled in the art. The data maintains a data structure that is a physical location of the memory that has particular characteristics defined by the data format. However, while the principles of the invention have been described in language specific to above, it is not intended to be limited to the specific form set forth herein, but on the contrary, it is to be understood that various steps and operations described hereinafter may be implemented in hardware.

The term "module" as used herein may be considered a software object executing on the computing system. The various components, modules, engines, and services described herein may be viewed as objects implemented on the computing system. The apparatus and method described herein are preferably implemented in software, but may also be implemented in hardware, and are within the scope of the present invention.

Before explaining the embodiments of the present invention in detail, an application scenario of the embodiments of the present invention will be described. Referring to fig. 1a, the virtual resource management system includes a terminal and a server, where the terminal is connected to the server in a wired or wireless connection manner, so that the terminal may interact data with the server in the wired or wireless connection manner. The terminal can be an intelligent electronic device such as a mobile phone and a tablet personal computer, and the server can be a server, a server cluster formed by a plurality of servers, or a cloud computing service center.

In the embodiment of the present invention, the virtual resource in this embodiment may be a virtual debit amount, a credit, a token, a voucher, and the like, and the embodiment of the present invention does not limit the type of the virtual resource. In this embodiment, the user may use the virtual product owned by the user to make a pledge request for the virtual product to the virtual resource issuer to obtain the virtual resource.

It should be noted that the scenario diagram of the virtual resource management system shown in fig. 1a is only an example, and the virtual resource management system and the scenario described in the embodiment of the present invention are for more clearly illustrating the technical solution of the embodiment of the present invention, and do not form a limitation on the technical solution provided in the embodiment of the present invention.

The following is a detailed description of specific embodiments.

In the present embodiment, the description will be made from the perspective of a virtual resource acquisition device, which may be specifically integrated in a server shown in fig. 1a, such as a social server, a bank server, and the like.

Referring to fig. 1b, fig. 1b is a schematic flowchart illustrating an embodiment of a virtual resource obtaining method according to an embodiment of the present invention, where the virtual resource obtaining method includes:

101. and receiving a virtual resource acquisition request sent by a terminal.

In the embodiment of the present invention, the virtual resource acquisition request carries a user identifier and a target virtual resource amount to be acquired, where the target virtual resource amount is a virtual resource amount that the user needs to acquire, and the user identifier may be used to uniquely identify a user identity in a virtual resource acquisition process, for example, a financial account, a bank account, an instant messaging account, and the like.

For example, a user wishes to borrow 40000 yuan (target virtual resource amount) from a bank through a financial Application (APP) installed on a terminal, at this time, the user needs to input a target borrowing amount 40000 yuan on a borrowing page of the financial APP on the terminal, after the user determines the borrowing amount on the page, the terminal generates a virtual resource acquisition request and sends the request to a server, and the virtual resource acquisition request at this time carries the target borrowing amount 40000 yuan (target virtual resource amount) and an account number (user identifier) of the financial APP used by the user.

102. And acquiring the available quantity of the virtual resources corresponding to the user identification.

The available amount of the virtual resource is the largest available amount of the virtual resource that can be obtained by the user identifier, and the user can obtain the virtual resource that is less than or equal to the available amount of the virtual resource. For example, in a borrowing scenario, the available amount of the virtual resource is a borrowed amount corresponding to all virtual products that the user has pledged to the bank.

Since the virtual resource acquisition request received in step 101 carries the user identifier, at this time, the server may acquire all virtual product identifiers corresponding to the user identifier according to the user identifier to obtain a virtual product identifier set, that is, combine the financial product identifiers corresponding to the user identifier, specifically, the virtual product identifier corresponding to the user identifier may be directly acquired from the local server or may be acquired from other servers, and the specific location is not limited, and the obtainable amount of the virtual resource corresponding to the user identifier may be acquired from the local server or may be acquired from other servers, and the specific location is not limited.

After obtaining the virtual product identifier corresponding to the user identifier, further obtaining the actual available resource amount corresponding to the product identifier and the resource distribution ratio (greater than 0 and less than or equal to 1) corresponding to the product identifier, specifically, the virtual product identification can be the identification of a periodical financing product, the resource distribution proportion can be the pledge rate corresponding to the periodical financing product, wherein the actual available resource amount is the difference between the total resource amount corresponding to the virtual product and the virtual resource amount used by the virtual product, then determining the sum of the available resource quantities of all the virtual product identifications in the virtual product identification set according to the actual available resource quantity and the corresponding resource distribution proportion to obtain the available quantity of the virtual resources, that is, the available amount of virtual resources in this embodiment is the sum of the available resource amounts of all virtual products corresponding to the user identifier.

The embodiment of the invention can assemble a plurality of virtual products corresponding to one user, and when the user holds a plurality of periodical financing products, the user does not need to borrow the pledges one by one, thereby solving the problems that the prior financing platform does not support the automatic combination pledge of the periodical financing products held by the user, and the user can not complete the pledge borrowing operation quickly.

103. And when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set.

The issuer identifier may be used to uniquely identify the issuer identity in the virtual resource acquisition process, and specifically, the issuer identifier may be a bank identifier, such as a bank name and the like.

When the server judges that the available amount of the virtual resources is not less than the target amount of the virtual resources, the server can send an issuer identification acquisition request to a third-party system to acquire an issuer identification corresponding to the user identification, and then an issuer identification set is obtained according to the acquired issuer identification.

The specific steps for obtaining the virtual resource issuable amount corresponding to the issuer identification are as follows: acquiring the total virtual resource release amount corresponding to the issuer identification and the used virtual resource release amount of the issuer identification; and then determining the virtual resource issuable amount according to the total virtual resource issuable amount and the used virtual resource issuable amount.

It should be noted that, when the available amount of virtual resources is smaller than the target amount of virtual resources, the server will send information of virtual resource acquisition failure to the terminal, and then the user knows that the virtual resource acquisition failure has occurred through the terminal, and can send a virtual resource guarantee request to another terminal to request the user identifier on the other terminal to guarantee the user, so as to increase the available amount of virtual resources. And obtaining the issuer identification corresponding to the user identification until the available virtual resource quantity is not less than the target virtual resource quantity.

104. And determining the resource distribution combination information according to the virtual resource distributable amount corresponding to the distributor identification and the distributor identification set.

The virtual resource issuable amount is a virtual resource amount which the issuer identifier can issue to the user identifier, for example, in a borrowing scenario, for example, bank i may also issue money to the user, and the resource issuance combination information includes a target issuer identifier which needs to issue a virtual resource and a corresponding virtual resource actual issuance amount.

The determining the resource distribution combination information according to the virtual resource issuable amount corresponding to the distributor identifier and the distributor identifier set specifically includes:

(1) and selecting the issuer identification from the issuer identification set as the current issuer identification.

The method includes the steps that a current issuer identification is an issuer identification which needs to be processed currently, and in a borrowing scene, the current issuer identification is a bank which needs to be processed currently.

If the virtual resource obtaining rule is that the borrowing period is the longest priority, sequencing the issuer identifications in the issuer set according to the borrowing period information corresponding to the issuer identifications at the moment, and specifically, arranging the issuer identifications with the borrowing period in front. And if the borrowing interest is the least priority according to the virtual resource acquisition rule, sequencing the issuer identifications in the issuer set according to the borrowing interest rate information corresponding to the issuer identifications, specifically, arranging the issuer identifications with small borrowing interest rate in front.

(2) And acquiring the virtual resource issuable amount corresponding to the current issuer identification.

Specifically, the server obtains the total virtual resource release amount corresponding to the current issuer identification and the used virtual resource release amount of the current issuer identification; and then determining the virtual resource issuable amount according to the total virtual resource issuable amount and the used virtual resource issuable amount.

(3) And updating the cumulative issuing amount of the virtual resources according to the virtual resource issuable amount corresponding to the current issuer identification.

The virtual resource cumulative release amount is the total amount of the virtual resource which has been released to the user identifier, and in a borrowing scene, for example, a bank has previously released 15000 yuan to the user and currently released 5000 yuan to the user, the virtual resource cumulative release amount is 20000 yuan at this time.

And after the virtual resource issuable amount corresponding to the current issuer identification is obtained, updating the virtual resource accumulative issue amount according to the virtual resource issuable amount, wherein the virtual resource accumulative issue amount is the sum of the virtual resource issue amounts which the issuer identification has arranged to the user identification.

(4) Judging whether the target virtual resource amount is larger than the accumulated virtual resource release amount, if so, executing the step (5); if not, executing the step (6).

In this embodiment, after the cumulative issuing amount of the virtual resource is updated, it is determined whether the target virtual resource is greater than the updated cumulative issuing amount of the virtual resource, that is, whether the bank still needs to be borrowed.

(5) And recording the current issuer identification and the corresponding virtual resource issuable amount thereof, and updating the current issuer identification.

In this embodiment, when the target virtual resource amount is greater than the cumulative virtual resource release amount, it is stated that the virtual resource needs to be requested from the virtual resource issuer at this time, that is, the Bank needs to be borrowed continuously, and at this time, the current issuer identifier and the corresponding virtual resource release amount need to be recorded, for example, the current issuer identifier is Bank _ i, the pledgetable debit amount corresponding to Bank _ i is 12000 yuan, and at this time, Bank _ i and the pledgetable debit amount corresponding to Bank _ i are recorded, for example, (Bank _ i, 12000 yuan).

And (3) recording the current issuer identification and the virtual resource issuable amount corresponding to the current issuer identification, and after updating the current issuer identification, returning to the step of acquiring the virtual resource issuable amount corresponding to the current issuer identification, namely returning to the step (2) of executing the step, because the virtual resource is required to be requested from the virtual resource issuer identification.

(6) And determining a target issuer identification and an actual virtual resource issuing amount corresponding to the target issuer identification according to the recorded current issuer identification and the virtual resource issuing amount corresponding to the current issuer identification.

In this embodiment, the actual release amount of the virtual resource is the amount of the virtual resource actually released to the user identifier by the target release party identifier. For example, in the borrowing scenario, the borrowed amount of the bank i to the user is 20000 yuan, but actually only 15000 yuan is needed to be issued to the user, and then the 15000 yuan is the actual issuing amount of the virtual resource actually issued to the user by the bank i.

When the target virtual resource amount is not larger than the cumulative issuing amount of the virtual resources, the virtual resources do not need to be requested from the virtual resource issuing party at the moment, that is, the sufficient borrowing is recorded, and the borrowing does not need to be continuously performed from the bank.

At this time, the target issuer identification and the virtual resource actual issuing amount corresponding to the target issuer identification need to be determined according to the current issuer identification and the virtual resource issuing amount corresponding to the current issuer identification recorded before.

It should be noted that, after the last step of updating the cumulative issued amount of the virtual resource, when the cumulative issued amount of the virtual resource is greater than the target virtual resource amount, the actual issued amount of the virtual resource corresponding to the last current issuer identifier is the difference between the target virtual resource amount and the previous cumulative issued amount of the virtual resource (i.e., the amount of the borrowing required in the previous step).

It should be noted that, if the sum of the actual virtual resource release amounts corresponding to the issuer identifier corresponding to the user is less than the target virtual resource amount that the borrowing user needs to acquire, the server rejects the borrowing request of the terminal at this time, and the server fails to borrow, and returns the reason of the borrowing failure to the terminal.

105. And issuing corresponding virtual resources to the user identification according to the target issuer identification and the corresponding virtual resource actual issuing amount.

In this embodiment, the multiple target issuer identifications and the virtual resource actual issuing amounts corresponding to the target issuer identifications can be determined at the same time, and then corresponding virtual resources are issued to the user identifications according to the target issuer identifications and the virtual resource actual issuing amounts corresponding to the target issuer identifications, so that the user can acquire the virtual resources transmitted by the multiple target issuer identifications by transmitting a virtual resource acquisition request once, thereby avoiding the problem that the user needs to transmit the virtual resource acquisition request to the server again when one target issuer identification does not satisfy the resource request of the user, and improving the acquisition efficiency of the virtual resources of the user.

In the embodiment of the invention, a virtual resource acquisition request sent by a terminal is received, wherein the virtual resource acquisition request carries a user identifier and a target virtual resource amount required to be acquired; acquiring the available quantity of virtual resources corresponding to the user identification; when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set; determining resource distribution combination information according to the virtual resource distributable quantity corresponding to the distributor identification and the distributor identification set, wherein the resource distribution combination information comprises a target distributor identification needing to distribute the virtual resource and the virtual resource actual distribution quantity corresponding to the target distributor identification; and issuing corresponding virtual resources to the user identifier according to the target issuer identifier and the corresponding virtual resource actual issuing amount, so that the user identifier obtains the target virtual resource amount required to be acquired. The embodiment of the invention can simultaneously acquire all the issuer identifications corresponding to the user identification to obtain the issuer identification set, and can determine a plurality of target issuer identifications needing to issue the virtual resources from the representation set, thereby improving the acquisition efficiency of the virtual resources.

Referring to fig. 2, fig. 2 is a schematic flowchart illustrating an embodiment of a virtual resource obtaining method according to an embodiment of the present invention, where the virtual resource obtaining method includes:

201. and receiving a virtual resource acquisition request sent by a terminal.

In the embodiment of the invention, the virtual resource acquisition request carries the user identifier and the target virtual resource amount to be acquired, wherein the target virtual resource amount is a virtual resource amount input by a user through a terminal.

For example, a user wishes to borrow 40000 yuan (target virtual resource amount) from a bank through an application of a financial APP installed on a terminal, at this time, the user needs to input a target borrowing amount 40000 yuan on a borrowing page of the financial APP installed on the terminal, after the user determines the borrowing amount on the page, the terminal generates a virtual resource acquisition request and sends the request to a server, and the virtual resource acquisition request at this time carries the target borrowing amount 40000 yuan (target virtual resource amount) and an account number (user identifier) of the financial APP used by the user.

Optionally, the virtual resource obtaining request further carries a virtual resource obtaining rule, for example, there may be two virtual resource obtaining rules (borrowing rules); the maximum borrowing period is preferred and the minimum borrowing interest is preferred, the user needs to select which borrowing rule is used for the borrowing on a borrowing amount page besides inputting the amount of money on the page, and if the user selects the rule with the maximum borrowing period and the priority, the virtual resource acquisition request generated by the terminal carries the borrowing rule besides the target borrowing amount and the user identification.

202. And acquiring the available quantity of the virtual resources corresponding to the user identification.

Since the virtual resource acquisition request received in step 201 carries the user identifier, at this time, the server may acquire all virtual product identifiers corresponding to the user identifier according to the user identifier to obtain a virtual product identifier set, that is, combine the financial product identifiers corresponding to the user identifier, specifically, the virtual product identifier corresponding to the user identifier may be directly acquired from the local server or may be acquired from other servers, and the specific location is not limited, and the obtainable amount of the virtual resource corresponding to the user identifier may be acquired from the local server or may be acquired from other servers, and the specific location is not limited.

After obtaining the virtual product identifier corresponding to the user identifier, further obtaining an actual available resource amount corresponding to the product identifier and a resource distribution ratio (greater than 0 and less than or equal to 1) corresponding to the product identifier, specifically, the virtual product identifier may be an identifier of a periodic financial product, and the resource distribution ratio may be a pledge rate corresponding to the periodic financial product, where the actual available resource amount is a difference between a total resource amount corresponding to the virtual product and a virtual resource amount already used by the virtual product, and then determining a sum of available resource amounts of all virtual product identifiers according to the actual available resource amount and the resource distribution ratio corresponding to the actual available resource amount to obtain a virtual resource acquirable amount, that is, the virtual resource acquirable amount in this embodiment is a sum of available resource amounts of all virtual products corresponding to the user identifier.

Specifically, the available resource amount K corresponding to the regular financial product j_j＝(B_j-L_j)*P_j，B_jTotal amount of product j (total value amount of product) for periodic financing, L_jThe used amount (the actual amount of resources available for use), P, is accumulated for the periodically financing product j_jThe pledge rate (resource distribution ratio), K, of the regular product j_jThe actual debit amount (the available resource amount corresponding to the periodic financing product j) which can be obtained for the quality deposit by using the periodic financing product j. And then, performing the above calculation on each virtual product corresponding to the user identifier, and adding the available resource amount of each periodic financial product to obtain the available amount of the virtual resources in the embodiment.

203. And when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set.

When the server judges that the available amount of the virtual resources is not less than the target amount of the virtual resources, the server can send an issuer identification acquisition request to the third-party system to acquire an issuer identification corresponding to the user identification, and then obtain an issuer identification set according to the acquired issuer identification.

In one embodiment, the issuer id may be a bank id, the virtual resource issuable amount may be a pledge amount of the bank with respect to the user id, and the virtual resource issuance rule (deposit rule) is the borrowing interest rate information and the borrowing period information of the bank. When the sum of the available resource amount of the periodic financial product corresponding to the user is not less than the target borrowing amount input by the user, the bank identification of all banks corresponding to the user identification, the corresponding pledge borrowing amount and the corresponding loan rule are obtained from the bank system, wherein the pledge borrowing amount is the difference between the highest pledge borrowing amount of the bank and the borrowing amount of the bank used by the user. Specifically, as shown in table 1:

TABLE 1

Bank ID	Borrowing period (sky)	Interest rate of borrowing	Pledge borrowing amount (Yuan)
				Bank_1	C_1	Rate_1	Lend_1
Bank_2	C_2	Rate_2	Lend_2
				Bank_3	C_3	Rate_3	Lend_3
...	...	...	...
				Bank_n	C_n	Rate_n	Lend_n

Specifically, a user can send a guarantee application to a friend of the user through a social tool such as WeChat of the terminal, the friend can select whether to guarantee for a borrower, and can select a guaranteed periodic financing product and a guarantee asset amount for guaranteeing, when the friend determines to guarantee for the user, the friend terminal sends a guarantee feedback message to the user terminal, the guarantee feedback message comprises the periodic financing product and the guarantee asset amount selected by the user to guarantee for the user, then the user terminal sends guarantee information of the friend to a server according to the guarantee feedback message, and the server can update the virtual resource available amount according to the guarantee information.

Suppose that the guarantor i promises to make a periodic financing product j for guaranty with a total amount DB_{i_j}Then, the calculation formula of the total borrowed amount obtained by the borrower using the periodical financing product j for quality deposit is as follows:

indicating that all the periodical financing products j provided by the guarantor for the borrower can be used for the total assets of the pledge borrowing (when the borrower applies for a loan, the financing platform can freeze the guarantor assets of the periodical financing products j at the same time);

if the calculated available amount of the virtual resources is still smaller than the borrowing amount applied by the user, the server refuses the pledge borrowing request (virtual resource acquisition request) of the user; otherwise, the borrowing request of the borrower is saved.

Specifically, the borrower may also send a virtual resource guarantee request to a friend or other guarantor before applying for a loan to the server, and update the available amount of virtual resources before applying for the loan.

204. And selecting the issuer identification from the issuer identification set as the current issuer identification.

Specifically, the issuer identifications in the issuer identification set may be sorted according to the virtual resource acquisition rule and the virtual resource issuance rule, and then the issuer identifications are sequentially selected from the sorted issuer identification set as the current issuer identifications.

That is, if the virtual resource obtaining rule is that the borrowing period is the longest priority, the issuer identifications in the issuer set are sorted according to the borrowing period information corresponding to the issuer identifications at this time, specifically, the issuer identifications with the borrowing period are arranged in front. And if the borrowing interest is the least priority according to the virtual resource acquisition rule, sequencing the issuer identifications in the issuer set according to the borrowing interest rate information corresponding to the issuer identifications, specifically, arranging the issuer identifications with small borrowing interest rate in front.

205. And acquiring the virtual resource issuable amount corresponding to the current issuer identification.

For example, if the current issuer id is Bank _ i, it is necessary to obtain the accumulated pledge borrowing amount Use _ i used by the user at Bank i, and the pledge borrowing amount Lend _ i of Bank _ i is Limit _ i-Use _ i.

206. And updating the cumulative release amount of the virtual resources according to the current release amount of the virtual resources.

Specifically, if the current issuer is identified as Bank _ i, the virtual resource issuable amount corresponding to Bank _ i at this time is the current virtual resource issuable amount, and if the current virtual resource issuable amount is send _ i, the virtual resource accumulated issuable amount before this step is sum (send _ i), the updated virtual resource accumulated issuable amount Newsum (send _ i) ═ send _ i + sum (send _ i), where Newsum (send _ i) is sum (send _ i) of the next loop step. More specifically, if the amount of the credit borrowing (the current amount of the virtual resource that can be released) of the current Bank _ i is 12000 yuan, and the accumulated amount of the borrowed money (the accumulated amount of the virtual resource that is released before the update) before this step is 24000 yuan, the updated accumulated amount of the borrowed money (the updated accumulated amount of the virtual resource that is released) at this time is 36000 yuan, or the still-to-be-borrowed money is updated, and the still-to-be-borrowed money is the difference between the total amount of the borrowed money and the accumulated amount of the borrowed money.

207. Judging whether the target virtual resource amount is larger than the cumulative release amount of the virtual resources, if so, executing step 208; if not, go to step 209.

208. And recording the current issuer identification and the corresponding virtual resource issuable amount thereof, and updating the current issuer identification.

After the current issuer id and the corresponding virtual resource issuable amount are recorded and the current issuer id is updated, the step of obtaining the virtual resource issuable amount corresponding to the current issuer id needs to be returned, that is, the step 205 is returned because the virtual resource is also required to be requested from the virtual resource issuer id.

209. And determining a target issuer identification and an actual virtual resource issuing amount corresponding to the target issuer identification according to the recorded current issuer identification and the virtual resource issuing amount corresponding to the current issuer identification.

In this embodiment, when the target virtual resource amount is not greater than the cumulative issuing amount of the virtual resource, it indicates that the virtual resource does not need to be requested from the virtual resource issuer at this time, that is, the sufficient loan is already recorded, and the loan does not need to be continuously made to the bank.

210. And determining the virtual product information corresponding to the target issuer identification.

The virtual product information corresponding to the target issuer identification includes a target virtual product identification and an actual available resource amount corresponding to the target virtual product identification, the target virtual product identification is a virtual product identification corresponding to the target issuer identification, that is, the virtual product information corresponding to the target issuer identification is determined for each target issuer identification, wherein one target issuer identification may correspond to one or more virtual products.

The determining of the virtual product information corresponding to the target issuer identification specifically includes:

(1) and selecting the virtual product identifier from the virtual product identifier set as the current virtual product identifier.

In an embodiment, before selecting a virtual product identifier from the virtual product identifier set as the current virtual product identifier, the virtual product identifiers in the virtual product identifier set are also sorted according to the expiration time of each virtual product identifier in the virtual product identifier set to obtain a sorted virtual product identifier set, and then the virtual product identifiers are sequentially selected from the sorted virtual product identifier set as the current virtual product identifier.

(2) And selecting a target issuer identification from the target issuer identification set as a current target issuer identification, wherein the target issuer identification set consists of the target issuer identifications.

The target issuing identifiers in the target issuing party identifier set may be sorted according to the virtual resource acquisition rule and the virtual resource issuing rule, or may not be sorted, and the specific details are not limited herein.

(3) And acquiring the current available resource amount corresponding to the current virtual product identifier.

The method specifically comprises the following steps: the server acquires the total value quantity of the product corresponding to the current virtual product identifier, the used actual available resource quantity corresponding to the total value quantity and the used actual available resource quantity and the corresponding resource distribution proportion; then determining the current actual available resource amount according to the total value amount of the product and the used actual available resource amount; and finally, determining the current available resource amount according to the current actual available resource amount and the corresponding resource distribution proportion.

The current virtual product identification takes a periodic financing product j as an example, and the current available resource amount K corresponding to the periodic financing product j_j＝(B_j-L_j)*P_j，B_jTotal amount of product j (total value amount of product) for periodic financing, L_jThe amount of money used (the actual amount of resources available for use), P, is accumulated for the periodically financing product j_jThe pledge rate (resource dispensing ratio) of the regular product j is the amount.

(4) And updating the current virtual resource issuable amount of the current target issuer identification according to the current available resource amount corresponding to the current virtual product identification.

The current available resource amount in this step is the current available resource amount corresponding to the current virtual product identifier, and the current virtual resource issuable amount of the current target issuer identifier is the virtual resource amount of the virtual product for which the current target issuer identifier has not been allocated for pledge.

Specifically, if the current virtual resource issuable amount of the current target issuer identification is left _ i and the virtual resource issuer identification takes bank i as an example, the bank i is updated to update the debit amount of the mortgage periodic financing product which is not allocated by the bank iNewLend_i＝Lend_i-K_jWherein, at this time K_jAnd (3) carrying out the actual loan amount (the current available resource amount) available for the mortgage on the current regular financial product j (the current virtual product identification), wherein the NewLend _ i is the Lend _ i of the next circulation step.

(5) And (4) judging whether the current virtual resource issuable amount after updating is larger than 0, if so, executing the step (6), and if not, executing the step (7).

If the updated current virtual resource issuable amount is greater than 0, it indicates that the current target issuer identification has the unallocated virtual resource issuable amount, and if the updated current virtual resource issuable amount is not greater than 0, it indicates that the issuance limit of the current virtual resource issuer is completely allocated.

(6) And recording the current virtual product identifier and the current available resource amount corresponding to the current virtual product identifier, updating the current virtual product identifier, and returning to execute the step of obtaining the current available resource amount corresponding to the current virtual product identifier.

For example, the total pledge loan amount of bank i is 12000 yuan, at this time, the current virtual resource issuable amount is updated to 4000 yuan according to the current available resource amount corresponding to the current virtual product identifier and the current virtual resource issuable amount of the previous step corresponding to bank i, that is, the remaining pledge loan amount of the mortgage-scheduled financial product to be allocated is 4000 yuan, at this time, the current virtual resource issuable amount is greater than 0.

At this time, the current amount of resources available for the pledge of the current virtual product identifier is used up, so that the current virtual product identifier needs to be updated, that is, the next virtual product identifier in the product identifier set is turned to.

And (3) when the current virtual product identifier and the current available resource amount corresponding to the current virtual product identifier are recorded and the current virtual product identifier is updated, returning to execute the step (3) of acquiring the current available resource amount corresponding to the updated current virtual product identifier.

(7) And determining the virtual product information corresponding to the current target issuer identification according to the recorded current virtual product identification and the current available resource amount corresponding to the current virtual product identification, updating the current target issuer identification, and updating the current available resource amount according to the current virtual resource issuable amount.

That is, according to the previous record of all the virtual product identifiers corresponding to the current virtual product identifier and the current available resource amount corresponding to the virtual product identifier, for example, it is known from the previous record that the virtual product identifier recorded by the bank i and the current available resource amount corresponding to the current virtual product identifier are (virtual product a, 6000 yuan), (virtual product b, 4000 yuan), when it needs to be explained, the last virtual product recorded by the bank i is the virtual product c, and the current available resource amount of the virtual product c is 5000 yuan, at this time, according to the step (5), the current virtual resource issuable amount is-3000 yuan, then the current available resource amount of the virtual product c recorded by the bank i should be 2000 yuan, that is, it needs to be recorded (virtual product c, 2000 yuan), so that the total resource amount of the virtual product a, the virtual product b and the virtual product c corresponding to the bank i is just 12000 yuan of the secundable amount of the bank i, finally, the virtual product information corresponding to the bank i is as follows: (virtual product a, 6000 yuan), (virtual product b, 4000 yuan), (virtual product c, 2000 yuan).

At this time, the current target issuer identification needs to be updated, that is, the next issuer identification in the target issuer identification set is determined as the new current target issuer identification, and the current available resource amount is updated according to the current virtual resource issuable amount, that is, the remaining available resource amount of the current virtual product identification is updated according to the current virtual resource issuable amount (-3000 yuan), since the virtual product c has pledged 2000 yuan to bank i, the total value of the corresponding product before the virtual resource c has 5000 yuan, and the current available resource amount of the updated virtual product c is 3000 yuan.

211. And sending the actual virtual resource release amount corresponding to the target issuer identification and the virtual product information corresponding to the target issuer identification to the terminal.

In this embodiment, the server needs to send the virtual resource actual release amounts corresponding to all the target issuer identifications and the virtual product information corresponding to the target issuer identifications to the terminal, so that the user specifically knows from which virtual resource senders the user has acquired the virtual resources according to the information sent by the server, the virtual resources actually issued by the user by each virtual resource sender, the virtual products corresponding to each virtual resource sender, and the resource amounts corresponding to the virtual products.

212. And issuing corresponding virtual resources to the user identification according to the target issuer identification and the corresponding virtual resource actual issuing amount.

When the user borrows the pledge, the financial platform server firstly checks the financial assets of the user, the general rules of the industry are as follows, and the virtual financial products in the embodiment also accord with the following rules:

1) the repayment period of the bank borrowing > is the redemption expiration time of the regular financial products used by the user for the pledge (the redemption expiration time cannot be later than the bank repayment period);

2) the accumulated amount of the pledge borrowing of the user in each bank cannot exceed the highest amount specified by the bank;

3) after the user holds the regular financial product, the expired asset returns the original information of the bank loan preferentially, and the rest is paid to the user.

The following describes a virtual resource acquisition process in the embodiment of the present invention with reference to a specific application scenario. Referring to fig. 3a, fig. 3a is a schematic flow chart of a virtual resource obtaining process according to an embodiment of the present invention, where the flow includes:

301. the terminal sends a borrowing request to the server.

The borrowing user can send the borrowing request to the server through the financial management APP installed on the terminal, and in addition, the terminal can also send the borrowing request to the server through other ways, which is not limited specifically here.

In an embodiment, the terminal opens the application of the financial APP, as shown in fig. 3b, at this time, a currently available loan amount corresponding to the borrowing user may be displayed on a borrowing interface, so that the user can conveniently judge the size of the available loan amount, then the user clicks a mark of "i want to borrow" on the interface, at this time, the interface shown in fig. 3c is skipped to, then the user inputs an amount of money to be borrowed on the interface, for example, 40000 yuan is input, and a "confirm" button is clicked, at this time, the terminal may generate a borrowing request, and the borrowing request carries the user identifier of the user and the amount of money to be borrowed.

In an embodiment, as shown in fig. 3d, the borrowing input interface further displays a selection of a borrowing rule, for example, a user may select a rule with the longest repayment period or a rule with the lowest repayment interest rate, the user needs to select the borrowing rule in addition to the amount of money to be borrowed, and then clicks the "ok" button, at this time, the borrowing request generated by the terminal carries the borrowing rule selected by the user in addition to the user identifier of the user and the amount of money to be borrowed, for example, if the user selects the rule with the longest repayment period, the borrowed rule carried at this time is the rule with the longest repayment period, and after receiving the borrowing request, the server may generate a borrowing bank combination corresponding to the user requirement, where the user mentioned in this embodiment is a borrowing user.

302. The server obtains the total loaned amount of the pledge corresponding to the borrowing user.

The pledge assets corresponding to the user can be regular financial products of the user, the total loanable amount is the sum of loanable amounts of all regular financial products of the user, wherein the loanable amount of each regular financial product is the product of the amount of each regular financial product which is not pledged (namely the product available amount) and the pledge rate of the regular financial product.

Wherein the total amount of the mortgage borrowable money is equal to the current borrowable money in fig. 3 b.

The server can obtain the pledge assets corresponding to the borrowing user from the self storage according to the user identification of the borrowing user. Specifically, the total amount of the mortgage borrowable money corresponding to the user is the total amount of the money to be borrowed of all the periodic financial products corresponding to the user, namely, the embodiment can be used for combining and borrowing all the periodic financial products of the user without borrowing one by one according to each periodic financial product, so that the borrowing operation is more convenient.

For example, if the server obtains that the amount of the periodic financing product corresponding to the borrowing user and the amount of the product corresponding to the periodic financing product that has not been pledged are ("periodic financing product a", "20000 yuan"), ("periodic financing product b", "12000 yuan") and ("periodic financing product c", "13000 yuan"), and the corresponding pledge rates are 0.88, 0.86, and 0.90, then the total loanable amount of the pledge is: 20000 × 0.88+22000 × 0.86+13000 × 0.90 ═ 48220 elements.

303. And if the amount of money to be borrowed by the user is not more than the total pledge borrowable amount, the server acquires the borrowing bank information corresponding to the borrowing user.

The borrowing bank information of the borrowing user comprises a plurality of borrowing banks and the pledge borrowing amount corresponding to the plurality of borrowing banks, wherein the pledge borrowing amount is the difference between the total pledge borrowing amount distributed by the bank for the borrowing user and the used borrowing amount.

In one embodiment, the borrowing bank information includes: rules of loan bank (i.e. the loan period and interest rate of the bank)

When the amount of money that the user needs to borrow is greater than the total amount of the pledge borrowable money, the server may reject the borrowing request, send loan failure information to the terminal, and display the failure reason, for example, "pledge amount is insufficient", as shown in fig. 3 e.

After the borrowing user acquires the borrowing failure information, a guarantee application can be sent to other users to request the other users to become the guarantee persons of the borrowing user so as to improve the total amount of the pledge borrowable money.

Specifically, a user can send a guarantee application to a friend of the user through a social tool such as WeChat of the terminal, the friend can select whether to guarantee for a borrower, and can select a guaranteed periodic financing product and a guarantee asset amount for guaranteeing, when the friend determines to guarantee for the user, the friend terminal sends a guarantee feedback message to the user terminal, the guarantee feedback message comprises the periodic financing product and the guarantee asset amount selected by the friend to guarantee for the user, then the user terminal sends guarantee information of the friend to a server according to the guarantee feedback message, and the server can update the virtual resource available amount according to the guarantee information.

indicating that all the periodical financing products j provided by the guarantor for the borrower can be used for the total assets of the pledge borrowing (when the borrower applies for a loan, the financing platform can freeze the guarantor assets of the periodical financing products j at the same time), B_jThe total amount of product j (total value of product), L, is periodically financed for the borrower_jThe used amount (the actual amount of resources available for use), P, is accumulated for the periodically financing product j_jThe pledge rate (resource distribution ratio), K, of the regular product j_jThe actual debit amount (the available resource amount corresponding to the periodic financing product j) which can be obtained for the quality deposit by using the periodic financing product j. (ii) a

If the calculated available amount of the virtual resources is still smaller than the borrowing amount applied by the user, the server still refuses the borrowing request (virtual resource acquisition request) of the user; otherwise, the borrowing request of the borrower is saved.

304. And the server determines bank combination information according to the borrowing bank information corresponding to the borrowing user and the total pledge borrowable amount corresponding to the borrowing user.

Specifically, the banks may be first sorted according to the borrowing rules of the borrowing users and the putting rules of the banks to obtain sorted borrowing banks, then, the sequenced borrowing banks are traversed, the current Bank is recorded as Bank _ i, then the pledge borrowing amount Lend _ i of the user in Bank _ i is obtained, then judging whether the end _ i is larger than the amount of money to be borrowed, if not, determining the end _ i as the loan amount corresponding to the Bank _ i, recording the end _ i and the loan amount corresponding to the end _ i, and updating the amount of money still needing to be borrowed, returning to the step of obtaining the pledge borrowing amount of the user in Bank _ i, if the left _ i is larger than the amount of money still needing to be borrowed, the amount of money still needing to be borrowed at the moment is recorded as the loan amount of Bank _ i, and generating Bank combination information according to the recorded Bank _ i and the deposit amount corresponding to the Bank _ i.

In one embodiment, the server further sends the bank combination information to the terminal, so that the user knows which banks the user debits, and the bank combination information can be shown in fig. 3 f.

In an embodiment, the server further needs to calculate the periodic financial products corresponding to the pledges of each bank in the bank borrowing combination information and the amount of the periodic financial products in the pledges of the bank according to the periodic financial product information corresponding to each bank in the bank borrowing combination information.

In an embodiment, the server further sends the information of the periodic financial products corresponding to the banks to the terminal, so that the user knows which banks to lend themselves and also knows the pledge situation of the periodic financial products of the user in each bank, as shown in fig. 3g, and the display interface increases the information of the periodic financial products of each bank on the basis of fig. 3 f.

In an embodiment, the server sends the information about interest on borrowing and the payment period to the terminal, which is not limited herein.

305. And the server deposits money to the terminal according to the bank combination information.

In this embodiment, after the server determines the bank combination information, the server may put money to the terminal according to the bank combination information, and send information of success of borrowing to the terminal.

According to the embodiment of the invention, the combined pledge borrowing can be carried out on the periodical financing products (the pledge borrowing of one periodical financing product one by one is not needed, the borrowing efficiency is improved), the combined pledge can be carried out on the borrowing banks during borrowing (if the borrowing amount of one bank is not enough to support the total borrowing of the user, the borrowing bank does not need to be manually borrowed to the next bank, the borrowing bank is automatically combined, the borrowing efficiency is improved), the optimal borrowing mode (the borrowing period is longest or the borrowing interest rate is lowest) is obtained, if the periodical financing product of the user is not enough to reserve the amount of money to be borrowed, the user can also use other users holding the periodical financing products as a guarantee person to improve the borrowing amount of the user.

In order to better implement the virtual resource acquisition method provided by the embodiment of the present invention, an embodiment of the present invention further provides an apparatus based on the virtual resource acquisition. The meaning of the noun is the same as that in the above virtual resource obtaining method, and specific implementation details may refer to the description in the method embodiment.

Referring to fig. 4a, fig. 4a is a schematic structural diagram of a virtual resource obtaining apparatus according to an embodiment of the present invention, where the virtual resource obtaining apparatus is applied to a server, where the virtual resource obtaining apparatus may include a receiving unit 401, a first obtaining unit 402, a second obtaining unit 403, a first determining unit 404, and a sending unit 405, and the details are as follows:

a receiving unit 401, configured to receive a virtual resource acquisition request sent by a terminal, where the virtual resource acquisition request carries a user identifier and a target virtual resource amount to be acquired;

a first obtaining unit 402, configured to obtain a virtual resource available amount corresponding to a user identifier;

a second obtaining unit 403, configured to obtain an issuer identifier corresponding to the user identifier when the available amount of the virtual resource is not less than the target virtual resource amount, to obtain an issuer identifier set;

a first determining unit 404, configured to determine resource issuing combination information according to the virtual resource issuable amount corresponding to the issuer identifier and the issuer identifier set, where the resource issuing combination information includes a target issuer identifier that needs to issue a virtual resource and a virtual resource actual issuing amount corresponding to the target issuer identifier;

the issuing unit 405 is configured to issue the corresponding virtual resource to the user identifier according to the target issuer identifier and the corresponding virtual resource actual issuing amount.

Further, the first determining unit 404 includes:

the first selection subunit is used for selecting the issuer identification from the issuer identification set as the current issuer identification;

the first obtaining subunit is used for obtaining the virtual resource issuable amount corresponding to the current issuer identification;

the first recording subunit is used for recording the current issuer identification and the corresponding virtual resource issuable amount when the target virtual resource amount is greater than the accumulated virtual resource issuable amount, updating the current issuer identification, and returning to execute the step of acquiring the virtual resource issuable amount corresponding to the current issuer identification;

and the first determining subunit is used for determining the target issuer identification and the actual virtual resource issuing amount corresponding to the target issuer identification according to the recorded current issuer identification and the corresponding virtual resource issuing amount when the target virtual resource amount is not greater than the cumulative virtual resource issuing amount.

Still further, the first obtaining subunit includes:

the first acquisition module is used for acquiring the total virtual resource release amount corresponding to the current issuer identification and the used virtual resource release amount of the current issuer identification;

the first determining module is used for determining the virtual resource issuable amount according to the total virtual resource issuable amount and the used virtual resource issuable amount.

As shown in fig. 4b, the apparatus further comprises:

a second obtaining unit 406, configured to obtain a virtual resource issuing rule corresponding to the issuer identifier;

a first sorting unit 407, configured to sort, according to the virtual resource acquisition rule and the virtual resource issuance rule, issuer identifiers in the issuer identifier set, to obtain an ordered issuer identifier set;

the first selection subunit is specifically configured to:

Further, the first obtaining unit 402 includes:

the third acquisition subunit is used for acquiring the actual available resource amount corresponding to the virtual product identifier and the corresponding resource distribution proportion;

and the second determining subunit is used for determining the sum of the available resource amounts corresponding to the virtual product identifier set according to the actual available resource amount and the resource distribution proportion corresponding to the actual available resource amount to obtain the available amount of the virtual resources.

As shown in fig. 4c, the apparatus further comprises:

a second determining unit 408, configured to determine virtual product information corresponding to the target issuer identifier, where the virtual product information includes the target virtual product identifier and an actual available resource amount corresponding to the target virtual product identifier, and the target virtual product identifier is a virtual product identifier corresponding to the target issuer identifier;

the first sending unit 409 is configured to send the actual release amount of the virtual resource corresponding to the target issuer identifier and the virtual product information corresponding to the target issuer identifier to the terminal.

Further, the second determining unit 408 includes:

the second selection subunit is used for selecting the virtual product identifier from the virtual product identifier set as the current virtual product identifier;

the third selection subunit is used for selecting a target issuer identification from the target issuer identification set as a current target issuer identification, wherein the target issuer identification set consists of the target issuer identifications;

a second recording subunit, configured to record the current virtual product identifier and the current available resource amount corresponding to the current virtual product identifier, update the current virtual product identifier, and return to perform the step of obtaining the current available resource amount corresponding to the current virtual product identifier when the updated current virtual resource issuable amount is greater than 0;

Further, the fourth acquiring subunit includes:

the second determining module is used for determining the current actual available resource amount according to the total value amount of the product and the used actual available resource amount;

The device also includes:

the second selection subunit is specifically configured to:

and sequentially selecting the virtual product identifications from the sorted virtual product identification set as current virtual product identifications.

The device still includes:

and the updating unit is used for updating the available quantity of the virtual resources according to the available quantity of other virtual resources.

In the embodiment of the present invention, a receiving unit 401 receives a virtual resource acquisition request sent by a terminal, where the virtual resource acquisition request carries a user identifier and a target virtual resource amount to be acquired; a first obtaining unit 402 obtains the available amount of virtual resources corresponding to the user identifier; when the available amount of virtual resources is not less than the target amount of virtual resources, the second obtaining unit 403 obtains an issuer identifier corresponding to the user identifier to obtain an issuer identifier set; the first determining unit 404 determines resource issuing combination information according to the virtual resource issuable amount corresponding to the issuer identifier and the issuer identifier set, where the resource issuing combination information includes a target issuer identifier that needs to issue a virtual resource and a virtual resource actual issuing amount corresponding to the target issuer identifier; the issuing unit 405 issues the corresponding virtual resource to the user identifier according to the target issuer identifier and the actual issuing amount of the virtual resource corresponding to the target issuer identifier, so that the user identifier obtains the target virtual resource amount to be acquired. The embodiment of the invention can simultaneously acquire all the issuer identifications corresponding to the user identification to obtain the issuer identification set, and can determine a plurality of target issuer identifications needing to issue the virtual resources from the identification set, thereby improving the acquisition efficiency of the virtual resources.

An embodiment of the present application further provides a device, including: one or more processors; a storage device for storing one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the steps in the virtual resource acquisition method.

An embodiment of the present invention further provides a server, as shown in fig. 5, which shows a schematic structural diagram of the server according to the embodiment of the present invention, specifically:

the server may include components such as a processor 501 of one or more processing cores, memory 502 of one or more computer-readable storage media, a power supply 503, and an input unit 504. Those skilled in the art will appreciate that the server architecture shown in FIG. 5 is not meant to be limiting, and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the processor 501 is a control center of the server, connects various parts of the entire server by various interfaces and lines, and performs various functions of the server and processes data by running or executing software programs and/or modules stored in the memory 502 and calling data stored in the memory 502, thereby performing overall monitoring of the server. Optionally, processor 501 may include one or more processing cores; preferably, the processor 501 may integrate an application processor and a modem processor, wherein the application processor mainly handles operations of storage media, user interfaces, application programs, and the like, and the modem processor mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 501.

The memory 502 may be used to store software programs and modules, and the processor 501 executes various functional applications and data processing by operating the software programs and modules stored in the memory 502. The memory 502 may mainly include a storage program area and a storage data area, wherein the storage program area may store an application program (such as a sound playing function, an image playing function, etc.) required for operating a storage medium, at least one function, and the like; the storage data area may store data created according to the use of the server, and the like. Further, the memory 502 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 502 may also include a memory controller to provide the processor 501 with access to the memory 502.

The server further comprises a power supply 503 for supplying power to each component, and preferably, the power supply 503 may be logically connected to the processor 501 through a power management storage medium, so that functions of managing charging, discharging, power consumption, and the like are realized through the power management storage medium. The power supply 503 may also include any component of one or more dc or ac power sources, rechargeable storage media, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The server may also include an input unit 504, and the input unit 504 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

Although not shown, the server may further include a display unit and the like, which will not be described in detail herein. Specifically, in this embodiment, the processor 501 in the server loads the executable file corresponding to the process of one or more application programs into the memory 502 according to the following instructions, and the processor 501 runs the application program stored in the memory 502, thereby implementing various functions as follows:

receiving a virtual resource acquisition request sent by a terminal, wherein the virtual resource acquisition request carries a user identifier and a target virtual resource amount required to be acquired; acquiring the available quantity of virtual resources corresponding to the user identification; when the available amount of the virtual resources is not less than the target virtual resource amount, acquiring an issuer identification corresponding to the user identification to obtain an issuer identification set; determining resource distribution combination information according to the virtual resource distributable quantity corresponding to the distributor identification and the distributor identification set, wherein the resource distribution combination information comprises a target distributor identification needing to distribute the virtual resource and the virtual resource actual distribution quantity corresponding to the target distributor identification; and issuing corresponding virtual resources to the user identifier according to the target issuer identifier and the corresponding virtual resource actual issuing amount, so that the user identifier obtains the target virtual resource amount required to be acquired.

In the foregoing embodiments, the descriptions of the embodiments have respective emphasis, and parts that are not described in detail in a certain embodiment may refer to the above detailed description of the virtual resource obtaining method, which is not described herein again.

Accordingly, an embodiment of the present invention further provides a terminal, as shown in fig. 6, the terminal may include Radio Frequency (RF) circuit 601, a memory 602 including one or more computer-readable storage media, an input unit 603, a display unit 604, a sensor 605, an audio circuit 606, a Wireless Fidelity (WiFi) module 607, a processor 608 including one or more processing cores, and a power supply 609. Those skilled in the art will appreciate that the terminal structure shown in fig. 6 is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or a different arrangement of components. Wherein:

the RF circuit 601 may be used for receiving and transmitting signals during a message transmission or communication process, and in particular, for receiving downlink messages from a base station and then processing the received downlink messages by one or more processors 608; in addition, data relating to uplink is transmitted to the base station. In general, the RF circuit 601 includes, but is not limited to, an antenna, at least one Amplifier, a tuner, one or more oscillators, a Subscriber Identity Module (SIM) card, a transceiver, a coupler, a Low Noise Amplifier (LNA), a duplexer, and the like. In addition, the RF circuit 601 may also communicate with networks and other devices via wireless communications. The wireless communication may use any communication standard or protocol, including but not limited to Global System for Mobile communications (GSM), General Packet Radio Service (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access (WCDMA), Long Term Evolution (LTE), email, Short Message Service (SMS), and the like.

The memory 602 may be used to store software programs and modules, and the processor 608 executes various functional applications and data processing by operating the software programs and modules stored in the memory 602. The memory 602 may mainly include a storage program area and a storage data area, wherein the storage program area may store an application program (such as a sound playing function, an image playing function, etc.) required for operating a storage medium, at least one function, and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the terminal, etc. Further, the memory 602 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 602 may also include a memory controller to provide the processor 608 and the input unit 603 access to the memory 602.

The input unit 603 may be used to receive input numeric or character information and generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control. In particular, in one particular embodiment, input unit 603 may include a touch-sensitive surface as well as other input devices. The touch-sensitive surface, also referred to as a touch display screen or a touch pad, may collect touch operations by a user (e.g., operations by a user on or near the touch-sensitive surface using a finger, a stylus, or any other suitable object or attachment) thereon or nearby, and drive the corresponding connection device according to a predetermined program. Alternatively, the touch sensitive surface may comprise two parts, a touch detection means and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 608, and can receive and execute commands sent by the processor 608. In addition, touch sensitive surfaces may be implemented using various types of resistive, capacitive, infrared, and surface acoustic waves. The input unit 603 may include other input devices in addition to the touch-sensitive surface. In particular, other input devices may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a trackball, a mouse, a joystick, and the like.

The display unit 604 may be used to display information input by or provided to the user and various graphical user interfaces of the terminal, which may be made up of graphics, text, icons, video, and any combination thereof. The Display unit 604 may include a Display panel, and optionally, the Display panel may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like. Further, the touch-sensitive surface may overlay the display panel, and when a touch operation is detected on or near the touch-sensitive surface, the touch operation is transmitted to the processor 608 to determine the type of touch event, and the processor 608 then provides a corresponding visual output on the display panel according to the type of touch event. Although in FIG. 6 the touch-sensitive surface and the display panel are two separate components to implement input and output functions, in some embodiments the touch-sensitive surface may be integrated with the display panel to implement input and output functions.

The terminal may also include at least one sensor 605, such as a light sensor, motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display panel according to the brightness of ambient light, and a proximity sensor that may turn off the display panel and/or the backlight when the terminal is moved to the ear. As one of the motion sensors, the gravity acceleration sensor can detect the magnitude of acceleration in each direction (generally, three axes), can detect the magnitude and direction of gravity when the mobile phone is stationary, and can be used for applications of recognizing the posture of the mobile phone (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), vibration recognition related functions (such as pedometer and tapping), and the like; as for other sensors such as a gyroscope, a barometer, a hygrometer, a thermometer, and an infrared sensor, which can be configured in the terminal, detailed description is omitted here.

Audio circuitry 606, a speaker, and a microphone may provide an audio interface between the user and the terminal. The audio circuit 606 may transmit the electrical signal converted from the received audio data to a speaker, and convert the electrical signal into a sound signal for output; on the other hand, the microphone converts the collected sound signal into an electric signal, which is received by the audio circuit 606 and converted into audio data, which is then processed by the audio data output processor 608, and then transmitted to, for example, another terminal via the RF circuit 601, or the audio data is output to the memory 602 for further processing. The audio circuit 606 may also include an earbud jack to provide communication of peripheral headphones with the terminal.

WiFi belongs to short-distance wireless transmission technology, and the terminal can help a user to receive and send e-mails, browse webpages, access streaming media and the like through the WiFi module 607, and provides wireless broadband internet access for the user. Although fig. 6 shows the WiFi module 607, it is understood that it does not belong to the essential constitution of the terminal, and may be omitted entirely as needed within the scope not changing the essence of the invention.

The processor 608 is a control center of the terminal, connects various parts of the entire handset using various interfaces and lines, and performs various functions of the terminal and processes data by operating or executing software programs and/or modules stored in the memory 602 and calling data stored in the memory 602, thereby performing overall monitoring of the handset. Optionally, processor 608 may include one or more processing cores; preferably, the processor 608 may integrate an application processor, which mainly handles operations of storage media, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 608.

The terminal also includes a power supply 609 (e.g., a battery) for powering the various components, which may preferably be logically coupled to the processor 608 via a power management storage medium that provides management of charging, discharging, and power consumption. The power supply 609 may also include any component of one or more of a dc or ac power source, a rechargeable storage medium, a power failure detection circuit, a power converter or inverter, a power status indicator, and the like.

Although not shown, the terminal may further include a camera, a bluetooth module, and the like, which will not be described herein. Specifically, in the present embodiment, the processor 608 in the terminal loads the executable file corresponding to the process of one or more application programs into the memory 602 according to the following instructions, and the processor 608 runs the application programs stored in the memory 602, so as to implement the steps of the virtual resource obtaining method described in the embodiment of the present application and other various functions.

It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.

To this end, the present invention provides a storage medium, in which a plurality of instructions are stored, where the instructions can be loaded by a processor to execute the steps in any one of the virtual resource obtaining methods provided by the embodiments of the present invention. For example, the instructions may perform the steps of:

Since the instructions stored in the storage medium may execute the steps in any virtual resource acquisition method provided in the embodiments of the present invention, beneficial effects that can be achieved by any virtual resource acquisition method provided in the embodiments of the present invention may be achieved, which are detailed in the foregoing embodiments and will not be described herein again.

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

Wherein the storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

The foregoing detailed description is directed to a method, an apparatus, and a storage medium for acquiring virtual resources according to embodiments of the present invention, and a specific example is applied in the detailed description to explain the principles and implementations of the present invention, and the descriptions of the foregoing embodiments are only used to help understanding the method and the core idea of the present invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A virtual resource acquisition method is characterized by comprising the following steps:

2. The method of claim 1, wherein the determining resource distribution combination information according to the virtual resource issuable amount corresponding to the distributor identifier and the distributor identifier set comprises:

selecting an issuer identification from the issuer identification set as a current issuer identification;

acquiring the virtual resource issuable amount corresponding to the current issuer identification;

updating the cumulative release amount of the virtual resources according to the virtual resource release amount corresponding to the current issuer identification;

when the target virtual resource amount is larger than the accumulated virtual resource release amount, recording the current issuer identification and the corresponding virtual resource release amount, updating the current issuer identification, and returning to execute the step of acquiring the virtual resource release amount corresponding to the current issuer identification;

and when the target virtual resource amount is not greater than the accumulated virtual resource release amount, determining the target issuer identification and the actual virtual resource release amount corresponding to the target issuer identification according to the recorded current issuer identification and the virtual resource release amount corresponding to the current issuer identification.

3. The method of claim 2, wherein the obtaining the virtual resource issuable amount corresponding to the current issuer identifier comprises:

acquiring the total virtual resource release amount corresponding to the current issuer identification and the used virtual resource release amount of the current issuer identification;

and determining the virtual resource issuable amount according to the total virtual resource issuable amount and the used virtual resource issuable amount.

4. The method according to claim 2, wherein the virtual resource acquisition request further carries a virtual resource acquisition rule, and before the issuer identifier is selected from the issuer identifier set as the current issuer identifier, the method further comprises:

acquiring a virtual resource issuing rule corresponding to the issuer identification;

sorting the issuer identifications in the issuer identification set according to the virtual resource acquisition rule and the virtual resource issuance rule to obtain a sorted issuer identification set;

the selecting an issuer identification from the issuer identification set as a current issuer identification comprises:

5. The method according to claim 1, wherein the obtaining the available amount of virtual resources corresponding to the user identifier comprises:

acquiring a virtual product identifier corresponding to the user identifier to obtain a virtual product identifier set;

acquiring the actual available resource amount corresponding to the virtual product identifier and the corresponding resource distribution proportion;

and determining the sum of the available resource quantities corresponding to the virtual product identification set according to the actual available resource quantity and the resource distribution proportion corresponding to the actual available resource quantity to obtain the available quantity of the virtual resources.

6. The method according to claim 2, wherein after determining the target issuer identifier and the actual virtual resource issuing amount corresponding to the target issuer identifier according to the recorded current issuer identifier and the virtual resource issuing amount corresponding to the current issuer identifier, the method further comprises:

determining virtual product information corresponding to the target issuer identification, wherein the virtual product information comprises a target virtual product identification and an actual available resource amount corresponding to the target virtual product identification, and the target virtual product identification is a virtual product identification corresponding to the target issuer identification;

and sending the actual virtual resource issuing amount corresponding to the target issuing party identification and the virtual product information corresponding to the target issuing party identification to the terminal.

7. The method of claim 6, wherein said determining virtual product information corresponding to said target issuer identification comprises:

selecting a virtual product identifier from the virtual product identifier set as a current virtual product identifier;

selecting a target issuer identification from a target issuer identification set as a current target issuer identification, wherein the target issuer identification set consists of the target issuer identifications;

acquiring the current available resource amount corresponding to the current virtual product identifier;

updating the current virtual resource issuable amount of the current target issuer identification according to the current available resource amount corresponding to the current virtual product identification;

when the updated current virtual resource release amount is larger than 0, recording the current virtual product identifier and the corresponding current available resource amount, updating the current virtual product identifier, and returning to execute the step of acquiring the current available resource amount corresponding to the current virtual product identifier;

and when the updated current virtual resource issuable amount is not more than 0, determining the virtual product information corresponding to the current target issuer identification according to the recorded current virtual product identification and the current available resource amount corresponding to the current virtual product identification, updating the current target issuer identification, and updating the current available resource amount according to the current virtual resource issuable amount.

8. The method of claim 7, wherein the obtaining the current amount of available resources corresponding to the current virtual product identifier comprises:

acquiring the total value quantity of the product corresponding to the current virtual product identifier, the used actual available resource quantity corresponding to the total value quantity of the product and the resource distribution proportion corresponding to the actual available resource quantity;

determining the current actual available resource amount according to the total value amount of the product and the used actual available resource amount;

and determining the current available resource quantity according to the current actual available resource quantity and the corresponding resource distribution proportion.

9. The method of claim 7, wherein prior to said selecting a virtual product identifier from the set of virtual product identifiers as the current virtual product identifier, the method further comprises:

sorting the virtual product identifications in the virtual product identification set according to the expiration time of the virtual product identification to obtain a sorted virtual product identification set;

the selecting a virtual product identifier from the set of virtual product identifiers as a current virtual product identifier comprises:

10. The method according to any one of claims 1 to 7, wherein after obtaining the available amount of virtual resources corresponding to the user identifier, the method further comprises:

when the available amount of the virtual resources is less than the target virtual resource amount, sending virtual resource acquisition failure information to the terminal;

acquiring the acquirable quantity of other virtual resources of other user identifications;

and updating the available quantity of the virtual resources according to the available quantity of the other virtual resources.

11. A virtual resource acquisition apparatus, comprising:

12. An apparatus, comprising:

one or more processors;

storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out the method of any one of claims 1 to 10.

13. A storage medium storing instructions which, when executed by a processor, implement the virtual resource acquisition method of any one of claims 1-10.