CN112308719A - Virtual resource acquisition method, device, server and storage medium - Google Patents
Virtual resource acquisition method, device, server and storage medium Download PDFInfo
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Abstract
The invention discloses a virtual resource acquisition method, a virtual resource acquisition device, a server and a storage medium, and belongs to the technical field of networks. The method comprises the following steps: the method comprises the steps of firstly obtaining first virtual resource transaction information of a user, then determining target second virtual resources and corresponding conversion numbers, and finally transferring the converted value resources of each target second virtual resource to an account corresponding to the target second virtual resources. The resource acquisition based on the process not only provides a virtual resource acquisition mode with less time consumption and high efficiency for the user, but also enables the trading platform to better control the preservation condition of the second virtual resource.
Description
Technical Field
The present invention relates to the field of network technologies, and in particular, to a method, an apparatus, a server, and a storage medium for acquiring virtual resources.
Background
The economy of the modern times is developed at a high speed, along with the gradual implementation of a series of national financial policies, the development space of the investment and financial market is wider and wider, various financial products appear, the types of the financial products can comprise fried money, fund, stock, national debt and the like, the financial products can be regarded as virtual resources, and a transaction platform of the virtual resources can be provided on the Internet at present to provide users for obtaining the virtual resources.
At present, by taking virtual resources as funds as an example, an internet platform can provide various fund products, and users can directly select the fund products on the platform. The platform will typically set a purchase limit for each fund product to control the total daily purchase of each fund product, i.e., when a user wants to purchase a certain fund product, the purchase can only be made within the purchase limit, and if the purchase limit for that fund product has been reached on the day, the purchase cannot be made.
Based on the above virtual resource obtaining method, the user needs to obtain a certain virtual resource, and still take a fund product as an example, the user needs to browse the inventory information of each fund product and then select a fund product for purchase, and when the user wants to purchase a plurality of fund products, the user needs to perform the browsing, selecting and purchasing processes one by one, which not only has higher requirement on the professional knowledge of the user, but also has longer time consumption of the whole process and lower purchasing efficiency.
Disclosure of Invention
The embodiment of the invention provides a method, a device, a server and a storage medium for acquiring virtual resources, which can solve the problems of long time consumption and low efficiency when a user acquires the virtual resources in the related art. The technical scheme is as follows:
in one aspect, a method for acquiring virtual resources is provided, where the method includes:
acquiring first virtual resource transaction information of a user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of first virtual resources through a target value resource;
determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resource, the conversion priority of the plurality of second virtual resources, the unit value and the inventory information;
and respectively transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number and the unit value of each target second virtual resource to obtain the target second virtual resources corresponding to the conversion number.
In one aspect, an apparatus for acquiring virtual resources is provided, the apparatus including:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring first virtual resource transaction information of a user, and the first virtual resource transaction information is used for indicating the user to purchase a first number of first virtual resources through a target value resource;
the determining module is used for determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resource, the conversion priority of the multiple second virtual resources, the unit value and the inventory information;
and the transfer module is used for respectively transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number and the unit value of each target second virtual resource so as to obtain the target second virtual resources corresponding to the conversion number.
In one possible implementation manner, the conversion priorities of the plurality of second virtual resources are determined based on the unit profit of the plurality of second virtual resources, and the higher the unit profit is, the higher the conversion priority is.
In one possible implementation, the apparatus further includes: a first determining module, configured to determine, according to the target value resource, the conversion priorities of the plurality of second virtual resources, the unit value, and the inventory information, a second virtual resource, from the plurality of second virtual resources, whose current convertible value satisfies the target value resource in an order from high to low of the conversion priorities, as the target second virtual resource; and determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
In one possible implementation, the apparatus further includes: a second determining module, configured to determine, according to the target value resource, the conversion priorities, the unit values, and the inventory information of the multiple second virtual resources, a target second virtual resource, in which a second virtual resource whose current convertible value cannot satisfy the target value resource and inventory information is not 0 is a preferred resource, from the multiple second virtual resources; determining at least one target second virtual resource as a supplementary resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; and respectively determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource.
In one possible implementation, the apparatus further includes: a third determining module, configured to obtain a target value ratio among multiple target second virtual resources corresponding to the first virtual resource; and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
In one possible implementation, the apparatus further includes: a resource transfer module configured to generate a transaction order of a current transaction, where the transaction order is used to indicate the first number of copies of the first virtual resource and the converted number of copies of the at least one target second virtual resource; respectively determining the converted value resource of each target second virtual resource every other preset time according to a transaction list of which the transaction is completed within the preset time, and checking whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same or not; and transferring the converted value resource of each target second virtual resource to an account corresponding to the target second virtual resource.
In one aspect, a server is provided, which includes one or more processors and one or more memories, wherein at least one program code is stored in the one or more memories, and the at least one program code is loaded and executed by the one or more processors to implement the virtual resource acquisition method as described above.
In one aspect, a computer-readable storage medium is provided, in which at least one program code is stored, and the at least one program code is loaded and executed by a processor to implement the virtual resource acquisition method as described above.
The technical scheme provided by the embodiment of the invention has the beneficial effects that at least: the method comprises the steps of firstly obtaining first virtual resource transaction information of a user, then determining target second virtual resources and corresponding conversion numbers, and finally transferring the converted value resources of each target second virtual resource to an account corresponding to the target second virtual resources. The resource acquisition based on the process not only provides a virtual resource acquisition mode with less time consumption and high efficiency for the user, but also enables the trading platform to better control the preservation condition of the second virtual resource.
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. 1 is a block diagram of a resource service system 100 according to an embodiment of the present invention;
fig. 2 is a flowchart of a virtual resource obtaining method according to an embodiment of the present invention;
FIG. 3 is a diagram illustrating an inter-account resource transfer process according to an embodiment of the present invention;
FIG. 4 is a flow chart of an alternative step 202 method provided by embodiments of the present invention;
FIG. 5 is a flow chart of another alternative step 202 method provided by embodiments of the present invention;
FIG. 6 is a flow chart of a method for outsourcing purchase of FOF funds according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a virtual resource obtaining apparatus according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, embodiments of the present invention will be described in detail with reference to the accompanying drawings.
The virtual resources refer to online financial products, such as fried funds, stocks, bonds and the like, and can be acquired on an internet trading platform.
A value resource refers to a resource used to measure the value of a virtual resource and may include currency resources such as RMB, US dollars, Euros, etc.
The first virtual resource refers to a virtual resource directly purchased by a user, such as a mother fund, and the first virtual resource can be converted into at least one second virtual resource.
The second virtual resource refers to a resource converted from the first virtual resource, such as a stock fund, a bond fund and the like.
A maternal Fund (Fund of Funds, FOF) is a Fund that invests exclusively in investing Funds in other securities. The mother fund does not directly invest in stocks or bonds, the investment range is limited to other funds, and the stock fund indirectly owns stock, bonds and other security assets by holding other security investment funds, so that the stock fund is a new fund variety combining fund product innovation and sales channel innovation.
Fig. 1 is a block diagram of a resource service system 100 according to an embodiment of the present invention. The resource service system 100 includes: a terminal 110 and a resource services platform 140.
The terminal 110 is connected to the resource service platform 140 through a wireless network or a wired network. The terminal 110 may be a mobile terminal, for example, the mobile terminal may be at least one of a smartphone, a game console, a desktop computer, a tablet computer, an e-book reader, an MP3 player, an MP4 player, and a laptop portable computer. The terminal 110 is installed and operated with an application program supporting a resource service. The application program can be any one of a virtual resource transaction program, a social application program, an instant messaging application program and an information sharing program. Illustratively, the terminal 110 is a terminal used by a user, and an application running in the terminal 110 may have a user account registered therein.
The resource services platform 140 may include at least one of a server, a plurality of servers, a cloud computing platform, and a virtualization center. Optionally, the resource service platform 140 comprises: a resource information server, a user information database, a virtual resource database, and the like. The resource information server is used to provide a virtual resource acquisition service to the terminal 110. The resource information server can be one or more. When the resource information servers are multiple, at least two resource information servers exist for providing different services, and/or at least two resource information servers exist for providing the same service, for example, providing the same service in a load balancing manner, which is not limited in the embodiment of the present invention. The user information database is used for storing user information of the resource service platform, and the virtual resource database is used for providing virtual resource data so as to provide functions of virtual resource transaction and the like for the terminal subsequently. Of course, the resource services platform 140 may also include other functional servers to provide more comprehensive and diversified services.
The terminal 110 may be generally referred to as one of a plurality of terminals, and the embodiment is only illustrated by the terminal 110. Those skilled in the art will appreciate that the number of terminals described above may be greater or fewer. For example, the number of the terminal may be only one, or several tens or hundreds, or more, and in this case, the resource service system further includes other terminals. The embodiment of the invention does not limit the number of the terminals and the type of the equipment.
Fig. 2 is a flowchart of a virtual resource obtaining method according to an embodiment of the present invention. The execution subject of the embodiment of the present invention is a server, and referring to fig. 2, the method includes:
201. the server acquires first virtual resource transaction information of a user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of first virtual resources through a target value resource.
In a possible implementation manner, a server creates a user account on a trading platform for a user, when the server receives a first virtual resource acquisition request sent by the user, the first virtual resource acquisition request may be for requesting to acquire a first number of first virtual resources, and when the server detects that the user has completed a resource transfer operation for the first number of first virtual resources, that is, the user has transferred corresponding target value resources to the trading platform, the server transfers the first number of first virtual resources to the user account, thereby completing a first virtual resource trade. For example, the server receives a request sent by the user to purchase 100 financial products, and after the user transfers the purchase payment amount corresponding to the 100 financial products to the account of the transaction platform, the server transfers the 100 financial products to the user account.
In a possible implementation manner, the virtual resource transfer process mentioned in the embodiment of the present invention is described by taking resource transfer between accounts as an example, fig. 3 is a schematic diagram of the resource transfer process between accounts provided in the embodiment of the present invention, a user account is a personal account used by a user when a platform performs a transaction, a first account is a platform account and may be used to store a total target value resource corresponding to a first virtual resource, a second account is an intermediate account used on the platform to check whether the resource transfer process is correct, and an account corresponding to a target second virtual resource is an account used by each virtual resource company when performing a transaction on the transaction platform. Step 201 relates to the process of resource transfer from the user account to the first account in fig. 3, and the user account involved in the first virtual resource transaction may be any one of the user accounts A, B, C in fig. 3, where the process of resource transfer from the user account to the first account may include: and when the first virtual resource transaction is completed, transferring the target value resource in the user account to the first account in real time.
In addition, each time the user completes the first virtual resource transaction, the server can perform value-added calculation on the credit value of the user, and the credit value of the user is used for indicating the honesty degree of the user. Based on the credit value of the user, the user can enjoy a certain priority service, for example, when the server receives first virtual resource acquisition requests sent by more than two users within a certain time period, the credit values of the users sending the requests are compared, and the first virtual resource acquisition requests of the users are processed in sequence from large to small according to the credit values of the users, so that the use experience of the users with higher credit values is improved.
In one possible implementation, the above process may include: the method comprises the steps that a server receives a first virtual resource obtaining request of a user, extracts a resource identifier and a first number of parts carried by the first virtual resource obtaining request, determines a value resource to be paid according to the resource identifier and the first number of parts, generates a payment page based on the value resource to be paid, and binds the first number of parts of the first virtual resource with a user account after the fact that the user completes payment based on the payment page is detected, so that obtaining of the first virtual resource is completed. The server may determine, according to the resource identifier of the first virtual resource, resource identifiers of a plurality of second virtual resources bound to the resource identifier, and execute the subsequent steps based on the resource identifiers of the plurality of second virtual resources and the conversion priorities corresponding to the respective second virtual resources.
202. And the server determines a second virtual resource with current convertible value meeting the target value resource as the target second virtual resource from the plurality of second virtual resources according to the conversion priority, the unit value and the inventory information of the target value resource, the conversion priority of the plurality of second virtual resources and the sequence from high to low of the conversion priority.
The conversion priority of the plurality of second virtual resources may be determined based on the unit profit of the plurality of second virtual resources, and the higher the unit profit, the higher the conversion priority. The unit value refers to a conversion value of the second virtual resource, that is, a unit price of the second virtual resource. The inventory information refers to the current number of convertible copies of the second virtual resource, i.e., the number of purchasable copies of the current second virtual resource.
The specific process of determining a second virtual resource whose current convertible value meets the target value resource as a target second virtual resource according to the conversion priority from high to low may include the following steps 202A to 202C:
step 202A, determining a product of the unit value and the inventory information of the second virtual resource with the highest conversion priority as a first current convertible value, that is, determining a product of the unit price and the number of the purchasable shares of the second virtual resource with the highest conversion priority as a first current convertible value, for example, if the unit price of the financial product with the highest conversion priority is 1000 yuan/share, and the number of the purchasable shares is 500 shares, the first current purchasable amount is 1000 × 500 — 50 ten thousand yuan. The first current convertible value is compared with a target value resource corresponding to the first virtual resource.
Step 202B, when the first current convertible value is greater than or equal to the target value resource corresponding to the first virtual resource, determining the second virtual resource with the highest conversion priority as the target second virtual resource. For example, the money amount of the financing product A is 5000 yuan, the current money amount of the financing product B1 with the highest priority is 8000 yuan, and the current money amount of the financing product B1 is larger than the money amount of the financing product A, so that the financing product B1 with the highest priority is determined as the target financing product.
Step 202C, when the first current convertible value is smaller than the target value resource corresponding to the first virtual resource, obtaining a second current convertible value of the second virtual resource with the conversion priority lower than the first level, and performing the comparing and determining process based on the obtained current convertible value. It should be noted that the type of the second virtual resource into which the first virtual resource can be converted is determined before resource transfer, and when the first current convertible value is smaller than the target value resource corresponding to the first virtual resource, the second virtual resource can be selected from the determined second virtual resources according to the conversion priority order. For example, the money amount of a certain financing product A is 5000 yuan, the money amount of the financing product B1 with the highest priority is 3000 yuan, the money amount of the financing product B1 with the highest priority is smaller than the money amount of the financing product A, the money amount of the financing product B2 with the lower priority is 6000 yuan, and the money amount of the financing product B2 with the highest priority is larger than the money amount of the financing product A, so that the financing product B2 with the lower priority is determined as the target financing product.
It should be noted that setting the conversion priority may provide a basis for determining the order of the target second virtual resources, and the guidance of setting the conversion priority on such platforms may ensure that the user may preferentially obtain the virtual resources with higher profit.
203. The server determines the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
For example, the amount of the first financing product for the subscription is 5000 yuan, the unit price of the target second financing product is 100 yuan/part, and the number of the subscription of the target second financing product is 5000/100-50 parts.
In the above steps 202 and 203, the server may compare the conversion priorities corresponding to the plurality of second virtual resources to determine a processing order, for example, according to the resource identifier of the second virtual resource with the largest conversion priority assignment, obtain the unit value and the inventory information corresponding to the second virtual resource from the database, determine whether to obtain the second virtual resource based on the unit value and the inventory information, if so, determine the number of conversion copies based on the step 203, and if not, obtain the second virtual resource with the lower conversion priority and continue to perform the above determining step until the second virtual resource capable of meeting the conversion requirement is obtained.
204. The server generates a transaction order for a current transaction, the transaction order indicating the first number of copies of the first virtual resource and the number of converted copies of the at least one target second virtual resource.
In one possible implementation, the transaction order may include a merchant number, a conversion order number, and a number of conversions for the first virtual resource and the at least one target second virtual resource. The merchant number is used for indicating the types of the first virtual resource and the at least one target second virtual resource, the conversion bill number is used for marking the sequence of the transaction to facilitate subsequent retrieval of the transaction, and the conversion number is used for recording the first number of the first virtual resource and the conversion number of the at least one target second virtual resource to provide a basis for a later checking process.
It should be noted that the transaction list can accurately record the condition of each transaction, provide a check certificate for the subsequent resource transfer process, and avoid the condition that no certificate can be relied upon when the resource transfer is wrong.
205. And the server respectively determines the converted value resource of each target second virtual resource every other preset time according to the transaction list of which the transaction is completed in the preset time, and checks whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same or not.
The preset time may be 24 hours, or may be other time periods meeting the actual virtual resource settlement requirement, and the preset time is not limited in the present invention.
The specific process of respectively determining the converted value resource of each target second virtual resource according to the transaction order in which the transaction is completed within the preset time period may include: and the converted value resource of the target second virtual resource is obtained by summing the conversion number of each target second virtual resource in the transaction list and multiplying the sum by the unit value corresponding to each target second virtual resource. For example, all trading orders related to the financial product A are found, the number of buyout copies of the financial product A recorded in the trading order is summed, and then the sum is multiplied by the unit price of the financial product A to obtain the total buyout amount of the financial product.
The specific process of checking whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same may include: and summing the target value resources corresponding to the first virtual resource in all the transaction lists to obtain the total converted value resource of the first virtual resource, and comparing the total converted value resource of the first virtual resource with the total converted value resource of each target second virtual resource.
The checking process before resource transfer in step 205 can ensure the accuracy of resource transfer, avoid the situation that the resource transfer is wrong but neglected, and prevent unnecessary economic loss.
206. When the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is equal, the server transfers the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource.
The specific process of transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource may include: and determining an account corresponding to each target second virtual resource, and then transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource. It should be noted that, there may be a case where multiple target second virtual resources correspond to one account, at this time, the converted value resources of the multiple target second virtual resources corresponding to the account are summed, the total converted value resource of the multiple target second virtual resources corresponding to the account is determined, and then the converted value resource is transferred to the account.
In one possible implementation, as shown in fig. 3, the resource transfer procedure involved in step 206 may include: and transferring the total target value resources corresponding to the first virtual resources in the first account to a second account, and then transferring the total target value resources in the second account to an account corresponding to each target second virtual resource. In the embodiment of the present invention, only the resource transfer process from the first account to the second account is performed in step 206, and may also be performed in any step of the above steps 202 to 205, which is not limited in the present invention.
In addition, each account corresponding to the target second virtual resource refers to an account of a company corresponding to the second virtual resource on the platform, and before transferring the value resource in the account on the platform to the account of the company, the following steps may be performed:
and determining the value resources transferred from the first account to the second account as first transferred value resources, determining the sum of the value resources transferred from the second account to the account corresponding to each target second virtual resource as second transferred value resources, and checking the first transferred value resources and the second transferred value resources. When the first transferred value resource is equal to the second transferred value resource, the value resource in the account on the platform may be transferred to the account of the company; and when the first transferred value resource is not equal to the second transferred value resource, triggering an alarm, locking all accounts involved in the transaction, submitting the resource transfer data of the accounts to a platform for manual checking, waiting for the manual checking to pass, unlocking the accounts, and transferring the value resources in the accounts on the platform corresponding to each target second virtual resource to the account of the company.
The first transferred value resource and the second transferred value resource are checked, so that the accuracy of the value resource transferred to the account of the company can be ensured, and the economic dispute between the platform and the virtual resource company caused by errors in the resource transfer process is avoided.
It should be noted that, only by taking the case that the total sum of the target value resource corresponding to the first virtual resource is equal to the total sum of the converted value resource of each target second virtual resource as an example, in a possible implementation manner, when the total sum of the target value resource corresponding to the first virtual resource is not equal to the total sum of the converted value resource of each target second virtual resource, an alarm is triggered, all accounts involved in the transaction are locked, the corresponding transaction sheet is submitted to a platform for manual checking, the manual checking is waited to pass, the account locking is released, and then the step of transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource is continuously executed, which is not limited in the present invention.
In addition, steps 204 to 206 are used to perform resource transfer on the target value resource to the account corresponding to the at least one target second virtual resource according to the converted number of copies and the unit value of each target second virtual resource, so as to obtain the target second virtual resource corresponding to the converted number of copies. In other possible implementation manners, the converted value resource of each target second virtual resource may be determined after the transaction order reaches the target quantity, or may be determined in real time along with the generation of the transaction order, and the determination time is not limited in the present invention.
The method provided by the embodiment of the invention comprises the steps of firstly obtaining the transaction information of the first virtual resource of a user, then determining the target second virtual resource and the corresponding conversion number, generating a transaction list, carrying out resource transfer check based on the transaction list, and finally carrying out resource transfer on the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource. The resource acquisition based on the process not only provides a virtual resource acquisition mode with less time consumption and high efficiency for the user, but also enables the trading platform to better control the preservation condition of the second virtual resource, and further, the checking is carried out before the resource transfer, so that the accuracy of the resource transfer is guaranteed.
In addition, step 202 is an embodiment of determining at least one target second virtual resource and the number of converted copies of each target second virtual resource according to the target value resource, the conversion priorities, the unit values and the inventory information of the plurality of second virtual resources, and in other possible implementations, as shown in fig. 4, the implementation manners of the following steps 401 to 403 may be adopted to replace the step 202.
401. The server determines a second virtual resource, which is a preferred resource and has a current convertible value that cannot satisfy the target value resource and stock information that is not 0, from the plurality of second virtual resources according to the target value resource, the conversion priority, the unit value, and the stock information of the plurality of second virtual resources.
The product of the unit value and the inventory information of the second virtual resource with the highest conversion priority is determined as a first current convertible value, that is, the product of the unit price and the number of available purchasable shares of the second virtual resource with the highest conversion priority is determined as a first current convertible value, the first current convertible value is smaller than a target value resource corresponding to the first virtual resource, and the second virtual resource with the highest conversion priority is determined as a target second virtual resource of the preferred resource. For example, if the amount of money for applying the financial product a is 5000 yuan and the amount of money for applying the financial product B1 with the highest conversion priority is 2000 yuan, the financial product B1 with the highest conversion priority is determined as the preferred target financial product.
It should be noted that, this embodiment is described only by taking the case where the first current convertible value is smaller than the target value resource corresponding to the first virtual resource as an example, in other possible implementations, when the first current convertible value is greater than or equal to the target value resource corresponding to the first virtual resource, the second virtual resource with the highest conversion priority is determined as the target second virtual resource of the preferred resource, and steps 402 and 403 do not need to be executed, that is, no additional resource needs to be determined, at this time, the conversion score of the target second virtual resource of the preferred resource may be a ratio of the target value resource corresponding to the first virtual resource to the unit value of the target second virtual resource of the preferred resource.
402. The server determines at least one target second virtual resource as a supplementary resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource.
The specific process of determining at least one target second virtual resource as a supplemental resource may include the following steps 402A to 402C:
step 402A, determining a difference between the target value resource and the first current convertible value as a first value, obtaining a second current convertible value of the second virtual resource with the conversion priority lower than the first value, and comparing the second current convertible value with the first value.
Step 402B, when the second current convertible value is greater than or equal to the first value, determining the second virtual resource with a lower priority as a target second virtual resource of the supplementary resource. For example, if the amount of money to be purchased corresponding to the financial product a is 5000 yuan, and the amount of money to be purchased currently of the financial product B1 with the highest purchase priority is 2000 yuan, the first value should be 5000-.
Step 402C, when the second current convertible value is smaller than the first value, determining the second virtual resource with a lower priority as a target second virtual resource of the supplementary resource, determining a difference between the first value and the second current convertible value as a second value, obtaining a third current convertible value of the second virtual resource with the conversion priority lower by one, and performing the above comparison and determination process based on the re-obtained value difference and the current convertible value. It should be noted that the type of the second virtual resource into which the first virtual resource can be converted is determined before resource transfer, and when the first current convertible value is smaller than the target value resource corresponding to the first virtual resource, the second virtual resource can be selected from the determined second virtual resources according to the priority order. For example, if the currently available money amount of the financial product B2 with the lower subscription priority is 2000 yuan, the currently available money amount of the financial product B2 is smaller than the first value, the financial product B2 may be determined as a target second financial product of the supplement, the second value should be 3000 yuan 2000 to 1000 yuan, and if the available money amount of the financial product B3 with the lower subscription priority is 3000 yuan, the currently available money amount of the financial product B3 is larger than the first value, the financial product B3 may be determined as a target second financial product of the supplement.
It is noted that the at least one target second virtual resource may include all target second virtual resources of the supplemental resource determined in step 402. For example, the target financing product supplemented by the financing product A may be the financing product B2, and may also be the financing products B2 and B3.
403. The server determines the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource.
The converted number of the target second virtual resource of the preferred resource is the inventory information of the target second virtual resource of the preferred resource, that is, the number of the purchasable number of the target second virtual resource of the preferred resource.
The method for determining the number of converted copies of the target second virtual resource of the supplemental resource may include: and when the second current convertible value is greater than or equal to the first value, determining the ratio of the first value to the unit value of the target second virtual resource of the supplementary resource as the converted number of the target second virtual resource of the supplementary resource. And when the second current convertible value is smaller than the first value, the converted number of the second virtual resource with the lower priority is the inventory information of the second virtual resource with the lower priority. For example, the number of available procurement copies of the financial product B2 with the lower procurement priority is 100, the unit price of the financial product B2 is 50 yuan, when the current available procurement amount of the financial product B2 is greater than the first value, the number of available procurement copies of the financial product B2 is the ratio of the first value to the unit price of the financial product B2, that is, 1000/50 is 20 copies, and when the current available procurement amount of the financial product B2 is greater than the first value, the number of available procurement copies of the financial product B2 is 100 copies of the financial product B2.
It should be noted that, in the manner provided in steps 401 to 403, the preferred resource and the supplemental resource are determined, which can ensure that the inventory of the preferred resource can be preferentially emptied, and the supplemental resource is added to make up for the situation that the preferred resource does not meet the target value resource, so that the user can obtain the maximum benefit.
In addition, step 202 is an embodiment of determining at least one target second virtual resource and the number of converted copies of each target second virtual resource according to the target value resource, the conversion priorities, the unit values, and the inventory information of the plurality of second virtual resources, and in other possible implementations, as shown in fig. 5, the following implementations of steps 501 to 502 may be adopted instead.
501. The server obtains target value ratios among multiple target second virtual resources corresponding to the first virtual resource.
Wherein the target value ratio may be determined based on a unit profit margin of the plurality of target second virtual resources, and the higher the unit profit margin, the higher the target profit margin ratio. For example, a second financial product corresponding to a certain first financial product includes a financial product A, B, C, and the profit ratio of the financial product A, B, C is 2: 1: 2, the target value ratio of the financial product A, B, C may be 2: 1: 2.
502. and the server determines the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
Based on the target value proportion, target value resources corresponding to each target second virtual resource are obtained, for example, a user buys a schematic financing product of 1000 yuan, and a server of a trading platform can provide the user with the target value proportion of 2: 1: 2, purchasing a financing product A400 yuan, a financing product B200 yuan and a financing product C400 yuan. And determining the ratio of the target value resource corresponding to each target second virtual resource to the unit value as the conversion number of each target second virtual resource.
It should be noted that, in the manner provided in steps 501 to 502, based on the target value ratio, each target second virtual resource may be directly determined, and it is not necessary to sequentially compare and determine each target second virtual resource according to the priority order, which simplifies the determination process of each target second virtual resource and also makes the calculation of the user profit simpler.
All the above-mentioned optional technical solutions can be combined arbitrarily to form the optional embodiments of the present invention, and are not described herein again.
The invention is described with the virtual resource being a fund only, wherein the first virtual resource refers to a FOF fund and the second virtual resource refers to a plurality of other funds on which the FOF fund invests. FIG. 6 is a flowchart of a FOF fund procurement method provided by an embodiment of the invention, and the method comprises the following steps:
601. and the server receives the FOF fund subscription request sent by the user and carries out FOF fund transaction.
The FOF fund transfer method comprises the steps that a user initiates a FOF fund purchase request to a transaction platform server, purchase amount is transferred to a first account from a user account, the FOF fund of the server is transferred to the user account, and FOF fund transaction is completed.
602. The server determines a fund of which the current purchasable amount meets the purchasable amount of the FOF fund as a target fund from the other funds according to the purchasable amount of the FOF fund, the purchasable priority of the other funds invested in the FOF fund, the unit price and the inventory information and in the order of high to low of the purchasable priority; and determining the ratio of the subscription amount of the FOF fund to the unit price as the subscription number of the target fund.
Examples of data for the prioritization, unit price, and inventory information for various other funds of the FOF fund investment may be shown in Table 1, and various other funds of the FOF fund investment may include a fund A, B, C, D, the unit price being a bid price for a share of the fund in terms of dollars per share. The inventory information refers to the current number of purchasable shares of the other fund, in units of shares. The purchase-applying priorities of the other funds are determined based on the unit income of the other funds, the higher the unit income is, the higher the purchase-applying priority is, the unit income is in the form of percentage, the purchase-applying priority is in the form of positive integer, and the smaller the positive integer represents the higher the purchase-applying priority.
TABLE 1
| Fund product | Univalent (yuan/portion) | Inventory information (share) | Unit profit | Subscription priority |
| Fund A | 100 | 1 ten thousand | 3.5％ | 1 |
| Fund B | 200 | 2 ten thousand | 3％ | 2 |
| Fund C | 300 | 3 ten thousand | 2.5％ | 3 |
| Fund D | 100 | 2 ten thousand | 2％ | 4 |
In one possible implementation, when the subscription amount of the FOF fund is 50 ten thousand dollars, the process of determining the target fund and the number of subscription copies of the target fund according to the data in the table 1 may include: the fund a with the highest subscription priority is the fund a, the currently available subscription amount of the fund a is 100 × 1 ten thousand to 100 ten thousand yuan, and at this time, the currently available subscription amount of the fund a is larger than the subscription amount of the FOF fund, the fund a is taken as the target fund, and the subscription number of the target fund is 50 ten thousand/100 to 5000.
In another possible implementation, when the subscription amount of the FOF fund is 200 ten thousand yuan, the process of determining the target fund and the number of subscription copies of the target fund according to the data in the table 1 may include: the fund a with the highest subscription priority is the fund a, the current available subscription amount of the fund a is 100 × 1 ten thousand to 100 ten thousand yuan, the current available subscription amount of the fund a is smaller than the subscription amount of the FOF fund, the fund B with the lower subscription priority is found, the current available subscription amount of the fund B is 200 × 2 ten thousand to 400 ten thousand yuan, the current available subscription amount of the fund a is larger than the subscription amount of the FOF fund, the fund B is taken as the target fund, and the number of the subscription parts of the target fund is 200 ten thousand/200 × 1 ten thousand.
603. The server generates a transaction slip for the current transaction indicating the number of buys for the FOF fund and the number of buys for the at least one target fund.
In one possible implementation manner, the transaction sheet may be as shown in table 2, the merchant number is used to indicate the kinds of the FOF fund and the fund a, the purchase order number is used to mark the sequence of the transactions to facilitate the subsequent retrieval of the transactions, and the number of purchase orders is used to record the number of purchase orders of the FOF fund and the number of purchase orders of the at least one target fund, and the number of purchase orders is one.
TABLE 2
| Merchant number | Purchase order number | Number of purchased parts |
| FOF Merchant number | F00001 | 100 |
| Fund A Merchant number | A00001 | 100 |
604. At the time of settlement at the end of the day, the server settles the sum of the total buyout amount of the FOF fund and the buyout amount of each of the target funds based on all the transaction sheets generated at the day, and transfers the amount in the first account to the second account when the total buyout amount of the FOF fund and the sum of the buyout amounts of each of the target funds are equal.
605. The server will settle the purchase payment amount of each target fund based on all the trade orders generated on the same day, and transfer the purchase payment amount of each target fund from the second account to the account corresponding to each target fund.
606. And when the first subscription amount is equal to the second subscription amount, transferring the amount in the account corresponding to each target fund into the company account corresponding to each target fund.
The FOF fund subscription method provided in the steps 601 to 606 acquires the FOF fund transaction information of a user, determines the target fund and the corresponding number of the subscription shares, generates a transaction sheet, checks the subscription amount based on the transaction sheet, and transfers the subscription amount of each target fund to the account corresponding to the target fund.
Fig. 7 is a schematic structural diagram of a virtual resource obtaining apparatus according to an embodiment of the present invention. Referring to fig. 7, the apparatus includes:
an obtaining module 701, configured to obtain first virtual resource transaction information of a user, where the first virtual resource transaction information is used to instruct the user to purchase a first number of first virtual resources through a target value resource;
a determining module 702, configured to determine at least one target second virtual resource and the number of converted copies of each target second virtual resource according to the target value resource, the conversion priorities, the unit values, and the inventory information of the multiple second virtual resources;
a transferring module 703, configured to perform resource transfer on the target value resource to an account corresponding to the at least one target second virtual resource according to the number of converted copies and the unit value of each target second virtual resource, so as to obtain the target second virtual resources corresponding to the number of converted copies.
In one possible implementation, the conversion priority of the plurality of second virtual resources is determined based on a unit profit of the plurality of second virtual resources, and the higher the unit profit, the higher the conversion priority.
In one possible implementation, the apparatus further includes: a first determining module, configured to determine, according to the target value resource, the conversion priorities of the plurality of second virtual resources, the unit value, and the inventory information, a second virtual resource, from the plurality of second virtual resources, whose current convertible value satisfies the target value resource in an order from high to low of the conversion priorities, as the target second virtual resource; and determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
In one possible implementation, the apparatus further includes: a second determining module, configured to determine, from the multiple second virtual resources, a target second virtual resource, where a second virtual resource whose current convertible value cannot satisfy the target value resource and whose inventory information is not 0 is a preferred resource, according to the target value resource, the conversion priority, the unit value, and the inventory information of the multiple second virtual resources; determining at least one target second virtual resource as a supplementary resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; and respectively determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource.
In one possible implementation, the apparatus further includes: a third determining module, configured to obtain a target value ratio among multiple target second virtual resources corresponding to the first virtual resource; and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
In one possible implementation, the apparatus further includes: a resource transfer module for generating a transaction order for a current transaction, the transaction order being indicative of the first number of copies of the first virtual resource and the number of converted copies of the at least one target second virtual resource; respectively determining the converted value resource of each target second virtual resource every other preset time according to the transaction order of which the transaction is completed within the preset time, and checking whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same or not; and transferring the converted value resource of each target second virtual resource to an account corresponding to the target second virtual resource.
It should be noted that: the apparatus for acquiring virtual resources provided in the foregoing embodiment, when acquiring virtual resources, is only illustrated by the division of the functional modules, and in practical applications, the function allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the functions described above. In addition, the apparatus for acquiring virtual resources provided in the foregoing embodiments and the method embodiment for acquiring virtual resources belong to the same concept, and specific implementation processes thereof are detailed in the method embodiment and are not described herein again.
Fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 800 may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 801 and one or more memories 802, where the one or more memories 802 store at least one instruction, and the at least one instruction is loaded and executed by the one or more processors 801 to implement the methods provided by the foregoing method embodiments. Of course, the server 800 may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input and output, and the server 800 may also include other components for implementing the functions of the device, which are not described herein again.
In an exemplary embodiment, a computer-readable storage medium, such as a memory, including instructions executable by a processor to perform the virtual resource acquisition method in the above embodiments is also provided. For example, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, and the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only exemplary of the present invention and should not be taken as limiting the invention, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A virtual resource acquisition method, the method comprising:
acquiring first virtual resource transaction information of a user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of first virtual resources through a target value resource;
determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resource, the conversion priority of the plurality of second virtual resources, the unit value and the inventory information;
and respectively transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number and the unit value of each target second virtual resource to obtain the target second virtual resources corresponding to the conversion number.
2. The method of claim 1, wherein the conversion priorities of the plurality of second virtual resources are determined based on a per-unit-profit margin of the plurality of second virtual resources, and wherein the higher the per-unit-profit margin, the higher the conversion priorities.
3. The method of claim 1, wherein determining at least one target second virtual resource and the number of conversions to each target second virtual resource based on the target value resource, the conversion priority, the unit value, and the inventory information for the plurality of second virtual resources comprises:
according to the target value resource, the conversion priorities of the plurality of second virtual resources, the unit value and the inventory information, determining a second virtual resource of which the current convertible value meets the target value resource as the target second virtual resource from the plurality of second virtual resources according to the sequence from high to low of the conversion priorities;
and determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
4. The method of claim 1, wherein determining at least one target second virtual resource and the number of conversions to each target second virtual resource based on the target value resource, the conversion priority, the unit value, and the inventory information for the plurality of second virtual resources comprises:
according to the target value resource, the conversion priority, the unit value and the inventory information of the plurality of second virtual resources, determining a second virtual resource, which can not meet the target value resource at present and has the inventory information of not 0, as the target second virtual resource of the preferred resource from the plurality of second virtual resources;
determining at least one target second virtual resource as a supplementary resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource;
and respectively determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource.
5. The method of claim 1, wherein after obtaining first virtual resource transaction information of a user, the first virtual resource transaction information indicating that the user purchased a first number of copies of a first virtual resource via a target value resource, the method further comprises:
obtaining target value ratios among multiple target second virtual resources corresponding to the first virtual resource;
and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
6. The method according to claim 1, wherein the resource transferring the target value resource to the account corresponding to the at least one target second virtual resource according to the converted number of copies and the unit value of each target second virtual resource comprises:
generating a transaction order for a current transaction, the transaction order indicating the first number of copies of the first virtual resource and the converted number of copies of the at least one target second virtual resource;
respectively determining the converted value resource of each target second virtual resource every other preset time according to a transaction list of which the transaction is completed within the preset time, and checking whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same or not;
and transferring the converted value resource of each target second virtual resource to an account corresponding to the target second virtual resource.
7. An apparatus for virtual resource acquisition, the apparatus comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring first virtual resource transaction information of a user, and the first virtual resource transaction information is used for indicating the user to purchase a first number of first virtual resources through a target value resource;
the determining module is used for determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resource, the conversion priority of the multiple second virtual resources, the unit value and the inventory information;
and the transfer module is used for respectively transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number and the unit value of each target second virtual resource so as to obtain the target second virtual resources corresponding to the conversion number.
8. The apparatus of claim 7, wherein the conversion priority of the second plurality of virtual resources is determined based on a per-unit-profit of the second plurality of virtual resources, and wherein the higher the per-unit-profit, the higher the conversion priority.
9. A server, comprising one or more processors and one or more memories having stored therein at least one program code, the at least one program code loaded and executed by the one or more processors to implement the virtual resource acquisition method of any one of claims 1 to 6.
10. A computer-readable storage medium having stored therein at least one program code, the at least one program code being loaded and executed by a processor to implement the virtual resource acquisition method of any one of claims 1 to 6.
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