CN115345723A

CN115345723A - Resource management method, device, computing equipment and storage medium

Info

Publication number: CN115345723A
Application number: CN202110516078.9A
Authority: CN
Inventors: 吴建国
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2021-05-12
Filing date: 2021-05-12
Publication date: 2022-11-15

Abstract

A resource management method and apparatus, a computing device, and a storage medium are disclosed. The resource management method comprises the following steps: acquiring the quantity of a first attribute resource in a first account; determining the quantity of resources to be transferred in the first account according to the quantity of the first attribute resources in the first account and a preset first threshold value; transferring a first attribute resource of the quantity of the resource to be transferred in a first account to a second account in response to the resource transfer condition being met, wherein the resource transfer condition comprises that the quantity of the resource to be transferred is greater than zero and less than or equal to a preset first threshold value; and in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account, converting at least one part of the first attribute resource in the second account into the second attribute resource.

Description

Resource management method, device, computing equipment and storage medium

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a resource management method and apparatus, a computing device, and a computer-readable storage medium.

Background

With the development of computer technology and internet technology, the management of account resources by using terminal computing devices such as notebook computers, tablet computers and mobile phones is becoming popular, and various types of accounts (e.g. bank savings accounts, financial accounts, game accounts, weChat accounts, etc.) and corresponding account resources (cash, virtual money, stocks, funds, etc.) are coming out endlessly, and the operation and processing of account resources (e.g. resource transfer such as transfer, payment, remittance, or resource attribute change such as purchase and redemption of funds in financial accounts, etc.) by users becomes more and more frequent and convenient.

Due to resource transfer and attribute change, a scattered resource is inevitably generated in the account. For example, in a fund or stock exchange account, when a user redeems a fund or discards a stock cover, there is a high probability of loose cash in the account after the user has covered because the net value of the fund and the price of the stock are changing in real time. Alternatively, when a user consumes using a bank card or other stored value card, for example, there is inevitably a small piece of cash in the account due to cash disbursement, return, cash back, etc. These loose cash is often ignored by the user due to the small amount of money, and remains in the account for a long time. However, due to the frequent operations or processes for resources and the increase of the number of user accounts, the scattered amounts of the multiple resource operations of the user generated on the multiple accounts are accumulated, which inevitably causes considerable resource idleness, and results in low resource utilization rate and even serious resource dereferencing. For the problem of resource idling, in the related art, a user can only manually manage scattered resources in an account. When the number of accounts is large and resource processing frequently occurs, a user cannot manage scattered resources generated by each account respectively, and operation complexity and low service processing efficiency are caused.

Disclosure of Invention

The present disclosure provides a resource management method and apparatus, a computing device, and a computer-readable storage medium, which desirably may alleviate, or even eliminate some or all of the above-mentioned problems and other possible problems.

According to an aspect of the present disclosure, a resource management method is provided, including: acquiring the quantity of a first attribute resource in a first account; determining the quantity of resources to be transferred in the first attribute resources of the first account according to the quantity of the first attribute resources in the first account and a preset first threshold value; transferring a first attribute resource of the quantity of the resource to be transferred in a first account to a second account in response to the resource transfer condition being met, wherein the resource transfer condition comprises that the quantity of the resource to be transferred is greater than zero and less than or equal to a preset first threshold value; and in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account, converting at least one part of the first attribute resource in the second account into a second attribute resource.

In the resource management method according to some embodiments of the present disclosure, determining, according to the number of the first attribute resources in the first account and a preset first threshold, the number of resources to be transferred in the first attribute resources of the first account includes: determining the quantity of the resources to be transferred according to the following formula: b = X-Int (X/M) × M, where B represents the number of resources to be transferred, X represents the number of first attribute resources in the first account, M represents a preset first threshold value, and Int () represents a rounding function.

In the resource management method according to some embodiments of the present disclosure, the resource transfer condition further includes: the number of the resources to be transferred is greater than or equal to a preset second threshold value, wherein the preset second threshold value is less than or equal to the preset first threshold value.

In the resource management method according to some embodiments of the present disclosure, in response to transferring a first attribute resource of an amount of a resource to be transferred in a first account to a second account, converting at least a portion of the first attribute resource in the second account into a second attribute resource, including: and in response to transferring the first attribute resource of the quantity of the resource to be transferred in the first account to the second account, converting the first attribute resource of the quantity of the resource to be transferred in the second account into the second attribute resource.

In the resource management method according to some embodiments of the present disclosure, in response to transferring a first attribute resource of an amount of a resource to be transferred in a first account to a second account, converting at least a part of the first attribute resource in the second account into a second attribute resource, includes: in response to transferring the first attribute resource with the quantity of the resource to be transferred in the first account to the second account, updating the total quantity of the first attribute resource in the second account; and converting at least one part of the first attribute resource in the second account into a second attribute resource in response to the total amount of the first attribute resource in the second account being greater than or equal to a preset third threshold value.

In the resource management method according to some embodiments of the present disclosure, the second attribute resource includes a first resource and a second resource, and wherein, in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account, converting at least a portion of the first attribute resource in the second account into the second attribute resource includes: responding to the transfer of the first attribute resource of the quantity of the resource to be transferred in the first account to the second account, and converting the first attribute resource of the quantity of the resource to be transferred in the second account into the first resource; in response to the first attribute resource of the quantity of the resource to be transferred in the second account being converted into the first resource, updating the quantity of the first resource in the second account; in response to the number of updated first resources in the second account being greater than or equal to a preset fourth threshold, converting at least a portion of the first resources in the second account to second resources.

In a resource management method according to some embodiments of the present disclosure, acquiring the amount of the first attribute resource in the first account includes: monitoring resource processing events in a first account in real time; and responding to the occurrence of the resource processing event in the first account, and acquiring the quantity of the first attribute resource in the first account.

In a resource management method according to some embodiments of the present disclosure, acquiring the amount of the first attribute resource in the first account includes: monitoring a resource processing event in a first account in real time; in response to a resource handling event occurring in the first account, presenting a user with a prompt option regarding allowing for scattered resource management; acquiring user operation aiming at the prompt option; and responding to the user operation for selecting the prompt option, and acquiring the quantity of the first attribute resource in the first account.

In a resource management method according to some embodiments of the present disclosure, the resource handling event includes at least one of a resource transfer event and a resource change event.

In a resource management method according to some embodiments of the present disclosure, prior to obtaining the amount of the first property resource for the first account, the method further comprises: presenting a user with a prompt option to allow for scattered resource management; acquiring user operation aiming at the prompt option; determining whether the second account exists or not in response to the user operation selecting the prompt option; in response to the absence of the second account, setting resource configuration parameters in the second account, the resource configuration parameters including at least one of: the preset first threshold value, the locking time of a second attribute resource in a second account, and the category and the name of the second attribute resource; and creating the second account according to the resource configuration parameters.

In the resource management method according to some embodiments of the present disclosure, obtaining the amount of the first property resource in the first account includes: receiving a resource management request for a first account from a terminal device; and responding to the resource management request, and acquiring the quantity of the first attribute resource in the first account.

In a resource management method according to some embodiments of the present disclosure, the first account includes at least one of a financial account and a non-financial account, and the second account includes a financial account.

In the resource management method according to some embodiments of the present disclosure, the financial account includes at least one of a fund transaction account, a stock transaction account, and a futures transaction account.

In a resource management method according to some embodiments of the present disclosure, the first attributed resource includes cash, and the second attributed resource includes at least one of funds, bonds, stocks, futures.

According to another aspect of the present disclosure, a resource management apparatus is provided, including: a first account management module configured to obtain an amount of a first property resource in a first account; the resource management module is configured to determine the quantity of the resources to be transferred in the first attribute resources of the first account according to the quantity of the first attribute resources in the first account and a preset first threshold value; a second account management module configured to transfer the first attribute resource of the amount of the resource to be transferred in the first account to the second account and convert at least a portion of the first attribute resource in the second account to a second attribute resource in response to a resource transfer condition being satisfied, wherein the resource transfer condition includes that the amount of the resource to be transferred is greater than zero and less than or equal to a first threshold.

According to another aspect of the disclosure, a computing device is presented, comprising: a memory and a processor, wherein the memory has stored therein a computer program that, when executed by the processor, causes the processor to perform the steps of a resource management method according to some embodiments of the present disclosure.

According to another aspect of the present disclosure, a computer-readable storage medium is presented, having computer-readable instructions stored thereon, which, when executed, implement a resource management method according to some embodiments of the present disclosure.

According to another aspect of the present disclosure, a computer program product is presented, comprising a computer program carried on a computer readable medium, the computer program containing program code for performing at least one step of a resource management method according to some embodiments of the present disclosure.

Embodiments of the present disclosure provide various advantages. In the resource management method according to some embodiments of the present disclosure, because the loose resources that may be idle are automatically calculated based on the number of the first attribute resources (i.e., the account balance) in the first account(s) and the preset first threshold, and the idle loose resources (i.e., the first attribute resources to be transferred) in the calculated first account are automatically and uniformly transferred or stored in the second account dedicated to processing the idle resources, the uniform automatic management of the loose resources in each account of the user can be realized, the tedious operations and the excessive consumption of network resources caused by manual management of the loose resources in each account are avoided, the resource management complexity is reduced, the service processing efficiency is improved, the network resources are saved, and the network resource scheduling is optimized. In the resource management method according to some embodiments of the present disclosure, by performing attribute change on the idle scattered resources transferred from one or more first accounts in the second account, the idle scattered resources can be fully utilized to perform investment and financial management, so as to achieve value preservation and value increase of the resources.

Drawings

Various aspects, features and advantages of the disclosure will become more readily apparent from the following detailed description and the accompanying drawings in which:

FIG. 1 schematically illustrates an example implementation environment of a resource management method according to some embodiments of the present disclosure;

FIG. 2 schematically illustrates an example interaction flow diagram implemented in the example implementation environment of FIG. 1 by a resource management method according to some embodiments of the present disclosure;

FIG. 3 schematically illustrates a flow diagram of a resource management method according to some embodiments of the present disclosure;

FIG. 4 schematically illustrates a flow diagram of a resource management method according to some embodiments of the present disclosure;

FIG. 5 schematically illustrates a flow diagram of a resource management method according to some embodiments of the present disclosure;

FIG. 6 schematically illustrates an interaction flow between entities in an example application scenario of a resource management method according to some embodiments of the present disclosure;

7A-7F respectively schematically illustrate example interfaces involved in an example application scenario of the resource management method of some embodiments of the present disclosure shown in FIG. 6;

FIG. 8 schematically illustrates a block diagram of an arrangement of resource management devices according to some embodiments of the present disclosure; and

FIG. 9 schematically illustrates a block diagram of a computing device, in accordance with some embodiments of the present disclosure.

It should be noted that the figures are merely schematic and illustrative and are not necessarily drawn to scale.

Detailed Description

Several embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings in order to enable those skilled in the art to practice the disclosure. The present disclosure may be embodied in many different forms and purposes and should not be construed as limited to the embodiments set forth herein. These embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art. The embodiments do not limit the disclosure.

It will be understood that, although the terms first, second, third, etc. may be used herein to describe various elements, components and/or sections, these elements, components and/or sections should not be limited by these terms. These terms are only used to distinguish one element, component or section from another element, component or section. Thus, a first element, component, or section discussed below could be termed a second element, component, or section without departing from the teachings of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes any and all combinations of one or more of the associated listed items.

Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this disclosure belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the relevant art and/or the present specification and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.

Before describing embodiments of the present disclosure in detail, some relevant concepts are first explained for the sake of clarity.

1. Resources

In the field of computer technology, resources generally refer to virtual resources corresponding to physical resources in the real world, such as storage space, computing power, monetary assets for network transactions, and virtual currencies such as Q-coins, game tickets, etc. purchased by users. In the application scenario of investment financing, the resources may include cash assets in a financing account (including bank accounts), financing product resources (such as funds, stocks, bonds, futures), and so on.

2. First attribute resource and second attribute resource

Herein, a first attribute resource may refer to a resource of relatively stable value, such as a cash resource, a virtual currency, and the like; the second attribute resource may refer to a resource whose value changes over time, such as a financial product resource capable of generating a benefit, such as a stock, fund, future, and the like. The first attribute resource and the second attribute resource can be mutually converted under certain conditions, namely the first attribute resource and the second attribute resource can be mutually converted through attribute change, for example, when a fund is purchased, cash of the first attribute is changed into fund of the second attribute; and redeems the fund, the fund of the second attribute becomes cash of the first attribute.

3. Resource handling events for accounts

The resource handling event of the account refers to an operation which is executed for the account resource and relates to the change of the account first attribute resource quantity, such as but not limited to: resource transfer events, such as transfer payout events (spending payout), transfer income events, etc. (cash remittance), resource change or conversion events, such as a first attribute resource change or conversion to a second attribute resource or a second attribute change or conversion to a first attribute resource.

In order to solve the problems of idle loose or scattered cash resources and low resource utilization rate, the present disclosure provides a resource management method, which collects and transfers easily ignored scattered resources in one or more accounts (i.e., first accounts) to a dedicated account (i.e., second account) to perform unified management on the scattered resources, thereby implementing automatic management and full utilization of the scattered idle resources, and implementing value-keeping and value-added of the scattered resources by performing resource attribute conversion in the second account.

FIG. 1 schematically illustrates an example implementation environment, namely a resource management system 100, in accordance with some embodiments of the present disclosure. The various methods described herein may be implemented in the resource management system 100. As shown in fig. 1, the resource management system 100 includes a first account management server 110, a resource management server 120, and a second account management server 130, and optionally includes a network 140 and one or more terminal devices 150.

The first account management server 110, the resource management server 120, and the second account management server 130 may store and execute instructions that may perform the various methods described herein, which may each be a single server or a cluster of servers, or may be a cloud server or a cluster of cloud servers capable of providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, web services, cloud communications, middleware services, domain name services, security services, CDNs, and big data and artificial intelligence platforms; or any two or three of them may be the same server or the same cluster of servers or a cloud server or a cluster of cloud servers. It should be understood that the servers referred to herein are typically server computers having a large amount of memory and processor resources, but other embodiments are possible.

Examples of network 140 include a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), and/or a combination of communication networks such as the Internet. Each of the first account management server 110, the resource management server 120, the second account management server 130, and the one or more terminal devices 150 may include at least one communication interface (not shown) capable of communicating over the network 140. Such communication interfaces may be one or more of the following: any type of network interface (e.g., a Network Interface Card (NIC)), wired or wireless (such as IEEE 802.11 Wireless LAN (WLAN)) wireless interface, worldwide interoperability for microwave Access (Wi-MAX) interface, ethernet interface, universal Serial Bus (USB)Interface, cellular network interface, bluetooth ^TM An interface, a Near Field Communication (NFC) interface, etc.

The terminal device 150 may be any type of mobile computing device, including a mobile computer (e.g., microsoft Surface devices, personal Digital Assistants (PDAs), laptop computers, notebook computers, such as Apple iPad @ ^TM Tablet computer, netbook, etc.), a mobile phone (e.g., a cellular phone, a smart phone such as Microsoft Windows telephone, apple iPhone, google ® enabled ® Android @ ^TM Operating system's phone, palm device, black berry device etc.), wearable computing device (for example intelligent watch, head-mounted device, including intelligent glasses, if Google Glass ^TM Etc.) or other types of mobile devices. In some embodiments, terminal device 150 may also be a stationary computing device, such as a desktop computer, a gaming console, a smart television, and so forth. Further, where the resource management system 100 includes multiple terminal devices 150, the multiple terminal devices 150 may be the same or different types of computing devices.

As shown in fig. 1, terminal device 150 may include a display screen 151 and a terminal application 152 that may interact with a terminal user via display screen 151. The terminal device 150 may interact with, e.g., send data to or receive data from, one or more of the first account management server 110, the resource management server 120, and the second account management server 130, e.g., via the network 140. The terminal application 152 may be a native application, a Web page (Web) application, or an applet (LiteApp, e.g., a cell phone applet, a WeChat applet) that is a lightweight application. In the case where the terminal application 152 is a local application that needs to be installed, the terminal application 152 may be installed in the user terminal 150. In the case where the terminal application 152 is a Web application, the terminal application 152 can be accessed through a browser. In the case where the terminal application 152 is an applet, the terminal application 152 may be directly opened on the user terminal 150 by searching related information of the terminal application 152 (such as a name of the terminal application 152, etc.), scanning a graphic code of the terminal application 152 (such as a barcode, a two-dimensional code, etc.), and the like, without installing the terminal application 152.

In some embodiments, the system 100 shown in fig. 1 may be a distributed system composed of terminal devices and server clusters, which may constitute, for example, a blockchain system. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. The blockchain is essentially a decentralized database, which is a string of data blocks associated by using cryptography, each data block contains information of a batch of network transactions, and the information is used for verifying the validity (anti-counterfeiting) of the information and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.

The block chain underlying platform can comprise processing modules such as user management, basic service, intelligent contract and operation monitoring. The user management module is responsible for identity information management of all blockchain participants, and comprises public and private key generation maintenance (account management), key management, user real identity and blockchain address corresponding relation maintenance (authority management) and the like, and under the authorization condition, the user management module supervises and audits the transaction condition of certain real identities and provides rule configuration (wind control audit) of risk control; the basic service module is deployed on all block chain node equipment and used for verifying the validity of the service request, recording the service request to storage after consensus on the valid request is completed, for a new service request, the basic service firstly performs interface adaptation analysis and authentication processing (interface adaptation), then encrypts service information (consensus management) through a consensus algorithm, transmits the service information to a shared account (network communication) completely and consistently after encryption, and performs recording and storage; the intelligent contract module is responsible for registering and issuing contracts, triggering the contracts and executing the contracts, developers can define contract logics through a certain programming language, issue the contract logics to a block chain (contract registration), call keys or other event triggering and executing according to the logics of contract clauses, complete the contract logics and simultaneously provide the function of upgrading and canceling the contracts; the operation monitoring module is mainly responsible for deployment, configuration modification, contract setting, cloud adaptation in the product release process, and visual output of real-time status in product operation, for example: alarm, monitoring network conditions, monitoring node equipment health status, and the like.

The platform product service layer provides basic capability and an implementation framework of typical application, and developers can complete block chain implementation of business logic based on the basic capability and the characteristics of the superposed business. The application service layer provides the application service based on the block chain scheme to the business participants for use.

FIG. 2 illustrates an example interaction flow diagram for the resource management system 100, according to some embodiments of the present disclosure. The working principle of the resource management system 100 is briefly described below with reference to an example interaction flow diagram shown in fig. 2.

In the resource management system 100 shown in FIG. 2, the first account management server 110 is configured to obtain an amount of the first property resource in the first account. As shown in fig. 2, the first account management server 110 may trigger the implementation process of the resource management method according to some embodiments of the present disclosure by triggering the action of acquiring the amount information of the first attribute resource of the first account: the resource handling event (e.g. the subscription or redemption of funds) performed by the user on the first account at the terminal device 150 is monitored in real time. In this way, in response to the user performing a resource handling event, the resource management system 100 may initiate a resource management process, i.e., first obtain information of the amount of the first property resource of the user's first account. Optionally, the first account management server 110 may also trigger the resource management process by receiving a resource management request of the user from the terminal device 150, that is, in response to the resource management request of the user received from the terminal device 150, obtain the amount information of the first attribute resource in the first account. In some embodiments, the first attribute resource amount information in the first account acquired by the first account management server 110 may be subjected to appropriate data processing to form a user information data stream, and the user information data stream is written into a transfer message queue, which may be read by other servers or other devices.

In the resource management system 100 shown in fig. 2, the resource management server 120 is configured to determine the amount of the resource to be transferred in the first account according to the amount of the first attribute resource in the first account and a preset first threshold value. For example, as shown in fig. 2, the resource management server 120 may receive the amount information data of the first property resource of the first account or the request data stream including the amount information of the first property resource of the first account directly from the first account management server 110; alternatively, the resource management server 120 may read the data flow of the quantity information of the first attribute resource of the first account from the transfer message queue to obtain the quantity information of the first attribute resource of the first account. Also, the resource management server 120 may obtain the preset first threshold from data stored in a database or other separate database therein.

In the resource management system 100 shown in fig. 2, the second account management server 130 is configured to transfer the first attribute resource of the amount of the resource to be transferred in the first account to the second account and convert at least a portion of the first attribute resource in the second account into the second attribute resource in response to the resource transfer condition being satisfied, wherein the resource transfer condition includes that the amount of the resource to be transferred is greater than zero and less than or equal to the first threshold. In some embodiments, as shown in fig. 2, the second account management server 130 may receive information about the amount of resources to be transferred in the first account from the resource management server 120, and implement the transfer of the scattered (i.e., to-be-transferred) first attribute resources in the first account to the second account and the change of the attribute in response to that the amount of resources to be transferred satisfies the resource transfer condition (i.e., that the amount of resources to be transferred is greater than zero and less than or equal to the first threshold). Alternatively, the second account management server 130 may return prompt information about the completion of the scattered resource processing to the terminal device after the resource transfer and the attribute change are completed, so that the user can know the resource processing result.

It should be understood that although the first account management server 110, the resource management server 120, and the second account management server 130 are shown and described herein as separate structures from the terminal device 150, they may be different components of the same computing device, wherein the first account management server 110, the resource management server 120, and the second account management server 130 may provide background computing functionality, while the terminal device 150 may provide foreground functionality for interacting with a user, such as receiving user input and providing output to the user through a terminal application. Specifically, in some embodiments, as shown in fig. 2, the terminal device 150 may send resource processing event information, which is executed by the user on the first account resource, to the first account management server 110 to implement monitoring between resource processing by the account management server 110; or a resource management request (not shown) actively made by the user, and sent to the first account management server 110 through the terminal device 150 to trigger the resource management process; terminal device 150 may also present resource management processes and results, etc., such as prompts, resource configuration parameter options, etc., to the user.

FIG. 3 schematically illustrates a flow chart of a method of resource management according to some embodiments of the present disclosure. In some embodiments, the resource management methods according to the present disclosure may be performed on the server side (e.g.,

servers

110, 120, and 130 shown in fig. 1 and 2). Alternatively, in some embodiments, where a terminal device (e.g., terminal device 150 shown in fig. 1 and 2) has sufficient computing resources and computing capabilities, the resource management method according to the present disclosure may be performed directly on the terminal device. In other embodiments, the resource management method according to the present disclosure may also be performed by a server and a terminal device in combination.

As shown in fig. 3, a resource management method according to some embodiments of the present disclosure may include steps S310-S340.

In step S310, the amount of the first attribute resource in the first account is obtained.

According to the concept of the present disclosure, in order to fully utilize the idle scattered resources, the amount of the first attribute resources in the first account must be obtained first, and then the scattered resources therein are processed accordingly. In some embodiments, the first account may be various types of accounts for managing resources including, but not limited to, financial accounts and non-financial accounts. The financing account can be a general term of bank account, security transaction account (A stock, B stock, H stock, financing and voucher business, etc.), fund account, futures transaction account (including commodity futures, stock refers to futures and foreign exchange futures transaction), is suitable for individuals or enterprises with demands on investment and financing, and is various accounts capable of achieving the goal of value-added guarantee through the operation of funds or securities. Non-financial accounts may include, for example, gaming accounts (e.g., for storing virtual currency), network paymate accounts, and the like.

In some embodiments, the resources in the first account include at least a first attribute resource and optionally a second attribute resource. The first attribute resource may be a resource of relatively stable value, such as a cash resource, virtual currency, or the like; the second attribute resource may be a resource whose value changes over time, such as a financial product resource that can generate revenue (or value added), such as stocks, funds, futures, and so on. For example, when the first account is a bank demand account, it typically contains only the first attribute resource, namely a cash resource; the value of the funds in the account is relatively constant at this time because bank interest rates are generally low and negligible. As another example, when the first account is a fund account, the account resources may generally include both first attributed resources (e.g., cash resources) and second attributed resources (fund resources), where the cash resource value generally does not change over time (or only equates to a banked interest rate return); the net value of the fund changes along with market fluctuation of the investment products so as to realize resource appreciation.

The first account may be one account or multiple accounts (or include at least two sub-accounts), that is, the first attribute resources of multiple accounts of the same user may be acquired simultaneously to obtain scattered resources in the accounts, so as to achieve full utilization of the first attribute resources. Therefore, the scattered resources of the plurality of different accounts can be collected into the second account special for scattered resource management, and compared with the management of the scattered resources in the plurality of accounts, the processing or management efficiency of the scattered resources can be greatly improved.

In step S320, the amount of the resource to be transferred in the first account is determined according to the amount of the first attribute resource in the first account and a preset first threshold.

According to the concept of the present disclosure, in order to fully utilize the idle or scattered resources, the specific amount of the scattered resources needs to be determined after the amount of the first attribute resources of the first account is acquired; it is then transferred to a second account dedicated to managing the scattered resources to effect a change of the attributes of the resources by an operation such as the purchase of a financing product, i.e. the change of the first attribute to the second attribute, thereby achieving a value-added guarantee of these scattered resources. Therefore, in this context, the resources to be transferred in step S320 are the scattered resources to be managed by the second account.

In some embodiments, the second account may be an account dedicated to managing the first attributed sporadic resources, including, but not limited to, various financial accounts capable of generating investment returns, such as stock trading accounts, fund trading accounts, futures trading accounts, and the like. Optionally, the second account may also include other accounts capable of generating revenue, such as gaming accounts (e.g., for storing virtual currency), network payment platform accounts, and the like. In general, the second account may generally include both the first attribute resource and the second attribute resource, and the two attribute resources may be changed or converted from each other in the second account. Taking a stock trading account as an example, cash (a first attribute resource) is converted into stock (a second attribute resource) when buying the stock; when selling stocks, the stocks are converted to cash.

In some embodiments, the first account and the second account may both be accounts that are logged in on the client (e.g., app) through the terminal device, and both accounts may be visible or invisible (i.e., transparent) to a user of the terminal device (i.e., the user).

The determination of the number of resources to be transferred or scattered resources may be performed in various ways. For example, the total amount of the first attribute resources in the first account may be directly used as the scattered resources or the amount of the resources to be transferred, or a part of the total amount of the first attribute resources may also be used as the scattered resources. Generally, when a user manually processes account resources, the user usually does not like processing related to change for convenience of operation, for example, the amount of money in transferring money is usually an integral multiple of 100, for example, so that the amount of money except the integral multiple of 100 in the total balance in the account can be regarded as change, namely, loose resources. For example, if there is 1005.55 dollars in the first account, then 5.55 dollars in the first account are change, which is generally inconvenient for the user to handle and easily ignored by the user. Thus, the stray resources in the first account are typically a portion of the total amount of the first attribute resources, and how such stray resources are determined is described below.

When a part of the first attribute resources in the first account is used as idle or scattered resources, as described in step S320, the scattered resources may be determined according to a first predetermined threshold. The first threshold obviously cannot exceed the total amount of the first attribute resource in the first account, and the specific value thereof may be preset according to specific situations.

For example, when the first attribute resource in the first account is a cash asset, the loose resource may be change in the cash asset. For example, if the amount of the cash asset in the first account is 1005.55 dollars, 5.55 dollars or 0.55 dollars thereof can be considered as "change" thereof. In other words, the change in a certain cash amount is compared with a preset upper threshold, for example, in 1005.55 yuan, when 10 yuan is used as the threshold, 5.55 yuan less than 10 yuan is the change, because 1005.55-10 × 10=5.55; with 1-dollar as a threshold, 0.55-dollars less than 1-dollar are change, since 1005.55-1 × 1005=0.55; when the threshold value is 100 yuan, 5.55 yuan, which is less than 100 yuan, is change, because 1005.55-100 x 10=5.55 etc.

In some embodiments, according to the above rule, determining the amount of the scattered resources or the resources to be transferred in the first account may be determined according to the following formula:

B=X-Int（X/M）*M，（1）

where B represents the number of scattered resources or resources to be transferred, X represents the number of first attribute resources, M represents a first threshold, and Int () represents a rounding function.

For example, when the first attribute resource quantity M is 1005.55 and the preset first threshold value X is 10, the change B =1005.55-Int (1005.55/10) =10 =1005.55-100 × 10=5.55 according to formula (1), which is the same as the above example.

The first threshold M in equation (1) may be preset and may range from (0,x), for example, M may be set to an integer power of 10, i.e., 0.1, 1, 10, 100, 1000, etc., within the range of (0,x), according to the general concept of "change", and alternatively M may be set to any positive integer, even any positive number less than X.

It should be noted that the value range of B calculated according to the formula (1) is [0, x ]. When 0-n and X-n are formed, B = X, that is, when the number of the first attribute resources is smaller than a first threshold value, the number of the resources to be transferred is exactly equal to the total number of the first attribute resources; when X is an integer multiple of M (including X = 0), B =0, that is, when the number of the first attribute resources is an integer multiple of the first threshold value, the number of the resources to be transferred is zero, that is, there is no resource to be transferred or a scattered resource in the first account.

Besides the formula (1), the amount of the resource to be transferred in the first attribute resource in the first account may be determined in other manners. For example, the amount of the resource to be transferred in the first account may be determined according to a preset first threshold, the amount of the first attribute resource existing in the second account, and a first attribute resource amount range required in the subsequent attribute change operation. Optionally, the amount of the resource to be transferred in the first account is randomly determined with the first threshold as an upper limit or a lower limit.

At step S330, in response to the resource transfer condition being satisfied, the first attribute resource of the amount of the resource to be transferred in the first account is transferred to the second account. The resource transfer condition comprises that the quantity of the resources to be transferred is larger than zero and smaller than or equal to a first threshold value.

According to the concept of the present disclosure, after determining the amount of the resource to be transferred in the first account, it needs to be determined whether the resource transfer condition is satisfied, and then the resource is transferred to the second account if the condition is satisfied.

In some embodiments, as described in S330, the resource transfer condition may be that the number of resources to be transferred is greater than zero and less than or equal to the first threshold, i.e., the number of resources to be transferred determined in step S320 cannot be zero and needs to be less than or equal to the first threshold as an upper limit. When the quantity to be transferred is zero, it is indicated that no scattered resources needing to be transferred exist in the first account, so that resource transfer and scattered resource management are not needed; and the number of resources to be transferred is less than or equal to the first threshold, it is reflected that the amount of resources to be transferred and further processed should exhibit the property of "scattered" resources, i.e. small amounts of resources that are easily ignored by the user.

In some embodiments, as described above, the number of resources to be transferred B calculated according to equation (1) obviously satisfies B < = M, but does not necessarily satisfy B >0, since when X = NM, N is an integer, B =0. Therefore, when judging whether the number of the resources to be transferred meets the resource transfer condition, the number of the resources to be transferred obtained according to the formula (1) is only required to be judged whether to be equal to zero, if B =0, the condition is not met, otherwise, the condition is met.

In some embodiments, the resource transfer condition may further comprise: the number of the resources to be transferred is greater than or equal to a preset second threshold value, wherein the second threshold value is less than or equal to the first threshold value. The second threshold is set to further define a lower limit of the amount of resources to be transferred, i.e. to strengthen the lower limit from zero to the second threshold, so as to avoid an excessively small amount of resource transfer. For example, the second threshold may be set to 0.1 to avoid transferring and subsequently converting the first attribute resource in the first account that is too small, such as 0.01, 0.001, because such near-zero resource transferring and converting may consume much more network resources and time than the resource benefit of transferring, converting, etc. the account. Therefore, the setting of the second threshold as the lower limit is beneficial to improving the utilization efficiency of the network resources and optimizing the scheduling of the network resources.

In step S340, in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account, at least a part of the first attribute resource in the second account is converted into the second attribute resource.

In some embodiments, after the scattered resources to be transferred are transferred to the second account, the scattered resources of the second attribute transferred to the second account (as at least a part of the first attribute resources in the second account described in step S340) may be automatically resource-converted into the second attribute resources without delay. Therefore, the instant resource attribute change can be realized, and the corresponding benefit can be obtained in time. For example, taking the first attribute resource as a cash asset and the second attribute resource as a fund as an example, when the loose cash is transferred into the second account, the loose cash can be directly used for fund subscription (for example, a fund without a subscription threshold), so that the idle cash is converted into a fund with a financial management function, the idle resource can be fully utilized, the resource utilization efficiency is improved, the investment profit is quickly obtained, and the time cost is saved.

In some embodiments, the first attribute resource in the second account may also be converted in a non-real-time manner after the resource transfer is completed. Specifically, the total amount of the first attribute resource in the second account may be updated in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account; and then responding to the fact that the total amount of the first attribute resources in the second account is larger than or equal to a preset third threshold value, and converting at least one part of the first attribute resources in the second account into second attribute resources. In other words, the total amount of the first attribute resource in the second account may accumulate to a certain extent (e.g., to a certain threshold) before being converted to the second attribute resource. By doing so, the frequency of attribute change (such as fund subscription) can be reduced, intermediate expenses (such as fund subscription commission fees, stock transaction commissions or stamp taxes and the like) are saved, frequent subscription operation is avoided, network resources are saved, and resource management efficiency is optimized; in addition, the larger amount of the first attribute resources (such as cash fund amount) accumulated in the second account can expand the range of attribute change, i.e. more types of the second attribute resources can be selected to be converted (such as more fund types, such as fund with higher purchase threshold) so as to obtain greater benefit (generally, the higher the fund purchase threshold, the higher the annual benefit rate).

Embodiments of the present disclosure provide various advantages. In the resource management method according to some embodiments of the present disclosure, because the loose resources that may be idle are automatically calculated based on the number of the first attribute resources (i.e., the account balance) in the first account(s) and the preset first threshold, and the idle loose resources (i.e., the first attribute resources to be transferred) in the calculated first account are automatically and uniformly transferred or stored in the second account dedicated to processing the idle resources, the uniform automatic management of the loose resources in each account of the user can be realized, the tedious operations and the excessive consumption of network resources caused by manual management of the loose resources in each account are avoided, the resource management complexity is reduced, the service processing efficiency is improved, the network resources are saved, and the network resource scheduling is optimized. In the resource management method according to some embodiments of the present disclosure, by performing attribute change on the idle loose resources transferred from one or more first accounts in the second account (from the first attribute without profit or with lower profit to the second attribute with profit or with higher profit, for example, cash resources to fund resources), the idle loose resources can be fully utilized to perform investment and financing, so as to realize the value-added guarantee of the resources.

FIG. 4 illustrates a flow diagram of a resource management method according to some embodiments of the present disclosure. As shown in fig. 4, steps S320 and S330 are the same as those in fig. 3, and are not described again here.

As shown in FIG. 4, step S310 of FIG. 3 may include steps S310a-S310e.

In step S310a, monitoring a resource handling event in the first account in real time;

in step S310b, determining whether a resource processing event occurs in the first account, if so, going to step S310c, otherwise, returning to S310a to continue monitoring;

in step S310c, a prompt option is presented to the user regarding allowance of scattered resource management;

in step S310d, acquiring an operation of the user for the prompt option and determining whether the user selects the prompt option, if so, going to step S310e, otherwise, returning to step S310a to continue monitoring;

in step S310e, in response to the user selecting the prompt option, the amount of the first property resource in the first account is obtained.

Steps S310a to S310e shown in fig. 4 can be regarded as an extension of step S310 (first attribute resource acquisition step) shown in fig. 3, i.e., S310 is extended to S310a to S310e; it can also be seen that steps S310a-S310d for triggering the resource management procedure are added before the acquisition of the amount of the first property resource in the first account (i.e. S310 or S310 e), i.e. after these triggering steps, the resource management procedure is initiated, i.e. the information of the amount of the first property resource of the first account of the user is acquired. Alternatively, in addition to the steps S310a-S310d shown in fig. 4, the resource management process may also be triggered by receiving a resource management request of the user from the terminal device directly, i.e. the amount information of the first attribute resource in the first account is obtained in response to the resource management request of the user (e.g. change management plan) received from the terminal device. The resource handling event for the first account may represent an operation performed with respect to the first account resource involving a change in the first attribute resource, including, but not limited to: a resource transfer event and a resource change event performed in the first account.

In some embodiments, as shown in step S310a, the S310-resource obtaining step may be accomplished by monitoring in real time a resource handling event performed by the user at the first account. Because the operation of the user on the first account or the execution of the resource handling event may cause the change of the first attribute resource, the resource handling event may often cause the scattered first attribute resource in the account, and at this time, it needs to be handled as soon as possible to avoid idling and waste. For example, when the user logs in a bank account using the terminal device 150 and performs some operation (e.g., consuming payment, purchasing a financial product, etc.) so that the resource of the account changes (e.g., cash resource changes), change is likely to occur in the account, and the change is easily ignored by the user, so that real-time resource management needs to be performed on the change, thereby triggering the resource acquiring step described in S310. In other words, after it is determined that the resource processing event has occurred in the first account through step S310b, the resource management process may be directly triggered, that is, go to step S310e (omit steps S310c and S310 d), and start to acquire the first attribute resource in the first account, so as to implement automatic management of the scattered resources.

Optionally, as shown in fig. 4, two steps S310c and S310d may be added between S310b and S310e to implement the re-triggering of the resource management step in case of user authorization. After judging that the resource processing event in the first account has occurred, as shown in step S310c, the resource management step is not directly issued, but an action of requesting authorization from the user is added, that is, a prompt option for allowing scattered resource management is presented to the user for the user to select; subsequently, as shown in step S310d, after the user selection operation is acquired by the terminal device (for example, by mouse clicking), if it is determined that the user selects the prompt option for allowing scattered resource management, the process goes to step S310e, and the resource management process is triggered to start the acquisition of the first attribute resource in the first account. The additional steps S310c and S310d shown in fig. 4 enhance the man-machine interaction of the resource management process by adding the authorization request action, improve the user operation experience, and avoid unauthorized handling of the scattered resources against the user' S will (for example, the user may have another handling plan for the scattered resources).

In some embodiments, the resource management process may be triggered in other ways besides step S310d shown in fig. 4-by monitoring the resource handling event of the first account in real time and optionally steps S310c-S310 d-applying for user authorization. For example, in the case that the first account resource handles events frequently, the method of acquiring the quantity of the first attribute resource in real time in response to the user resource handling events may cause excessive occupation of network resources, because the scattered resource of the first attribute may not occur or the quantity of the scattered resource is small every time the resource handling events. Therefore, in order to avoid triggering the resource management process too frequently and overcome the problem of excessive occupation of network resources, a monitoring period may be set in advance according to the specific situation (i.e. history data, such as frequency, time period, etc.) of the first event executed in the first account by the user in the past, the first account may be periodically monitored in the predetermined period, and the resource management process is triggered when the first attribute resource (relative to the last monitoring) changes or when the first attribute resource exists in the first account (i.e. a balance exists), i.e. a resource acquisition step is started, so as to implement the periodic triggering of the resource management process.

In general, the second attribute resource may include one or more specific resources, such as a fund resource may include a plurality of fund products offered by different fund companies, or the same fund company may offer a plurality of fund products. Or, in the case of stock resources, the chinese a stock market includes thousands of different stocks for investors to choose from. Since the second attribute resources include a plurality of specific resources (e.g., a plurality of fund products), according to the concept of the present disclosure, in order to achieve full utilization and value-added preservation of scattered resources, when the first attribute resources scattered in the second account are converted into the second attribute resources, the first attribute resources may be converted into a plurality of specific resources belonging to the second attribute resources. For example, loose cash in the second account may be simultaneously contracted to a plurality of funds B, or no threshold or low threshold funds a may be contracted to first, and then as more loose cash is transferred to the second account and converted to funds a, the funds a may be converted to funds B with a higher contracted threshold when the total value of funds a increases to a certain extent. This may result in higher yield, as the more threshold fund B tends to have a higher annual rate of return.

Therefore, as shown in fig. 4, the resource converting step S340 shown in fig. 3 can be extended to include the following steps:

s340a, converting the first attribute resource of the quantity of the resource to be transferred in the second account into a first resource;

s340b, updating the amount of the first resource in the second account,

s340c, determining whether the updated amount of the first resource in the second account is greater than or equal to a preset fourth threshold, if so, going to step S340d, otherwise, returning to S310a, and continuing to monitor the resource processing event of the first account;

s340d, converting at least a portion of the first resource in the second account into a second resource.

In the above steps, the first resource and the second resource both belong to the second attribute resource, the first resource may select the unlimited purchase threshold or the fund a with a lower threshold so as to realize the real-time conversion of the small scattered resources, and the second resource may select the fund B with a higher purchase threshold, for example, in order to obtain more benefits.

As described above, in S340a, the loose cash transferred to the second account can be directly used to purchase the fund a immediately after being transferred to the second account, so that the loose cash transferred to the second account is converted into the fund a (i.e., the first resource) having the investment benefit function in real time, thereby rapidly and fully utilizing the idle loose resources, improving the resource utilization efficiency, and saving the time cost of investment.

After converting the scattered resources (i.e. the resources to be transferred in the second account) into the first resources belonging to the second property resources, the amount of the second property resources in the second account, in particular the amount of the first resources, changes. In order to cumulatively calculate the amount of the first resource, the amount of the first resource in the second account needs to be updated as described in S340 b. Subsequently, as indicated by S340c, the updated first resource quantity is compared with a preset fourth threshold to determine whether the first resource quantity meets or exceeds the fourth threshold, wherein the fourth threshold can be determined according to the conversion condition of the second resource (e.g., the procurement threshold of fund B). For example, if the fund B subscription threshold is 10000 dollars, the fourth threshold may be set to 10000 dollars. Then, when the fund a of the second account has the accumulated value of the first resource (fund a) reaching or exceeding a fourth threshold (for example 10000 yuan) through a plurality of resource transfers and resource attribute changes, the automatic reconciliation may be performed, that is, at least a part of the first resource (fund a) is converted into the second resource (fund B) in order to obtain higher profit, as shown in step S340 d.

The composite resource conversion method described in steps S340a-S340d can obtain higher profit by performing secondary conversion of the accumulated first resource while ensuring fast conversion of the scattered resources and improving the resource utilization efficiency.

FIG. 5 illustrates a flow diagram of a resource management method according to some embodiments of the disclosure. As shown in fig. 5, the resource management method according to some embodiments of the present disclosure may further include steps S301 to S305 prior to S310, in addition to the steps S310 to S340 identical to fig. 3.

In step S301, a user is presented with a reminder option to allow for sporadic resource management. In some embodiments, the step of user authorization for resource management may be added before S310-acquiring the amount of the first attribute resource in the first account, i.e. the subsequent resource management steps S310-340 may be triggered again in case of user authorization. As shown in step S301, a prompt option for allowing management of loose resources (e.g., participating in a change management plan) is first presented to the user for selection by the user, so that the subsequent steps are initiated when the user selects the prompt option.

In step S302, a user operation for the prompt option is obtained, and it is determined whether the prompt option is selected by the user, if so, the process goes to step S303, otherwise, the method is ended. After step S301, after the user selection operation (for example, by mouse click) is obtained by the terminal device, if it is determined that the user selects the option for allowing scattered resource management, the subsequent step of triggering the resource management process is performed; if the user does not select the prompt option, indicating that the user does not wish to participate in the piecemeal resource management, the method may end. Similar to the steps S310c-310d shown in fig. 4, the additional steps S301 and S302 shown in fig. 5 enhance the man-machine interaction of the resource management process by adding the authorization request action, thereby improving the user operation experience and avoiding unauthorized processing of scattered resources against the user' S will.

In step S303, in response to the user operation as selecting a prompt option, it is determined whether a second account exists, if so, the process directly goes to step S310 to perform a resource acquisition action, otherwise, the process goes to step S304. In some embodiments, a second account creation step may be added before the resource management steps S310-S340 are turned on, because at the first time the loose resource management is conducted, a second account dedicated to the loose resource management may not have been established. Therefore, as shown in fig. 5, before step S310, optionally after the user selects the prompt option, it may first determine whether the user has a second account in the corresponding resource service system or platform, and if not, automatically create the second account for current and later management (e.g., transfer and change) of the scattered resources; if yes, the account creation step is skipped and step S310 is directly performed.

In step S304, in response to the absence of the second account, setting resource configuration parameters for the second account, wherein the resource configuration parameters include at least one of: the preset first threshold value, the locking time of a second attribute resource in a second account, and the category and the name of the second attribute resource. And starting a second account creating process when judging that the second account does not exist. In the process of creating the second account, corresponding resource configuration parameters need to be set. Resource configuration parameters refer to parameters needed in the second account to manage the scattered resources (e.g., scattered resource acquisition, resource transfer, and resource change). For example, the resource configuration parameters may include: the preset first threshold value required for the subsequent steps, the locking time of the second attribute resource converted from the scattered resource in the second account (for example, the locking period after cash is converted into fund, such as 6 months, one year, etc.) can be determined by the user, the category of the second attribute resource (such as fund, futures, stock, etc.), and the first resource and the second resource (such as fund a and fund B, etc.) contained in the second attribute resource. These resource configuration parameters can be automatically determined by the system according to specific situations and corresponding historical data of the user, and can also be determined by the user. For example, the resource management system 100 may determine a corresponding resource configuration parameter according to the historical operation behavior data of the user for the first account, so as to improve the account creation efficiency while meeting the requirement of the user; optionally, the resource management system 100 may also present the user with an interface for resource configuration parameter input or selection for the user to autonomously determine specific values for these parameters, thereby enhancing interactivity and user experience.

In step S305, a second account is created according to the resource configuration parameters. After the resource configuration parameters are obtained, the corresponding second account can be directly created according to the resource configuration parameters to be dedicated to managing the idle scattered resources in the first account. In this way, the subsequent resource management steps S310-S340 can directly use the created second account and the corresponding resource configuration parameters to implement the resource management process.

FIG. 6 illustrates the interaction flow between entities in an example application scenario of a resource management method according to some embodiments of the present disclosure. Fig. 7A-7F schematically illustrate example interfaces in an example application scenario of the resource management method of some embodiments of the present disclosure shown in fig. 6, respectively.

In the application scenario shown in fig. 6, the first account and the second account are both financial accounts, the first attribute resource is a cash resource, and the second attribute resource is a financial product resource, such as fund M, fund a, and fund B; loose resources (i.e., resources to be transferred) are change; the first resource is fund A, and the second resource is fund B; the resource handling event is the purchase or redemption of a fund M. In fig. 6, the user is interacting with the financial platform through a terminal device 150 as shown in fig. 1 and 2, which is not shown for convenience; the financing platform corresponds to the resource management service system 100 shown in FIG. 1. As shown in fig. 6, the money management platform includes a first money management account server, a second money management account server, and a change management server, which correspond to the first account server 110, the second account server 130, and the resource management server 120 shown in fig. 1 and 2, respectively. The first financial account server, the second financial account server and the change management server are shown as separate entities in fig. 6 for convenience of description, but they may be different components of the same server.

In step 601, a user requests the purchase or redemption of funds M in a first financial account through a user terminal device. Fig. 7A and 7B show example interfaces for a user requesting purchase and redemption of a fund M through a first financial account, respectively. As shown in fig. 7A, the purchase amount of fund M is 1000 yuan, and the purchase is performed with the current account fund (current fund is 1450.80), or alternatively, the fund can be paid by being a third party platform (e.g. a WeChat account). As shown in fig. 7B, the fund M redeems 1000 shares and chooses to redeem cash into the current first financial account, or can choose to transfer directly to a bank account.

In step 602, the financing platform performs a fund purchase or redemption operation, i.e., a fund M is purchased or redeemed as shown in fig. 7A or 7B, according to the user's request, thereby converting 1000 dollars of cash resources in the first financing account into fund M or converting 1000 shares of fund a into cash resources.

At step 603, the change management server monitors the fund buy or redeem event in the first financial account to trigger change management. At step 604, when the above event is monitored, as shown in FIG. 7A or 7B, the user may be simultaneously presented with a "participate in change financing program" option in the fund buying or redemption interface while the fund M is being purchased or redeemed to enable the change thus generated to be further processed. In step 605, the selection operation of the user for the option is obtained on the user terminal device. As shown in fig. 7A, selection of the "participate in change financing plan" option to be checked may trigger a second financing account to be created or opened for change management.

At step 606, resource configuration options (i.e., resource configuration parameters) are presented for the change financing plan. Figure 7C illustrates an asset configuration option presentation interface during the second financial account creation process. As shown in FIG. 7C, the asset configuration options include system-specified "pick assets": fund a and fund B. As shown in fig. 7C, where fund a is a fund with a lower rate of return (2.4380%) but flexible subscription (e.g., no threshold or low threshold), and fund B is a fund with a higher rate of return (18.30%) but high lock time and threshold, belonging to the high threshold longline investment fund. In other words, fund a is suitable for small change with follow-up, while fund B is suitable for small change in the second financial account or fund a accumulates to some extent in a subscription or a resale. Although not shown in FIG. 7C, the resource configuration options may also relate to other resource configuration parameters, such as the first threshold, the locking period of the fund, and the like. As shown in fig. 7C, the user may also select the asset configuration scheme completely autonomously by himself by clicking "i want to select himself" in the interface. In step 607, the operation of obtaining the configuration options of the user, i.e. obtaining whether the user clicks "confirm" to select the automatically given pick asset or "i want to select himself" to autonomously select the configuration asset as in fig. 7C. A second financial account is created or opened at step 608 based on the user's selection of configuration options. FIG. 7D illustrates an example presentation interface of a fund asset instance for a second financial account. As shown in FIG. 7D, the current second financial account totals 20-dollar assets, including 20-dollar and 0-dollar equity assets for fund A and fund B, respectively. As shown in FIG. 6, the dashed arrows of steps 606-608 indicate that these steps are optional, such as when the user first participates in the change fund management, a second account needs to be created, and then when participating again, the second account that has been created can be used without having to be created repeatedly.

As shown in fig. 6, steps 609-615 are specific change management steps, which substantially correspond to steps S310e-S340d in the flowchart of the resource management method shown in fig. 4. Specifically, at step 609, the cash balance in the first financial account is obtained. For example, in the event of a fund M purchase using the first financial account as shown in fig. 7A, the cash amount remaining after the fund purchase is completed is 1450.80-1000=450.80 dollars. Then, at step 610, change in the first financial account is determined. As shown in fig. 7A, if the first threshold is set to 100, change can be determined to be 50.80 dollars using equation (1). FIG. 7E shows the asset detail interface for the present transaction at the completion of redemption of funds. As shown in FIG. 7E, when the fund M is redeemed using the first financial account, the redemption share is 6500 shares, the benevolence totals 10675.27 dollars, where the first threshold takes 10, and the change amount is 5.27, which can be calculated using equation (1). In step 611, in response to the resource transfer condition being met, i.e., the change amount is greater than zero and less than the first threshold, the change is transferred to the second financial account. As shown in 7E, the redemption fund M event results in a change amount of 5.27, which is between 0 and 10 (the first threshold), thus satisfying the resource transfer condition; as shown in fig. 7A, the buy fund M generates a change of 50.80, which is between 0 and 100 (the first threshold), and also satisfies the resource transfer condition. At step 612, change is converted in real-time to fund A (e.g., without limitation to a subscription threshold). At step 613, the total value (or total net value) of fund A is updated. At step 614, it is determined whether the total value of fund A meets or exceeds the fourth threshold. At step 615, in response to the net worth of fund A being greater than the fourth threshold, fund A is converted to fund B (e.g., having a higher fund subscription threshold).

FIG. 7F illustrates an example interface for making a payment at a third party payment platform when a fund M is purchased using a first financial account. In step 601, as shown in fig. 7A, in addition to the cash balance in the current first financial account, a "WeChat Payment" option may also be selected to transfer to the fund company in real time through the third party platform to complete the purchase requisition. As shown in fig. 7F, the user can pay 1009 yuan with WeChat according to personal desire, wherein 1000 purchases fund M, and the remaining 9 yuan can be transferred to the current first money management account as participating in the change management, i.e., "change money management program".

Fig. 8 schematically illustrates an example block diagram of a resource management apparatus 800 in accordance with some embodiments of the present disclosure. The resource management apparatus 800 may include a first account management module 810, a resource management module 820, and a second account management module 830.

The first account management module 810 may be configured to obtain an amount of the first property resource in the first account. The resource management module 820 may be configured to determine the amount of the resource to be transferred in the first account according to the amount of the first attribute resource in the first account and a preset first threshold. The second account management module 830 may be configured to transfer the first attribute resource of the amount of the resource to be transferred in the first account to the second account and convert at least a portion of the first attribute resource in the second account to the second attribute resource in response to the resource transfer condition being satisfied, wherein the resource transfer condition includes that the amount of the resource to be transferred is greater than zero and less than or equal to the first threshold.

It should be noted that the various modules described above may be implemented in software or hardware or a combination of both. Several different modules may be implemented in the same software or hardware configuration, or one module may be implemented by several different software or hardware configurations.

The resource management device provided by the disclosure focuses on effective management of idle scattered resources in a user account. In the embodiment of the resource management device according to the present disclosure, since the loose resources that may be idle are automatically calculated based on the number of the first attribute resources (i.e., the account balance) in the first account(s) and the preset first threshold, and the idle loose resources (i.e., the first attribute resources to be transferred) in the calculated first account are automatically transferred or stored in the second account dedicated to processing the idle resources in a unified manner, unified automatic management of the loose resources in each account of the user can be achieved, cumbersome operations and excessive consumption of network resources caused by manual management of the loose resources in each account are avoided, resource management complexity is reduced, service processing efficiency is improved, network resources are saved, and network resource scheduling is optimized. In the resource management method according to some embodiments of the present disclosure, by performing attribute change on the idle loose resources transferred from one or more first accounts in the second account (from the first attribute without profit or with lower profit to the second attribute with profit or with higher profit, for example, cash resources to fund resources), the idle loose resources can be fully utilized to perform investment and financing, so as to realize the value-added guarantee of the resources.

Fig. 9 schematically illustrates an example block diagram of a computing device 900 in accordance with some embodiments of the disclosure. Computing device 900 may represent a device to implement the various means or modules described herein and/or perform the various methods described herein. Computing device 900 may be, for example, a server, a desktop computer, a laptop computer, a tablet, a smartphone, a smartwatch, a wearable device, or any other suitable computing device or computing system that may include various levels of devices from full resource devices with substantial storage and processing resources to low-resource devices with limited storage and/or processing resources. In some embodiments, the resource management apparatus 800 described above with respect to fig. 8 may be implemented in one or more computing devices 900, respectively.

As shown in fig. 9, the example computing device 900 includes a processing system 901, one or more computer-readable media 902, and one or more I/O interfaces 903 communicatively coupled to each other. Although not shown, the computing device 900 may also include a system bus or other data and command transfer system that couples the various components to one another. A system bus can include any one or combination of different bus structures, such as a memory bus or memory controller, a peripheral bus, a universal serial bus, and/or a processor or local bus that utilizes any of a variety of bus architectures. Alternatively, control and data lines, for example, may be included.

Processing system 901 represents functionality to perform one or more operations using hardware. Thus, the processing system 901 is illustrated as including hardware elements 904 that may be configured as processors, functional blocks, and so forth. This may include implementation in hardware as an application specific integrated circuit or other logic device formed using one or more semiconductors. The hardware elements 904 are not limited by the materials from which they are formed or the processing mechanisms employed therein. For example, a processor may be comprised of semiconductor(s) and/or transistors (e.g., electronic Integrated Circuits (ICs)). In such a context, processor-executable instructions may be electronically-executable instructions.

The computer-readable medium 902 is illustrated as including a memory/storage 905. Memory/storage 905 represents memory/storage associated with one or more computer-readable media. The memory/storage 905 may include volatile media (such as Random Access Memory (RAM)) and/or nonvolatile media (such as Read Only Memory (ROM), flash memory, optical disks, magnetic disks, and so forth). The memory/storage 905 may include fixed media (e.g., RAM, ROM, a fixed hard drive, etc.) as well as removable media (e.g., flash memory, a removable hard drive, an optical disk, and so forth). Illustratively, the memory/storage 905 may be used to store the first audio of the first category of users, the requested queuing list, etc. mentioned in the above embodiments. The computer-readable medium 902 may be configured in various other ways as further described below.

One or more I/O (input/output) interfaces 903 represent functionality that allows a user to enter commands and information to computing device 900, and also allows information to be displayed to the user and/or sent to other components or devices using various input/output devices. Examples of input devices include a keyboard, a cursor control device (e.g., a mouse), a microphone (e.g., for voice input), a scanner, touch functionality (e.g., capacitive or other sensors configured to detect physical touch), a camera (e.g., motion that does not involve touch may be detected as gestures using visible or invisible wavelengths such as infrared frequencies), a network card, a receiver, and so forth. Examples of output devices include a display device (e.g., a monitor or projector), speakers, a printer, a haptic response device, a network card, a transmitter, and so forth. Illustratively, in the embodiments described above, the first category of users and the second category of users may enter inputs through input interfaces on their respective terminal devices to initiate requests and to enter audio and/or video and the like, and may view various notifications and view video or listen to audio and the like through output interfaces.

Computing device 900 also includes resource management policies 906. The resource management policies 906 may be stored as computer program instructions in the memory/storage 905, or may be hardware or firmware. The resource management policy 906 may implement all functions of the respective modules of the resource management apparatus 800 described with respect to fig. 8 together with the processing system 901 and the like.

Various techniques may be described herein in the general context of software, hardware, components, or program modules. Generally, these modules include routines, programs, objects, elements, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The terms "module," "functionality," and the like, as used herein generally represent software, firmware, hardware, or a combination thereof. The features of the techniques described herein are platform-independent, meaning that the techniques may be implemented on a variety of computing platforms having a variety of processors.

An implementation of the described modules and techniques may be stored on or transmitted across some form of computer readable media. Computer readable media can include a variety of media that can be accessed by computing device 900. By way of example, and not limitation, computer-readable media may comprise "computer-readable storage media" and "computer-readable signal media".

"computer-readable storage medium" refers to a medium and/or device, and/or a tangible storage apparatus, capable of persistently storing information, as opposed to mere signal transmission, carrier wave, or signal per se. Accordingly, computer-readable storage media refer to non-signal bearing media. Computer-readable storage media include hardware such as volatile and nonvolatile, removable and non-removable media and/or storage devices implemented in a method or technology suitable for storage of information such as computer-readable instructions, data structures, program modules, logic elements/circuits or other data. Examples of computer readable storage media may include, but are not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital Versatile Disks (DVD) or other optical storage, hard disks, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or other storage, tangible media, or an article of manufacture suitable for storing the desired information and which may be accessed by a computer.

"computer-readable signal medium" refers to a signal-bearing medium configured to transmit instructions to the hardware of computing device 900, such as via a network. Signal media typically embodies computer readable instructions, data structures, program modules or other data in a modulated data signal such as a carrier wave, data signal or other transport mechanism. Signal media also includes any information delivery media. By way of example, and not limitation, signal media includes wired media such as a wired network or direct-wired connection, and wireless media such as acoustic, RF, infrared and other wireless media.

As previously mentioned, the hardware element 904 and the computer-readable medium 902 represent instructions, modules, programmable device logic, and/or fixed device logic implemented in hardware form that may be used in some embodiments to implement at least some aspects of the techniques described herein. The hardware elements may include integrated circuits or systems-on-chips, application Specific Integrated Circuits (ASICs), field Programmable Gate Arrays (FPGAs), complex Programmable Logic Devices (CPLDs), and other implementations in silicon or components of other hardware devices. In this context, a hardware element may serve as a processing device that performs program tasks defined by instructions, modules, and/or logic embodied by the hardware element, as well as a hardware device for storing instructions for execution, such as the computer-readable storage medium described previously.

Combinations of the foregoing may also be used to implement the various techniques and modules described herein. Thus, software, hardware, or program modules and other program modules may be implemented as one or more instructions and/or logic embodied on some form of computer-readable storage medium and/or by one or more hardware elements 904. Computing device 900 may be configured to implement particular instructions and/or functions corresponding to software and/or hardware modules. Thus, implementing modules as modules executable by computing device 900 as software may be implemented at least partially in hardware, for example, using computer-readable storage media of a processing system and/or hardware elements 904. The instructions and/or functions may be executed/operable by, for example, one or more computing devices 900 and/or processing systems 901 to implement the techniques, modules, and examples described herein.

The techniques described herein may be supported by these various configurations of computing device 900 and are not limited to specific examples of the techniques described herein.

In particular, according to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as a computer program. For example, embodiments of the present disclosure provide a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing at least one step of the method embodiments of the present disclosure.

In some embodiments of the present disclosure, one or more computer-readable storage media are provided having computer-readable instructions stored thereon that, when executed, implement resource management methods according to some embodiments of the present disclosure. The steps of the resource management method according to some embodiments of the present disclosure may be converted into computer-readable instructions by programming and stored in a computer-readable storage medium. When such a computer-readable storage medium is read or accessed by a computing device or computer, the computer-readable instructions therein are executed by a processor on the computing device or computer to implement a resource management method according to some embodiments of the present disclosure.

In the description of the present specification, the description of the terms "one embodiment," "some embodiments," "an example," "a specific example," or "some examples" or the like means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present disclosure. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logical function or process, and alternate implementations are included within the scope of the preferred embodiment of the present disclosure in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present disclosure.

The logic and/or steps represented in the flowcharts or otherwise described herein, such as an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions. For the purposes of this description, a "computer-readable medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device.

It should be understood that portions of the present disclosure may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, various steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, any one or a combination of the following technologies, which are well known in the art, may be used: discrete logic circuits having logic Gate circuits for implementing logic functions on data signals, application specific integrated circuits having appropriate combinational logic Gate circuits, programmable Gate arrays (Programmable Gate arrays), field Programmable Gate arrays (Field Programmable Gate arrays), and the like.

It will be understood by those skilled in the art that all or part of the steps of the method of the above embodiments may be performed by hardware associated with program instructions, and that the program may be stored in a computer readable storage medium, and that the program, when executed, includes one or a combination of the steps of performing the method embodiments.

In addition, functional units in the embodiments of the present disclosure may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a separate product, may also be stored in a computer-readable storage medium.

Claims

1. A method of resource management, comprising:

acquiring the quantity of a first attribute resource in a first account;

determining the quantity of resources to be transferred in the first attribute resources of the first account according to the quantity of the first attribute resources in the first account and a preset first threshold value;

transferring a first attribute resource of the quantity of the resource to be transferred in a first account to a second account in response to the resource transfer condition being met, wherein the resource transfer condition comprises that the quantity of the resource to be transferred is greater than zero and less than or equal to a preset first threshold value;

and in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account, converting at least one part of the first attribute resource in the second account into a second attribute resource.

2. The method according to claim 1, wherein the determining the amount of the resource to be transferred in the first attribute resource of the first account according to the amount of the first attribute resource in the first account and a preset first threshold value comprises:

determining the quantity of the resources to be transferred according to the following formula:

B=X-Int（X/M）*M，

wherein B represents the number of resources to be transferred, X represents the number of first attribute resources in the first account, M represents a preset first threshold, and Int () represents a rounding function.

3. The method of claim 1, wherein the resource transfer condition further comprises: the number of the resources to be transferred is greater than or equal to a preset second threshold value, wherein the preset second threshold value is less than or equal to the preset first threshold value.

4. The method of claim 1, wherein the converting at least a portion of the first attributed resource in the second account to the second attributed resource in response to transferring the first attributed resource of the amount of the resource to be transferred in the first account to the second account comprises:

and in response to transferring the first attribute resource of the quantity of the resource to be transferred in the first account to the second account, converting the first attribute resource of the quantity of the resource to be transferred in the second account into the second attribute resource.

5. The method of claim 1, wherein the converting at least a portion of the first attribute resources in the second account to second attribute resources in response to transferring the first attribute resources of the amount of resources to be transferred in the first account to the second account comprises:

in response to transferring the first attribute resources of the quantity of the resources to be transferred in the first account to the second account, updating the total quantity of the first attribute resources in the second account;

and in response to the updated total amount of the first attribute resources in the second account being greater than or equal to a preset third threshold, converting at least a portion of the first attribute resources in the second account into second attribute resources.

6. The method of claim 1, wherein the second attribute resource comprises a first resource and a second resource, and wherein said converting at least a portion of the first attribute resource in the second account to the second attribute resource in response to transferring the first attribute resource of the amount of the resource to be transferred in the first account to the second account comprises:

responding to the transfer of the first attribute resource of the quantity of the resource to be transferred in the first account to the second account, and converting the first attribute resource of the quantity of the resource to be transferred in the second account into the first resource;

updating the quantity of the first resource in the second account in response to the first attribute resource of the quantity of the resource to be transferred in the second account being converted into the first resource;

and in response to the updated amount of the first resource in the second account being greater than or equal to a preset fourth threshold, converting at least a portion of the first resource in the second account into a second resource.

7. The method of claim 1, wherein the obtaining the amount of the first property resource in the first account comprises:

monitoring resource processing events in a first account in real time;

and responding to the occurrence of the resource processing event in the first account, and acquiring the quantity of the first attribute resource in the first account.

8. The method of claim 1, wherein the obtaining the amount of the first property resource in the first account comprises:

monitoring resource processing events in a first account in real time;

in response to a resource handling event occurring in the first account, presenting a user with a prompt option regarding allowing scattered resource management;

acquiring user operation aiming at the prompt option;

and responding to the user operation for selecting the prompt option, and acquiring the quantity of the first attribute resource in the first account.

9. The method of claim 7, wherein the resource handling event comprises at least one of a resource transfer event and a resource change event.

10. The method of claim 1, wherein prior to said obtaining the amount of the first property resource in the first account, the method further comprises:

presenting a user with a prompt option to allow for scattered resource management;

acquiring user operation aiming at the prompt option;

determining, in response to the user operation selecting the prompt option, whether the second account is present or absent;

in response to the absence of the second account, setting resource configuration parameters for the second account, the resource configuration parameters including at least one of: the preset first threshold value, the locking time of the second attribute resource in the second account, and the category and the name of the second attribute resource in the second account;

and creating the second account according to the resource configuration parameters.

11. The method of claim 1, wherein the obtaining the amount of the first property resource in the first account comprises:

receiving a resource management request for a first account from a terminal device;

and responding to the resource management request, and acquiring the quantity of the first attribute resource in the first account.

12. The method of any of claims 1-11, wherein the first account comprises at least one of a financial account and a non-financial account and the second account comprises a financial account.

13. A resource management apparatus, comprising:

a first account management module configured to obtain an amount of a first property resource in a first account;

the resource management module is configured to determine the quantity of the resources to be transferred in the first attribute resources of the first account according to the quantity of the first attribute resources in the first account and a preset first threshold value;

the second account management module is configured to transfer the first attribute resource of the amount of the resource to be transferred in the first account to the second account and convert at least one part of the first attribute resource in the second account into the second attribute resource in response to the resource transfer condition being met, wherein the resource transfer condition comprises that the amount of the resource to be transferred is greater than zero and less than or equal to a preset first threshold value.

14. A computing device, comprising:

a memory and a processor, wherein the processor is capable of,

wherein the memory has stored therein a computer program which, when executed by the processor, causes the processor to carry out the steps of the method of any one of claims 1-12.

15. A computer readable storage medium having computer readable instructions stored thereon which, when executed, implement the method of any one of claims 1-12.