HK1237488A

HK1237488A - Method and device for resource processing

Info

Publication number: HK1237488A
Application number: HK17111478.9A
Authority: HK
Filing date: 2017-11-08
Publication date: 2018-04-13

Description

Resource processing method and device

Technical Field

The present application relates to the field of computer technologies, and in particular, to a resource processing method and apparatus.

Background

With the development of information technology, under the support of internet technology, service providers (such as websites, banks, telecommunication operators, etc.) provide users with networked service platforms, and users can directly obtain corresponding service services on the networked service platforms, and can also perform service operations with different users on the basis of the networked service platforms, so as to obtain corresponding service services from other users.

In the prior art, in the process of business operations between different users, a sender (which may be referred to as a first user) generally needs to send corresponding actual resources from an account (which may be referred to as a first account) of the sender to an account (which may be referred to as a second account) of a receiver (which may be referred to as a second user) via a server in order to obtain business services provided by the second user.

However, the actual resources are consumed to some extent during the transfer process, and therefore, in order to ensure that the second account can receive the corresponding amount of actual resources, the first user often needs to send additional actual resources when the first user uses the first account to send the actual resources to the second account.

Disclosure of Invention

The embodiment of the application provides a resource processing method and a resource processing device, which are used for solving the problem that resources are consumed in the current resource processing process.

The resource processing method provided by the embodiment of the application comprises the following steps:

receiving a resource transfer request sent by a first account, wherein the resource transfer request comprises an actual resource amount to be transferred and a second account serving as a resource transfer target;

determining a virtual resource amount corresponding to the actual resource amount according to the actual resource amount;

and acquiring the virtual resource corresponding to the virtual resource amount from the virtual resource pre-allocated to the first account, and sending the virtual resource to the second account, so that the second account converts the virtual resource into a corresponding actual resource by using the virtual resource.

receiving a payment request sent by a first account, wherein the payment request comprises a money amount to be paid and a second account for receiving money;

determining a credit value corresponding to the money amount according to the money amount;

and acquiring account credit corresponding to the credit value from account credits pre-allocated to the first account, and sending the account credit to the second account so that the second account converts the account credit into a money with a matching amount.

An embodiment of the present application provides a resource processing apparatus, including:

the system comprises a receiving module, a resource transferring module and a resource transferring module, wherein the receiving module is used for receiving a resource transferring request sent by a first account, and the resource transferring request comprises an actual resource amount to be transferred and a second account which is used as a resource transferring target;

the determining module is used for determining the virtual resource amount corresponding to the actual resource amount according to the actual resource amount;

and the resource transfer module is used for acquiring the virtual resource corresponding to the virtual resource amount from the virtual resource pre-allocated to the first account and sending the virtual resource to the second account so that the second account converts the virtual resource into the corresponding actual resource.

the payment management system comprises a receiving module, a payment management module and a payment management module, wherein the receiving module is used for receiving a payment request sent by a first account, and the payment request comprises a money amount to be paid and a second account for receiving money;

the determining module is used for determining a credit value corresponding to the money amount according to the money amount;

and the resource transfer module is used for acquiring the account credit corresponding to the credit value from the account credit pre-allocated to the first account and sending the account credit to the second account so that the second account converts the account credit into a money with a matched line.

The embodiment of the application provides a resource processing method and device, for a first account and a second account, in the process of resource conversion, actual resources can be converted into virtual resources of a corresponding quantity, the converted virtual resources are transferred and sent to the second account, and therefore, in the process of resource transfer, the phenomenon of additional consumption of resources cannot occur, and after the second account receives the virtual resources transferred by the first account, the received virtual resources can be converted into the actual resources of the corresponding quantity again.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

FIG. 1 is a resource handling process provided in an embodiment of the present application;

fig. 2 is a resource processing procedure provided in an actual application scenario according to an embodiment of the present application;

fig. 3 is a schematic structural diagram of a resource processing apparatus according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of a resource processing apparatus in an actual application scenario according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions of the present application will be described in detail and completely with reference to the following specific embodiments of the present application and the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.

Fig. 1 is a resource processing process provided in an embodiment of the present application, where the process specifically includes the following steps:

s101: receiving a resource transfer request sent by a first account, wherein the resource transfer request comprises an actual resource amount to be transferred and a second account which is a resource transfer target.

It should be noted that, in the embodiment of the present application, a service system in the background of a service provider (including, but not limited to, a website, a bank, a telecommunications carrier, and the like) may provide a corresponding networked service platform, that is, each of the first user and the second user may register their respective account (i.e., the first account and the second account) in the service platform, which, of course, does not constitute a limitation to the present application.

Based on this, in an actual application scenario, after the first user obtains a corresponding service from the second user, the first user sends a corresponding amount of resources to the second user, which is the receiving party as the sending direction at this time. Then, in this process, the first user may initiate a resource transfer request to a second user's own second account through a networked service platform provided by the service provider using its own first account.

The resource transfer request includes a destination account (i.e., the second account) of the resource transfer, and also includes an actual amount of resources (i.e., an actual amount of resources) to be sent to the second account by the first account.

It may be considered that the actual amount of resources sent by the first account to the second account matches the business service obtained by the first user from the second user.

S102: and determining the virtual resource amount corresponding to the actual resource amount according to the actual resource amount.

In practical application, when actual resources are transferred between different accounts through a networked service platform, additional consumption of the actual resources is generated. In order to avoid the consumption of the actual resources in the resource transfer process, in the embodiment of the present application, the actual resources to be transferred are converted into corresponding virtual resources.

It can be considered that the virtual resource in the embodiment of the present application may specifically be a virtualized resource that is not additionally consumed in the resource transfer process.

S103: and acquiring the virtual resource corresponding to the virtual resource amount from the virtual resource pre-allocated to the first account, and sending the virtual resource to the second account, so that the second account converts the virtual resource into a corresponding actual resource by using the virtual resource.

A service provider providing a networked service platform for different users usually allocates different amounts of virtual resources for respective accounts of the different users, such as: and determining the quantity of virtual resources which can be owned by different accounts according to the account grades of the different accounts, the resource transfer amount of the different account histories and other modes. Of course, no limitation to the present application is intended thereby.

Based on this, after the amount of the virtual resources to be transferred from the first account to the second account is determined through the above steps, the corresponding amount of the virtual resources can be obtained from the virtual resources pre-allocated to the first account and sent to the second account. And after the second account receives the virtual resource transferred by the first account, the second account can convert the obtained virtual resource into a corresponding amount of actual resource again.

The above process in the present application may be specifically executed by a server in a background service system of a service provider, which does not constitute a limitation to the present application.

Therefore, through the steps, for the first account and the second account, in the process of resource conversion, the actual resources can be converted into the virtual resources with the corresponding quantity, the converted virtual resources are transferred and sent to the second account, and therefore, in the process of resource transfer, the phenomenon of additional consumption of the resources cannot occur, and after the second account receives the virtual resources transferred by the first account, the received virtual resources can be converted into the actual resources with the corresponding quantity again, and the mode effectively reduces or avoids the situation that the actual resources are additionally consumed in the transfer process, and can save the actual resources for different users.

It should be noted that, in the embodiment of the present application, in the process of determining the virtual resource amount corresponding to the actual resource amount, the determination may be performed according to a preset resource conversion ratio, that is, for step S102, the determining the virtual resource amount corresponding to the actual resource amount specifically includes: and converting the determined actual resource quantity into the virtual resource quantity with the matched quantity according to the set resource quantity conversion proportion.

For example: assume that the preset resource amount conversion ratio is "1 unit of actual resource: 2 units of virtual resources ", if the actual amount of resources to be transferred by the first account is 10, the server may convert the actual resources of 10 units into virtual resources of 20 units according to the resource amount conversion ratio.

Of course, in the above example, after the second account finally receives 20 units of virtual resources, the 20 units of virtual resources may be converted into 10 units of actual resources according to the resource amount conversion ratio in the above example.

In the embodiment of the application, the virtual resources pre-allocated to different accounts are provided by a service provider, but not actual resources in an account of a user, and it can be considered that the virtual resources belong to a credit resource, the first account does not need to transfer the actual resources but only needs to provide the number of the actual resources to be transferred, and the server acquires a corresponding number of virtual resources from the virtual resources of the first account according to the number of the actual resources to be transferred by the first account and sends the virtual resources to the second account. That is, the first account uses the virtual resources assigned to the first account by the service provider. Therefore, when the user uses the virtual resource, the server deducts a corresponding amount of the virtual resource from the account of the user to indicate that the user has used the corresponding amount of the virtual resource. In this case, the user may send the actual resources to the server to supplement the virtual resources used. That is, in one mode in an embodiment of the present application, the method further includes: and receiving the actual resources sent by the first account, converting the received actual resources into corresponding virtual resources, and allocating the virtual resources to the first account.

That is, after receiving the actual resources sent by the first user, the server converts the actual resources into a corresponding number of virtual resources, and supplements the virtual resources to the virtual resources of the first user. For example: assuming that the total amount of virtual resources pre-allocated to the first account is 1000, and the amount of virtual resources transferred from the first account to the second account is 500, then the total amount of virtual resources in the first account is 500. It is assumed that, still according to the resource amount conversion ratio in the above example, the first account sends 250 units of actual resources to the server, so that after receiving the actual resources sent by the first account, the server converts the actual resources into a corresponding number of virtual resources, that is, into 500 units of virtual resources, and allocates the virtual resources to the first account, so that the amount of virtual resources of the first account at this time is 1000.

For a second account as a receiving party, the second account may convert the virtual resources obtained by the second account into a corresponding amount of actual resources, and in such a scenario, the method further includes: and receiving a resource conversion request which is sent by a second account and carries the virtual resource amount, converting the virtual resources corresponding to the virtual resource amount to be converted into actual resources with a matched amount in the virtual resources of the second account according to the resource conversion request, and sending the actual resources to the second account.

For example: assuming that the second account sends a request to the server to convert 500 units of virtual resources sent by the first account, after receiving the request, the server obtains 500 units of virtual resources from the virtual resources of the second account according to the resource amount conversion ratio (assuming that the resource amount conversion ratio in the above example is still used), converts the 500 units of virtual resources into 250 units of actual resources, and sends the 250 units of actual resources to the second account.

Here, if the original virtual resources in the second account are not used, the total amount of the virtual resources in the second account is assumed to be 1000, and the total amount of the virtual resources in the second account is 1500 at this time since 500 units of the virtual resources transmitted by the first account are received. On this basis, if the amount of virtual resources to be converted by the second account is 500 (or less than 500), the second account does not need to send actual resources to the server after obtaining corresponding actual resources (it can be considered that the virtual resources allocated to the second account by the service provider are not used). When the amount of virtual resources converted by the second user exceeds 500, this indicates that the second user has used virtual resources allocated to the second account by the service provider, so in such a case, the second account needs to send a corresponding amount of actual resources to the server to supplement the virtual resources it uses.

As a mode in this embodiment of the application, in a case that the second account does not perform resource conversion, if the second user using the second account obtains a corresponding business service from another user, the second user may use a virtual resource in the second account of the second user to perform resource transfer to the account of the other user. Similarly, if the second account transfers virtual resources to other accounts, if the virtual resources previously allocated by the service provider are used, then the second account needs to send a corresponding amount of actual resources to the server to supplement the virtual resources it uses.

For the process of requesting to convert virtual resources by the second account, it indicates that the second user is going to use actual resources, and at this time, as a manner in this embodiment of the present application, the actual resources to be converted by the second account may be provided by the first account, in this case, the virtual resources corresponding to the amount of the virtual resources to be converted are converted into actual resources of a matching amount, and before the actual resources are sent to the second account, the method further includes: and determining that the actual resource which is sent by the first account and is matched with the actual resource amount contained in the resource transfer request is received.

That is, after receiving the resource conversion request sent by the second account, the server preferentially obtains a corresponding number of actual resources from the actual resources sent by the first account according to the number of the actual resources to be converted by the second account, and sends the actual resources to the second account. It should be noted that, as can be seen from the above, the actual resource sent by the first account to the server is a virtual resource used to supplement the first account, and after the server receives the actual resource sent by the first account, the actual resource is converted into a corresponding amount of virtual resource and is supplemented to the first account, that is, for the first account, the virtual resource used by the server is supplemented by the actual resource, which may be regarded as an "equivalent exchange," and the actual resource sent by the first account to the server is stored by the server (which may be stored by a specific account inside the server, which is not specifically limited herein). Therefore, if the server receives the resource conversion request of the second account, the server can send the actual resource sent by the first account to the second account.

In practical applications, the following may occur: in order to reduce or avoid the occurrence of the situation, in this embodiment of the present application, the resource transfer request further includes an actual resource sending time limit, and before the virtual resource corresponding to the amount of the virtual resource is obtained from the virtual resource pre-allocated to the first account and sent to the second account, the method further includes: and receiving a resource conversion time limit sent by a second account, and determining that the actual resource sending time limit does not exceed the resource conversion time limit.

In other words, when the second account receives the virtual resource sent by the first account, the second user will usually specify the time when the second user needs to perform resource conversion, so as to remind the first user to send the actual resource to the server through the first account before the time, so that the second user can use the actual resource. Therefore, the actual resource transmission time limit transmitted by the first account needs not to exceed the resource conversion time limit of the second account.

In addition, in this embodiment of the present application, the first account represents a sender account, and correspondingly, the second account represents a receiver account. That is, when a user performs a resource transfer operation to an account of another user through the account of the user, the account that transmits the resource transfer operation is the first account, and the account that receives the transferred resource is the second account. When the current first account receives the virtual resources sent by other accounts, the first account is converted into the account of the receiving party, namely, the first account is converted into the second account at the moment. Accordingly, for the second account, when it sends virtual resources to the other accounts, it will transition to the first account. And are not to be construed as limiting the application herein.

To sum up, in an actual scenario, after a first user obtains a corresponding service from a second user, the first user may use its own first account to initiate resource transfer to the second account, so as to transfer a corresponding amount of resources to the second account, and in the process of resource transfer, the server may convert actual resources to be transferred into a corresponding amount of virtual resources according to a resource transfer request of the first account, and transfer the virtual resources to the second account, so that, in the process of resource transfer, no additional consumption of resources is generated, and virtual resources received by the second account may still be converted into a corresponding amount of actual resources for the second user to use.

The method described above in the present application is also applicable to a service architecture of person-to-person electronic commerce (Customer to Customer) in practical applications. For clearly explaining the above resource processing process, a scenario in which the actual resource is money and the virtual resource is account credit is described.

In this scenario, the first user may obtain the service provided by the second user, at this time, the first user needs to pay a corresponding amount to the second user, but the first user may generate an additional fee in the process of paying an amount to the second account of the second user through the first account. In order to avoid or reduce the generation of extra cost in the payment process, the embodiment of the present application further provides a resource processing method, as shown in fig. 2, which specifically includes the following steps:

s201, receiving a payment request sent by a first account, wherein the payment request comprises a money amount to be paid and a second account for receiving money.

S202: and determining a credit value corresponding to the money amount according to the money amount.

S203: and acquiring account credit corresponding to the credit value from account credits pre-allocated to the first account, and sending the account credit to the second account so that the second account converts the account credit into a money with a matching amount.

For the above method, the service provider will allocate corresponding account credits to the accounts of different users, and as mentioned above, the account credit of each account may be determined according to a variety of factors, such as the account level of different accounts, the historical payment condition, and the like, and this does not constitute a limitation of the present application. In the embodiment of the application, in the process of making payment, the account information may be used to make payment instead of actual money, that is, when a first account is to pay a corresponding money to a second account, the server may obtain account credits corresponding to credit values from account credits of the first account according to the money to be paid by the first account, and send the account credits to the second account, so that the credit value accumulation of the account credits of the second account is increased.

It should be noted here that, in the application scenario described above, the service provider may be a bank, a website with an internet banking function, or the like. The account credits of the different accounts may be allocated by the service provider for the different accounts, or may be requested by the accounts, and the server allocates the account credits according to the requested accounts, which is not limited herein. In addition, account credit of the first account transferred to the second account can be realized by adopting a corresponding electronic bill.

In the application scenario, similar to the foregoing, the actual amount of money and the account credit may also be determined by the set resource amount conversion ratio, and will not be described in detail herein.

Through the above steps, the first user can pay the second account with the account credit of the first account as a kind of "money" without transferring the actual money through the first account, that is, the first user uses the account credit of the first account, so the first user needs to supplement the account credit of the first account, therefore, the method further comprises: receiving the money sent by the first account, converting the determined amount of the money into account credit with a corresponding amount, and distributing the converted account credit to the first account.

For a second account that receives account credit, the account credit it obtains may be converted to an actual payment, and therefore the method further comprises: receiving a money conversion request sent by a second account, wherein the money conversion request comprises a credit value to be converted, converting the credit value to be converted into a corresponding money in the account credit of the second account according to the money conversion request, and sending the corresponding money to the second account.

Further, before converting the account credit corresponding to the credit value to be converted into the corresponding actual resource and sending the actual resource to the second account, the method further includes: and determining that the received money which is sent by the first account and is matched with the money amount contained in the payment request.

For example: assume account credits in the first account and the second account are 1000, respectively. After the first user obtains the corresponding business service from the second user, the first user needs to transfer 500 yuan money to the second user. At this point, the first user may issue a payment request to the second user's second account using their first account to request 500 dollars for payment. Meanwhile, assuming that the conversion ratio of the account credit and the money is 1:1, when the server receives the payment request, the account credit is converted into 500 units of account credit, and the account credit is deducted from the account credit of the first account and sent to the second account. At this time, the account credit of the first account is 500 and the account credit of the second account is 1500.

The first account sends 500 dollars to the server at a time, and then the server converts the 500 dollars sent by the first account into 500 units of account credit to be allocated to the first account. Thus, at this point the account credit in the first account is 1000.

The second account sends a money conversion request to the server at a certain time to request for converting 500 yuan of money, and then the server sends the received 500 yuan of money sent by the first account to the second account and deducts 500 yuan of account credit from the second account, so that the account credit of the second account is 1000 at this time.

It should be noted that, in a manner of the embodiment of the present application, assuming that different accounts are to obtain account credit, an application needs to be issued to the server, in such a case, for the second account, if the second account has not issued a request, that is, the second account does not have account credit, but the second account has received the account credit sent from the first account, then it may be assumed that, the account credit of the second account at this time is the account credit sent by the first account, and since it has not made any application to the server, this second account does not, therefore, have the right to convert the actual money, in other words, the second user can transfer to another account using the current account credit in his second account, to obtain the corresponding business service, but the second user is not able to transfer the actual money to the server.

As can be seen from the above example, the payment request sent by the second account indicates that the second user needs to use the corresponding money, which needs the money sent by the first account, and based on this, in this embodiment of the present application, the payment request further includes a money sending time limit, and before obtaining an account credit corresponding to the credit value from account credits pre-allocated to the first account and sending the account credit to the second account, the method further includes: receiving the money conversion time limit sent by the second account, and determining that the money sending time limit does not exceed the money conversion time limit.

Of course, if the first account does not send money to the server before the money conversion time limit, the server may pay the actual money to the second account in advance, and receive the money sent by the first account in the subsequent process, which does not constitute a limitation of the present application.

Based on the same idea, the resource processing method provided in the embodiment of the present application further provides a resource processing apparatus, as shown in fig. 3.

In fig. 3, the resource processing apparatus includes:

a receiving module 301, configured to receive a resource transfer request sent by a first account, where the resource transfer request includes an actual resource amount to be transferred and a second account serving as a resource transfer target;

a determining module 302, configured to determine, according to the actual resource amount, a virtual resource amount corresponding to the actual resource amount;

the resource transfer module 303 is configured to acquire a virtual resource corresponding to the virtual resource amount from a virtual resource pre-allocated to the first account, and send the virtual resource to the second account, so that the second account converts the virtual resource into a corresponding actual resource.

The determining module 302 is specifically configured to convert the determined actual resource amount into a virtual resource amount of a matching number according to a set resource amount conversion ratio.

The device further comprises: a first conversion module 304, configured to receive the actual resource sent by the first account, convert the received actual resource into a corresponding virtual resource, and allocate the virtual resource to the first account.

The device further comprises: the second conversion module 305 is configured to receive a resource conversion request carrying the virtual resource amount sent by a second account, convert, according to the resource conversion request, a virtual resource corresponding to the virtual resource amount to be converted into an actual resource with a matching amount in the virtual resource of the second account, and send the actual resource to the second account.

The second conversion module 305 is further configured to determine, before converting the virtual resources corresponding to the amount of the virtual resources to be converted into actual resources with a matching amount and sending the actual resources to the second account, that the actual resources sent by the first account and matching the amount of the actual resources included in the resource transfer request are received.

The resource transfer request further includes an actual resource sending time limit, and the apparatus further includes: a time limit module 306, configured to receive a resource conversion time limit sent by the second account before acquiring the virtual resource corresponding to the virtual resource amount from the virtual resource pre-allocated to the first account and sending the virtual resource to the second account, and determine that the actual resource sending time limit does not exceed the resource conversion time limit.

In a scenario based on the C2C service architecture, an embodiment of the present application further provides a resource processing apparatus, as shown in fig. 4, including:

a receiving module 401, configured to receive a payment request sent by a first account, where the payment request includes a money amount to be paid and a second account receiving money;

a determining module 402, configured to determine, according to the money amount, a credit value corresponding to the money amount;

the resource transfer module 403 is configured to obtain an account credit corresponding to the credit value from account credits pre-allocated to the first account, and send the account credit to the second account, so that the second account uses the account credit to convert the account credit into a money with a matching amount.

The device further comprises: a first conversion module 404, configured to receive the money sent by the first account, convert the determined amount of the money into an account credit with a set amount, and allocate the converted account credit to the first account.

The device further comprises: the second conversion module 405 is configured to receive a money conversion request sent by a second account, where the money conversion request includes a credit value to be converted, convert the credit value to be converted into a money with a matching amount in an account credit of the second account according to the money conversion request, and send the money conversion request to the second account.

The second conversion module 405 is further configured to determine that a payment sent by the first account and matched with the payment amount included in the payment request is received before converting the account credit corresponding to the credit value to be converted into a corresponding actual resource and sending the actual resource to the second account.

The payment request further comprises a money sending time limit, and the device further comprises a time limit module 406, which is used for acquiring account credit corresponding to the credit value from account credit pre-allocated to the first account, receiving money conversion time limit sent by the second account before sending the account credit to the second account, and determining that the money sending time limit does not exceed the money conversion time limit.

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

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

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

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

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

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for processing resources, comprising:

2. The method of claim 1, wherein determining the amount of virtual resources corresponding to the actual amount of resources comprises:

and converting the determined actual resource quantity into the virtual resource quantity with the matched quantity according to the set resource quantity conversion proportion.

3. The method of claim 1, wherein the method further comprises:

receiving the actual resources sent by the first account;

and converting the received actual resources into corresponding virtual resources and distributing the virtual resources to the first account.

4. The method of claim 1, wherein the method further comprises:

receiving a resource conversion request which is sent by a second account and carries the virtual resource amount;

and according to the resource conversion request, converting the virtual resources corresponding to the amount of the virtual resources to be converted into actual resources with the matched amount in the virtual resources of the second account, and sending the actual resources to the second account.

5. The method of claim 4, wherein before converting the virtual resource corresponding to the amount of virtual resource to be converted into a matching amount of actual resource and sending the matching amount of actual resource to the second account, the method further comprises:

and determining that the actual resource which is sent by the first account and is matched with the actual resource amount contained in the resource transfer request is received.

6. The method of claim 1, wherein the resource transfer request further includes an actual resource transmission time limit;

before the virtual resource corresponding to the virtual resource amount is acquired from the virtual resource pre-allocated to the first account and sent to the second account, the method further includes:

receiving a resource conversion time limit sent by a second account;

determining that the actual resource transmission time limit does not exceed the resource conversion time limit.

7. A method for processing resources, comprising:

8. The method of claim 7, wherein the method further comprises:

receiving money sent by the first account;

and converting the received money into corresponding account credit and distributing the credit to the first account.

9. The method of claim 7, wherein the method further comprises:

receiving a money conversion request carrying a credit value sent by a second account;

and according to the money conversion request, converting account credit corresponding to the credit value to be converted into the matched amount of money in the account credit of the second account, and sending the money to the second account.

10. The method of claim 7, wherein before converting the account credit corresponding to the credit value to be converted into the corresponding actual resource and sending the actual resource to the second account, the method further comprises:

and determining that the received money which is sent by the first account and is matched with the money amount contained in the payment request.

11. The method of claim 7, wherein the payment request further includes a money transmission time limit;

before acquiring the account credit corresponding to the credit value from the account credits pre-allocated to the first account and sending the account credit to the second account, the method further includes:

receiving a money conversion time limit sent by a second account;

and determining that the money sending time limit does not exceed the money conversion time limit.

12. A resource processing apparatus, comprising:

13. The apparatus according to claim 12, wherein the determining module is specifically configured to convert the determined actual resource amount into the virtual resource amount of the matching amount according to a set resource amount conversion ratio.

14. The apparatus of claim 12, wherein the apparatus further comprises: and the first conversion module is used for receiving the actual resources sent by the first account, converting the received actual resources into corresponding virtual resources and distributing the virtual resources to the first account.

15. The apparatus of claim 12, wherein the apparatus further comprises: and the second conversion module is used for receiving a resource conversion request which is sent by a second account and carries the virtual resource amount, converting the virtual resources corresponding to the virtual resource amount to be converted into actual resources with a matched amount in the virtual resources of the second account according to the resource conversion request, and sending the actual resources to the second account.

16. The apparatus of claim 15, wherein the second conversion module is further configured to determine that the actual resource sent by the first account and matching the actual resource amount included in the resource transfer request is received before converting the virtual resource corresponding to the virtual resource amount to be converted into the matching amount of actual resource and sending the matching amount of actual resource to the second account.

17. The apparatus of claim 12, wherein the resource transfer request further includes an actual resource transmission time limit, and the apparatus further includes a time limit module, configured to receive a resource conversion time limit sent by a second account before acquiring a virtual resource corresponding to the amount of the virtual resource from a virtual resource pre-allocated to a first account and sending the virtual resource to the second account, and determine that the actual resource transmission time limit does not exceed the resource conversion time limit.

18. A resource processing apparatus, comprising:

19. The apparatus of claim 18, wherein the apparatus further comprises: and the first conversion module is used for receiving the money sent by the first account, converting the received money into corresponding account credit and distributing the account credit to the first account.

20. The apparatus of claim 18, wherein the apparatus further comprises: and the second conversion module is used for receiving a money conversion request which is sent by a second account and carries a credit value, converting account credit corresponding to the credit value to be converted into a matched amount of money in account credit of the second account according to the money conversion request, and sending the money to the second account.

21. The apparatus of claim 18, wherein the second conversion module is further configured to determine that the payment sent by the first account is received and matches the amount of the payment included in the payment request before converting the account credit corresponding to the credit value to be converted into the corresponding actual resource and sending the actual resource to the second account.

22. The apparatus of claim 18, wherein the payment request further includes a money transmission time limit, and the apparatus further comprises a time limit module for receiving a money conversion time limit transmitted from a second account before acquiring account credits corresponding to the credit value from account credits pre-allocated to a first account and transmitting the account credits to the second account, and determining that the money transmission time limit does not exceed the money conversion time limit.