CN112308719B - Virtual resource acquisition method, device, server and storage medium - Google Patents
Virtual resource acquisition method, device, server and storage medium Download PDFInfo
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Abstract
The invention discloses a virtual resource acquisition method, a device, a server and a storage medium, and belongs to the technical field of networks. The method comprises the following steps: and finally, transferring the converted value resource of each target second virtual resource to an account corresponding to the target second virtual resource. Based on the resource acquisition in the process, a virtual resource acquisition mode with less time consumption and high efficiency is provided for a user, and the situation that the trading platform holds the second virtual resource can be better controlled.
Description
Technical Field
The present invention relates to the field of network technologies, and in particular, to a method, an apparatus, a server, and a storage medium for obtaining virtual resources.
Background
In the current time of economic high-speed development, along with the gradual implementation of a series of national financial policies, the development space of the investment financial market is wider and wider, and various types of financial products are appeared, wherein the types of the financial products can comprise e.g. stir-frying, fund, stocks, national debt and the like, the financial products can be regarded as virtual resources, and a trading platform of the virtual resources can be provided on the Internet at present so as to enable users to acquire the virtual resources.
At present, taking virtual resources as funds, the internet platform provides various fund products, and users can directly select the fund products on the platform. The platform will typically set a purchase limit for each of the fund products to control the total daily amount of purchases for each of the fund products, i.e., when a user wants to purchase a certain fund product, the purchase can only be made within the purchase limit, and if the purchase limit for that fund product has been reached on the same day, the purchase cannot be made.
Based on the above-mentioned virtual resource obtaining method, the user wants to obtain a certain virtual resource, still taking the fund product as an example, the user needs to browse the stock information of each fund product and then select a certain fund product for purchase, and when the user wants to purchase a plurality of fund products, the browsing, selecting and purchasing processes need to be executed next to each other, so that the requirement on the professional knowledge of the user is high, the time consumption of the whole process is long, and the purchasing efficiency is low.
Disclosure of Invention
The embodiment of the invention provides a method, a device, a server and a storage medium for obtaining virtual resources, which can solve the problems of long time consumption and low efficiency when a user obtains the virtual resources in the related technology. The technical scheme is as follows:
In one aspect, a method for obtaining a virtual resource is provided, where the method includes:
acquiring first virtual resource transaction information of a user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of copies of first virtual resources through a target value resource;
determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the conversion priority, unit value and inventory information of the target value resources and the plurality of second virtual resources;
and transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number of the target second virtual resources and the unit value, so as to obtain target second virtual resources corresponding to the conversion number.
In one aspect, there is provided a virtual resource acquisition apparatus, the apparatus including:
the system comprises an acquisition module, a target value resource acquisition module and a storage module, wherein the acquisition module is used for acquiring first virtual resource transaction information of a user, and the first virtual resource transaction information is used for indicating the user to purchase a first number of copies of first virtual resources through the target value resources;
the determining module is used for determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resources, the conversion priorities of the plurality of second virtual resources, the unit value and the inventory information;
And the transfer module is used for transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number of the target second virtual resources and the unit value so as to acquire the target second virtual resources corresponding to the conversion number.
In one possible implementation, the conversion priority of the plurality of second virtual resources is determined based on a unit benefit of the plurality of second virtual resources, the higher the unit benefit, the higher the conversion priority.
In one possible implementation, the apparatus further includes: the first determining module is used for determining a second virtual resource with the current convertible value meeting the target value resource as the target second virtual resource from the plurality of second virtual resources according to the conversion priority, the unit value and the inventory information of the target value resource and the conversion priority from high to low; and determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
In one possible implementation, the apparatus further includes: the second determining module is used for determining a second virtual resource with the current convertible value which cannot meet the target value resource and the inventory information which is not 0 as the target second virtual resource of the preferred resource from the plurality of second virtual resources according to the target value resource, the conversion priority, the unit value and the inventory information of the plurality of second virtual resources; determining at least one target second virtual resource as a supplemental resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; and respectively determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource.
In one possible implementation, the apparatus further includes: the third determining module is used for obtaining target value proportions among a plurality of target second virtual resources corresponding to the first virtual resources; and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
In one possible implementation, the apparatus further includes: the resource transfer module is used for generating a trade bill of the current trade, and the trade bill is used for indicating the first number of copies of the first virtual resource and the conversion number of copies of the at least one target second virtual resource; every preset time length, respectively determining converted value resources of each target second virtual resource according to a transaction list of completed transactions within the preset time length, and checking whether the sum of the target value resources corresponding to the first virtual resources and the converted value resources of each target second virtual resource is the same; and transferring the converted value resources of each target second virtual resource to the account corresponding to the target second virtual resource.
In one aspect, a server is provided that includes one or more processors and one or more memories having stored therein at least one program code loaded and executed by the one or more processors to implement a virtual resource acquisition method as described above.
In one aspect, a computer readable storage medium having stored therein at least one program code loaded and executed by a processor to implement a virtual resource acquisition method as described above is provided.
The technical scheme provided by the embodiment of the invention has the beneficial effects that at least the following steps are included: and finally, transferring the converted value resource of each target second virtual resource to an account corresponding to the target second virtual resource. Based on the resource acquisition in the process, a virtual resource acquisition mode with less time consumption and high efficiency is provided for a user, and the situation that the trading platform holds the second virtual resource can be better controlled.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a block diagram of a resource service system 100 according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for obtaining virtual resources according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of an inter-account resource transfer process according to an embodiment of the present invention;
FIG. 4 is a flow chart of an alternative method of step 202 provided by an embodiment of the present invention;
FIG. 5 is a flow chart of another alternative method of step 202 provided by an embodiment of the present invention;
FIG. 6 is a flow chart of a FOF-based fund purchasing method provided by an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a virtual resource obtaining apparatus according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings.
Virtual resources, which are online financial products such as fried money, funds, stocks, national bonds, etc., can be obtained on an internet trading platform.
Value resources, which refer to resources used to measure the value of virtual resources, may include monetary resources such as Renminbi, dollars, euro, and the like.
The first virtual resource refers to a virtual resource directly purchased by a user, such as a parent fund, etc., and can be converted into at least one second virtual resource.
The second virtual resource refers to a resource converted by the first virtual resource, such as stock funds, bond funds, and the like.
The parent Fund (Fund of Funds, FOF) is a Fund that is dedicated to invest in other securities. The parent funds do not directly invest stocks or bonds, the investment scope is limited to other funds, and stock, bonds and other security assets are indirectly held by holding other security investment funds, so that the parent funds are novel varieties of funds combining innovation of the fund products and innovation of sales channels.
Fig. 1 is a block diagram of a resource service system 100 according to an embodiment of the present invention. The resource service system 100 includes: a terminal 110 and a resource service platform 140.
The terminal 110 is connected to the resource service platform 140 through a wireless network or a wired network. The terminal 110 may be a mobile terminal, for example, the mobile terminal may be at least one of a smart phone, a game console, a desktop computer, a tablet computer, an electronic book reader, an MP3 player, an MP4 player, and a laptop portable computer. The terminal 110 installs and runs an application supporting a resource service. The application program can be any one of a virtual resource transaction program, a social application program, an instant messaging application program and an information sharing program. Illustratively, the terminal 110 is a terminal used by a user, and a user account may be logged into an application running in the terminal 110.
The resource service platform 140 may include at least one of a server, a plurality of servers, a cloud computing platform, and a virtualization center. Optionally, the resource service platform 140 includes: a resource information server, a user information database, a virtual resource database, etc. The resource information server is used to provide the virtual resource acquisition service to the terminal 110. The resource information server may be one or more. When the resource information server is a plurality of resource information servers, at least two resource information servers are used for providing different services, and/or at least two resource information servers are used for providing the same service, such as providing the same service in a load balancing manner, the embodiment of the invention is not limited thereto. The user information database is used for storing user information of the resource service platform, and the virtual resource database is used for providing virtual resource data so as to provide functions such as virtual resource transaction for the terminal. Of course, the resource service platform 140 may also include other functional servers to provide more comprehensive and diverse services.
Terminal 110 may refer broadly to one of a plurality of terminals, with the present embodiment being illustrated only by terminal 110. Those skilled in the art will recognize that the number of terminals may be greater or lesser. For example, the number of the terminals may be only one, or the number of the terminals may be tens or hundreds, or more, where the resource service system further includes other terminals. The embodiment of the invention does not limit the number of terminals and the equipment type.
Fig. 2 is a flowchart of a virtual resource obtaining method according to an embodiment of the present invention. The execution body of the embodiment of the invention is a server, referring to fig. 2, the method includes:
201. the server obtains first virtual resource transaction information of the user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of copies of first virtual resources through the target value resources.
In one possible implementation manner, the server creates a user account on the transaction platform for the user, when the server receives a first virtual resource acquisition request sent by the user, the first virtual resource acquisition request may be a first virtual resource for requesting to acquire a first number of copies, and when the server detects that the user has completed a resource transfer operation for the first virtual resource of the first number of copies, that is, the user has transferred a corresponding target value resource to the transaction platform, the server transfers the first virtual resource of the first number of copies to the user account, thereby completing a transaction of the first virtual resource. For example, the server receives a request sent by the user to purchase 100 financial products, and after the user transfers the corresponding applied amount of 100 financial products to the account of the transaction platform, the server transfers the 100 financial products to the user account.
In one possible implementation manner, the virtual resource transferring process mentioned in the embodiment of the present invention is only illustrated by taking inter-account resource transferring as an example, fig. 3 is a schematic diagram of an inter-account resource transferring process provided in the embodiment of the present invention, a user account is a personal account used by a user when a platform performs a transaction, a first account is a platform account and may be used to store a total target value resource corresponding to a first virtual resource, a second account is a middle account on the platform and is used to check whether the resource transferring process is correct, and an account corresponding to a target second virtual resource is an account used by each virtual resource company when performing a transaction on the transaction platform. Step 201 involves only the process of transferring resources from the user account to the first account in fig. 3, and the user account involved in one of the first virtual resource transactions may be any one of the user accounts A, B, C in fig. 3, where the process of transferring resources from the user account to the first account may include: and when one first virtual resource transaction is completed, transferring the target value resource in the user account to the first account in real time.
In addition, the server can perform value-added calculation on the credit value of the user every time the user finishes a first virtual resource transaction, wherein the credit value of the user is used for indicating the integrity of the user. Based on the credit value of the user, the user can enjoy certain priority service, for example, when the server receives the first virtual resource acquisition requests sent by more than two users within a certain time period, the credit values of the sending request users are compared, and the first virtual resource acquisition requests of the users are sequentially processed according to the order of the credit values of the users from large to small, so that the use experience of the users with higher credit values is improved.
In one possible implementation, the above-described process may include: the server receives a first virtual resource acquisition request of a user, extracts a resource identifier and a first number of copies carried by the first virtual resource acquisition request, determines a value resource to be paid according to the resource identifier and the first number of copies, generates a payment page based on the value resource to be paid, and binds the first virtual resource of the first number of copies with the user account after detecting that the user finishes payment based on the payment page, thereby completing acquisition of the first virtual resource. The server may determine, according to the resource identifiers of the first virtual resources, resource identifiers of a plurality of second virtual resources bound to the resource identifiers, and execute subsequent steps based on the resource identifiers of the plurality of second virtual resources and conversion priorities corresponding to the second virtual resources.
202. The server determines a second virtual resource with the current convertible value meeting the target value resource as the target second virtual resource from the plurality of second virtual resources according to the conversion priority, the unit value and the inventory information of the target value resource and the conversion priority from high to low.
Wherein the conversion priority of the plurality of second virtual resources may be determined based on a unit benefit of the plurality of second virtual resources, the higher the unit benefit, the higher the conversion priority. The unit value refers to a conversion value of the second virtual resource, that is, a unit price of the second virtual resource. The inventory information refers to the current number of translatable copies of the second virtual resource, i.e., the current number of purchasable copies of the second virtual resource.
Wherein, the specific process of determining a second virtual resource with a current invertible value satisfying the target value resource as the target second virtual resource according to the order of the conversion priority from high to low may include the following steps 202A to 202C:
step 202A, determining the product of the unit value and the inventory information of the second virtual resource with the highest conversion priority as the first current convertible value, that is, determining the product of the unit price and the number of purchasable items of the second virtual resource with the highest conversion priority as the first current convertible value, for example, the unit price of the financial product with the highest conversion priority is 1000 yuan/serving, the number of purchasable items is 500 serving, and the first current purchasable amount is 1000×500=50 ten thousand yuan. The first current convertible value is compared with a target value resource corresponding to the first virtual resource.
Step 202B, when the first current transformable value is greater than or equal to the target value resource corresponding to the first virtual resource, determining the second virtual resource with the highest transformation priority as the target second virtual resource. For example, if the financial product a is purchased for 5000 yuan and the current available amount of the financial product B1 with the highest priority is 8000 yuan, the current available amount of the financial product B1 is larger than the financial product a, and the financial product B1 with the highest priority is determined as the target financial product.
Step 202C, when the first current transformable value is smaller than the target value resource corresponding to the first virtual resource, obtaining a second current transformable value of the second virtual resource with the transformation priority lower by one level, and executing the comparison and determination process based on the newly obtained current transformable value. It should be noted that, the type of the second virtual resource into which the first virtual resource can be converted is determined before the resource is transferred, and when the first current convertible value is smaller than the target value resource corresponding to the first virtual resource, the first current convertible value may be selected from the determined second virtual resources according to the conversion priority order. For example, the current available amount of a financial product B1 with the highest priority is 3000 yuan, the current available amount of the financial product B1 is smaller than the available amount of the financial product a, the current available amount of a financial product B2 with a lower priority is 6000 yuan, the current available amount of the financial product B2 is larger than the available amount of the financial product a, and the financial product B2 with a lower priority is determined as the target financial product.
It should be noted that, setting the conversion priority can provide a basis for determining the order of the target second virtual resources, and the instructive setting of the conversion priority on the platform can ensure that the user can obtain the virtual resources with higher benefits preferentially.
203. The server determines the ratio of the target value resource to the unit value as the number of conversion copies of the target second virtual resource.
For example, if the first financial product has a value of 5000 yuan and the target second financial product has a unit price of 100 yuan per serving, the number of the second financial product to be purchased is 5000/100=50 serving.
In the steps 202 and 203, the server may compare conversion priorities corresponding to the plurality of second virtual resources to determine a processing order, for example, according to a resource identifier of a second virtual resource with a largest conversion priority assignment, obtain a unit value and inventory information corresponding to the second virtual resource from a database, determine whether to obtain the second virtual resource based on the unit value and inventory information, if yes, determine the number of conversion based on step 203, and if no, obtain a second virtual resource with a lower conversion priority, and continue to perform the determining step until a second virtual resource capable of meeting the conversion requirement is obtained.
204. The server generates a trade order for the current trade, the trade order indicating the first number of copies of the first virtual resource and the converted number of copies of the at least one target second virtual resource.
In one possible implementation, the transaction order may include a merchant number, a conversion order number, and a conversion number of the first virtual resource and the at least one target second virtual resource. The merchant number is used for indicating the types of the first virtual resource and the at least one target second virtual resource, the conversion list number is used for marking the sequence of the transaction, the transaction is convenient to be fetched later, the conversion number is used for recording the first number of the first virtual resource and the conversion number of the at least one target second virtual resource, and a basis is provided for the subsequent checking process.
It should be noted that the transaction order can accurately record the situation of each transaction, provide check certificates for the subsequent resource transfer process, and avoid the situation that no evidence is available when the resource transfer is wrong.
205. The server respectively determines converted value resources of each target second virtual resource according to a transaction list of completed transactions within the preset time period every other preset time period, and checks whether the sum of the target value resources corresponding to the first virtual resource and the converted value resources of each target second virtual resource is the same.
The preset time period may be 24 hours, or may be other time periods meeting the actual virtual resource settlement requirement, which is not limited by the present invention.
The specific process of respectively determining the converted value resources of each target second virtual resource according to the transaction list of the completed transactions within the preset time length may include: finding a trade bill containing the same target second virtual resource, summing the conversion number of each target second virtual resource in the trade bill, and multiplying the conversion number by the unit value corresponding to each target second virtual resource to obtain the converted value resource of the target second virtual resource. For example, all the trade orders related to the financial product A are found first, the number of the purported items recorded in the trade orders is summed up, and then multiplied by the unit price of the financial product A to obtain the total purported amount of the financial product.
The specific process of checking whether the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is the same may include: and summing the target value resources corresponding to the first virtual resources in all the trade slips to obtain total converted value resources of the first virtual resources, and comparing the total converted value resources of the first virtual resources with the sum of converted value resources of each target second virtual resource.
The process of checking before transferring the resource in step 205 can ensure the accuracy of transferring the resource, avoid the occurrence of error but neglected condition of transferring the resource, and prevent unnecessary economic loss.
206. When the target value resource corresponding to the first virtual resource is equal to the sum of the converted value resources of each target second virtual resource, the server transfers the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource.
The specific process of transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource may include: and determining accounts corresponding to each target second virtual resource, and transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource. It should be noted that, there may be a case where multiple types of the target second virtual resources correspond to one account, at this time, the converted value resources of multiple types of the target second virtual resources corresponding to the account are summed up, the total converted value resources of multiple types of the target second virtual resources corresponding to the account are determined, and then the converted value resources are transferred to the account.
In one possible implementation, as shown in fig. 3, the resource transfer procedure involved in step 206 may include: and transferring the total target value resources corresponding to the first virtual resources in the first account to the second account, and then respectively transferring the total target value resources in the second account to the accounts corresponding to each target second virtual resource. The embodiment of the present invention is described only by taking the example that the resource transferring process from the first account to the second account is executed in step 206, and may also be executed in any of the steps 202 to 205, which is not limited by the present invention.
In addition, each account corresponding to the target second virtual resource refers to an account of a company corresponding to the second virtual resource on the platform, and before transferring the value resource in the account on the platform to the account of the company, the following steps may be performed:
and determining the value resources transferred from the first account to the second account as first transferred value resources, determining the sum of the value resources transferred from the second account to the accounts corresponding to each target second virtual resource as second transferred value resources, and checking the first transferred value resources and the second transferred value resources. When the first transferred value resource is equal to the second transferred value resource, the value resource in the account on the platform can be transferred to the account of the company; when the first transferred value resource is not equal to the second transferred value resource, an alarm is triggered, all accounts related to the transaction are locked, the resource transfer data of the accounts are submitted to a platform for manual check, the account is unlocked after the manual check is passed, and the value resource in the accounts on the platform corresponding to each target second virtual resource is transferred to the account of the company.
The first transferred value resource and the second transferred value resource are checked, so that the accuracy of the value resource transferred to the account of the company can be ensured, and economic disputes between the platform and the virtual resource company caused by errors in the resource transfer process are avoided.
It should be noted that, step 206 is only described by taking an example when the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is equal, in one possible implementation manner, when the sum of the target value resource corresponding to the first virtual resource and the converted value resource of each target second virtual resource is not equal, an alarm is triggered, all accounts involved in the transaction are locked, the corresponding transaction list is submitted to the platform for manual checking, waiting for the manual checking to pass, releasing the account locking, and continuing to perform the step of transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource.
In addition, steps 204 to 206 are used for transferring the target value resource to the account corresponding to the at least one target second virtual resource according to the number of conversion copies and the unit value of each target second virtual resource, so as to obtain the target second virtual resource corresponding to the number of conversion copies. The converted value resource of each target second virtual resource is determined by taking a trade bill of which trade is completed within a preset time period as an example, and in other possible implementation manners, the converted value resource of each target second virtual resource may be determined after the trade bill reaches the target number, or may be determined in real time along with generation of the trade bill, and the invention is not limited to the determination time.
The method provided by the embodiment of the invention comprises the steps of firstly obtaining the transaction information of the first virtual resource of the user, then determining the target second virtual resource and the corresponding conversion number, generating a transaction bill, carrying out resource transfer check based on the transaction bill, and finally carrying out resource transfer on the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource. Based on the resource acquisition in the process, a virtual resource acquisition mode with less time consumption and high efficiency is provided for a user, the holding condition of the transaction platform on the second virtual resource can be better controlled, and further, the verification is carried out before the resource transfer, so that the accuracy of the resource transfer is ensured.
In addition, step 202 is a specific embodiment of determining at least one target second virtual resource and the number of conversion copies of each target second virtual resource according to the conversion priority, unit value and inventory information of the target value resource, and in other possible implementations, as shown in fig. 4, the following implementations of steps 401 to 403 may be used instead of step 202.
401. The server determines a second virtual resource with the current convertible value which cannot meet the target value resource and the inventory information which is not 0 as the target second virtual resource of the preferred resource from the plurality of second virtual resources according to the target value resource, the conversion priority, the unit value and the inventory information of the plurality of second virtual resources.
The product of the unit value and the inventory information of the second virtual resource with the highest conversion priority is determined as a first current convertible value, that is, the product of the unit price and the number of purchasable items of the second virtual resource with the highest conversion priority is determined as the first current convertible value, the first current convertible value should be smaller than the target value resource corresponding to the first virtual resource, and the second virtual resource with the highest conversion priority is determined as the target second virtual resource of the preferred resource. For example, if the corresponding purchase amount of the financial product a is 5000 yuan and the current available amount of the financial product B1 with the highest conversion priority is 2000 yuan, the financial product B1 with the highest conversion priority is determined as the preferred target financial product.
It should be noted that, in this embodiment, only when the first current invertible value is smaller than the target value resource corresponding to the first virtual resource, in other possible implementations, when the first current invertible value is greater than or equal to the target value resource corresponding to the first virtual resource, the second virtual resource with the highest conversion priority is determined to be the target second virtual resource of the preferred resource, and steps 402 and 403 do not need to be executed, that is, the supplemental resource does not need to be determined any more, where the conversion score of the target second virtual resource of the preferred resource may be the ratio of the unit value of the target value resource corresponding to the first virtual resource to the unit value of the target second virtual resource of the preferred resource.
402. The server determines at least one target second virtual resource as a supplemental resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource.
Wherein the specific process of determining at least one target second virtual resource as a supplemental resource may include the following steps 402A to 402C:
step 402A, determining a difference value between the target value resource and the first current convertible value as a first value, obtaining a second current convertible value of the second virtual resource with the conversion priority lower by one level, and comparing the second current convertible value with the first value.
Step 402B, determining the second virtual resource with the lower priority level as the target second virtual resource of the supplemental resource when the second current transformable value is greater than or equal to the first value. For example, if the corresponding purchase amount of the financial product a is 5000 yuan and the current purchase-available amount of the financial product B1 with the highest purchase priority is 2000 yuan, the first value should be 5000-2000=3000 yuan, and if the current purchase-available amount of the financial product B2 with the first lower purchase priority is 4000 yuan, the current purchase-available amount of the financial product B2 is greater than the first value, the financial product B2 may be determined as the target financial product for replenishment.
Step 402C, when the second current invertible value is smaller than the first value, determining the second virtual resource with the lower priority as a target second virtual resource of the supplemental resource, determining a difference between the first value and the second current invertible value as a second value, obtaining a third current invertible value of the second virtual resource with the lower conversion priority, and performing the above-mentioned comparing and determining process based on the re-obtained value difference and the current invertible value. It should be noted that, the type of the second virtual resource into which the first virtual resource can be converted is determined before the resource is transferred, and when the first current convertible value is smaller than the target value resource corresponding to the first virtual resource, the first current convertible value may be selected from the determined second virtual resources according to the priority order. For example, if the current available amount of the financial product B2 with the lower priority is 2000 yuan, and the current available amount of the financial product B2 is smaller than the first value, the financial product B2 can be determined as a target second financial product of the supplement, the second value should be 3000-2000=1000 yuan, and if the available amount of the financial product B3 with the higher priority is 3000 yuan, and the current available amount of the financial product B3 is greater than the first value, the financial product B3 can be determined as a target second financial product of the supplement.
It should be noted that the at least one target second virtual resource may include all target second virtual resources of the supplemental resource determined in step 402. For example, the complementary target financial product of the financial product a may be the financial product B2, or may be the financial products B2 and B3.
403. The server determines the number of conversion copies of each of the target second virtual resources based on the inventory information of the preferred resource and the supplemental resource, respectively.
The conversion number of the target second virtual resource of the preferred resource is the inventory information of the target second virtual resource of the preferred resource, that is, the available number of the target second virtual resource of the preferred resource.
The method for determining the conversion number of the target second virtual resource of the supplementary resource may include: when the second current transformable value is greater than or equal to the first value, determining the ratio of the first value to the unit value of the target second virtual resource of the supplementary resource as the transformation number of the target second virtual resource of the supplementary resource. When the second current transformable value is smaller than the first value, the transformation number of the second virtual resource with the lower priority level is the stock information of the second virtual resource with the lower priority level. For example, the number of the purchasable parts of the financial product B2 with the lower priority is 100 parts, the unit price of the financial product B2 is 50 yuan, when the current purchasable amount of the financial product B2 is greater than the first value, the number of the purchasable parts of the financial product B2 is the ratio of the first value to the unit price of the financial product B2, that is, 1000/50=20 parts, and when the current purchasable amount of the financial product B2 is greater than the first value, the number of the purchasable parts of the financial product B2 is 100 parts of the financial product B2.
It should be noted that, the manner provided in steps 401 to 403 determines the preferred resource and the supplementary resource, so that the inventory of the preferred resource can be ensured to be emptied preferentially, and the supplementary resource is added to compensate the condition that the preferred resource does not meet the target value resource, so that the user can obtain the maximum benefit.
In addition, step 202 is a specific embodiment of determining at least one target second virtual resource and the number of conversion copies of each target second virtual resource according to the conversion priority, unit value and inventory information of the target value resource, and in other possible implementations, as shown in fig. 5, the following implementations of steps 501 to 502 may be used instead.
501. The server obtains target value proportions among multiple target second virtual resources corresponding to the first virtual resource.
Wherein the target value ratio may be determined based on a unit benefit of the plurality of target second virtual resources, the higher the unit benefit, the higher the target benefit ratio. For example, the second financial product corresponding to a first financial product includes a financial product A, B, C, and the profit ratio of the financial product A, B, C is 2:1:2, the target value ratio of the financial product A, B, C may be 2:1:2.
502. The server determines the number of conversions for the plurality of target second virtual resources according to the target value ratio and the target value resources.
Based on the target value proportion, a target value resource corresponding to each target second virtual resource is obtained, for example, a user buys a schematic financial product 1000 yuan, and a server of the transaction platform can be a user according to the target value proportion 2:1:2, buying financial product A400, financial product B200 and financial product C400. And determining the ratio of the target value resource corresponding to each target second virtual resource to the unit value as the conversion number of each target second virtual resource.
It should be noted that, the manner provided in steps 501 to 502 may directly determine each target second virtual resource based on the target value ratio, without sequentially comparing and determining each target second virtual resource according to the priority order, so as to simplify the determination process of each target second virtual resource and simplify the calculation of user benefits.
Any combination of the above optional solutions may be adopted to form an optional embodiment of the present invention, which is not described herein.
The present invention will be described with respect to the virtual resource being a fund, wherein the first virtual resource is a FOF fund and the second virtual resource is a plurality of other funds invested in the FOF fund. FIG. 6 is a flow chart of a FOF-based funding method provided by an embodiment of the present invention, the method comprising:
601. the server receives FOF fund purchase requests sent by users and carries out FOF fund transactions.
The method comprises the steps that a user initiates a FOF fund purchase request to a transaction platform server, the purchase amount is transferred from a user account to a first account, the server FOF fund is transferred to the user account, and a FOF fund transaction is completed.
602. The server determining, as a target fund, a fund whose current purchasable amount satisfies the purchasable amount of the FOF fund from among the plurality of other funds in order of higher purchasable priority, according to the purchasable amount of the FOF fund, the purchasable priority, the unit price, and the inventory information of the plurality of other funds invested in the FOF fund; the ratio of the amount purchased for the FOF fund to the unit price is determined as the number of purchases for the target fund.
Examples of data for the procurement priority, unit price, and inventory information of various other funds of the FOF fund investment may be shown in Table 1, and various other funds of the FOF fund investment may include fund A, B, C, D, with unit price referring to the procurement price of a share of the fund in units of units per share. The inventory information refers to the current number of purchasable copies of the other funds in units of copies. The buying priority of the plurality of other funds is determined based on the unit benefit of the plurality of other funds, the higher the unit benefit, the higher the buying priority, the unit benefit being in the form of a percentage, the buying priority being in the form of a positive integer, the smaller the positive integer representing the higher the buying priority.
TABLE 1
| Fund products | Unit price (Yuan/serving) | Inventory information (part) | Unit benefit | Priority of purchase requisition |
| Foundation A | 100 | 1 ten thousand (1 | 3.5％ | 1 |
| Fund B | 200 | 2 ten thousand (ten thousand) | 3％ | 2 |
| Fund C | 300 | 3 ten thousand (ten thousand) | 2.5％ | 3 |
| Fund D | 100 | 2 ten thousand (ten thousand) | 2％ | 4 |
In one possible implementation, when the FOF fund has a bid amount of 50 ten thousand yuan, determining the target fund and the bid amount of the target fund based on the data in Table 1 may comprise: the highest buying priority is the fund a, the current buying available amount of the fund a is 100×1ten thousand=100 ten thousand yuan, the current buying available amount of the fund a is larger than the buying available amount of the FOF fund, the fund a is taken as the target fund, and the buying available part of the target fund is 50 ten thousand/100=5000 parts.
In another possible implementation, when the FOF fund has a bid amount of 200 ten thousand yuan, determining the target fund and the bid amount of the target fund based on the data in Table 1 may comprise: the highest buying priority is the fund a, the current buying available amount of the fund a is 100×1ten thousand=100 ten thousand yuan, the current buying available amount of the fund a is smaller than the buying available amount of the FOF fund, the buying available amount of the fund B is found to be one level lower than the buying available amount of the FOF fund, the current buying available amount of the fund B is 200×2ten thousand=400 ten thousand yuan, the current buying available amount of the fund a is larger than the buying available amount of the FOF fund, the fund B is taken as the target fund, and the buying available amount of the target fund is 200 ten thousand/200=1 ten thousand.
603. The server generates a transaction ticket for the current transaction indicating the number of purported items of the FOF fund and the number of purported items of the at least one target fund.
In one possible implementation, the transaction order may be as shown in table 2, the merchant number is used to indicate the type of the FOF foundation and the foundation A, the purchase requisition number is used to label the sequence of the transaction, the transaction is conveniently invoked subsequently, and the purchase requisition number is used to record the purchase requisition number of the FOF foundation and the purchase requisition number of the at least one target foundation in units of parts.
TABLE 2
| Merchant number | Buying bill number | Parts to be purchased (parts) |
| FOF merchant number | F00001 | 100 |
| Fund A merchant number | A00001 | 100 |
604. At the end of day settlement, the server will settle the sum of the total applied amount of the FOF funds and the applied amount of each of the target funds based on all the trade slips generated on the day, and transfer the amount in the first account to the second account when the total applied amount of the FOF funds and the applied amount of each of the target funds are equal.
605. The server respectively settles the purchase amount of each target fund based on all transaction orders generated on the same day, and respectively transfers the purchase amount of each target fund from the second account to the account corresponding to each target fund.
606. The server determines the amount transferred from the first account to the second account as a first applied amount, determines the total amount transferred from the second account to each of the accounts corresponding to the target funds as a second applied amount, and transfers the amount in each of the accounts corresponding to the target funds to each of the company accounts corresponding to the target funds when the first applied amount is equal to the second applied amount.
According to the FOF fund purchasing method provided by the steps 601 to 606, the FOF fund transaction information of the user is firstly obtained, then the target funds and the corresponding purchasing number are determined, a transaction bill is generated, purchasing amount verification is carried out based on the transaction bill, finally the purchasing amount of each target fund is transferred to the account corresponding to the target fund, and based on the purchasing process, a FOF fund purchasing mode with less time consumption and high efficiency is provided for the user, the transaction platform can better control the holding condition of other funds invested by the FOF fund, and further verification is carried out before transfer, so that the transfer accuracy is ensured.
Fig. 7 is a schematic structural diagram of a virtual resource obtaining apparatus according to an embodiment of the present invention. Referring to fig. 7, the apparatus includes:
An obtaining module 701, configured to obtain first virtual resource transaction information of a user, where the first virtual resource transaction information is used to instruct the user to purchase a first number of copies of a first virtual resource through a target value resource;
a determining module 702, configured to determine at least one target second virtual resource and a conversion number of each target second virtual resource according to the target value resource, conversion priorities, unit values, and inventory information of the plurality of second virtual resources;
and a transferring module 703, configured to transfer the target value resource to an account corresponding to the at least one target second virtual resource according to the number of conversion copies and the unit value of each target second virtual resource, so as to obtain a target second virtual resource corresponding to the number of conversion copies.
In one possible implementation, the conversion priority of the plurality of second virtual resources is determined based on a unit benefit of the plurality of second virtual resources, the higher the unit benefit, the higher the conversion priority.
In one possible implementation, the apparatus further comprises: the first determining module is used for determining a second virtual resource with the current convertible value meeting the target value resource as the target second virtual resource from the plurality of second virtual resources according to the conversion priority, the unit value and the inventory information of the target value resource and the conversion priority from high to low; and determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
In one possible implementation, the apparatus further includes: the second determining module is used for determining a second virtual resource with the current convertible value which cannot meet the target value resource and the inventory information which is not 0 as the target second virtual resource of the preferred resource from the plurality of second virtual resources according to the target value resource, the conversion priority, the unit value and the inventory information of the plurality of second virtual resources; determining at least one target second virtual resource as a supplemental resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; based on the inventory information of the preferred resource and the supplemental resource, a number of conversions for each of the target second virtual resources is determined.
In one possible implementation, the apparatus further includes: the third determining module is used for obtaining target value proportions among the plurality of target second virtual resources corresponding to the first virtual resource; and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
In one possible implementation, the apparatus further includes: the resource transfer module is used for generating a trade bill of the current trade, and the trade bill is used for indicating the first number of the first virtual resource and the converted number of the at least one target second virtual resource; every preset time length, according to the transaction list of the completed transaction within the preset time length, respectively determining converted value resources of each target second virtual resource, and checking whether the sum of the target value resources corresponding to the first virtual resource and the converted value resources of each target second virtual resource is the same; and transferring the converted value resource of each target second virtual resource to the account corresponding to the target second virtual resource.
It should be noted that: in the device for obtaining virtual resources provided in the above embodiment, when obtaining virtual resources, only the division of each functional module is used for illustration, in practical application, the above functional allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete all or part of the functions described above. In addition, the device for obtaining the virtual resource provided in the above embodiment and the method embodiment for obtaining the virtual resource belong to the same concept, and the specific implementation process is detailed in the method embodiment, which is not repeated here.
Fig. 8 is a schematic structural diagram of a server according to an embodiment of the present invention, where the server 800 may include one or more processors (central processing units, CPU) 801 and one or more memories 802, where the one or more memories 802 store at least one instruction, and the at least one instruction is loaded and executed by the one or more processors 801 to implement the methods provided in the foregoing method embodiments. Of course, the server 800 may also have a wired or wireless network interface, a keyboard, an input/output interface, and other components for implementing the functions of the device, which are not described herein.
In an exemplary embodiment, a computer readable storage medium, such as a memory including instructions executable by a processor to perform the virtual resource acquisition method of the above embodiment is also provided. For example, the computer readable storage medium may be Read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), compact disc Read-Only Memory (CD-ROM), magnetic tape, floppy disk, optical data storage device, and the like.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the above storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.
Claims (9)
1. A method for obtaining virtual resources, the method comprising:
Acquiring first virtual resource transaction information of a user, wherein the first virtual resource transaction information is used for indicating the user to purchase a first number of copies of first virtual resources through a target value resource;
determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the conversion priority, unit value and inventory information of the target value resources and the plurality of second virtual resources; wherein, the determining the conversion number of at least one target second virtual resource and each target second virtual resource according to the conversion priority, the unit value and the inventory information of the target value resource and the plurality of second virtual resources includes: determining a second virtual resource with the current convertible value which cannot meet the target value resource and the inventory information which is not 0 as a target second virtual resource of a preferred resource from the plurality of second virtual resources according to the target value resource, the conversion priority, the unit value and the inventory information of the plurality of second virtual resources; determining at least one target second virtual resource as a supplemental resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource;
And transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number of the target second virtual resources and the unit value, so as to obtain target second virtual resources corresponding to the conversion number.
2. The method of claim 1, wherein the conversion priority of the plurality of second virtual resources is determined based on a unit benefit of the plurality of second virtual resources, the higher the unit benefit, the higher the conversion priority.
3. The method of claim 1, wherein determining at least one target second virtual resource and a number of conversions per target second virtual resource based on the target value resource, conversion priorities of the plurality of second virtual resources, unit value, and inventory information comprises:
determining a second virtual resource with the current convertible value meeting the target value resource as the target second virtual resource from the plurality of second virtual resources according to the conversion priority, unit value and inventory information of the target value resource and the conversion priority from high to low;
And determining the ratio of the target value resource to the unit value as the conversion number of the target second virtual resource.
4. The method of claim 1, wherein the obtaining the first virtual resource trade information of the user, the first virtual resource trade information being used to instruct the user to purchase the first number of copies of the first virtual resource through the target value resource, the method further comprising:
obtaining target value proportions among multiple target second virtual resources corresponding to the first virtual resources;
and determining the conversion number of the plurality of target second virtual resources according to the target value proportion and the target value resources.
5. The method of claim 1, wherein the transferring the target value resource to the account corresponding to the at least one target second virtual resource according to the converted number of copies and the unit value of each target second virtual resource includes:
generating a trade bill of the current trade, wherein the trade bill is used for indicating the first number of the first virtual resource and the conversion number of the at least one target second virtual resource;
Every preset time length, respectively determining converted value resources of each target second virtual resource according to a transaction list of completed transactions within the preset time length, and checking whether the sum of the target value resources corresponding to the first virtual resources and the converted value resources of each target second virtual resource is the same;
and transferring the converted value resources of each target second virtual resource to the account corresponding to the target second virtual resource.
6. A virtual resource acquisition apparatus, the apparatus comprising:
the system comprises an acquisition module, a target value resource acquisition module and a storage module, wherein the acquisition module is used for acquiring first virtual resource transaction information of a user, and the first virtual resource transaction information is used for indicating the user to purchase a first number of copies of first virtual resources through the target value resources;
the determining module is used for determining at least one target second virtual resource and the conversion number of each target second virtual resource according to the target value resources, the conversion priorities of the plurality of second virtual resources, the unit value and the inventory information; the determining module is further configured to determine, from the plurality of second virtual resources, a second virtual resource whose current convertible value cannot satisfy the target value resource and whose inventory information is not 0 is the target second virtual resource of the preferred resource according to the target value resource, the conversion priority, the unit value, and the inventory information of the plurality of second virtual resources; determining at least one target second virtual resource as a supplemental resource from the remaining second virtual resources having the conversion priority lower than the determined target second virtual resource; determining the conversion number of each target second virtual resource based on the inventory information of the preferred resource and the supplementary resource;
And the transfer module is used for transferring the target value resources to accounts corresponding to the at least one target second virtual resource according to the conversion number of the target second virtual resources and the unit value so as to acquire the target second virtual resources corresponding to the conversion number.
7. The apparatus of claim 6, wherein the conversion priority of the plurality of second virtual resources is determined based on a unit benefit of the plurality of second virtual resources, the higher the unit benefit, the higher the conversion priority.
8. A server comprising one or more processors and one or more memories, the one or more memories having stored therein at least one program code loaded and executed by the one or more processors to implement the virtual resource acquisition method of any of claims 1-5.
9. A computer readable storage medium having stored therein at least one program code loaded and executed by a processor to implement the virtual resource acquisition method of any one of claims 1 to 5.
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