CN113034273A

CN113034273A - Resource processing method and system

Info

Publication number: CN113034273A
Application number: CN202110572965.8A
Authority: CN
Inventors: 于天; 马树东; 黄兴发
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2021-05-25
Filing date: 2021-05-25
Publication date: 2021-06-25

Abstract

The embodiment of the specification provides a resource processing method and a resource processing system, wherein the resource processing method comprises the following steps: the service platform receives a service processing request sent by a service requester, determines a service provider based on a service provider identifier carried in the service processing request, and sends the service processing request carrying the service requester identifier to the service provider; the service provider determines service calling data based on the service processing request, displays the service calling data to a corresponding service requester based on a service requester identifier, receives resource processing data determined by the service requester based on the service calling data, and sends the resource processing data to a service platform; and the resource provider receives a resource processing request sent by the service platform based on the resource processing data, creates a resource certification file for the service requester based on the resource processing request, and processes the service processing request based on the resource certification file.

Description

Resource processing method and system

Technical Field

The embodiment of the specification relates to the technical field of computers, in particular to a resource processing method. One or more embodiments of the present specification also relate to a resource processing system, a computing device, and a computer-readable storage medium.

Background

The insurance letter is also called insurance certificate, which is a written credit guarantee certificate issued by a bank, an insurance company, a guarantee company or an individual to a third party according to the request of an applicant, and ensures that the guarantee person fulfills certain payment responsibility or economic compensation responsibility within a certain amount and a certain period range when the applicant fails to fulfill the responsibility or obligation according to the agreement of both parties; the traditional paper insurance policy needs the insured person to apply to the bank or the security institution with the qualification site, the institution opens the insurance policy for the insured person according to the related data submitted by the insured person, and undertakes the insurance responsibility, the manual insurance policy opening process is extremely complicated, and the large-scale popularization is difficult, so the efficiency of the transaction flow is not high.

Disclosure of Invention

In view of this, the present specification provides a resource processing method. One or more embodiments of the present specification also relate to a resource processing system, a computing device, and a computer-readable storage medium to address technical deficiencies in the prior art.

According to a first aspect of embodiments of the present specification, there is provided a resource processing method, including:

the service platform receives a service processing request sent by a service requester, determines a service provider based on a service provider identifier carried in the service processing request, and sends the service processing request carrying the service requester identifier to the service provider;

the service provider determines service calling data based on the service processing request, displays the service calling data to a corresponding service requester based on the service requester identifier, receives resource processing data determined by the service requester based on the service calling data, and sends the resource processing data to the service platform;

and the resource provider receives a resource processing request sent by the service platform based on the resource processing data, creates a resource certification file for the service requester based on the resource processing request, and processes the service processing request based on the resource certification file.

According to a second aspect of embodiments herein, there is provided a resource processing system comprising:

the service platform is configured to receive a service processing request sent by a service requester, determine a service provider based on a service provider identifier carried in the service processing request, and send the service processing request carrying the service requester identifier to the service provider;

the service provider is configured to determine service calling data based on the service processing request, display the service calling data to a corresponding service requester based on the service requester identifier, receive resource processing data determined by the service requester based on the service calling data, and send the resource processing data to the service platform;

the resource provider is configured to receive a resource processing request sent by the service platform based on the resource processing data, create a resource certification file for the service requester based on the resource processing request, and process the service processing request based on the resource certification file.

According to a third aspect of embodiments herein, there is provided a computing device comprising:

a memory and a processor;

the memory is configured to store computer-executable instructions and the processor is configured to execute the computer-executable instructions, wherein the processor implements the steps of the resource processing method when executing the computer-executable instructions.

According to a fourth aspect of embodiments herein, there is provided a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the resource processing method.

One embodiment of the present specification realizes that, in a service transaction scenario between a service platform and a service provider, a service requester can rapidly develop a resource certificate at the resource provider, the resource provider provides the resource certificate to the service provider through the service platform, and the service provider can complete a service processing request based on the resource certificate, thereby realizing automatic service processing based on the resource certificate, so as to avoid a process of the service provider and the service requester applying for development of the resource certificate manually, which is not only beneficial to a transaction process between the service platform and the service provider, but also improves transaction efficiency and reduces manual utilization rate.

Drawings

FIG. 1 is a system architecture diagram of a resource handling method provided in one embodiment of the present specification;

FIG. 2 is a flow diagram of a resource processing method provided by an embodiment of the present specification;

FIG. 3 is a flowchart illustrating a resource processing method applied to order creation according to an embodiment of the present disclosure;

FIG. 4 is a flowchart illustrating a resource processing method for replenishing the deposit according to an embodiment of the present disclosure;

FIG. 5 is a flowchart illustrating a resource processing method after performing compensation according to an embodiment of the present disclosure;

fig. 6 is a flowchart illustrating a process of a service requester applying a refund to a service provider according to a resource processing method provided in an embodiment of the present disclosure;

fig. 7 is a flowchart illustrating a process of a service requester applying a refund to a service provider according to another resource processing method provided in an embodiment of the present disclosure;

fig. 8 is a flowchart of an electronic insurance policy opening method according to an embodiment of the present disclosure;

fig. 9 is a flowchart of the release of the insurance policy responsibility for the resource processing method according to an embodiment of the present specification;

FIG. 10 is a flowchart of a method for processing resources for warranty breach compensation according to an embodiment of the present disclosure;

fig. 11 is a flowchart illustrating a resource processing method in an extensive scenario for implementing electronic insurance coverage according to an embodiment of the present specification;

FIG. 12 is a flowchart illustrating a processing procedure of a resource processing method according to an embodiment of the present disclosure;

FIG. 13 is a block diagram of a resource processing system according to an embodiment of the present disclosure;

fig. 14 is a block diagram of a computing device according to an embodiment of the present disclosure.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present description. This description may be embodied in many different forms and should not be construed as limited to the embodiments set forth herein, as those skilled in the art will be able to make and use the present disclosure without departing from the spirit and scope of the present disclosure.

The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used in one or more embodiments of the present specification refers to and encompasses any and all possible combinations of one or more of the associated listed items.

It will be understood that, although the terms first, second, etc. may be used herein in one or more embodiments to describe various information, these information should not be limited by these terms. These terms are only used to distinguish one type of information from another. For example, a first can also be referred to as a second and, similarly, a second can also be referred to as a first without departing from the scope of one or more embodiments of the present description. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.

First, the noun terms to which one or more embodiments of the present specification relate are explained.

Non-financing guaranty: qualified guarantors are allowed to offer other persons for guaranty services such as litigation guaranties, property guaranties, engineering performance guaranties, engineering payment guaranties, bid guaranties, pre-payment guaranties, tail payments such as payment guaranties, raw material credit guaranties, equipment installment payment guaranties, lease contract guaranties, financial payment guaranties, joint guaranties, warehousing supervision guaranties, other economic contract guaranties, and financial consultants and consultants related to the guaranty services (but not subject to national financial regulation and financial credit services such as absorbing deposits, collecting funds, accepting loans, issuing tickets, issuing loans, etc.).

Electronic insurance: the electronic insurance policy is a product of information age, and like the paper insurance policy, the bank, insurance company, guarantee company or other guarantors offer an electronic guarantee voucher to beneficiaries at the request of policyholder, so that the guarantors can pay certain payment or economic compensation responsibility within a certain amount and a certain time limit when the applicants fail to fulfill their responsibility or obligation according to the agreement between both parties.

Vertical scene: a clear and single industry or business scope, such as a guarantee scenario for construction work money, a guarantee scenario for salary issue, etc., requires a strong operation scenario party.

A universal scene: the user has a uniform credit line, can be used in any supported service range or industry, and can be quickly expanded.

Cash (counter) payment: in the transaction, a user needs to perform payment settlement, and at this time, the user can select the credit line of the user by using an online cash register (such as a cash register based on an independent page of a transaction or service platform) and directly open an insurance policy to a supported seller, and the insurance policy is automatically settled to the seller, so that the payment settlement is extremely high-efficiency.

Basic amount: and the universal scene credit line is generated based on the user data in the history or other scenes.

Scene quota: more credit lines can be further given based on the experience data of the user in a certain vertical scene.

A transaction platform: a platform where business transactions occur.

The payment platform comprises: a platform for payment based on transactions.

310: application for 3 minutes, 1 second deposit (insurance opening/warranty compensation), 0 manual intervention.

The traditional paper insurance policy needs the insured person to apply to the bank or the insurance institution with the qualification (the institution is generally called below) on site, the institution examines the related data submitted by the insured person, the industry where the beneficiary is located and the background of the transaction, finally, after a period of time, the institution can provide the amount for the insured person as the guarantor, and opens the insurance policy according to the requirement, delivers the insurance policy to the beneficiary and starts to undertake the guaranty responsibility. Subsequently, if the insured life cannot perform as agreed upon terms on the insurance letter, the institution assumes the obligation to pay the beneficiary and, as agreed, can reimburse the insured life.

After entering the internet era, the insurance service is evolved once, the insured person only needs to submit some identity certificates and information of transaction authenticity on line, the mechanism can open the insurance for the insured person by collecting data of user credit investigation and the like, the insurance is delivered to the beneficiary in an e-mail and fax mode, and the insurance itself guarantees the security through asymmetric encryption. At present, the electronic insurance coverage covers most of the business categories of the traditional paper insurance coverage, such as building engineering, large customer purchasing, salary issuing and the like.

In general, electronic insurance can be used whenever a customer has a need to make a premium while reducing the cost of capital usage. Generally, there are two modes of electronic retention: 1. the insured person wants to apply for guarantee service in a certain scene, and needs to submit various examination and approval data related to the scene on line, and the guarantee organization checks the data manually and opens the insurance letter. 2. A guarantee-protected person wants to apply for guarantee service in a certain scene, various approval data related to the scene need to be submitted online, a form (such as an on-line engineering contract number) is filled in according to requirements, a guarantee mechanism adopts a software form to acquire related data authenticity, then a system uses big data to carry out pneumatic control to evaluate the default risk of the guarantee-protected person, and then a guarantee letter is opened, and no manual intervention or little manual intervention can be basically achieved in the middle. Both modes have similarities with the resource processing method provided in the embodiment of the present application: (1) all the functions are opened online; (2) guarantee services can be provided for a single scene; (3) by utilizing a big data technology, the insurance process can be opened by 0 manual intervention. But has the disadvantages that: (1) the scene limitation is rigid, the rapid replication and the penetration of various industries are difficult, the method can only be used for large project engineering generally, the guarantee amount is high, and the method cannot serve small and micro enterprises. (2) The process is complicated, and the following procedures need to be carried out: applying for insurance, opening insurance, transferring insurance to beneficiaries, applying for penalty compensation, and completing compensation application and compensation process. (3) The correlation with the transaction itself is weak in the transaction scene, so that the wind control data related to the transaction part is lost, the automatic promotion in combination with the transaction progress is difficult to realize in the compensation process, and a large amount of manpower is required to be input for operation.

However, the existing electronic insurance policy is not perfect, the existing electronic insurance policy shows strong coupling with industries and scenes, can be used only based on a vertical scene, is single in use, and is required to be delivered to beneficiaries through a certain channel after the insurance policy is released, and finally, the beneficiaries still need to actively make a claim application during performing claim payment, so that the process is extremely complicated, and the large-scale popularization is difficult.

In order to solve the above problems, the resource processing method provided in the embodiment of the present application optimizes process efficiency, usability, service scenario expansibility and the like from the aspects of application of a quota, an opening process of an insurance policy, delivery of the insurance policy, reimbursement of the insurance policy and the like; through a universal credit granting mode, a payment means is embedded to support the insurance issuing requirement of a transaction payment scene, so that a user can issue insurance with legal effectiveness under various conditions with better experience.

In the present specification, a resource processing method is provided, and the present specification relates to a resource processing system, a computing device, and a computer-readable storage medium, which are described in detail one by one in the following embodiments.

Fig. 1 is a system architecture diagram illustrating a resource handling method according to an embodiment of the present disclosure.

It should be noted that the resource processing method provided in the embodiment of the present specification can support the use of a universal scene, and the system can show that when three things of transaction, payment and guarantee occur together with better layering and domain cohesion, the system has good adaptability in different scenes to support rapid scene expansion.

In fig. 1, a is a unified gateway, B is a guarantee mechanism, C is a big data wind control platform, and D is a cash payment platform, in the resource processing method provided in the embodiment of the present specification, a unified gateway may be adopted in the outermost layer, which may ensure that all external transaction platforms may be docked through the gateway according to the standard, and the guarantee mechanism receives orders for transactions and abstracts the complex and complicated actual transactions into individual transaction actions; then, the transaction enters the payment field through a standard payment interface, individual transaction behaviors are mapped to the payment behaviors, and the reason for extracting a payment layer is that part of scenes do not need external receipt, but the guarantee payment can be finished directly through a cash register provided by a guarantee mechanism, so that an intermediate layer is needed for decoupling, and multiple stages are supported; and finally, the payment domain maps the payment behavior to the guarantee domain to realize the real insurance opening process.

In practical application, external behaviors such as transaction establishment, transaction confirmation, payment and refund can be aggregated into a transaction through a transaction standard interface of the unified gateway A, the transaction is sent to the guarantor B, the guarantor B can calculate the guaranty amount through the big data pneumatic control platform C and perform risk control, meanwhile, the guarantor B performs payment establishment, payment confirmation, payment check-in, refund before check-in and the like through the payment standard interface, the payment transaction is mapped into payment, then the payment transaction is performed through the cash payment platform D, and the payment can be mapped into guaranty, so that corresponding behaviors such as guaranty establishment guarantee, guaranty sale guarantee, guaranty compensation and guaranty compensation are realized.

The above process can be mapped arbitrarily to adapt to various multi-stage demands under different scenes, such as a normal transaction platform guarantee transaction: 1. the insured person makes a bill payment-transaction creation + transaction confirmation-payment creation + payment confirmation-guarantee establishment; 2. default of the insured life-money making-payment and entry-guarantee compensation; 3. the insured person performs-refund-pay-refund-guarantee-sale.

The resource providing method provided in the embodiment of the present specification can implement the capability of adapting to any combination under multiple scenes to implement functions by adapting to various scenes to map different transaction phases + payment phases + guarantee phases, and by using three major phases (transaction-payment-guarantee) and a plurality of minor phases, and can optimize aspects such as flow efficiency, usability, service scene expansibility and the like from the aspects of credit application, insurance issuing process, insurance delivery, insurance claim payment and the like.

Referring to fig. 2, fig. 2 is a flowchart illustrating a resource processing method according to an embodiment of the present disclosure.

It should be noted that the resource processing method provided in the embodiment of the present specification may be applied to applications among a service platform, a service provider, and a resource provider, and may further include a service requester and a service demander, so as to describe in detail the resource processing method provided in the embodiment of the present specification.

Step 202: the service platform receives a service processing request sent by a service requester, determines a service provider based on a service provider identifier carried in the service processing request, and sends the service processing request carrying the service requester identifier to the service provider.

The service platform may be understood as a basic platform that provides a service for a user and creates an insurance policy with a guaranty agency, for example, an e-commerce platform, an engineering service platform, a government agency platform, and the like.

A service requester may be understood as a user who requests a service from a service platform, such as a merchant, a project contractor, etc.

The service provider may be understood as a platform that provides services to the service requester through the service platform, such as an advertisement service providing platform, an engineering provider platform, and the like.

Specifically, the service platform receives a service processing request sent by a service requester, determines a service provider based on a service provider identifier carried in the service processing request, and sends the service processing request carrying the service requester identifier to the service provider, where the service processing request may be understood as a service processing request based on a transaction of the service requester, for example, an advertisement use request based on a transaction sent by a merchant to an e-commerce platform.

In practical application, the service platform may determine the service provider through the service provider identifier carried in the service processing request, that is, after the service requester sends the service processing request to the service platform, the service platform does not determine the specific service provider, then determines the service provider through the service provider identifier, and finally sends the service processing request carrying the service requester identifier to the service provider, so as to determine the specific service object of the service provider through the service requester identifier.

In practical application, a service requester sends a service processing request to a service platform based on a uniform gateway interface; specifically, before the service platform receives the service processing request sent by the service requester, the method further includes:

the server judges whether the service processing request meets a preset standard condition or not based on the attribute information carried in the service processing request sent by the service requester,

and if so, the server sends the service processing request to the service platform.

The server can be understood as a server with a uniform gateway interface; the preset standard conditions may be understood as standard preset conditions that the transaction may be based on a unified gateway implementation.

Specifically, the server judges whether the service processing request meets a preset standard condition or not based on attribute information carried in the service processing request sent by the service requester, and sends the service processing request to the service platform under the condition that the preset standard condition is met.

In practical application, the attribute information carried in the service processing request may be transaction information, payment information, guarantee information and the like carried in the transaction request, the preset standard condition may be understood as a standard condition in which three actions of transaction and payment guarantee occur simultaneously, and the server may send the service processing request to the service platform through the transaction standard interface when it is determined that the standard condition in which the three actions of transaction and payment guarantee occur simultaneously is satisfied in the service processing request.

In the resource processing method provided in the embodiment of the present specification, the server determines whether the service processing request sent by the service requester satisfies a preset standard condition, so as to determine whether the service processing request can realize guarantee payment subsequently by creating an insurance policy.

Further, in order to determine the guarantee payment limit at the resource provider, the service requester also needs to send a query request of the resource certification value to the resource provider through the service platform, and further determines a target resource certification value of the service requester; specifically, before the service platform receives the service processing request sent by the service requester, the method further includes:

the service platform receives a resource storage request aiming at a target service and sent by the service requester, and stores a resource value of the target service carried in the resource storage request to the resource provider;

the service platform receives a query request of a resource certification value sent by the service requester, and sends historical resource data of the service requester carried in the query request to the resource provider;

the resource provider determines a target resource attestation value for the service requestor based on the resource value for the target service and the historical resource data.

The target service can be understood as a service between a service requester and a service platform; the resource storage request may be understood as a request for storing storage resources that need to be provided before the business is developed, for example, a merchant needs to pay a certain deposit for an opening business of the e-commerce platform before the merchant opens the store on the e-commerce platform, and the resource storage request may be understood as a deposit storage request.

Wherein, the resource certification value can be understood as the highest resource certification value which is sent by the resource provider to the service requester and can provide guarantee payment; the target resource attestation value may be understood as a guaranteed payment resource attestation value actually available to the service requestor.

Specifically, after receiving a resource storage request of a target service sent by a service requester, a service platform stores a resource value of the target service carried in the resource storage request to a resource provider, and after sending an inquiry request of a resource certification value to the service platform, the service platform can send historical resource data of the service requester carried in the inquiry request to the resource provider, and the resource provider can determine the target resource certification value of the service requester according to the received resource value of the target service and the historical resource data of the service requester.

In practical applications, the resource provider can determine the actual available guaranteed resource value of the business requester, and implement the guaranteed payment for the transaction according to the actual available guaranteed resource value, for example, taking the business platform as an e-commerce platform and the business requester as a merchant as an example, which will be described in detail, the e-commerce platform can receive a storage request of a deposit of the merchant sent by the merchant and store the deposit into the corresponding resource provider account, after the e-commerce platform receives a query request of the guarantee amount sent by the merchant, the e-commerce platform can send information such as historical deposit record, running information, credit record, data authorization protocol and the like of the merchant to the resource provider, the resource provider can determine the actual available guaranteed resource value of the merchant based on the deposit of the merchant and the historical deposit record, running information, credit record, data authorization protocol and the like of the merchant, it should be noted that the purpose of the information such as the merchant's historical store opening record, running information, credit record, data authorization agreement, etc. is to assist the resource provider in calculating the value of the guaranteed resource actually available to the service requester.

In the resource processing method provided in the embodiment of the present specification, the target resource certification value is determined according to the resource value of the target service of the service requester and the historical resource data, so that the subsequent service requester can process the service processing request of the service requester based on the target resource certification value, and the issuing, payment, reimbursement and the like of the electronic insurance policy are realized, thereby improving the process efficiency and also expanding the optimization of the service scenario.

In addition, before the resource provider determines the target resource certification value of the service requester based on the resource value of the target service and the historical resource data, the method further includes:

and the service platform receives a query request of a target resource certification value sent by the service requester, and sends the resource value of the target service and the historical resource data carried in the query request to the resource provider.

Specifically, the service platform may receive an inquiry request for a target resource attestation value sent by a service requester, and send a resource value of the target service and historical resource data carried in the inquiry request to a resource provider.

In practical application, a service requester sends a consultation request of a target resource certification value to a service platform, which can be understood as a query request to the service requester, and then sends the resource value of the target service of the service requester and historical resource data in the consultation request to a resource provider, so as to determine the target resource certification value of the service requester subsequently.

In the resource processing method provided in the embodiment of the present specification, by querying the target resource certification value, the service requester can sense the available guaranteed resource value of the service requester at the resource provider, and then perform resource processing according to the available guaranteed resource value.

Step 204: and the service provider determines service calling data based on the service processing request, displays the service calling data to a corresponding service requester based on the service requester identifier, receives resource processing data determined by the service requester based on the service calling data, and sends the resource processing data to the service platform.

The service invocation data may be understood as data for invoking a service, which is sent by the service requester to the service provider, for example, data for invoking an advertisement service, which is sent by the merchant to the advertisement service provider.

The resource processing data can be understood as data of a resource payment mode determined by the service requester on the service call data.

Specifically, after receiving a service processing request carrying a service requester identifier, a service provider may determine service invocation data based on the service processing request, determine a corresponding service requester according to the service requester identifier, display the service invocation data to the service requester, and the service requester may determine resource processing data based on the service invocation data and send the resource processing data to a service platform.

In practical application, taking a service processing request as an advertisement service request as an example, an advertisement service provider determines data for providing advertisement service based on the advertisement service request sent by a merchant, and displays the data for providing the advertisement service to the corresponding merchant, the merchant selects a payment mode according to the data for the advertisement service, wherein the payment mode can be account balance payment, credit prepayment, guarantee payment and the like, and the merchant determines resource processing data based on the selected payment mode and service calling data, and sends the resource processing data to a service platform.

Step 206: and the resource provider receives a resource processing request sent by the service platform based on the resource processing data, creates a resource certification file for the service requester based on the resource processing request, and processes the service processing request based on the resource certification file.

The resource certification file can be understood as an electronic insurance file created by the service requester based on the service processing request.

Specifically, after receiving the resource processing data, the service platform sends a resource processing request to the resource provider based on the resource processing data, and the resource provider can create a resource certification file for the service requester based on the resource processing request and process the service processing request based on the resource certification file.

In practical applications, the resource provider may create an electronic insurance policy for the service requester, wherein the electronic insurance policy is created based on the service request of the service requester, and the service processing request may be processed according to the electronic insurance policy.

Further, said processing the service processing request based on the resource credential includes:

the resource provider freezes the resource value of the target service in the target resource certification value based on the resource certification file of the service requester and sends the resource value of the target service to the service provider;

and the service provider processes the service processing request based on the resource value of the target service.

Specifically, the resource provider may freeze a resource value corresponding to the resource value of the target service in the target resource certification value of the resource provider based on the resource certification file of the service requester, and send the resource value of the target service to the service provider, and the service provider processes the service processing request based on the resource value.

In practical application, a service provider stores a resource value corresponding to a target service developed on a service platform to the resource provider, and after the resource provider develops a resource certification file for the service provider, the resource provider can freeze a quota corresponding to the resource value and deduct a resource value corresponding to a service provided by the service provider from the resource value corresponding to the target service.

According to the resource processing method provided by the embodiment of the description, the corresponding resource value is frozen in the resource value of the target service provided by the service requester according to the resource certification file of the service requester, so that resources are deducted to the service provider by using the frozen resource value of the service provider, and not only is the manual utilization rate reduced, but also the service processing efficiency is ensured.

Referring to fig. 3, fig. 3 is a flowchart illustrating a resource processing method applied to order creation according to an embodiment of the present specification.

Step 302: the merchant purchases goods/services from the service provider and a payment action is generated.

Step 304: and the merchant sends the occupied amount to the resource provider according to the payment behavior.

Step 306: the resource provider generates an electronic insurance policy based on the occupied quota.

Step 308: the merchant pays for the deposit stored at the resource provider.

Step 310: the service platform pays the service provider.

According to the resource processing method provided by the embodiment of the specification, the electronic insurance policy is created for the merchant through the resource provider, so that payment through the deposit is quickly realized, additional resources do not need to be provided for the service provider again, and the process efficiency of insurance policy payment is relatively high.

In addition, after the transaction payment is carried out by using the deposit, the service requester also needs to supplement the deposit to the resource provider; specifically, still include:

the service platform receives a resource back-up request aiming at the target service from the service requester, and stores a back-up resource value carried in the resource back-up request to the resource provider;

and the resource provider releases the resource certification file corresponding to the service requester based on the anaplerosis resource value, and unfreezes the anaplerosis resource value in the resource value of the target service.

The resource back-up request may be understood as a request for back-up of resources, such as a request for back-up of a deposit, sent by the service request party to the service platform.

Specifically, the service platform receives a resource back-up request aiming at a target service from a service requester, stores a back-up resource value carried in the resource back-up request to a resource provider, and the resource provider removes a resource certification file corresponding to the service requester based on the back-up resource value and unfreezes the back-up resource value in the resource value of the target service.

In practical application, taking a resource benefit request as a benefit guarantee fund request as an example, after payment is performed by using the guarantee fund, the guarantee amount of a service requester at a resource provider is insufficient, and then within a preset time, the service requester needs to make up a corresponding guarantee fund, that is, a service platform can receive a resource benefit request for a target service sent by the service requester, wherein the resource benefit request carries a benefit resource value and stores the benefit resource value to the resource provider, after the resource provider takes the benefit resource value, an electronic insurance created by deducting the guarantee fund by the service requester is released, that is, a sale insurance is sold, and meanwhile, the benefit resource value is thawed in the resource value of the target service, that is, a limit is released.

Referring to fig. 4, fig. 4 is a flowchart illustrating a resource processing method for supplementing the deposit back according to an embodiment of the present disclosure.

Step 402: the merchant makes up the deposit to the service provider.

Step 404: and the resource provider sells the insurance based on the subsidy and releases the corresponding amount.

In the resource processing method provided in the embodiment of the present specification, after payment is performed by using the resource value of the target service, the corresponding resource value needs to be complemented back, so as to facilitate subsequent cancellation and protection of the electronic insurance policy and release the corresponding resource value, thereby ensuring that the resource value of the target service is sufficient under the condition that payment needs to be performed next time by using the resource value of the target service, and quickly implementing a payment process.

After the resource provider pays the corresponding service resources for the service requester, the service requester generates resource debt for the resource provider, and the service requester can realize compensation through active repayment or passive deduction; specifically, after the sending the resource value of the target service to the service provider, the method further includes:

the resource provider receives the resource value of the target service sent by the service requester; or

And the resource provider sends a resource acquisition request aiming at the target service to the service requester, and acquires the resource value of the target service from the service requester based on the resource value of the target service carried in the resource acquisition request.

Specifically, the resource provider may directly receive the resource value of the target service sent by the service requester to implement the fulfillment compensation, or the resource provider may deduct the resource value of the corresponding target service from the resource account of the resource provider or the third-party platform account associated with the service requester through the service requester under the condition that the service requester is not paid actively, to implement the fulfillment compensation.

In practical application, referring to fig. 5, fig. 5 shows a compensation flow chart after performing compensation of a resource processing method provided by the embodiment of the present disclosure.

Step 502: and the resource provider pays a guarantee fund for the service request party to the service platform.

Step 504: the merchant makes a loan arrears with the resource provider.

Step 506: the merchant actively repays the debt or passively deducts the loan from the resource provider to settle the reimbursement loan.

In the resource processing method provided in the embodiment of the present specification, the resource provider repays the corresponding loan to the service requester, so as to implement loan compensation of the resource provider, so that subsequent resource providers have a resource that can be guaranteed, and guarantee payment is performed for the service provider.

In another embodiment of the resource processing method provided in this specification, after a service requester applies for a refund to a service provider, the service provider has different processing modes according to different conditions; specifically, the resource processing method provided in the embodiment of the present specification further includes:

the service provider receives a first resource processing request aiming at the target service and sent by the service requester, and sends a resource value of the target service carried in the first resource processing request to the resource provider;

and the resource provider processes the resource value according to the resource processing condition and returns the processing result of the resource value to the service platform.

The first resource processing request may be split into a request for applying for refunding resources, which is sent by a service requester to a service provider, for example, a refund request sent by a merchant to an advertisement service provider.

Specifically, a service provider receives a first resource processing request for a target service, which is sent by a service requester, and sends a resource value of the target service, which is carried in the first resource processing request, to the resource provider, and the resource provider processes the resource value according to a resource processing condition and returns a processing result of the resource value to a service platform.

In practical application, a resource provider can adapt to different resource processing modes according to different processing stages of resources, that is, different refund modes, resources returned by a service provider can be directly returned to the resource provider or returned to a resource provider account of a third-party platform, and the specific returned account is not limited in any way in the embodiments of the present specification.

The resource processing method provided by the embodiment of the present specification implements a subsequent process of selling and guaranteeing the electronic insurance premium by the resource provider through the processing of the refund request of the service requester by the resource provider, thereby completely implementing the whole guarantee payment process.

Further, the resource provider processes the resource value according to the resource processing condition, and returns the processing result of the resource value to the service platform, including:

and under the condition that the resource provider determines that the resource value of the target service meets a first preset condition, the resource provider releases the resource certification file corresponding to the service requester based on the resource value of the target service, and recovers the target resource certification value for the service requester.

The first preset condition may be understood as a condition that the deposit returned at the service provider has not yet reached the resource provider account.

Specifically, the resource provider, on the condition that it is determined that the resource value of the target service satisfies the first preset condition, removes the resource certification value corresponding to the service requester based on the resource value of the target service, and restores the target resource certification value to the service requester.

In practical application, when the resource provider determines that the deposit returned by the service provider does not reach the account of the resource provider, the resource provider can guarantee the resource certificate file of the service requester and release the target resource certificate value in the electronic insurance policy.

In the resource processing method provided in the embodiment of the present specification, by determining whether the resource processing request satisfies the conditions of canceling the insurance and releasing the resource certification value, the electronic insurance policy of the service requester is released, and the resource certification value is recovered, so that the service processing request is processed by continuously using the resource certification value in the following process.

The other resource provider processes the refund request of the service requester, and can deduct the account resource value corresponding to the service requester in batches after preset time; specifically, the resource provider processes the resource value according to the resource processing condition, and returns the processing result of the resource value to the service platform, including:

and the resource provider receives the resource value of the target service sent by the service platform after a preset time under the condition that the resource value of the target service is determined to meet a second preset condition.

The second preset condition may be understood as a condition that the deposit returned at the service provider has reached the resource provider account.

Specifically, the resource provider passively deducts the returned security fund of the service requester after waiting for the loan deadline compensated by the resource provider for the service requester to expire under the condition that the resource value of the target service meets the second preset condition.

In practical application, after the service provider returns the resource value carried in the resource processing request to the service platform, the resource provider deducts money for the returned resource value in batch, so as to realize compensation for the resource value and ensure that the resource value of the target service of the service requester is sufficient.

According to the resource processing method provided by the embodiment of the specification, the resource provider carries out batch deduction after waiting for the loan time to expire, so that the resource provider is guaranteed to refund compensation deposit, and the circulation of the resource state is rapidly realized.

Referring to fig. 6, fig. 6 is a flowchart illustrating a process of a service requester applying a refund to a service provider according to a resource processing method provided in an embodiment of the present disclosure.

Step 602: the merchant sends a request to the service provider to return the goods/services.

Step 604: the service provider returns the deposit to the service platform.

Step 606: under the condition that the service platform does not return the deposit to the resource provider, the resource provider can carry out sales insurance for the merchant and release corresponding quota at the same time.

Referring to fig. 7, fig. 7 is a flowchart illustrating a process of a service requester applying a refund to a service provider according to another resource processing method provided in an embodiment of the present disclosure.

Step 702: the merchant sends a request to the service provider to return the goods/services.

Step 704: the service provider returns the deposit to the service platform.

Step 706: and in the case that the service platform returns the deposit to the resource provider, the resource provider waits for the loan to expire for batch deduction.

Fig. 6 and 7 are two processing methods based on the fact that the merchant applies for a refund to the service provider, and in different cases, the processing methods are different.

The two processing modes of applying refund to the service requester by the service requester through the service requester provided by the resource processing method in the embodiment of the present specification can implement different refund modes according to different scenarios, so as to adapt to quickly completing the reimbursement application process for compensation.

In the resource processing method provided in another embodiment of the present specification, after the service demander submits a refund compensation request to the service platform, the resource provider may determine a resource processing value according to a target resource certification value in the created resource certification file; specifically, still include:

the service platform receives a second resource processing request aiming at the target service and sent by a service demand party, and sends the second resource processing request carrying the target service identification to the resource provider;

and the resource provider determines a resource certification file of the target service based on the target service identifier, determines a resource processing value aiming at the target service based on a target resource certification value carried in the resource certification file, and returns the resource processing value to the service demander.

The service requirement party may be understood as a party that obtains a corresponding service requirement on the service platform, for example, a consumer of the e-commerce platform.

The second resource processing request can be understood as a refund request of the service demander on the service platform and a processing request for paying by using a resource value stored by the service demander on the resource provider.

Specifically, the service platform receives a second resource processing request for a target service, which is sent by a service demander, the service platform sends the second resource processing request with a target service identifier to the resource provider, the resource provider determines a resource certification file of the corresponding target service based on the target service identifier, determines a target resource certification value in the resource certification file, further determines a resource processing value, and returns the resource processing value to the service demander.

In practical applications, taking a service platform as an electronic commerce platform and a service demander as an example of a buyer, after the buyer sends a refund request to the electronic commerce platform, the electronic commerce platform may determine an electronic insurance policy for the buyer to process a target service according to a target service identifier in the refund request, and determine an actual refund resource value of the refund request based on a guarantee resource value carried in the electronic insurance policy, and the resource provider refunds the actual refund resource value to the buyer.

It should be noted that, in the case that the amount of money to be refunded by the buyer already exceeds the value of the resource stored by the service requester at the resource provider, the resource provider makes up for the exceeded value of the resource by using the buyer's loan account, and then the resource provider can also make up for the buyer.

In the resource processing method provided in the embodiment of the present specification, the resource provider applies for a refund request from the buyer to puncture the resource value stored by the service requester at the resource provider, and then triggers compensation according to the created electronic insurance policy, so that automatic compensation of insurance policy making, insurance policy transfer and default is realized, the process is further shortened, and the development of the insurance policy service and the user experience are facilitated.

In order to explain a specific processing mode of the resource processing method provided by the embodiment of the present specification in a scenario based on transaction background comprehensive application:

referring to fig. 8, fig. 8 is a flowchart illustrating an open electronic insurance policy of a resource processing method provided by an embodiment of the present specification;

step 802: the insured person communicates with the beneficiary for trading on the network trading platform or off-line.

Step 804: the insured life completes the transaction and payment on the online platform.

Step 806: the warranty agency pays for the order using the warranty assets and agrees to the agency to collect data to assess risk.

Step 808: the guaranty organization carries out big data evaluation risk on the cloud based on historical wind control data and transaction orders of the insured person, and automatically grants credit and completes payment.

Step 810: the guarantee agency returns the result of successful insurance opening to the transaction platform.

Step 812: the beneficiary receives the transaction achievement result forwarded by the transaction platform, provides the goods such as service or goods, and transfers the insurance letter.

The resource processing method provided by the embodiment of the specification opens an electronic insurance policy for the insured person through the guaranty mechanism, and simultaneously realizes automatic credit giving and payment completion, so that the payment completion behavior of quickly opening a fulfillment insurance policy can be realized, and the complicated flow of manual auditing is avoided.

Referring to fig. 9, fig. 9 shows a flow chart of the release of the insurance coverage responsibility for insurance coverage of the resource processing method provided by the embodiment of the present specification.

Step 902: the insured life confirms the order with the transaction platform and pays the corresponding money.

Step 904: the transaction platform notifies the vouching institution that the vouching institution has performed, and the vouching institution relieves the vouching responsibility.

Step 906: the trading platform informs the beneficiary of the completion of the trade and pays the beneficiary.

In the resource processing method provided by the embodiment of the specification, the insured person confirms the order and pays the payment item to the transaction platform, and the transaction platform can inform the guaranty institution of releasing the guaranty responsibility, so that the guaranty institution can release the guaranty responsibility after realizing the responsibility performance, and the process of quickly releasing the guaranty and paying is realized.

Referring to fig. 10, fig. 10 is a flowchart illustrating a guarantee violation compensation process of a resource processing method according to an embodiment of the present disclosure.

Step 1002: the insured life refuses to pay the transaction platform, causing a breach.

Step 1004: the transaction platform notifies the vouching institution of the expiration of the vouching responsibility and the default of the vouchers.

Step 1006: the guaranty institution compensates and pays for the transaction platform.

Step 1008: the warranty agency pays the insured person.

Step 1010: the trading platform informs the beneficiary of the completion of the trade and deposits money.

In the resource processing method provided by the embodiment of the specification, the guarantee agency reimburses to the transaction platform under the condition of default of the insured person, so that the process that the guarantee agency assumes the guarantee responsibility is rapidly realized.

Referring to fig. 11, a resource processing method provided in another embodiment of the present specification is a flow chart for quickly opening an electronic insurance policy based on a full-coverage scene insurance policy, where fig. 11 shows a flow chart for opening an electronic insurance policy in a full-coverage scene by the resource processing method provided in the embodiment of the present specification.

Step 1102: the insured life designates the beneficiary to make a guarantee payment through the guarantee agency.

Specifically, the insured person selects the beneficiary to perform the guarantee payment 'transfer' on line at the guarantee agency platform.

Step 1104: and the big data wind control platform evaluates risks of both parties.

Specifically, the big data wind control platform carries out big data risk assessment and automatic credit granting on the cloud based on historical wind control data of the insured person; and the wind control evaluation is carried out aiming at the beneficiaries, and the blackcurrant collusion fraud is prevented.

Step 1106: the warranty agency opens the insurance envelope to be validated and notifies the beneficiary.

Step 1108: the beneficiary confirms the insurance from the guaranty institution, and the insurance begins to take effect automatically.

It should be noted that the performance and reimbursement process is similar to that based on the trading platform, except that the notification of the release of the warranty responsibility and the withdrawal of the compensation are directly performed through the platform of the warranty institution and not through the trading platform. Compared with the traditional electronic insurance letter, the full-generalization scene is characterized in that when a medium-small amount guarantee is applied, the insurance letter can be acquired by using a big data wind control platform and handing over audit data without hands, and the automatic development of the electronic insurance letter has stronger competitiveness and rapid industrial expansion capability by relying on the credit of a service requester.

The resource processing method provided in this specification is further described below with reference to fig. 12, taking an application of the resource processing method in an e-commerce platform as an example. Fig. 12 is a flowchart illustrating a processing procedure of a resource processing method according to an embodiment of the present disclosure, and specific steps include step 1202 to step 1250.

It should be noted that the service platform may be an e-commerce platform, the resource provider may be a bank, and the embodiment of the present specification describes a processing procedure of the entire resource processing method.

Step 1202: and the merchant pays the guarantee deposit to the service platform for opening the store.

Step 1204: and the service platform pays the deposit to a third-party platform and checks the account.

Step 1206: the merchant signs a contract with the service platform to activate the quota.

Step 1208: and the service platform sends the signed data authorization protocol to the resource provider.

Step 1210: and the merchant sends a guarantee amount consultation request to the service platform.

Step 1212: and the service platform sends the consultation request to the resource provider to consult the available guarantee limit.

Step 1214: and the merchant sends a payment request for using the quota to the service platform.

Step 1216: and the service platform sends a pull service calling request to the service provider.

Step 1218: the merchant selects the deposit payment using the service platform.

Step 1220: and the service provider sends the selected payment mode and the service data to the service platform.

Step 1222: and the resource provider creates an electronic insurance policy according to the service data sent by the service platform and freezes the guarantee limit.

Step 1224: and the service platform deducts a guarantee fund from the third-party platform to pay corresponding amount to the service provider.

Step 1226: the buyer applies for a refund to break down the balance of the merchant deposit.

Step 1228: and the resource provider triggers compensation according to the electronic insurance letter single stroke.

Step 1230: the resource provider compensates for the creation of the loan.

Step 1232: the resource provider deposits money to the third party platform and freezes the balance.

Step 1234: and the merchant replys the deposit to the service platform.

Step 1236: and the service platform stores the guarantee fund to the third-party platform.

Step 1238: and (4) the resource provider performs marketing and insurance and unfreezes the resource limit.

Step 1240: the merchant applies for a refund from the service provider.

Step 1242: and the service provider refunds to the third party platform to store the account of the deposit.

Step 1244: and the third party platform informs the service platform that the refund is finished.

Step 1246: and (4) the resource provider performs marketing and insurance and unfreezes the resource limit.

Step 1248: and the resource provider carries out withholding compensation on the loan through the third-party platform.

The resource processing method provided by the embodiment of the specification can have a limit without uploading data specially aiming at individual scenes, so that an insurance service is used, and complicated application procedures are avoided; it should be noted that, in general electronic insurance, an explicit scene of user usage needs to be defined, and an application and reimbursement process of applying insurance, opening insurance, transferring insurance to beneficiaries, applying for penalty compensation, and completing compensation is adopted.

The resource processing method provided by the embodiment of the specification supports direct use of the general guarantee amount, and directly realizes a quick process of insurance policy making, insurance policy transferring, contract violation compensation applying and compensation finishing in the application process; if the situation is based on transaction, such as payroll payment and engineering money payment, and if an intermediate transaction platform exists, the resource processing method provided by the embodiment of the specification additionally provides a payment system which is in butt joint with the transaction platform and senses the transaction state, so that automatic compensation of insurance opening, insurance transfer and default is realized, the process is further shortened, and the development of insurance business and the user experience are facilitated.

Corresponding to the above method embodiment, this specification further provides a resource processing system embodiment, and fig. 13 shows a schematic structural diagram of a resource processing system provided in an embodiment of this specification. As shown in fig. 13, the system includes:

the service platform 1302 is configured to receive a service processing request sent by a service requester, determine a service provider based on a service provider identifier carried in the service processing request, and send the service processing request carrying the service requester identifier to the service provider;

the service provider 1304 is configured to determine service invocation data based on the service processing request, display the service invocation data to a corresponding service requester based on the service requester identifier, receive resource processing data determined by the service requester based on the service invocation data, and send the resource processing data to the service platform;

the resource provider 1306 is configured to receive a resource processing request sent by the service platform based on the resource processing data, create a resource credential file for the service requester based on the resource processing request, and process the service processing request based on the resource credential file.

Optionally, the system further comprises:

Optionally, the resource provider 1306, is further configured to:

Optionally, the system further comprises:

and the resource provider releases the resource certification file corresponding to the service requester based on the recollection resource value, and unfreezes the resource recollection value in the resource value of the target service.

Optionally, the system further comprises:

Optionally, the resource provider 1306, is further configured to:

Optionally, the system further comprises:

The above is an illustrative scheme of a resource processing system of this embodiment. It should be noted that the technical solution of the resource processing system and the technical solution of the resource processing method belong to the same concept, and details that are not described in detail in the technical solution of the resource processing system can be referred to the description of the technical solution of the resource processing method.

FIG. 14 illustrates a block diagram of a computing device 1400, provided in accordance with one embodiment of the present description. The components of the computing device 1400 include, but are not limited to, a memory 1410 and a processor 1420. The processor 1420 is coupled to the memory 1410 via the bus 1430 and the database 1450 is used to store data.

Computing device 1400 also includes access device 1440, which access device 1440 enables computing device 1400 to communicate via one or more networks 1460. Examples of such networks include the Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the internet. The access device 1440 may include one or more of any type of network interface (e.g., a Network Interface Card (NIC)) whether wired or wireless, such as an IEEE802.11 Wireless Local Area Network (WLAN) wireless interface, a worldwide interoperability for microwave access (Wi-MAX) interface, an ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a bluetooth interface, a Near Field Communication (NFC) interface, and so forth.

In one embodiment of the present description, the above-described components of computing device 1400 and other components not shown in FIG. 14 may also be connected to each other, such as by a bus. It should be understood that the block diagram of the computing device architecture shown in FIG. 14 is for purposes of example only and is not limiting as to the scope of the present description. Those skilled in the art may add or replace other components as desired.

Computing device 1400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (e.g., tablet, personal digital assistant, laptop, notebook, netbook, etc.), mobile phone (e.g., smartphone), wearable computing device (e.g., smartwatch, smartglasses, etc.), or other type of mobile device, or a stationary computing device such as a desktop computer or PC. Computing device 1400 may also be a mobile or stationary server.

Wherein the processor 1420 is configured to execute the computer-executable instructions that when executed by the processor implement the steps of the resource processing method.

The above is an illustrative scheme of a computing device of the present embodiment. It should be noted that the technical solution of the computing device and the technical solution of the resource processing method belong to the same concept, and details that are not described in detail in the technical solution of the computing device can be referred to the description of the technical solution of the resource processing method.

An embodiment of the present specification further provides a computer readable storage medium storing computer instructions, which when executed by a processor, implement the steps of the resource processing method.

The above is an illustrative scheme of a computer-readable storage medium of the present embodiment. It should be noted that the technical solution of the storage medium belongs to the same concept as the technical solution of the resource processing method, and details that are not described in detail in the technical solution of the storage medium can be referred to the description of the technical solution of the resource processing method.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

The computer instructions comprise computer program code which may be in the form of source code, object code, an executable file or some intermediate form, or the like. The computer-readable medium may include: any entity or system capable of carrying said computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, etc. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.

It should be noted that, for the sake of simplicity, the foregoing method embodiments are described as a series of acts, but those skilled in the art should understand that the present embodiment is not limited by the described acts, because some steps may be performed in other sequences or simultaneously according to the present embodiment. Further, those skilled in the art should also appreciate that the embodiments described in this specification are preferred embodiments and that acts and modules referred to are not necessarily required for an embodiment of the specification.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.

The preferred embodiments of the present specification disclosed above are intended only to aid in the description of the specification. Alternative embodiments are not exhaustive and do not limit the invention to the precise embodiments described. Obviously, many modifications and variations are possible in light of the above teaching. The embodiments were chosen and described in order to best explain the principles of the embodiments and the practical application, to thereby enable others skilled in the art to best understand and utilize the embodiments. The specification is limited only by the claims and their full scope and equivalents.

Claims

1. A method of resource processing, comprising: a service platform, a service provider and a resource provider,

2. The resource processing method of claim 1, wherein before the service platform receives the service processing request sent by the service requester, the method further comprises:

3. The resource processing method according to claim 1 or 2, before the resource provider determines the target resource attestation value of the service requester based on the resource value of the target service and the historical resource data, further comprising:

4. The resource processing method of claim 3, the processing the service processing request based on the resource credential, comprising:

5. The resource processing method according to claim 4, further comprising, after sending the resource value of the target service to the service provider:

6. The resource processing method of claim 4, further comprising:

7. The resource processing method of claim 4, further comprising:

8. The resource processing method according to claim 7, wherein the resource provider processes the resource value according to a resource processing condition, and returns a processing result of the resource value to the service platform, including:

9. The resource processing method according to claim 7, wherein the resource provider processes the resource value according to a resource processing condition, and returns a processing result of the resource value to the service platform, including:

10. The resource processing method of claim 4, further comprising:

11. The resource processing method according to claim 1, wherein before the service platform receives the service processing request sent by the service requester, the method further comprises:

12. A resource processing system, comprising:

13. A computing device, comprising:

a memory and a processor;

the memory is configured to store computer-executable instructions, and the processor is configured to execute the computer-executable instructions, wherein the processor implements the steps of the resource processing method according to any one of claims 1 to 11 when executing the computer-executable instructions.

14. A computer readable storage medium storing computer instructions which, when executed by a processor, carry out the steps of the resource handling method of any one of claims 1 to 11.