WO2022160724A1 - 资源处理方法、装置、设备及介质 - Google Patents

资源处理方法、装置、设备及介质 Download PDF

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Publication number
WO2022160724A1
WO2022160724A1 PCT/CN2021/117194 CN2021117194W WO2022160724A1 WO 2022160724 A1 WO2022160724 A1 WO 2022160724A1 CN 2021117194 W CN2021117194 W CN 2021117194W WO 2022160724 A1 WO2022160724 A1 WO 2022160724A1
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Prior art keywords
resource
special
account
information
application
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PCT/CN2021/117194
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English (en)
French (fr)
Inventor
袁成凤
丁林润
巨晓红
胡新松
罗高翔
郑波
刘白卿
杜霞
耿政
孟宏文
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***股份有限公司
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Publication of WO2022160724A1 publication Critical patent/WO2022160724A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/20—Education
    • G06Q50/205—Education administration or guidance
    • G06Q50/2057—Career enhancement or continuing education service

Definitions

  • the present disclosure belongs to the field of Internet technologies, and in particular, relates to a resource processing method, apparatus, device and medium.
  • Embodiments of the present disclosure provide a resource processing method, apparatus, device, and medium, which can improve resource transfer efficiency and improve user payment experience.
  • an embodiment of the present disclosure provides a resource processing method, which is applied to a service platform.
  • the resource processing method may include:
  • the application platform is the platform corresponding to the application program received by the user, and the resource application request includes the user information of the user;
  • an account application request is sent to the credit service platform.
  • the account application request includes user information and special resource attribute information.
  • the account application request is used to apply for a special account corresponding to the user according to the user information.
  • the special account is used to store resources corresponding to the attribute information of special resources;
  • the account information of the special account is sent to the application platform, and the special credit resources in the special account are used to pay the target order related to the attribute information of the special resource.
  • an embodiment of the present disclosure provides a resource processing method, which is applied to a credit service platform.
  • the resource processing method may include:
  • the account application request includes user information and special resource attribute information
  • an embodiment of the present disclosure provides a resource processing method, which is applied to an application platform, and the resource processing method may include:
  • a resource application request is sent to the service platform, the resource application request includes user information of the user, the resource application request is used to apply for a special account for paying the target order, and the target order is related to the special resource attribute information of the service platform;
  • the special account includes special credit resources, and the special credit resources are used to pay the target order.
  • an embodiment of the present disclosure provides a resource processing method, which is applied to a government service platform.
  • the resource processing method may include:
  • the review feedback information includes the result information of the resource application review and approval corresponding to the user information, and the result information is used to represent that the user information meets the preset review conditions.
  • an embodiment of the present disclosure provides a resource processing apparatus, which is applied to a service platform, and the resource processing apparatus may include:
  • the receiving module is used to receive the resource application request sent by the application platform, the application platform is the platform corresponding to the application program input by the user, and the resource application request includes the user information of the user;
  • the sending module is used to send an account application request to the credit service platform when it is detected that the user information meets the preset review conditions.
  • the account application request includes user information and special resource attribute information, and the account application request is used to apply for and The special account corresponding to the user, the special account is used to store resources corresponding to the attribute information of special resources;
  • the receiving module is further configured to receive first feedback information sent by the credit service platform for the account application request, where the first feedback information includes account information of the special account;
  • the sending module is also used for sending the account information of the special account to the application platform, and the special credit resources in the special account are used to pay the target order related to the attribute information of the special resource.
  • an embodiment of the present disclosure provides a resource processing apparatus, which is applied to a credit service platform, and the resource processing apparatus may include:
  • the receiving module is used to receive the account application request sent by the service platform, and the account application request includes user information and special resource attribute information;
  • the processing module is used to determine the user's special account according to the user information and the special resource attribute information, and the special account is used to store the resources corresponding to the special resource attribute information;
  • the sending module is configured to send first feedback information to the service platform, where the first feedback information includes account information of the special account.
  • an embodiment of the present disclosure provides a resource processing apparatus, which is applied to an application platform, and the resource processing apparatus may include:
  • a receiving module configured to receive the first input of the user for the resource application
  • the sending module is used to send a resource application request to the service platform in response to the first input, the resource application request includes the user information of the user, the resource application request is used to apply for a special account for paying the target order, and the special resource attribute of the target order and the service platform information;
  • the receiving module is also used to receive the account information of the special account sent by the service platform, the special account includes special credit resources, and the special credit resources are used to pay the target order.
  • an embodiment of the present disclosure provides a resource processing apparatus, which is applied to a government service platform, and the resource processing apparatus may include:
  • the receiving module is used to receive the audit request sent by the service platform, and the audit request includes the user information of the user;
  • the review module is used to review the user information of the user through the preset review conditions, and obtain the result information of the review and approval of the resource application corresponding to the user information;
  • the sending module is used to send the review feedback information to the service platform, the review feedback information includes the result information of the resource application review and approval corresponding to the user information, and the result information is used to represent that the user information meets the preset review conditions.
  • an embodiment of the present disclosure provides a server based on a service platform, including:
  • an embodiment of the present disclosure provides a server based on a credit service platform, including:
  • the resource processing method shown in the second aspect is implemented when the processor executes the computer program instructions.
  • an embodiment of the present disclosure provides a resource processing device, including:
  • an embodiment of the present disclosure provides a server based on a government service platform, including:
  • an embodiment of the present disclosure provides a resource processing system, and the resource processing system may include:
  • an embodiment of the present disclosure provides a computer-readable storage medium, where computer program instructions are stored on the computer-readable storage medium, and when the computer program instructions are executed by a processor, the first aspect, the second aspect, the The resource processing method shown in the third aspect or the fourth aspect.
  • the resource processing method, device, device, and medium of the embodiments of the present disclosure pay the target order related to the attribute information of the special resource by applying for the special account and the special credit resource in the special account.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • the special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • FIG. 1 is a schematic diagram of a system architecture of an embodiment of an embodiment of a resource processing method provided by the present disclosure
  • FIG. 2 is a schematic diagram of another embodiment of the system architecture of the embodiment of the resource processing method provided by the present disclosure
  • FIG. 3 is a schematic flowchart of an embodiment of a resource processing method applied to a service platform according to an embodiment of the resource processing method of the first aspect of the present disclosure
  • FIG. 4 is a schematic flowchart of an embodiment of a resource processing method applied to a credit service platform according to an embodiment of the resource processing method of the second aspect of the present disclosure
  • FIG. 5 is a schematic flowchart of an embodiment of a resource processing method applied to an application platform according to an embodiment of the resource processing method of the third aspect of the present disclosure
  • FIG. 6 is a schematic flowchart of an embodiment of a resource processing method applied to a government service platform according to an embodiment of the resource processing method of the fourth aspect of the present disclosure
  • FIG. 7 is a schematic diagram of process interaction according to an embodiment of a resource processing method provided by the present disclosure.
  • FIG. 8 is a schematic structural diagram of a resource processing apparatus applied to a service platform according to an embodiment of the resource processing apparatus of the fifth aspect of the present disclosure
  • FIG. 9 is a schematic structural diagram of a resource processing apparatus applied to a credit service platform according to an embodiment of the resource processing apparatus of the sixth aspect of the present disclosure.
  • FIG. 10 is a schematic structural diagram of a resource processing apparatus applied to an application platform according to an embodiment of the resource processing apparatus of the seventh aspect of the present disclosure
  • FIG. 11 is a schematic structural diagram of a resource processing apparatus applied to a government service platform according to an embodiment of the resource processing apparatus of the eighth aspect of the present disclosure
  • FIG. 12 is a schematic diagram of a hardware structure of an embodiment of resource processing provided according to the present disclosure.
  • the embodiment of the present disclosure provides a resource processing architecture, which includes a server 10 of a service platform, a server 20 of a credit service platform, a resource processing device 30 and a server 40 of the government service platform.
  • the server 10 of the service platform may establish a communication connection with the server 20 of the credit service platform, the resource processing device 30 and the server 40 of the government service platform respectively, so that when the server 40 of the government service platform determines that the user meets the conditions for applying for a special account, According to the resource application request received from the resource processing device 30, a special account and special credit resources in the special account are applied to the server 20 of the credit service platform, and the special credit resources are used to pay the target order related to the attribute information of the special resource.
  • the server 40 of the government service platform is notified to transfer the special resources to the special account, so that the credit service platform based on the special resources, under the preset authority Order-related resources in the special account are deducted.
  • the server 40 of the government service platform can determine whether the user meets the conditions for applying for the special account according to the review request sent by the server 10 of the service platform, and approve the quota of special resources in the special account when the user meets the conditions for applying for the special account.
  • the server 40 may include a skill government review platform and/or a skill subsidy issuing platform.
  • the server 20 of the credit service platform may be, for example, a banking platform, a third-party resource and/or an account issuing platform.
  • the resource processing device 30 may be an electronic device running the application platform or a server running the application platform. As shown in FIG. 1 , the resource processing device 30 is described by taking the electronic device running the application platform as an example.
  • the user may receive a first input of the user selecting a resource application through an application platform running on the resource processing device 30, and in response to the first input, the resource processing device 30 sends a resource application request to the server 10 based on the service platform,
  • the resource application request includes user information of the user.
  • the server 10 of the service platform sends an audit request to the government service platform according to the received resource application request sent by the application platform in the resource processing device 30, and the audit request is used to request the audit result of the resource application corresponding to the user information.
  • the server 10 of the service platform sends an account application request to the credit service platform of the server 20 of the credit service platform, and the account application request Including the user information of the user and the attribute information of the special resource can be understood as the application field of the special resource, such as the attribute information of the resource used when paying for skill A or the attribute information of the resource used when paying for skill B, and the account application request is used to apply based on user information.
  • the special account corresponding to the user is such as the user's second-class account or third-class account, and the special account is used to store the resources corresponding to the attribute information of the special resource.
  • the second type of account may include an account that cannot access cash or transfer money to an unbound account, such as a credit account
  • the third type of account may include an account used for quick payment such as QuickPass, password-free payment, and the like.
  • the server 20 of the credit service platform determines the user's special account according to the user information and the special resource attribute information in the account application request.
  • the server 20 of the credit service platform sends first feedback information to the service platform of the server 10 of the service platform, where the first feedback information includes account information of the special account.
  • the service platform of the server 10 of the service platform receives the first feedback information sent by the credit service platform for the account application request, and sends the account information of the special account to the application platform of the resource processing device 30, and the special credit resources in the special account are used for Pay for target orders related to specific resource attribute information.
  • the resource processing framework completes the approval process of the user's special account and the special credit resources of the special account.
  • the following describes the use process of the special credit resources in detail.
  • the server 10 of the service platform After the user pays the target order through the special credit resources of the special account, and the server 20 of the credit service platform successfully deducts the special credit resources, the server 10 of the service platform sends the first special resource transfer request to the server 40 of the government service platform, the first special resource transfer request.
  • the resource transfer request is used to prompt the server 40 of the government service platform to transfer special resources into the special account, and to send notification information to the server 20 of the credit service platform, and the notification information is used to notify the server 20 of the credit service platform that the special resource is based on the special resource.
  • the resources related to the target order in the special account are deducted within the preset authority.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • the special credit resources in the special account in the embodiment of the present disclosure are credit resources, and the special resources are resources issued by the service platform according to the attribute information of the special resources, and are mainly used for repayment of the credit resources.
  • the embodiment of the present disclosure also provides a possible resource processing architecture.
  • the difference between the resource processing architecture and the resource processing architecture in FIG. 1 is that in FIG. 1 , the target order is paid through the special credit resources in the special account,
  • the server 10 of the server platform in FIG. 2 can split the target order into a first sub-order and a second sub-order.
  • the first sub-order can be paid by other bound accounts of the user, namely the first account such as a first-class account, and the second sub-order
  • the order can be paid through the special credit resources in the special account, so the details can be described in detail with reference to Figure 2.
  • a class of accounts may include accounts opened through traditional bank counters that meet all the strict requirements of the real-name system, such as savings accounts or debit accounts.
  • the server 40 of the government service platform since the special credit resources in the special account pay for the second sub-order, the server 40 of the government service platform only needs to transfer the resource value of the special resource into the special account corresponding to the resource value involved in the second sub-order.
  • the server 10 of the service platform sends a second special resource transfer request to the server 40 of the government service platform, and the second special resource transfer request includes the resource value of the second sub-order.
  • the server 40 of the government service platform transfers the special resource corresponding to the resource value of the second sub-order to the special account based on the resource value of the second sub-order, so that the server 20 of the credit service platform based on the resource value corresponding to the second sub-order , the resources related to the second sub-order in the special account will be deducted within the preset authority. As shown in FIG.
  • an embodiment of the present disclosure provides a resource processing architecture, which includes a server 10 of a service platform, a server 20 of a credit service platform, a resource processing device 30, a server 40 of a government service platform, and a payment collection server party's server 50.
  • the server 10 of the service platform, the server 20 of the credit service platform, and the server 40 of the resource processing device 30 of the government affairs service platform are all the same as those involved in FIG. 1 , and will not be repeated here.
  • the payee's server 50 operates as a skills training payout platform.
  • the resource processing architecture in FIG. 2 can complete the approval process of the user's special account and the special credit resources of the special account through the process shown in FIG. 1 , which will not be repeated here.
  • the following is a detailed description of the use process of special credit resources.
  • the server 10 of the service platform splits the target order according to the resource application to obtain the first sub-order and the second sub-order.
  • the server 10 of the service platform sends the first sub-order and the second sub-order to the server 50 of the payee, and the server 40 of the payee sends the first sub-order and the second sub-order to the resource processing device 30 sub-order.
  • the resource processing device 30 receives the first sub-order and the second sub-order, the first sub-order can be paid through the user's first account, and the second sub-order can be paid through the special credit resources in the special account.
  • the server 10 of the service platform detects that the payment target order is completed, it transfers the special resource corresponding to the resource value to the special account so as to complete the repayment.
  • the target order related to the attribute information of the special resource is paid.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • the special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • FIG. 3 is a schematic flowchart of an embodiment of a resource processing method applied to a service platform according to an embodiment of the resource processing method of the first aspect of the present disclosure.
  • the resource processing method may be applied to the server of the service platform shown in FIG. 1 or FIG. 2 , and based on this, the method may specifically include steps 310 to 340 .
  • step 310 a resource application request sent by an application platform is received, the application platform is a platform corresponding to an application program input by a user, and the resource application request includes user information of the user.
  • step 320 if the user information satisfies the preset review conditions, send an account application request to the credit service platform, the account application request includes user information and special resource attribute information, and the account application request is used to apply for a corresponding user according to the user information
  • the special account is used to store resources corresponding to the attribute information of special resources.
  • step 330 first feedback information sent by the credit service platform for the account application request is received, where the first feedback information includes account information of the special account.
  • step 340 the account information of the special account is sent to the application platform, and the special credit resources in the special account are used to pay the target order related to the attribute information of the special resource.
  • the target order related to the attribute information of the special resource is paid.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • the special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • the resource processing method further includes:
  • the audit request includes the user's user information, and the audit request is used to request the audit result of the resource application corresponding to the user information;
  • the review feedback information sent by the government service platform is received.
  • the review feedback information includes the result information of the resource application review and approval corresponding to the user information, and the result information is used to indicate that the user information meets the preset review conditions.
  • determining whether the user information satisfies the preset review conditions may also be performed by the service platform.
  • the resource processing method in the case where the user information includes personal identity information and/or biometric information, before step 320, the resource processing method also includes:
  • the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.
  • a re-application notification is sent to the application platform, and the re-application notification is used to notify the user that the user information filled in is inaccurate, so that the user can re-fill the user information.
  • the preset platform whitelist does not include a resource application platform
  • the application platform sends notification information that the resource application cannot be made.
  • step 220 in order to ensure that the service platform can have the right to apply for special accounts and special credit resources, the server of the service platform can apply to the user for authorization.
  • step 220 may specifically include:
  • an account application request is sent to the credit service platform, and the second feedback information is used to represent the authority granted to the service platform to apply for an account.
  • the method may further include:
  • the third feedback information represents the authorization granted to the application platform to request a special credit resource application through the user's credit information
  • a credit resource application request is sent to the credit service platform, and the credit resource application request is used to apply for special credit resources in the special account.
  • the special credit resources are the resources issued by the credit service platform according to the user's credit
  • the credit service platform needs to be repaid.
  • the special credit resource in the account pays the target order related to the attribute information of the special resource
  • the first special resource transfer request is sent to the government service platform.
  • the first special resource transfer request is used to prompt the government service platform to transfer the special resource to the special account. So that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resources.
  • the target order includes a first sub-order and a second sub-order
  • the first sub-order is paid by the user's first account
  • the first account is a first-class account of the user.
  • a second special resource transfer request is sent to the government service platform, and the second special resource transfer request is used to prompt the government service platform to transfer the special resource corresponding to the resource value of the second sub-order to the special account , so that the credit service platform deducts the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.
  • the special account provided by the embodiment of the present disclosure may be a second-type account or a third-type account of the user.
  • the present disclosure also provides a resource processing method applied to a credit service platform. Specifically, detailed description is given with reference to FIG. 4 .
  • FIG. 4 is a schematic flowchart of an embodiment of a resource processing method applied to a credit service platform according to an embodiment of the resource processing method of the second aspect of the present disclosure.
  • the resource processing method can be applied to the server of the credit service platform as shown in FIG. 1 or FIG. 2 , and based on this, the method may specifically include steps 410 to 430 .
  • step 410 an account application request sent by the service platform is received, and the account application request includes user information and special resource attribute information.
  • step 420 the user's special account is determined according to the user information and the special resource attribute information, and the special account is used to store the resources corresponding to the special resource attribute information.
  • step 430 first feedback information is sent to the service platform, where the first feedback information includes account information of the special account.
  • the method may further include:
  • the method may further include:
  • the resource related to the order in the special account is deducted within the preset authority.
  • the present disclosure also provides a resource processing method applied to an application platform. Specifically, detailed description is given with reference to FIG. 5 .
  • FIG. 5 is a schematic flowchart of an embodiment of a resource processing method applied to an application platform according to an embodiment of the resource processing method of the third aspect of the present disclosure.
  • the resource processing method may be applied to the server of the application platform shown in FIG. 1 or FIG. 2 , and based on this, the method may specifically include steps 510 to 530 .
  • step 510 a first input of a resource application by a user is received.
  • a resource application request is sent to the service platform, the resource application request includes user information of the user, the resource application request is used to apply for a special account for paying the target order, the target order and the service platform's special resource attributes information related.
  • step 530 the account information of the special account sent by the service platform is received, the special account includes special credit resources, and the special credit resources are used to pay the target order.
  • the method may further include steps 5301 to 5303 .
  • Step 5301 Receive an account application authority request sent by the service platform, where the account application authority request is used to request the account application authority.
  • Step 5302 determine the permission granted to the service platform to apply for the account.
  • Step 5303 Send second feedback information to the service platform, where the second feedback information is used to represent the authority granted to the service platform to apply for an account.
  • the method may further include:
  • the resource application permission request determine the permission granted to the application platform to request special credit resource application through the user's credit information
  • FIG. 6 is a schematic flowchart of an embodiment of a resource processing method applied to a government service platform according to an embodiment of the resource processing method of the fourth aspect of the present disclosure.
  • the resource processing method may be applied to the server of the government affairs service platform as shown in FIG. 1 or FIG. 2 , and based on this, the method may specifically include steps 610 to 630 .
  • Step 610 Receive an audit request sent by the service platform, where the audit request includes user information of the user.
  • step 620 the user information of the user is reviewed by the preset review conditions, and result information of the resource application corresponding to the user information being reviewed and approved is obtained.
  • this step 620 may specifically include:
  • the personal identity information is matched with the pre-stored personal identity information, and/or the biometric information is matched with the pre-stored biometric information to obtain a matching result.
  • the resource application platform corresponding to the special resource attribute information is obtained according to the special resource attribute information, and if the preset whitelist of platforms includes the resource application platform, it is determined that the user information satisfies the preset review conditions .
  • a re-application notification is sent to the application platform, and the re-application notification is used to notify the user that the user information filled in is inaccurate, so that the user can re-fill the user information.
  • the preset platform whitelist does not include a resource application platform
  • the application platform sends notification information that the resource application cannot be made.
  • Step 630 Send audit feedback information to the service platform, where the audit feedback information includes the result information that the resource application corresponding to the user information has passed the audit, and the result information is used to indicate that the user information satisfies the preset audit conditions.
  • the resource processing method may further include:
  • the resource processing method may further include:
  • the target order includes a first sub-order and a second sub-order
  • the first sub-order is paid by the user's first account
  • a second special resource transfer request sent by the service platform is received, and the second special resource transfer request includes the second The resource value of the child order
  • the special resource corresponding to the resource value of the second sub-order is transferred to the special account, so that the credit service platform, based on the special resource corresponding to the resource value of the second sub-order, within the preset authority
  • the resources related to the second child order in the special account are deducted.
  • the resource processing method of the embodiment of the present disclosure pays the target order related to the attribute information of the special resource by applying for the special account and the special credit resource in the special account.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • the special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • the embodiment of the present disclosure describes the resource processing method in detail with reference to the architecture shown in FIG. 1 .
  • the resource processing method may include steps 701 to 716, as shown in detail below.
  • step 701 the resource processing device receives a user's selection input of selecting a training subsidy payment option in the application platform.
  • Step 702 in response to the selection input, the resource processing device displays an application information registration interface. And obtain user information according to the application information registration interface.
  • Step 703 The resource processing device sends a resource application request to the server of the service platform, where the resource application request includes user information of the user.
  • Step 704 the server of the service platform sends an audit request to the government service platform in the server of the government service platform, the audit request includes the user information of the user, and the audit request is used to request the audit result of the resource application corresponding to the user information.
  • step 705 the government affairs service platform reviews the user information of the user through preset review conditions, obtains the result information of the resource application review and approval corresponding to the user information, and sends the review feedback information to the service platform, where the review feedback information includes the information corresponding to the user information.
  • the result information of the resource application that has passed the review, and the result information is used to indicate that the user information meets the preset review conditions.
  • step 706 the server of the service platform determines the request for permission to apply according to the received review feedback information, and sends the request for permission to apply for the account to the application platform, where the permission request for the account application is used to request the permission of the account application.
  • Step 707 The resource processing device receives the account application permission request, and determines the permission granted to the service platform to perform account application according to the account application permission request. Then, the resource processing device sends second feedback information to the service platform, where the second feedback information is used to represent the authority granted to the service platform to apply for an account.
  • Step 708 After the service platform receives the second feedback information, it sends an account application request to the credit service platform, where the account application request includes user information and special resource attribute information.
  • Step 709 The credit service platform receives the account application request, and determines the user's special account, such as a second-class account or a third-class account, according to the user information and the attribute information of the special resource.
  • the credit service platform sends the account opening success information to the service platform.
  • Step 710 the service platform receives the account opening success information, and determines the resource application permission request.
  • the account opening success information and the resource application permission request are sent to the application platform, and the resource application permission request is used to request the application platform to grant the service platform permission to apply for resources.
  • Step 711 the application platform determines, according to the resource application permission request, the permission granted to the service platform for resource application. Then, the resource processing device sends third feedback information to the service platform according to the authority granted to the service platform to apply for resources.
  • the third feedback information is used to represent the authority granted to the application platform to request a special credit resource application through the user's credit information.
  • Step 712 the service platform receives the third feedback information, and sends a credit resource application request to the credit service platform, where the credit resource application request is used to apply for special credit resources in the special account.
  • the special credit resource is a resource issued by the credit service platform according to the user's credit. Therefore, after the special credit resource is used up, the credit service platform needs to perform a repayment operation.
  • Step 713 the credit service platform receives the credit resource application request, and based on the resource application request, obtains the user's credit information from a third-party trusted platform; in the case that the credit information meets the preset conditions, it is determined to correspond to the special resource attribute information.
  • the resource value of add the special credit resource corresponding to the resource value in the special account.
  • the credit service platform sends first feedback information to the service platform, where the first feedback information includes account information of the special account.
  • Step 714 the service platform receives the first feedback information, and sends the account information of the special account to the application platform, and the special credit resources in the special account are used to pay the target order related to the attribute information of the special resource.
  • Step 715 After the service platform detects that the special credit resources in the special account pay the target order related to the attribute information of the special resource, or after detecting that the user has completed the training process, the service platform sends the first special resource transfer to the government service platform. Request, the special resource transfer request is used to prompt the government service platform to transfer special resources to the special account.
  • Step 716 the government service platform transfers the special resources to the special account according to the target order, so that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resources.
  • the resource processing method provided by the embodiments of the present disclosure, on the one hand, for the training participants and the payee such as the training institution, the training participants do not need to go to the training institution offline to advance payment and/or write off training vouchers.
  • you only need to apply for a special account online and use special credit resources in real time you can pay for the use of special credit resources online, and complete the confirmation with the training institution online, which greatly improves the efficiency of the entire training process and avoids the need for users to
  • the payment training cannot be completed because it cannot be advanced with its own funds, which improves the user's payment experience and reduces the labor cost and financial cost of the training institution.
  • the special credit resources in the special account can be used for special purposes, which improves the efficiency of resource transfer, facilitates the continuous and effective tracking and optimization of special credit resources, and improves the credit service platform. user stickiness.
  • online platforms can be used to conveniently complete the right distribution of skill subsidies, which reduces the labor and financial costs of skill subsidy distribution and improves the efficiency of skill subsidy distribution.
  • the present disclosure also provides a resource processing apparatus applied to a service platform. Specifically, detailed description is given with reference to FIG. 8 .
  • FIG. 8 is a schematic structural diagram of a resource processing apparatus applied to a service platform according to an embodiment of the resource processing apparatus of the fifth aspect of the present disclosure.
  • the resource processing apparatus shown in FIG. 8 may be set in the server of the service platform shown in FIG. 1 or FIG. 2 , and the resource processing apparatus 80 may specifically include:
  • a receiving module 801 configured to receive a resource application request sent by an application platform, where the application platform is a platform corresponding to an application program input by a user, and the resource application request includes user information of the user;
  • the sending module 802 is configured to send an account application request to the credit service platform when the user information meets the preset review conditions, the account application request includes user information and special resource attribute information, and the account application request is used to apply for and communicate with the user according to the user information.
  • the corresponding special account which is used to store resources corresponding to the attribute information of special resources;
  • the receiving module 801 is further configured to receive first feedback information sent by the credit service platform for the account application request, where the first feedback information includes account information of the special account;
  • the sending module 802 is further configured to send the account information of the special account to the application platform, and the special credit resources in the special account are used to pay the target order related to the attribute information of the special resource.
  • the user's own resources are replaced by special credit accounts and special credit resources, which improves the efficiency of resource transfer and prevents users from being unable to complete payment training due to inability to advance payment with their own funds.
  • special credit resources in the special account are used for special purposes, which is conducive to the continuous and effective tracking and optimization of the special credit resources.
  • the resource processing device 80 will be described in detail below, and the details are as follows.
  • the resource processing apparatus 80 in the embodiment of the present disclosure may further include a matching module. Based on this, in the case where the user information includes personally identifiable information and/or biometric information, a matching module for matching the personally identifiable information with pre-stored personally identifiable information, and/or matching the biometric information with the pre-stored biometric information The information is matched, and the matching result is obtained;
  • the resource application platform corresponding to the special resource attribute information is obtained according to the special resource attribute information, and in the case that the preset platform whitelist includes the resource application platform, it is determined that the user information satisfies the preset review conditions .
  • the sending module 802 in the embodiment of the present disclosure is further configured to send an audit request to the government service platform, where the audit request includes user information of the user, and the audit request is used to request the audit result of the resource application corresponding to the user information.
  • the receiving module 801 in the embodiment of the present disclosure is further configured to receive the review feedback information sent by the government affairs service platform, where the review feedback information includes the result information of the resource application review and approval corresponding to the user information, and the result information is used to indicate that the user information satisfies the preset review condition.
  • the sending module 802 in the embodiment of the present disclosure is further configured to send an account application permission request to the application platform when the user information satisfies the preset review conditions, where the account application permission request is used to request the account application permission request. permissions. And, the sending module 802 is further configured to, upon receiving the second feedback information sent by the service platform, send an account application request to the credit service platform, where the second feedback information is used to represent the authority granted to the service platform for account application.
  • the sending module 802 in the embodiment of the present disclosure is further configured to send a resource application permission request to the application platform, where the resource application permission request is used for requesting permission for a special credit resource application.
  • the receiving module 801 in the embodiment of the present disclosure is further configured to receive the third feedback information sent by the application platform.
  • the sending module 802 in the embodiment of the present disclosure is further configured to send a credit resource application request to the credit service platform when the third feedback information represents the authorization granted to the application platform to request a special credit resource application through the user's credit information. Apply for the special credit resources in the special account.
  • the sending module 802 in the embodiment of the present disclosure is further configured to, when detecting that the special credit resource in the special account pays the target order related to the attribute information of the special resource, send the first order to the government service platform.
  • a special resource transfer request is used to prompt the government service platform to transfer the special resource to the special account, so that the credit service platform can deduct the resources related to the order in the special account within the preset authority based on the special resource.
  • the sending module 802 is further configured to, in the case that the target order includes a first sub-order and a second sub-order, and the first sub-order is paid by the user's first account, according to the resource value of the second sub-order, to the government
  • the service platform sends a second special resource transfer request, and the second special resource transfer request is used to prompt the government service platform to transfer the special resource corresponding to the resource value of the second sub-order to the special account, so that the credit service platform can base on the second sub-order
  • the special resource corresponding to the resource value of deducts the resources related to the second sub-order in the special account within the preset authority, and the special account is the user's second-class account or third-class account.
  • the present disclosure also provides a resource processing device applied to a credit service platform. Specifically, detailed description is given with reference to FIG. 9 .
  • FIG. 9 is a schematic structural diagram of a resource processing apparatus applied to a credit service platform according to an embodiment of the resource processing apparatus of the sixth aspect of the present disclosure.
  • the resource processing apparatus shown in FIG. 9 may be set in the server of the credit service platform shown in FIG. 1 or FIG. 2 , and the resource processing apparatus 90 may specifically include:
  • a receiving module 901, configured to receive an account application request sent by the service platform, where the account application request includes user information and special resource attribute information;
  • the processing module 902 is configured to determine the user's special account according to the user information and the special resource attribute information, and the special account is used to store the resources corresponding to the special resource attribute information;
  • the sending module 903 is configured to send first feedback information to the service platform, where the first feedback information includes account information of the special account.
  • the resource processing device 90 will be described in detail below, and the details are as follows.
  • the resource processing apparatus 90 in the embodiment of the present disclosure may further include an acquisition module, a determination module, and an addition module.
  • the receiving module 901 is further configured to receive a credit resource application request sent by the service platform.
  • the acquisition module is used to acquire the user's credit information from the third-party trusted platform based on the resource application request.
  • the determining module is configured to determine the resource value corresponding to the attribute information of the special resource under the condition that the credit information satisfies the preset condition. Add module to add special credit resources corresponding to resource value in special account.
  • the resource processing apparatus 90 in the embodiment of the present disclosure may further include an adding module for, when it is detected that the special credit resource in the special account is used to pay the target order related to the attribute information of the special resource, based on the For special resources, the resources related to the order in the special account are deducted within the preset authority.
  • the present disclosure also provides a resource processing apparatus applied to an application platform. Specifically, detailed description is given with reference to FIG. 10 .
  • FIG. 10 is a schematic structural diagram of a resource processing apparatus applied to an application platform according to an embodiment of the resource processing apparatus of the seventh aspect of the present disclosure.
  • the resource processing apparatus 100 shown in FIG. 10 may be set in the resource processing device shown in FIG. 1 or FIG. 2 , and the resource processing apparatus 100 may specifically include:
  • a receiving module 1001 configured to receive a first input of a resource application from a user
  • the sending module 1002 is configured to send a resource application request to the service platform in response to the first input, the resource application request includes user information of the user, the resource application request is used to apply for a special account for paying the target order, the target order and the special resource of the service platform attribute information;
  • the receiving module 1001 is further configured to receive account information of a special account sent by the service platform, where the special account includes special credit resources, and the special credit resources are used to pay the target order.
  • the resource processing apparatus 100 will be described in detail below, and the details are as follows.
  • the resource processing apparatus 100 in the embodiment of the present disclosure may further include a determination module.
  • the receiving module 1001 is further configured to receive an account application authority request sent by the service platform, where the account application authority request is used to request the account application authority.
  • the determining module is used to determine the authorization granted to the service platform to apply for the account according to the account application authorization request.
  • the sending module 1002 is further configured to send second feedback information to the service platform, where the second feedback information is used to represent the authority granted to the service platform to apply for an account.
  • the receiving module 1001 is further configured to receive a resource application permission request sent by the service platform, where the resource application permission request is used to request the permission of a special credit resource application.
  • the determining module is further configured to, according to the resource application permission request, determine the permission granted to the application platform to request a special credit resource application through the user's credit information.
  • the sending module 1002 is further configured to send third feedback information to the application platform, where the third feedback information is used to represent the authority granted to the application platform to request a special credit resource application through the user's credit information.
  • the present disclosure also provides a resource processing device applied to a government service platform. Specifically, detailed description is given with reference to FIG. 11 .
  • Fig. 11 is a schematic structural diagram of a resource processing apparatus applied to a government service platform according to an embodiment of the resource processing apparatus of the eighth aspect of the present disclosure.
  • the resource processing apparatus 110 shown in FIG. 11 may be set in the server of the government service platform shown in FIG. 1 or FIG. 2 , and the resource processing apparatus 110 may specifically include:
  • a receiving module 1101, configured to receive an audit request sent by the service platform, where the audit request includes user information of the user;
  • the auditing module 1102 is configured to audit the user information of the user through preset auditing conditions, and obtain the result information that the resource application corresponding to the user information has been audited;
  • the sending module 1103 is configured to send audit feedback information to the service platform, where the audit feedback information includes the result information that the resource application corresponding to the user information has passed the audit, and the result information is used to indicate that the user information satisfies the preset audit conditions.
  • the resource processing apparatus 110 will be described in detail below, and the details are as follows.
  • the resource processing apparatus 110 in the embodiments of the present disclosure may further include a transfer module. Based on this, the receiving module 1101 can also be used to receive the first special resource transfer request sent by the service platform. Resource, the resources related to the order in the special account are deducted within the preset authority.
  • the receiving module 1101 may also be used to receive the service platform
  • the second special resource transfer request sent, the second special resource transfer request includes the resource value of the second sub-order, and the transfer module is further configured to, based on the resource value of the second sub-order, convert the resource value corresponding to the second sub-order.
  • the special resources are transferred to the special account, so that the credit service platform can deduct the resources related to the second sub-order in the special account within the preset authority based on the special resources corresponding to the resource value of the second sub-order.
  • the auditing module 1102 in this embodiment of the present disclosure may be specifically configured to, in the case that the user information includes personal identity information and/or biometric information, conduct the verification between the personal identity information and the pre-stored personal identity information. matching, and/or matching biometric information with pre-stored biometric information to obtain a matching result.
  • the matching result indicates that the matching is successful
  • the resource application platform corresponding to the special resource attribute information is obtained according to the special resource attribute information.
  • the preset platform whitelist includes the resource application platform, it is determined that the user information meets the preset review conditions.
  • the resource processing device provided by the embodiment of the present disclosure, on the one hand, for the training participants and the payee such as the training institution, the training participants do not need to go to the training institution offline to advance payment and/or write off training vouchers, and only need to After applying for a special account in real time online and using the special credit resources, you can pay for the use of the special credit resources online, and complete the confirmation with the training institution online, which greatly improves the efficiency of the entire training process and avoids the user's inability to use their own resources.
  • the payment training cannot be completed with funds advanced, which improves the user's payment experience and reduces the labor cost and financial cost of the training institution.
  • the special credit resources in the special account can be used for special purposes, which improves the efficiency of resource transfer, facilitates the continuous and effective tracking and optimization of special credit resources, and improves the credit service platform. user stickiness.
  • online platforms can be used to conveniently complete the right distribution of skill subsidies, which reduces the labor and financial costs of skill subsidy distribution and improves the efficiency of skill subsidy distribution.
  • the present disclosure also provides a computing device. Specifically, detailed description is given with reference to FIG. 12 .
  • FIG. 12 is a schematic diagram of a hardware structure of an embodiment of resource processing provided according to the present disclosure.
  • the computing device 120 may be the server of the service platform shown in FIG. 1 or FIG. 2 , the server of the credit service platform shown in FIG. 1 or FIG. 2 , or the server of the credit service platform shown in FIG. 1 or FIG.
  • the resource processing device shown in FIG. 2 may also be the server of the government service platform shown in FIG. 1 or FIG. 2 .
  • the computing device may include a processor 1201 and a memory 1202 storing computer program instructions.
  • the above-mentioned processor 1201 may include a central processing unit (CPU), or a specific integrated circuit (Application Specific Integrated Circuit, ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present disclosure.
  • CPU central processing unit
  • ASIC Application Specific Integrated Circuit
  • Memory 1202 may include mass storage for data or instructions.
  • memory 1202 may include a Hard Disk Drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive or two or more A combination of more than one of the above.
  • Storage 1202 may include removable or non-removable (or fixed) media, where appropriate.
  • Storage 1202 may be internal or external to the integrated gateway disaster recovery device, where appropriate.
  • memory 1202 is non-volatile solid state memory.
  • memory 1202 includes read only memory (ROM).
  • the ROM may be a mask programmed ROM, programmable ROM (PROM), erasable PROM (EPROM), electrically erasable PROM (EEPROM), electrically rewritable ROM (EAROM) or flash memory or A combination of two or more of the above.
  • PROM programmable ROM
  • EPROM erasable PROM
  • EEPROM electrically erasable PROM
  • EAROM electrically rewritable ROM
  • flash memory or A combination of two or more of the above.
  • the processor 1201 reads and executes the computer program instructions stored in the memory 1202 to implement any one of the resource processing methods in the foregoing embodiments.
  • the data processing device may also include a communication interface 1203 and a bus 1204 .
  • the processor 1201 , the memory 1202 , and the communication interface 1203 are connected through the bus 1210 and complete the mutual communication.
  • the communication interface 1203 is mainly used to implement communication between modules, apparatuses, units and/or devices in the embodiments of the present disclosure.
  • the bus 1204 includes hardware, software, or both, coupling the components of the flow control device to each other.
  • the bus may include Accelerated Graphics Port (AGP) or other graphics bus, Enhanced Industry Standard Architecture (EISA) bus, Front Side Bus (FSB), HyperTransport (HT) Interconnect, Industry Standard Architecture (ISA) Bus, Infiniband Interconnect, Low Pin Count (LPC) Bus, Memory Bus, Microchannel Architecture (MCA) Bus, Peripheral Component Interconnect (PCI) Bus, PCI-Express (PCI-X) Bus, Serial Advanced Technology Attachment (SATA) bus, Video Electronics Standards Association Local (VLB) bus or other suitable bus or a combination of two or more of the above.
  • Bus 1204 may include one or more buses, where appropriate. Although embodiments of the present disclosure describe and illustrate a particular bus, this disclosure contemplates any suitable bus or interconnect.
  • the resource processing device may execute the resource processing method in the embodiment of the present disclosure, thereby implementing the resource processing method and apparatus described in conjunction with FIG. 1 to FIG. 11 .
  • the embodiments of the present disclosure may be implemented by providing a computer-readable storage medium.
  • Computer program instructions are stored on the computer-readable storage medium; when the computer program instructions are executed by the processor, any one of the resource processing methods in the foregoing embodiments is implemented.
  • Examples of computer-readable storage media shown include non-transitory computer-readable storage media, such as read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), magnetic disks or CD etc.
  • the functional blocks shown in the above structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof.
  • hardware When implemented in hardware, it may be, for example, an electronic circuit, an application specific integrated circuit (ASIC), suitable firmware, a plug-in, a function card, or the like.
  • ASIC application specific integrated circuit
  • elements of the present disclosure are programs or code segments used to perform the required tasks.
  • the program or code segments may be stored in a machine-readable medium or transmitted over a transmission medium or communication link by a data signal carried in a carrier wave.
  • a "machine-readable medium” may include any medium that can store or transmit information.
  • machine-readable media examples include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and the like.
  • the code segments may be downloaded via a computer network such as the Internet, an intranet, or the like.
  • the exemplary embodiments mentioned in the present disclosure describe some methods or systems based on a series of steps or devices.
  • the present disclosure is not limited to the order of the above steps, that is, the steps may be performed in the order mentioned in the embodiment, or may be different from the order in the embodiment, or several steps may be performed simultaneously.

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Abstract

一种资源处理方法、装置、设备及介质，该方法包括：接收应用平台发送的资源申请请求，所述应用平台为接收用户输入的应用程序对应的平台，所述资源申请请求包括所述用户的用户信息（步骤310）；在所述用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，所述帐户申请请求包括所述用户信息和专项资源属性信息，所述帐户申请请求用于根据所述用户信息申请与所述用户对应的专项帐户，所述专项帐户用于存储与所述专项资源属性信息对应的资源（步骤320）；接收所述信用服务平台针对所述帐户申请请求发送的第一反馈信息，所述第一反馈信息包括所述专项帐户的帐户信息（步骤330）；向所述应用平台发送所述专项帐户的帐户信息，所述专项帐户中的专项信用资源用于支付与所述专项资源属性信息相关的目标订单（步骤340）。能够提高资源转移效率，以改善用户的支付体验。

Description

资源处理方法、装置、设备及介质
相关申请的交叉引用
本申请要求享有于2021年01月29日提交的名称为“资源处理方法、装置、设备及介质”的中国专利申请202110121886.5的优先权，该申请的全部内容通过引用并入本文中。
技术领域
本公开属于互联网技术领域，尤其涉及一种资源处理方法、装置、设备及介质。
背景技术
随着互联网经济的快速发展，相关部门采用在线发放培训券的模式加强技术人员的技能培训补贴力度，以提升技能培训效率。
目前，在线发放培训券的模式仍然存在一些问题，一是参训人员需要线下到培训机构缴费并核销培训券，增加了被培训人群的时间、交通等成本，二是参训人员需要先使用自有资金缴费，一些参训人员力不从心，无法完成缴费培训。
发明内容
本公开实施例提供一种资源处理方法、装置、设备及介质，能够提高资源转移效率，以改善用户的支付体验。
第一方面，本公开实施例提供了一种资源处理方法，应用于服务平台，该资源处理方法可以包括：
接收应用平台发送的资源申请请求，应用平台为接收用户输入的应用程序对应的平台，资源申请请求包括用户的用户信息；
在检测到用户信息满足预设审核条件的情况下，向信用服务平台发送 帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息，帐户申请请求用于根据用户信息申请与用户对应的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
接收信用服务平台针对帐户申请请求发送的第一反馈信息，第一反馈信息包括专项帐户的帐户信息；
向应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
第二方面，本公开实施例提供了一种资源处理方法，应用于信用服务平台，该资源处理方法可以包括：
接收服务平台发送的帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息；
根据用户信息和专项资源属性信息，确定用户的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
向服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
第三方面，本公开实施例提供了一种资源处理方法，应用于应用平台，该资源处理方法可以包括：
接收用户对资源申请的第一输入；
响应于第一输入，向服务平台发送资源申请请求，资源申请请求包括用户的用户信息，资源申请请求用于申请支付目标订单的专项帐户，目标订单与服务平台的专项资源属性信息相关；
接收服务平台发送的专项帐户的帐户信息，专项帐户包括专项信用资源，专项信用资源用于支付目标订单。
第四方面，本公开实施例提供了一种资源处理方法，应用于政务服务平台，该资源处理方法可以包括：
接收服务平台发送的审核请求，审核请求包括用户的用户信息；
通过预设审核条件对用户的用户信息进行审核，得到与用户信息对应的资源申请审核通过的结果信息；
向服务平台发送审核反馈信息，审核反馈信息包括与用户信息对应的 资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
第五方面，本公开实施例提供了一种资源处理装置，应用于服务平台，该资源处理装置可以包括：
接收模块，用于接收应用平台发送的资源申请请求，应用平台为接收用户输入的应用程序对应的平台，资源申请请求包括用户的用户信息；
发送模块，用于在检测到用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息，帐户申请请求用于根据用户信息申请与用户对应的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
接收模块还用于，接收信用服务平台针对帐户申请请求发送的第一反馈信息，第一反馈信息包括专项帐户的帐户信息；
发送模块还用于，向应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
第六方面，本公开实施例提供了一种资源处理装置，应用于信用服务平台，该资源处理装置可以包括：
接收模块，用于接收服务平台发送的帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息；
处理模块，用于根据用户信息和专项资源属性信息，确定用户的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
发送模块，用于向服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
第七方面，本公开实施例提供了一种资源处理装置，应用于应用平台，该资源处理装置可以包括：
接收模块，用于接收用户对资源申请的第一输入；
发送模块，用于响应于第一输入，向服务平台发送资源申请请求，资源申请请求包括用户的用户信息，资源申请请求用于申请支付目标订单的专项帐户，目标订单与服务平台的专项资源属性信息相关；
接收模块还用于，接收服务平台发送的专项帐户的帐户信息，专项帐 户包括专项信用资源，专项信用资源用于支付目标订单。
第八方面，本公开实施例提供了一种资源处理装置，应用于政务服务平台，该资源处理装置可以包括：
接收模块，用于接收服务平台发送的审核请求，审核请求包括用户的用户信息；
审核模块，用于通过预设审核条件对用户的用户信息进行审核，得到与用户信息对应的资源申请审核通过的结果信息；
发送模块，用于向服务平台发送审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
第九方面，本公开实施例提供了一种基于服务平台的服务器，包括：
处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现如第一方面所示的资源处理方法。
第十方面，本公开实施例提供了一种基于信用服务平台的服务器，包括：
处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现如第二方面所示的资源处理方法。
第十一方面，本公开实施例提供了一种资源处理设备，包括：
处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现如第三方面所示的资源处理方法。
第十二方面，本公开实施例提供了一种基于政务服务平台的服务器，包括：
处理器以及存储有计算机程序指令的存储器；
处理器执行计算机程序指令时实现如第四方面所示的资源处理方法。
第十三方面，本公开实施例提供了一种资源处理***，该资源处理***可以包括：
如第九方面所示的基于服务平台的服务器、如第十方面所示的基于信用服务平台的服务器、如第十一方面所示的资源处理设备和如第十二方面所示的基于政务服务平台的服务器。
第十四方面，本公开实施例提供了一种计算机可读存储介质，该计算机可读存储介质上存储有计算机程序指令，计算机程序指令被处理器执行时实现如第一方面、第二方面、第三方面或者第四方面所示的资源处理方法。
本公开实施例的资源处理方法、装置、设备及介质，通过申请专项帐户以及专项帐户中的专项信用资源，支付与专项资源属性信息相关的目标订单。这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
附图说明
为了更清楚地说明本公开实施例的技术方案，下面将对本公开实施例中所需要使用的附图作简单的介绍，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1是根据本公开提供的资源处理方法的实施例的一个实施例***架构示意图；
图2是根据本公开提供的资源处理方法的实施例的另一个实施例***架构示意图；
图3是根据本公开第一方面的资源处理方法的实施例的应用于服务平台的资源处理方法的实施例流程示意图；
图4是根据本公开第二方面的资源处理方法的实施例的应用于信用服务平台的资源处理方法的实施例流程示意图；
图5是根据本公开第三方面的资源处理方法的实施例的应用于应用平台的资源处理方法的实施例流程示意图；
图6是根据本公开第四方面的资源处理方法的实施例的应用于政务服务平台的资源处理方法的实施例流程示意图；
图7是根据本公开提供的资源处理方法的实施例的流程交互示意图；
图8是根据本公开第五方面的资源处理装置的实施例的应用于服务平台的资源处理装置的结构示意图；
图9是根据本公开第六方面的资源处理装置的实施例的应用于信用服务平台的资源处理装置的结构示意图；
图10是根据本公开第七方面的资源处理装置的实施例的应用于应用平台的资源处理装置的结构示意图；
图11是根据本公开第八方面的资源处理装置的实施例的应用于政务服务平台的资源处理装置的结构示意图；
图12是根据本公开提供的资源处理的实施例的硬件结构示意图。
具体实施方式
下面将详细描述本公开的各个方面的特征和示例性实施例，为了使本公开的目的、技术方案及优点更加清楚明白，以下结合附图及具体实施例，对本公开进行进一步详细描述。应理解，此处所描述的具体实施例仅被配置为解释本公开，并不被配置为限定本公开。对于本领域技术人员来说，本公开可以在不需要这些具体细节中的一些细节的情况下实施。下面对实施例的描述仅仅是为了通过示出本公开的示例来提供对本公开更好的理解。
需要说明的是，在本文中，诸如第一和第二等之类的关系术语仅仅用来将一个实体或者操作与另一个实体或操作区分开来，而不一定要求或者暗示这些实体或操作之间存在任何这种实际的关系或者顺序。而且，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括……”限定的要素，并不排除在包括要素的过程、方法、物品或者设备中还存在另外的相同要素。
下面结合附图1，通过具体的实施例及其应用场景对本公开实施例提供的资源处理方法进行详细地说明。
本公开实施例提供了一种资源处理架构，该资源处理架构包括服务平台的服务器10、信用服务平台的服务器20、资源处理设备30和政务服务平台的服务器40。
这里，服务平台的服务器10可以分别与信用服务平台的服务器20、资源处理设备30和政务服务平台的服务器40建立通信连接，用于在政务服务平台的服务器40确定用户满足申请专项账户条件时，根据从资源处理设备30接收到的资源申请请求，向信用服务平台的服务器20申请专项账户以及专项账户中的专项信用资源，专项信用资源用于支付与专项资源属性信息相关的目标订单。以及，在用户完成技能培训和/或信用服务平台的服务器20支付完成目标订单时，通知政务服务平台的服务器40向将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。政务服务平台的服务器40可以根据服务平台的服务器10发送的审核请求，确定用户是否满足申请专项账户条件，以及在用户满足申请专项账户条件时批准专项账户中专项资源的额度，该政务服务平台的服务器40可以包括技能政务审核平台和/或技能补贴发放平台。信用服务平台的服务器20可以如银行平台、第三方资源和/或帐户发放平台。资源处理设备30可以为运行应用平台的电子设备，也可以为运行应用平台的服务器，如图1所示，资源处理设备30以运行应用平台的电子设备为例进行了说明。
在一些实施例中，用户可以通过资源处理设备30上运行的应用平台接收用户选择资源申请的第一输入，响应于第一输入，资源处理设备30向基于服务平台的服务器10发送资源申请请求，资源申请请求包括用户的用户信息。
服务平台的服务器10根据接收到的资源处理设备30中应用平台发送的资源申请请求，向政务服务平台发送审核请求，审核请求用于请求与用户信息对应的资源申请的审核结果。在接收到政务服务平台的服务器40发送的用户信息满足预设审核条件的审核反馈信息的情况下，服务平台的服务器10向信用服务平台的服务器20的信用服务平台发送帐户申请请求，帐户申请请求包括用户的用户信息和专项资源属性信息即可以理解为 是专项资源的应用领域如支付技能A时所用资源的属性信息或者支付技能B时所用资源的属性信息，帐户申请请求用于根据用户信息申请与用户对应的专项帐户如用户的二类账户或者三类账户，专项帐户用于存储与专项资源属性信息对应的资源。这里，二类账户可以包括为不能存取现金、也不向非绑定账户转账的帐户，如信用帐户，三类账户可以包括用于快捷支付如闪付、免密支付等帐户。
接着，信用服务平台的服务器20根据帐户申请请求中的用户信息和专项资源属性信息，确定用户的专项帐户。信用服务平台的服务器20向服务平台的服务器10的服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
然后，服务平台的服务器10的服务平台接收信用服务平台针对帐户申请请求发送的第一反馈信息，并向资源处理设备30的应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
以上，该资源处理架构完成了用户的专项账户和专项账户的专项信用资源的审批过程，下面对专项信用资源的使用过程进行详细说明。
在用户通过专项账户的专项信用资源支付目标订单，且信用服务平台的服务器20成功扣除专项信用资源之后，服务平台的服务器10向政府服务平台的服务器40发送第一专项资源转移请求，第一专项资源转移请求用于提示政府服务平台的服务器40可以向专项账户中转入专项资源，并向信用服务平台的服务器20发送通知信息，该通知信息用于通知信用服务平台的服务器20基于专项资源，在预设权限内扣除专项帐户中与目标订单相关的资源。
这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
需要说明的是，本公开实施例中的专项帐户中的专项信用资源为信用 资源，而专项资源为服务平台根据专项资源属性信息下发的资源，主要用于针对信用资源进行还款。
另外，本公开实施例中还提供了可能的资源处理架构，该资源处理架构与图1中的资源处理架构的区别在于，图1中是通过专项账户中的专项信用资源对目标订单进行支付，图2中的服务器平台的服务器10可以将目标订单拆分成第一子订单和第二子订单，第一子订单可以由用户的其他绑定帐户即第一帐户如一类账户支付，第二子订单可以通过专项账户中的专项信用资源进行支付，这样，具体可以结合图2进行详细说明。这里，一类账户可以包括通过传统银行柜面开立的、满足实名制所有严格要求的账户，如储蓄帐户或者借记帐户。
同理，由于专项账户中的专项信用资源支付的是第二子订单，政务服务平台的服务器40只需向专项账户中转入专项资源的资源值与第二子订单中涉及的资源值对应。
由此，服务平台的服务器10向政务服务平台的服务器40发送第二专项资源转移请求，第二专项资源转移请求包括第二子订单的资源值。政务服务平台的服务器40基于第二子订单的资源值，将与第二子订单的资源值对应的专项资源转移到专项帐户，以便信用服务平台的服务器20基于与第二子订单的资源值对应的专项资源，在预设权限内扣除专项帐户中与第二子订单相关的资源。如图2所示，本公开实施例提供了一种资源处理架构，该资源处理架构包括服务平台的服务器10、信用服务平台的服务器20、资源处理设备30、政务服务平台的服务器40和收款方的服务器50。其中，服务平台的服务器10、信用服务平台的服务器20、资源处理设备30政务服务平台的服务器40均与图1中涉及的内容相同，在此不再赘述。在一些实施例中，收款方的服务器50运行如技能培训收款平台。
在一些实施例中，图2中资源处理架构可以通过如图1所示的过程完成用户的专项账户和专项账户的专项信用资源的审批过程，在此不再赘述。下面对专项信用资源的使用过程进行详细说明。
服务平台的服务器10将目标订单根据资源申请对目标订单进行拆分，得到第一子订单和第二子订单。在对目标订单进行支付时，服务平台 的服务器10向收款方的服务器50发送第一子订单和第二子订单，收款方的服务器40向资源处理设备30发送第一子订单和第二子订单。在资源处理设备30接收到第一子订单和第二子订单时，可以通过用户的第一帐户支付第一子订单，以及通过专项账户中的专项信用资源支付第二子订单。在服务平台的服务器10检测到完成支付目标订单的情况下，将与资源值对应的专项资源转移到专项帐户，以便完成还款。
由此，通过申请专项帐户以及专项帐户中的专项信用资源，支付与专项资源属性信息相关的目标订单。这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
根据上述应用场景，下面结合图3-图5对本公开实施例提供的资源处理方法进行详细说明。
图3是根据本公开第一方面的资源处理方法的实施例的应用于服务平台的资源处理方法的实施例流程示意图。
如图3所示，该资源处理方法可以应用于如图1或者图2所示的服务平台的服务器，基于此，该方法具体可以包括步骤310至步骤340。
首先，步骤310，接收应用平台发送的资源申请请求，应用平台为接收用户输入的应用程序对应的平台，资源申请请求包括用户的用户信息。
其次，步骤320，在用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息，帐户申请请求用于根据用户信息申请与用户对应的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源。
接着，步骤330，接收信用服务平台针对帐户申请请求发送的第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
然后，步骤340，向应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
由此，通过申请专项帐户，并通过专项帐户中的专项信用资源，支付与专项资源属性信息相关的目标订单。这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
下面对上述步骤进行详细说明，具体如下所示。
首先，在一种可能的实施例中，可以通过如下步骤确定用户信息是否满足预设审核条件，在步骤320之前，该资源处理方法还包括：
向政务服务平台发送审核请求，审核请求包括用户的用户信息，审核请求用于请求与用户信息对应的资源申请的审核结果；
接收政务服务平台发送的审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
另外，确定用户信息是否满足预设审核条件也可以由服务平台执行，在一些实施例中，在用户信息包括个人身份信息和/或生物特征信息的情况下，在步骤320之前，该资源处理方法还包括：
将个人身份信息与预存的个人身份信息进行匹配，和/或将生物特征信息与预存的生物特征信息进行匹配，得到匹配结果；
在匹配结果表示匹配成功的情况下，根据专项资源属性信息，获取与专项资源属性信息对应的资源申请平台；
在预设平台白名单包括资源申请平台的情况下，确定用户信息满足预设审核条件。
反之，在匹配结果标识匹配不成功的情况下，向应用平台发送重新申请通知，该重新申请通知用于通知用户填写的用户信息不准确，以使用户重新填写用户信息。
另外，在预设平台白名单未包括资源申请平台的情况下，确定用户信息不满足预设审核条件，且可以确定用户不满足资源申请的条件，也可以 向应用平台发送重新申请通知，或者向应用平台发送不能进行资源申请的通知信息。
在一些实施例中，为了保证服务平台可以有权限申请专项账户和专项信用资源，服务平台的服务器可以向用户申请授权，具体步骤可以如下所示，即步骤220具体可以包括：
在用户信息满足预设审核条件的情况下，向应用平台发送帐户申请权限请求，帐户申请权限请求用于请求帐户申请的权限；
在接收到应用平台发送的第二反馈信息时，向信用服务平台发送帐户申请请求，第二反馈信息用于表征授予服务平台进行帐户申请的权限。
这里，在成功申请专项账户之后，在本公开实施例中，还要申请该专项账户中的专项信用资源，具体过程如下所示。
在可能的实施例中，在步骤240之前，该方法还可以包括：
向应用平台发送资源申请权限请求，资源申请权限请求用于请求专项信用资源申请的权限；
接收应用平台发送的第三反馈信息；
在第三反馈信息表征授予应用平台通过用户的信用信息请求专项信用资源申请的权限时，向信用服务平台发送信用资源申请请求，信用资源申请请求用于申请专项帐户中的专项信用资源。
需要说明的是，在申请专项信用资源之前，也可以向用户申请授权。
另外，由于专项信用资源为信用服务平台根据用户信用发放的资源，由此，在专项信用资源使用完毕后，需要对信用服务平台进行还款操作，这样，可以在步骤240之后，在检测到专项帐户中的专项信用资源支付与专项资源属性信息相关的目标订单时，向政府服务平台发送第一专项资源转移请求，第一专项资源转移请求用于提示政府服务平台将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
另外，在可能的实施例中，目标订单包括第一子订单和第二子订单，第一子订单由用户的第一帐户支付，第一帐户为用户的一类账户。这样，将专项资源转移到专项帐户，包括：
根据第二子订单的资源值，向政府服务平台发送第二专项资源转移请求，第二专项资源转移请求用于提示政府服务平台将与第二子订单的资源值对应的专项资源转移到专项帐户，以便信用服务平台基于与第二子订单的资源值对应的专项资源，在预设权限内扣除专项帐户中与第二子订单相关的资源。
需要说明的是，本公开实施例提供的专项账户可以为用户的二类账户或者三类账户。
基于相同的发明构思，本公开还提供了一种应用于信用服务平台的资源处理方法。具体结合图4进行详细说明。
图4是根据本公开第二方面的资源处理方法的实施例的应用于信用服务平台的资源处理方法的实施例流程示意图。
如图4所示，该资源处理方法可以应用于如图1或者图2所示的信用服务平台的服务器，基于此，该方法具体可以包括步骤410-步骤430。
首先，步骤410，接收服务平台发送的帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息。
接着，步骤420，根据用户信息和专项资源属性信息，确定用户的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源。
然后，步骤430，向服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
下面对上述步骤进行详细说明，具体如下所示：
首先，在可能的实施例中，在涉及步骤430之前，该方法还可以包括：
接收服务平台发送的信用资源申请请求；
基于资源申请请求，从第三方可信平台获取用户的征信信息；
在征信信息满足预设条件的情况下，确定与专项资源属性信息对应的资源值；
在专项帐户中添加与资源值对应的专项信用资源。
另外，在涉及步骤430之后，该方法还可以包括：
在检测到专项帐户中的专项信用资源用于支付与专项资源属性信息相 关的目标订单时，基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
基于相同的发明构思，本公开还提供了一种应用于应用平台的资源处理方法。具体结合图5进行详细说明。
图5是根据本公开第三方面的资源处理方法的实施例的应用于应用平台的资源处理方法的实施例流程示意图。
如图5所示，该资源处理方法可以应用于如图1或者图2所示的应用平台的服务器，基于此，该方法具体可以包括步骤510-步骤530。
首先，步骤510，接收用户对资源申请的第一输入。
接着，步骤520，响应于第一输入，向服务平台发送资源申请请求，资源申请请求包括用户的用户信息，资源申请请求用于申请支付目标订单的专项帐户，目标订单与服务平台的专项资源属性信息相关。
然后，步骤530，接收服务平台发送的专项帐户的帐户信息，专项帐户包括专项信用资源，专项信用资源用于支付目标订单。
下面对上述步骤进行详细说明，具体如下所示：
首先，在一种可能的实施例中，在步骤530之前，该方法还可以包括步骤5301至步骤5303。
步骤5301，接收服务平台发送的帐户申请权限请求，帐户申请权限请求用于请求帐户申请的权限。
步骤5302，根据帐户申请权限请求，确定授予服务平台进行帐户申请的权限。
步骤5303，向服务平台发送第二反馈信息，第二反馈信息用于表征授予服务平台进行帐户申请的权限。
进一步地，在步骤5301之前，该方法还可以包括：
接收服务平台发送的资源申请权限请求，资源申请权限请求用于请求专项信用资源申请的权限；
根据资源申请权限请求，确定授予应用平台通过用户的信用信息请求专项信用资源申请的权限；
向应用平台发送第三反馈信息，第三反馈信息用于表征授予应用平台 通过用户的信用信息请求专项信用资源申请的权限。
图6是根据本公开第四方面的资源处理方法的实施例的应用于政务服务平台的资源处理方法的实施例流程示意图。
如图6所示，该资源处理方法可以应用于如图1或者图2所示的政务服务平台的服务器，基于此，该方法具体可以包括步骤610至步骤630。
步骤610，接收服务平台发送的审核请求，审核请求包括用户的用户信息。
步骤620，通过预设审核条件对用户的用户信息进行审核，得到与用户信息对应的资源申请审核通过的结果信息。
进一步地，可以通过如下步骤确定用户信息是否满足预设审核条件，由此，该步骤620具体可以包括：
在用户信息包括个人身份信息和/或生物特征信息的情况下，将个人身份信息与预存的个人身份信息进行匹配，和/或将生物特征信息与预存的生物特征信息进行匹配，得到匹配结果。
在匹配结果表示匹配成功的情况下，根据专项资源属性信息，获取与专项资源属性信息对应的资源申请平台，在预设平台白名单包括资源申请平台的情况下，确定用户信息满足预设审核条件。
反之，在匹配结果标识匹配不成功的情况下，向应用平台发送重新申请通知，该重新申请通知用于通知用户填写的用户信息不准确，以使用户重新填写用户信息。
另外，在预设平台白名单未包括资源申请平台的情况下，确定用户信息不满足预设审核条件，且可以确定用户不满足资源申请的条件，也可以向应用平台发送重新申请通知，或者向应用平台发送不能进行资源申请的通知信息。
步骤630，向服务平台发送审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
在一些可能的实施例中，在步骤630之后，该资源处理方法还可以包括：
接收服务平台发送的第一专项资源转移请求；
基于第一专项资源转移请求，将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
另外，在一些可能的实施例中，在步骤630之后，该资源处理方法还可以包括：
在目标订单包括第一子订单和第二子订单，第一子订单由用户的第一帐户支付的情况下，接收服务平台发送的第二专项资源转移请求，第二专项资源转移请求包括第二子订单的资源值；
基于第二子订单的资源值，将与第二子订单的资源值对应的专项资源转移到专项帐户，以便信用服务平台基于与第二子订单的资源值对应的专项资源，在预设权限内扣除专项帐户中与第二子订单相关的资源。
本公开实施例的资源处理方法，通过申请专项帐户以及专项帐户中的专项信用资源，支付与专项资源属性信息相关的目标订单。这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
为了更好的说明上述资源处理方法，本公开实施例结合图1所示的架构对资源处理方法进行详细说明。
如图7所示，该资源处理方法可以包括步骤701-步骤716，具体如下所示。
步骤701，资源处理设备接收用户在应用平台中选择培训补贴发放选项的选择输入。
步骤702，响应于该选择输入，资源处理设备显示申请信息登记界面。并根据该申请信息登记界面，获取用户信息。
步骤703，资源处理设备向服务平台的服务器发送资源申请请求，该资源申请请求包括用户的用户信息。
步骤704，服务平台的服务器向政务服务平台的服务器中的政务服务平台发送审核请求，审核请求包括用户的用户信息，审核请求用于请求与用户信息对应的资源申请的审核结果。
步骤705，政务服务平台通过预设审核条件对用户的用户信息进行审核，得到与用户信息对应的资源申请审核通过的结果信息，并向服务平台发送审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
步骤706，服务平台的服务器根据接收到的审核反馈信息，确定申请权限请求，向应用平台发送帐户申请权限请求，帐户申请权限请求用于请求帐户申请的权限。
步骤707，资源处理设备接收帐户申请权限请求，并根据帐户申请权限请求根据帐户申请权限请求，确定授予服务平台进行帐户申请的权限。然后，资源处理设备向服务平台发送第二反馈信息，第二反馈信息用于表征授予服务平台进行帐户申请的权限。
步骤708，在服务平台接收到第二反馈信息之后，向信用服务平台发送帐户申请请求，该帐户申请请求包括用户信息和专项资源属性信息。
步骤709，信用服务平台接收帐户申请请求，并根据用户信息和专项资源属性信息，确定用户的专项帐户如二类账户或者三类账户。信用服务平台向服务平台发送开户成功信息。
步骤710，服务平台接收开户成功信息，并确定资源申请权限请求。接着，向应用平台发送开户成功信息以及资源申请权限请求，资源申请权限请求用于向应用平台请求授予服务平台进行资源申请的权限。
步骤711，应用平台根据资源申请权限请求，确定授予服务平台进行资源申请的权限。然后，资源处理设备根据授予服务平台进行资源申请的权限，向服务平台发送第三反馈信息，第三反馈信息用于表征授予应用平台通过用户的信用信息请求专项信用资源申请的权限。
步骤712，服务平台接收第三反馈信息，并向信用服务平台发送信用资源申请请求，信用资源申请请求用于申请专项帐户中的专项信用资源。这里，该专项信用资源为信用服务平台根据用户信用发放的资源，由此， 在专项信用资源使用完毕后，需要对信用服务平台进行还款操作。
步骤713，信用服务平台接收信用资源申请请求，并基于资源申请请求，从第三方可信平台获取用户的征信信息；在征信信息满足预设条件的情况下，确定与专项资源属性信息对应的资源值；在专项帐户中添加与资源值对应的专项信用资源。然后，信用服务平台向服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
步骤714，服务平台接收第一反馈信息，并向应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
步骤715，服务平台在检测到专项帐户中的专项信用资源支付与专项资源属性信息相关的目标订单之后，或者，在检测到用户完成培训过程之后，服务平台向政府服务平台发送第一专项资源转移请求，专项资源转移请求用于提示政府服务平台将专项资源转移到专项帐户。
步骤716，政府服务平台根据目标订单，将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
综上，本公开实施例提供的资源处理方法，一方面，针对参训人员和收款方如培训机构来说，参训人员无需线下到培训机构自行垫资缴费和/或核销培训券，仅需在线实时申请专项账户以及专项信用资源用后，即可进行在线使用专项信用资源用缴费，并在线完成与培训机构的确认，极大的提高了整个培训流程的效率，避免了用户因无法用自有资金垫付而无法完成缴费培训，提升了用户的支付体验，降低了培训机构的人力成本和财务成本。
另一方面，对于信用服务平台来说，可以该专项帐户中的专项信用资源专款专用，提高资源转移效率的同时，有利于对专项信用资源持续有效的追踪和优化的同时，提高了信用服务平台的用户粘性。
再一方面，对于服务平台如技能补贴发放平台来说，可以利用线上平台便捷的完成对的技能补贴发放，降低了技能补贴发放的人力成本和财务成本，提升技能补贴发放的效率。
基于相同的发明构思，本公开还提供了一种应用于服务平台的资源处理装置。具体结合图8进行详细说明。
图8是根据本公开第五方面的资源处理装置的实施例的应用于服务平台的资源处理装置的结构示意图。
如图8所示，在本公开一些实施例中，图8所示的资源处理装置可以设置在如图1或者图2所示的服务平台的服务器中，该资源处理装置80具体可以包括：
接收模块801，用于接收应用平台发送的资源申请请求，应用平台为接收用户输入的应用程序对应的平台，资源申请请求包括用户的用户信息；
发送模块802，用于在用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息，帐户申请请求用于根据用户信息申请与用户对应的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
接收模块801还用于，接收信用服务平台针对帐户申请请求发送的第一反馈信息，第一反馈信息包括专项帐户的帐户信息；
发送模块802还用于，向应用平台发送专项帐户的帐户信息，专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单。
这样，将专项信用帐户和专项信用资源代替了用户自己的资源，在提高资源转移效率的同时，避免了用户因无法用自有资金垫付而无法完成缴费培训。通过线上资源转移，可以减少用户线下到培训机构缴费并核销培训券的过程，改善用户的支付体验。另外，该专项帐户中的专项信用资源专款专用，有利于对专项信用资源持续有效的追踪和优化。
下面对该资源处理装置80进行详细说明，具体如下所示。
在可能的实施例中，本公开实施例中的资源处理装置80还可以包括匹配模块。基于此，在用户信息包括个人身份信息和/或生物特征信息的情况下，匹配模块，用于将个人身份信息与预存的个人身份信息进行匹配，和/或将生物特征信息与预存的生物特征信息进行匹配，得到匹配结果；
在匹配结果表示匹配成功的情况下，根据专项资源属性信息，获取与 专项资源属性信息对应的资源申请平台，在预设平台白名单包括资源申请平台的情况下，确定用户信息满足预设审核条件。
另外，本公开实施例的发送模块802还用于，向政务服务平台发送审核请求，审核请求包括用户的用户信息，审核请求用于请求与用户信息对应的资源申请的审核结果。本公开实施例的接收模块801还用于，接收政务服务平台发送的审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
在可能的实施例中，本公开实施例的发送模块802还用于，在用户信息满足预设审核条件的情况下，向应用平台发送帐户申请权限请求，帐户申请权限请求用于请求帐户申请的权限。以及，发送模块802还用于，在接收到服务平台发送的第二反馈信息时，向信用服务平台发送帐户申请请求，第二反馈信息用于表征授予服务平台进行帐户申请的权限。
在可能的实施例中，本公开实施例的发送模块802还用于，向应用平台发送资源申请权限请求，资源申请权限请求用于请求专项信用资源申请的权限。
基于此，本公开实施例的接收模块801还用于，接收应用平台发送的第三反馈信息。本公开实施例的发送模块802还用于，在第三反馈信息表征授予应用平台通过用户的信用信息请求专项信用资源申请的权限时，向信用服务平台发送信用资源申请请求，信用资源申请请求用于申请专项帐户中的专项信用资源。
另外，在可能的实施例中，本公开实施例中的发送模块802还用于，在检测到专项帐户中的专项信用资源支付与专项资源属性信息相关的目标订单时，向政府服务平台发送第一专项资源转移请求，专项资源转移请求用于提示政府服务平台将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
进一步地，发送模块802还用于，在目标订单包括第一子订单和第二子订单，第一子订单由用户的第一帐户支付的情况下，根据第二子订单的资源值，向政府服务平台发送第二专项资源转移请求，第二专项资源转移 请求用于提示政府服务平台将与第二子订单的资源值对应的专项资源转移到专项帐户，以便信用服务平台基于与第二子订单的资源值对应的专项资源，在预设权限内扣除专项帐户中与第二子订单相关的资源，专项帐户为用户的二类账户或者三类账户。
基于相同的发明构思，本公开还提供了一种应用于信用服务平台的资源处理装置。具体结合图9进行详细说明。
图9是根据本公开第六方面的资源处理装置的实施例的应用于信用服务平台的资源处理装置的结构示意图。
如图9所示，在本公开一些实施例中，图9所示资源处理装置可以设置在如图1或者图2所示的信用服务平台的服务器中，该资源处理装置90具体可以包括：
接收模块901，用于接收服务平台发送的帐户申请请求，帐户申请请求包括用户信息和专项资源属性信息；
处理模块902，用于根据用户信息和专项资源属性信息，确定用户的专项帐户，专项帐户用于存储与专项资源属性信息对应的资源；
发送模块903，用于向服务平台发送第一反馈信息，第一反馈信息包括专项帐户的帐户信息。
下面对该资源处理装置90进行详细说明，具体如下所示。
在可能的实施例中，本公开实施例中的资源处理装置90还可以包括获取模块、确定模块和添加模块。基于此，接收模块901还用于，接收服务平台发送的信用资源申请请求。获取模块，用于基于资源申请请求，从第三方可信平台获取用户的征信信息。确定模块，用于在征信信息满足预设条件的情况下，确定与专项资源属性信息对应的资源值。添加模块，用于在专项帐户中添加与资源值对应的专项信用资源。
在可能的实施例中，本公开实施例中的资源处理装置90还可以包括添加模块，用于在检测到专项帐户中的专项信用资源用于支付与专项资源属性信息相关的目标订单时，基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
基于相同的发明构思，本公开还提供了一种应用于应用平台的资源处 理装置。具体结合图10进行详细说明。
图10是根据本公开第七方面的资源处理装置的实施例的应用于应用平台的资源处理装置的结构示意图。
如图10所示，在本公开一些实施例中，图10所示资源处理装置100可以设置在如图1或者图2所示的资源处理设备中，该资源处理装置100具体可以包括：
接收模块1001，用于接收用户对资源申请的第一输入；
发送模块1002，用于响应于第一输入，向服务平台发送资源申请请求，资源申请请求包括用户的用户信息，资源申请请求用于申请支付目标订单的专项帐户，目标订单与服务平台的专项资源属性信息相关；
接收模块1001还用于，接收服务平台发送的专项帐户的帐户信息，专项帐户包括专项信用资源，专项信用资源用于支付目标订单。
下面对该资源处理装置100进行详细说明，具体如下所示。
在可能的实施例中，本公开实施例中的资源处理装置100还可以包括确定模块。
基于此，接收模块1001还用于，接收服务平台发送的帐户申请权限请求，帐户申请权限请求用于请求帐户申请的权限。确定模块，用于根据帐户申请权限请求，确定授予服务平台进行帐户申请的权限。发送模块1002还用于，向服务平台发送第二反馈信息，第二反馈信息用于表征授予服务平台进行帐户申请的权限。
在可能的实施例中，接收模块1001还用于，接收服务平台发送的资源申请权限请求，资源申请权限请求用于请求专项信用资源申请的权限。确定模块还用于，根据资源申请权限请求，确定授予应用平台通过用户的信用信息请求专项信用资源申请的权限。发送模块1002还用于，向应用平台发送第三反馈信息，第三反馈信息用于表征授予应用平台通过用户的信用信息请求专项信用资源申请的权限。
基于相同的发明构思，本公开还提供了一种应用于政务服务平台的资源处理装置。具体结合图11进行详细说明。
图11是根据本公开第八方面的资源处理装置的实施例的应用于政务 服务平台的资源处理装置的结构示意图。
如图11所示，在本公开一些实施例中，图11所示资源处理装置110可以设置在如图1或者图2所示的政务服务平台的服务器中，该资源处理装置110具体可以包括：
接收模块1101，用于接收服务平台发送的审核请求，审核请求包括用户的用户信息；
审核模块1102，用于通过预设审核条件对用户的用户信息进行审核，得到与用户信息对应的资源申请审核通过的结果信息；
发送模块1103，用于向服务平台发送审核反馈信息，审核反馈信息包括与用户信息对应的资源申请审核通过的结果信息，结果信息用于表征用户信息满足预设审核条件。
下面对该资源处理装置110进行详细说明，具体如下所示。
在一些可能的实施例中，本公开实施例中的资源处理装置110还可以包括转移模块。基于此，接收模块1101还可以用于，接收服务平台发送的第一专项资源转移请求，转移模块，用于基于第一专项资源转移请求，将专项资源转移到专项帐户，以便信用服务平台基于专项资源，在预设权限内扣除专项帐户中与订单相关的资源。
在另一种可能的实施例中，在目标订单包括第一子订单和第二子订单，第一子订单由用户的第一帐户支付的情况下，接收模块1101还可以用于，接收服务平台发送的第二专项资源转移请求，第二专项资源转移请求包括第二子订单的资源值，转移模块还用于，基于第二子订单的资源值，将与第二子订单的资源值对应的专项资源转移到专项帐户，以便信用服务平台基于与第二子订单的资源值对应的专项资源，在预设权限内扣除专项帐户中与第二子订单相关的资源。
在一些可能的实施例中，本公开实施例中的审核模块1102具体可以用于，在用户信息包括个人身份信息和/或生物特征信息的情况下，将个人身份信息与预存的个人身份信息进行匹配，和/或将生物特征信息与预存的生物特征信息进行匹配，得到匹配结果。在匹配结果表示匹配成功的情况下，根据专项资源属性信息，获取与专项资源属性信息对应的资源申请平 台。在预设平台白名单包括资源申请平台的情况下，确定用户信息满足预设审核条件。
本公开实施例提供的资源处理装置，一方面，针对参训人员和收款方如培训机构来说，参训人员无需线下到培训机构自行垫资缴费和/或核销培训券，仅需在线实时申请专项账户以及专项信用资源用后，即可进行在线使用专项信用资源用缴费，并在线完成与培训机构的确认，极大的提高了整个培训流程的效率，避免了用户因无法用自有资金垫付而无法完成缴费培训，提升了用户的支付体验，降低了培训机构的人力成本和财务成本。
另一方面，对于信用服务平台来说，可以该专项帐户中的专项信用资源专款专用，提高资源转移效率的同时，有利于对专项信用资源持续有效的追踪和优化的同时，提高了信用服务平台的用户粘性。
再一方面，对于服务平台如技能补贴发放平台来说，可以利用线上平台便捷的完成对的技能补贴发放，降低了技能补贴发放的人力成本和财务成本，提升技能补贴发放的效率。
基于相同的发明构思，本公开还提供了一种计算设备。具体结合图12进行详细说明。
图12是根据本公开提供的资源处理的实施例的硬件结构示意图。
如图12所示，该计算设备120可以为如图1或者图2所示的服务平台的服务器，也可以如图1或者图2所示的信用服务平台的服务器，还可以是如图1或者图2所示的资源处理设备，当然，还可以是如图1或者图2所示的政务服务平台的服务器。该计算设备可以包括处理器1201以及存储有计算机程序指令的存储器1202。
具体地，上述处理器1201可以包括中央处理器(CPU)，或者特定集成电路(Application Specific Integrated Circuit，ASIC)，或者可以被配置成实施本公开实施例的一个或多个集成电路。
存储器1202可以包括用于数据或指令的大容量存储器。举例来说而非限制，存储器1202可包括硬盘驱动器(Hard Disk Drive，HDD)、软盘驱动器、闪存、光盘、磁光盘、磁带或通用串行总线(Universal Serial Bus，USB)驱动器或者两个或更多个以上这些的组合。在合适的情况 下，存储器1202可包括可移除或不可移除(或固定)的介质。在合适的情况下，存储器1202可在综合网关容灾设备的内部或外部。在特定实施例中，存储器1202是非易失性固态存储器。在特定实施例中，存储器1202包括只读存储器(ROM)。在合适的情况下，该ROM可以是掩模编程的ROM、可编程ROM(PROM)、可擦除PROM(EPROM)、电可擦除PROM(EEPROM)、电可改写ROM(EAROM)或闪存或者两个或更多个以上这些的组合。
处理器1201通过读取并执行存储器1202中存储的计算机程序指令，以实现上述实施例中的任意一种资源处理方法。
在一些示例中，数据处理设备还可包括通信接口1203和总线1204。其中，如图12所示，处理器1201、存储器1202、通信接口1203通过总线1210连接并完成相互间的通信。
通信接口1203，主要用于实现本公开实施例中各模块、装置、单元和/或设备之间的通信。
总线1204包括硬件、软件或两者，将流量控制设备的部件彼此耦接在一起。举例来说而非限制，总线可包括加速图形端口(AGP)或其他图形总线、增强工业标准架构(EISA)总线、前端总线(FSB)、超传输(HT)互连、工业标准架构(ISA)总线、无限带宽互连、低引脚数(LPC)总线、存储器总线、微信道架构(MCA)总线、***组件互连(PCI)总线、PCI-Express(PCI-X)总线、串行高级技术附件(SATA)总线、视频电子标准协会局部(VLB)总线或其他合适的总线或者两个或更多个以上这些的组合。在合适的情况下，总线1204可包括一个或多个总线。尽管本公开实施例描述和示出了特定的总线，但本公开考虑任何合适的总线或互连。
该资源处理设备可以执行本公开实施例中的资源处理方法，从而实现结合图1至图11描述的资源处理方法和装置。
另外，结合上述实施例中的资源处理方法，本公开实施例可提供一种计算机可读存储介质来实现。该计算机可读存储介质上存储有计算机程序指令；该计算机程序指令被处理器执行时实现上述实施例中的任意一种资 源处理方法。所示的计算机可读存储介质的示例包括非暂态计算机可读存储介质，如只读存储器(Read-Only Memory，简称ROM)、随机存取存储器(Random Access Memory，简称RAM)、磁碟或者光盘等。
需要明确的是，本公开并不局限于上文所描述并在图中示出的特定配置和处理。为了简明起见，这里省略了对已知方法的详细描述。在上述实施例中，描述和示出了若干具体的步骤作为示例。但是，本公开的方法过程并不限于所描述和示出的具体步骤，本领域的技术人员可以在领会本公开的精神后，作出各种改变、修改和添加，或者改变步骤之间的顺序。
以上的结构框图中所示的功能块可以实现为硬件、软件、固件或者它们的组合。当以硬件方式实现时，其可以例如是电子电路、专用集成电路(ASIC)、适当的固件、插件、功能卡等等。当以软件方式实现时，本公开的元素是被用于执行所需任务的程序或者代码段。程序或者代码段可以存储在机器可读介质中，或者通过载波中携带的数据信号在传输介质或者通信链路上传送。“机器可读介质”可以包括能够存储或传输信息的任何介质。机器可读介质的例子包括电子电路、半导体存储器设备、ROM、闪存、可擦除ROM(EROM)、软盘、CD-ROM、光盘、硬盘、光纤介质、射频(RF)链路，等等。代码段可以经由诸如因特网、内联网等的计算机网络被下载。
还需要说明的是，本公开中提及的示例性实施例，基于一系列的步骤或者装置描述一些方法或***。但是，本公开不局限于上述步骤的顺序，也就是说，可以按照实施例中提及的顺序执行步骤，也可以不同于实施例中的顺序，或者若干步骤同时执行。
以上，仅为本公开的具体实施方式，所属领域的技术人员可以清楚地了解到，为了描述的方便和简洁，上述描述的***、模块和单元的具体工作过程，可以参考前述方法实施例中的对应过程，在此不再赘述。应理解，本公开的保护范围并不局限于此，任何熟悉本技术领域的技术人员在本公开揭露的技术范围内，可轻易想到各种等效的修改或替换，这些修改或替换都应涵盖在本公开的保护范围之内。

Claims (28)

  1. 一种资源处理方法，应用于服务平台，包括：
    接收应用平台发送的资源申请请求，所述应用平台为接收用户输入的应用程序对应的平台，所述资源申请请求包括所述用户的用户信息；
    在所述用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，所述帐户申请请求包括所述用户信息和专项资源属性信息，所述帐户申请请求用于根据所述用户信息申请与所述用户对应的专项帐户，所述专项帐户用于存储与所述专项资源属性信息对应的资源；
    接收所述信用服务平台针对所述帐户申请请求发送的第一反馈信息，所述第一反馈信息包括所述专项帐户的帐户信息；
    向所述应用平台发送所述专项帐户的帐户信息，所述专项帐户中的专项信用资源用于支付与所述专项资源属性信息相关的目标订单。
  2. 根据权利要求1所述的方法，其中，所述用户信息包括个人身份信息和/或生物特征信息；所述向信用服务平台发送帐户申请请求之前，所述方法还包括：
    将所述个人身份信息与预存的个人身份信息进行匹配，和/或将所述生物特征信息与预存的生物特征信息进行匹配，得到匹配结果；
    在所述匹配结果表示匹配成功的情况下，根据所述专项资源属性信息，获取与所述专项资源属性信息对应的资源申请平台；
    在预设平台白名单包括所述资源申请平台的情况下，确定所述用户信息满足预设审核条件。
  3. 根据权利要求1或2所述的方法，其中，所述向信用服务平台发送帐户申请请求之前，所述方法还包括：
    向政务服务平台发送审核请求，所述审核请求包括所述用户的用户信息，所述审核请求用于请求与所述用户信息对应的资源申请的审核结果；
    接收所述政务服务平台发送的审核反馈信息，所述审核反馈信息包括与所述用户信息对应的资源申请审核通过的结果信息，所述结果信息用于表征用户信息满足预设审核条件。
  4. 根据权利要求1或3所述的方法，其中，所述在所述用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，包括：
    在所述用户信息满足预设审核条件的情况下，向所述应用平台发送帐户申请权限请求，所述帐户申请权限请求用于请求帐户申请的权限；
    在接收到所述服务平台发送的第二反馈信息时，向信用服务平台发送帐户申请请求，所述第二反馈信息用于表征授予所述服务平台进行帐户申请的权限。
  5. 根据权利要求1所述的方法，其中，所述向所述应用平台发送所述专项帐户的帐户信息之前，所述方法还包括：
    向所述应用平台发送资源申请权限请求，所述资源申请权限请求用于请求专项信用资源申请的权限；
    接收所述应用平台发送的第三反馈信息；
    在所述第三反馈信息表征授予所述应用平台通过所述用户的信用信息请求专项信用资源申请的权限时，向所述信用服务平台发送信用资源申请请求，所述信用资源申请请求用于申请所述专项帐户中的专项信用资源。
  6. 根据权利要求1所述的方法，其中，所述向所述应用平台发送所述专项帐户的帐户信息之后，所述方法还包括：
    在检测到所述专项帐户中的专项信用资源支付与所述专项资源属性信息相关的目标订单时，向政府服务平台发送第一专项资源转移请求，所述专项资源转移请求用于提示所述政府服务平台将专项资源转移到所述专项帐户，以便所述信用服务平台基于所述专项资源，在预设权限内扣除所述专项帐户中与所述订单相关的资源。
  7. 根据权利要求1或6所述的方法，其中，所述目标订单包括第一子订单和第二子订单，所述第一子订单由所述用户的第一帐户支付；
    所述将专项资源转移到所述专项帐户，包括：
    根据所述第二子订单的资源值，向政府服务平台发送第二专项资源转移请求，所述第二专项资源转移请求用于提示所述政府服务平台将与所述第二子订单的资源值对应的专项资源转移到所述专项帐户，以便所述信用服务平台基于与所述第二子订单的资源值对应的专项资源，在预设权限内 扣除所述专项帐户中与所述第二子订单相关的资源。
  8. 根据权利要求1所述的方法，其中，所述专项帐户为所述用户的二类账户或者三类账户。
  9. 一种资源处理方法，应用于信用服务平台，包括：
    接收服务平台发送的帐户申请请求，所述帐户申请请求包括所述用户信息和专项资源属性信息；
    根据所述用户信息和所述专项资源属性信息，确定所述用户的专项帐户，所述专项帐户用于存储与所述专项资源属性信息对应的资源；
    向所述服务平台发送第一反馈信息，所述第一反馈信息包括所述专项帐户的帐户信息。
  10. 根据权利要求9所述的方法，其中，所述向所述服务平台发送第一反馈信息之前，所述方法还包括：
    接收所述服务平台发送的信用资源申请请求；
    基于所述资源申请请求，从第三方可信平台获取所述用户的征信信息；
    在所述征信信息满足预设条件的情况下，确定与所述专项资源属性信息对应的资源值；
    在所述专项帐户中添加与所述资源值对应的专项信用资源。
  11. 根据权利要求9所述的方法，其中，所述向所述服务平台发送第一反馈信息之后，所述方法还包括：
    在检测到所述专项帐户中的专项信用资源用于支付与所述专项资源属性信息相关的目标订单时，基于所述专项资源，在预设权限内扣除所述专项帐户中与所述订单相关的资源。
  12. 一种资源处理方法，应用于应用平台，包括：
    接收用户对资源申请的第一输入；
    响应于第一输入，向服务平台发送资源申请请求，所述资源申请请求包括所述用户的用户信息，所述资源申请请求用于申请支付目标订单的专项帐户，所述目标订单与所述服务平台的专项资源属性信息相关；
    接收所述服务平台发送的所述专项帐户的帐户信息，所述专项帐户包 括专项信用资源，所述专项信用资源用于支付所述目标订单。
  13. 根据权利要求12所述的方法，其中，所述接收所述服务平台发送的所述专项帐户的帐户信息之前，所述方法还包括：
    接收所述服务平台发送的帐户申请权限请求，所述帐户申请权限请求用于请求帐户申请的权限；
    根据所述帐户申请权限请求，确定授予所述服务平台进行帐户申请的权限；
    向所述服务平台发送第二反馈信息，所述第二反馈信息用于表征授予所述服务平台进行帐户申请的权限。
  14. 根据权利要求12所述的方法，其中，所述接收所述服务平台发送的所述专项帐户的帐户信息之前，所述方法还包括：
    接收所述服务平台发送的资源申请权限请求，所述资源申请权限请求用于请求专项信用资源申请的权限；
    根据所述资源申请权限请求，确定授予所述应用平台通过所述用户的信用信息请求专项信用资源申请的权限；
    向所述应用平台发送第三反馈信息，所述第三反馈信息用于表征授予所述应用平台通过所述用户的信用信息请求专项信用资源申请的权限。
  15. 一种资源处理方法，应用于政务服务平台，包括：
    接收服务平台发送的审核请求，所述审核请求包括用户的用户信息；
    通过预设审核条件对用户的用户信息进行审核，得到与所述用户信息对应的资源申请审核通过的结果信息；
    向所述服务平台发送审核反馈信息，所述审核反馈信息包括与所述用户信息对应的资源申请审核通过的结果信息，所述结果信息用于表征用户信息满足所述预设审核条件。
  16. 根据权利要求15所述的方法，所述向所述服务平台发送审核反馈信息之后，所述方法还包括：
    接收所述服务平台发送的第一专项资源转移请求；
    基于所述第一专项资源转移请求，将专项资源转移到所述专项帐户，以便所述信用服务平台基于所述专项资源，在预设权限内扣除所述专项帐 户中与所述订单相关的资源。
  17. 根据权利要求15或16所述的方法，所述目标订单包括第一子订单和第二子订单，所述第一子订单由所述用户的第一帐户支付；所述向所述服务平台发送审核反馈信息之后，所述方法还包括：
    接收所述服务平台发送的第二专项资源转移请求，所述第二专项资源转移请求包括所述第二子订单的资源值；
    基于所述第二子订单的资源值，将与所述第二子订单的资源值对应的专项资源转移到所述专项帐户，以便所述信用服务平台基于与所述第二子订单的资源值对应的专项资源，在预设权限内扣除所述专项帐户中与所述第二子订单相关的资源。
  18. 根据权利要求15所述的方法，所述用户信息包括个人身份信息和/或生物特征信息；所述通过预设审核条件对用户的用户信息进行审核，得到与所述用户信息对应的资源申请审核通过的结果信息，包括：
    将所述个人身份信息与预存的个人身份信息进行匹配，和/或将所述生物特征信息与预存的生物特征信息进行匹配，得到匹配结果；
    在所述匹配结果表示匹配成功的情况下，根据所述专项资源属性信息，获取与所述专项资源属性信息对应的资源申请平台；
    在预设平台白名单包括所述资源申请平台的情况下，确定所述用户信息满足预设审核条件。
  19. 一种资源处理装置，应用于服务平台，包括：
    接收模块，用于接收应用平台发送的资源申请请求，所述应用平台为接收用户输入的应用程序对应的平台，所述资源申请请求包括所述用户的用户信息；
    发送模块，用于在检测到所述用户信息满足预设审核条件的情况下，向信用服务平台发送帐户申请请求，所述帐户申请请求包括所述用户信息和专项资源属性信息，所述帐户申请请求用于根据所述用户信息申请与所述用户对应的专项帐户，所述专项帐户用于存储与所述专项资源属性信息对应的资源；
    所述接收模块还用于，接收所述信用服务平台针对所述帐户申请请求 发送的第一反馈信息，所述第一反馈信息包括所述专项帐户的帐户信息；
    所述发送模块还用于，向所述应用平台发送所述专项帐户的帐户信息，所述专项帐户中的专项信用资源用于支付与所述专项资源属性信息相关的目标订单。
  20. 一种资源处理装置，应用于信用服务平台，包括：
    接收模块，用于接收服务平台发送的帐户申请请求，所述帐户申请请求包括所述用户信息和专项资源属性信息；
    处理模块，用于根据所述用户信息和所述专项资源属性信息，确定所述用户的专项帐户，所述专项帐户用于存储与所述专项资源属性信息对应的资源；
    发送模块，用于向所述服务平台发送第一反馈信息，所述第一反馈信息包括所述专项帐户的帐户信息。
  21. 一种资源处理装置，应用于应用平台，包括：
    接收模块，用于接收用户对资源申请的第一输入；
    发送模块，用于响应于第一输入，向服务平台发送资源申请请求，所述资源申请请求包括所述用户的用户信息，所述资源申请请求用于申请支付目标订单的专项帐户，所述目标订单与所述服务平台的专项资源属性信息相关；
    所述接收模块还用于，接收所述服务平台发送的所述专项帐户的帐户信息，所述专项帐户包括专项信用资源，所述专项信用资源用于支付所述目标订单。
  22. 一种资源处理装置，应用于政务服务平台，包括：
    接收模块，用于接收服务平台发送的审核请求，所述审核请求包括用户的用户信息；
    审核模块，用于通过预设审核条件对用户的用户信息进行审核，得到与所述用户信息对应的资源申请审核通过的结果信息；
    发送模块，用于向所述服务平台发送审核反馈信息，所述审核反馈信息包括与所述用户信息对应的资源申请审核通过的结果信息，所述结果信息用于表征用户信息满足所述预设审核条件。
  23. 一种基于服务平台的服务器，包括：
    处理器以及存储有计算机程序指令的存储器，处理器执行计算机程序指令时实现如权利要求1-8中任意一项所述资源处理方法。
  24. 一种基于信用服务平台的服务器，包括：
    处理器以及存储有计算机程序指令的存储器，处理器执行计算机程序指令时实现如权利要求9-11中任意一项所述资源处理方法。
  25. 一种资源处理设备，包括：
    处理器以及存储有计算机程序指令的存储器，处理器执行计算机程序指令时实现如权利要求12-14中任意一项所述资源处理方法。
  26. 一种基于政务服务平台的服务器，包括：
    处理器以及存储有计算机程序指令的存储器，处理器执行计算机程序指令时实现如权利要求15-18中任意一项所述资源处理方法。
  27. 一种资源处理***，所述资源处理***包括如权利要求23所述的基于服务平台的服务器、如权利要求24所述的基于信用服务平台的服务器、如权利要求25所述的资源处理设备和如权利要求26所述的基于政务服务平台的服务器。
  28. 一种计算机可读存储介质，其中，所述计算机可读存储介质上存储有计算机程序指令，所述计算机程序指令被处理器执行时实现如权利要求1-8中任意一项所述资源处理方法，或者如权利要求9-11中任意一项所述资源处理方法，或者如权利要求12-14中任意一项所述资源处理方法，或者如权利要求15-18中任意一项所述资源处理方法。
PCT/CN2021/117194 2021-01-28 2021-09-08 资源处理方法、装置、设备及介质 WO2022160724A1 (zh)

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