CN117635325A - Virtual financial business processing method, device, computer equipment and storage medium - Google Patents
Virtual financial business processing method, device, computer equipment and storage medium Download PDFInfo
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Abstract
The application relates to a virtual financial service processing method, a virtual financial service processing device and computer equipment. The method comprises the following steps: acquiring a user identifier, a virtual service server identifier and a virtual transaction service identifier sent by each virtual service server; respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifier and corresponding virtual transaction resource information from each virtual service server; converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information corresponding to each virtual service server respectively; generating target service handling information corresponding to each virtual service server respectively based on the real transaction resource information, the virtual transaction service identifier and the user identifier, and sending the target service handling information to a service network point for service handling; and acquiring service transaction completion information returned by the service network point and sending the service transaction completion information to a corresponding virtual service server for service transaction. The method can improve the processing efficiency of the virtual financial business.
Description
Technical Field
The present invention relates to the field of computer technology, and in particular, to a virtual financial service processing method, apparatus, computer device, storage medium, and computer program product.
Background
With the development of computer technology, VR (Virtual Reality) technology has emerged, where VR technology generates a realistic Virtual world with multiple sensory experiences such as three-dimensional vision, touch, smell, and the like, such as a metauniverse platform, by means of a computer or the like. The meta universe can expand the consumption scene, and various reality services can be realized in the virtual world, such as the purchase service of virtual goods in the virtual world, the loan service of virtual goods and the like, including the migration of traditional consumption, such as virtual idol concert, virtual anchor with goods, virtual world wedding and the like; meta-universe properties appear at the same time, for example, a user can buy a space to build a land for himself. Therefore, financial services for virtual goods in the meta-universe are indispensable.
However, the metacosmic platforms and the real world financial systems cannot be communicated, and the metacosmic platforms are independently stored, and the virtual business processing flows of the metacosmic platforms are inconsistent, so that the independent processing of the metacosmic platforms is required, and the processing efficiency of a server running the metacosmic platform on the virtual business is low.
Disclosure of Invention
In view of the foregoing, it is desirable to provide a virtual financial transaction processing method, apparatus, computer device, computer readable storage medium, and computer program product that can improve the processing efficiency of virtual financial transactions.
In a first aspect, the present application provides a virtual financial service processing method, including:
obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identification from at least two virtual service servers, and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
the method comprises the steps of obtaining transaction resource conversion information respectively corresponding to at least two virtual service servers, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information respectively corresponding to the at least two virtual service servers;
generating target business handling information corresponding to at least two virtual business servers respectively based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service network point for business handling;
And acquiring service transaction completion information returned by the service network point, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
In a second aspect, the present application further provides a virtual financial service processing apparatus, including:
the request acquisition module is used for acquiring virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
the information acquisition module is used for respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifiers from at least two virtual service servers and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
the information conversion module is used for acquiring transaction resource conversion information corresponding to at least two virtual service servers respectively, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information corresponding to the at least two virtual service servers respectively;
The business handling module is used for generating target business handling information respectively corresponding to at least two virtual business servers based on the real transaction resource information, the virtual transaction business identification and the user identification, and sending the target business handling information to a business service network point for business handling;
the notification module is used for acquiring the business transaction completion information returned by the business service network point, and sending the business transaction completion information to the corresponding virtual business servers in the at least two virtual business servers so that the at least two virtual business servers respectively execute the business transaction corresponding to the virtual business identification and provide the virtual business service corresponding to the virtual business identification.
In a third aspect, the present application also provides a computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:
obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identification from at least two virtual service servers, and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
The method comprises the steps of obtaining transaction resource conversion information respectively corresponding to at least two virtual service servers, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information respectively corresponding to the at least two virtual service servers;
generating target business handling information corresponding to at least two virtual business servers respectively based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service network point for business handling;
and acquiring service transaction completion information returned by the service network point, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
In a fourth aspect, the present application also provides a computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:
obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
Respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identification from at least two virtual service servers, and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
the method comprises the steps of obtaining transaction resource conversion information respectively corresponding to at least two virtual service servers, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information respectively corresponding to the at least two virtual service servers;
generating target business handling information corresponding to at least two virtual business servers respectively based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service network point for business handling;
and acquiring service transaction completion information returned by the service network point, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
In a fifth aspect, the present application also provides a computer program product comprising a computer program which, when executed by a processor, performs the steps of:
Obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identification from at least two virtual service servers, and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
the method comprises the steps of obtaining transaction resource conversion information respectively corresponding to at least two virtual service servers, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information respectively corresponding to the at least two virtual service servers;
generating target business handling information corresponding to at least two virtual business servers respectively based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service network point for business handling;
and acquiring service transaction completion information returned by the service network point, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
The virtual financial service processing method, the device, the computer equipment, the storage medium and the computer program product acquire corresponding target virtual transaction service information according to financial service handling requests sent by at least two virtual service servers, and acquire virtual transaction resource information corresponding to the target virtual transaction service information; and then, transaction resource conversion information corresponding to each virtual service server is acquired, and the virtual transaction resource information is converted into real transaction resource information by using the transaction resource conversion information, so that the problem of resource non-intercommunication between the virtual resources and the real resources is solved. And then generating target business handling information corresponding to each virtual business server according to the real business resource information, the virtual business identification and the user identification, sending the target business handling information to a business service network point for business handling, and then sending business handling completion information to the corresponding virtual business server for virtual business handling, thereby realizing unified processing of virtual financial business handling requests corresponding to each virtual business server, avoiding resource consumption of business handling by each virtual business server, saving server resources, and improving virtual business handling efficiency of each virtual business server.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the related art, the drawings that are required to be used in the embodiments or the related technical descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to the drawings without inventive effort for a person having ordinary skill in the art.
FIG. 1 is a diagram of an application environment for a virtual financial transaction processing method in one embodiment;
FIG. 2 is a flow chart of a virtual financial transaction processing method according to one embodiment;
FIG. 3 is a flow chart of virtual financial transaction processing steps in one embodiment;
FIG. 4 is a block diagram of a virtual financial transaction processing apparatus in one embodiment;
FIG. 5 is an internal block diagram of a computer device in one embodiment;
fig. 6 is an internal structural view of a computer device in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.
The virtual financial service processing method provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the central server 104 communicates with each virtual service server 106 via a network. The data storage system may store data that the central server 104 needs to process. The data storage system may be integrated on the central server 104 or may be located on the cloud or other network server. The central server 104 obtains virtual financial service handling requests sent by at least two virtual service servers 106, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers; the virtual financial transaction request may be forwarded to the central server 104 after the virtual service server 106 receives from the terminal 102; the central server 104 respectively acquires target virtual transaction service information corresponding to the virtual transaction service identification from at least two virtual service servers 106, and acquires virtual transaction resource information corresponding to the target virtual transaction service information; the central server 104 obtains transaction resource conversion information corresponding to at least two virtual service servers 106 respectively, and uses the transaction resource conversion information to convert the virtual transaction resource information into resource information to obtain real transaction resource information corresponding to at least two virtual service servers 106 respectively; the central server 104 generates at least two pieces of target business handling information corresponding to the virtual business servers 106 respectively based on the real business resource information, the virtual business identification and the user identification, and sends the target business handling information to the business service network 108 for business handling; the central server 104 obtains the service transaction completion information returned by the service website 108, and sends the service transaction completion information to the corresponding virtual service servers 106 in the at least two virtual service servers 106, so that the at least two virtual service servers 106 respectively execute the service transaction corresponding to the virtual transaction service identifier and provide the virtual service corresponding to the virtual transaction service identifier. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, which may be head-mounted devices, etc. The central server 104 and the two virtual service servers 106 may be implemented as separate servers or as a server cluster of multiple servers.
In one embodiment, as shown in fig. 2, a virtual financial service processing method is provided, and the method is applied to the central server in fig. 1 for illustration, and includes the following steps 202 to 206.
Wherein:
step 202, obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers.
Step 204, obtaining the target virtual transaction service information corresponding to the virtual transaction service identifier from at least two virtual service servers, and obtaining the virtual transaction resource information corresponding to the target virtual transaction service information.
The virtual service server refers to a server that can provide a virtual scene and provide a virtual service in the virtual scene. The virtual financial service transaction request is a request for providing a virtual service to the virtual service server application. The virtual business refers to financial business transacted on virtual articles in the virtual scene, such as transaction business, loan business and the like on virtual articles. The virtual transaction service identifier refers to a financial service identifier that the user needs to transact. The target virtual transaction service information is the transacting demand information of the virtual service corresponding to the virtual transaction service identifier. The virtual transaction resource information is information of virtual resources required for transacting the virtual service corresponding to the virtual transaction service identifier. Virtual resources refer to transaction resources for virtual items in a virtual scenario, such as virtual coins, etc.
Specifically, the central server performs network communication with each virtual service server, and manages virtual services in each virtual service server. The user terminal uses the user identification to log in the virtual scene constructed by each virtual service server, the user selects the financial service to be transacted in the virtual scene through the user terminal, and the virtual service server determines the virtual transaction service identification according to the financial service selected to be transacted by the user terminal. And then the virtual business server generates a virtual financial business handling request corresponding to the user terminal according to the user identifier, the virtual transaction business identifier and the virtual business server identifier, and sends the virtual financial business handling request to the center server.
The center server receives the virtual financial service handling requests sent by the virtual service servers, respectively acquires corresponding target virtual transaction service information from the virtual service servers according to the virtual transaction service identifiers, and then acquires corresponding virtual transaction resource information according to the target virtual transaction service information. Such as a virtual coin transaction amount for a certain virtual item, or a loan interest rate set in a virtual scenario.
And 206, acquiring transaction resource conversion information corresponding to the at least two virtual service servers respectively, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information corresponding to the at least two virtual service servers respectively.
The transaction resource conversion information refers to preset conversion information for converting virtual resource information into real resource information. The real transaction resource information refers to information of transaction resources at real time.
Specifically, transaction resource conversion information corresponding to each virtual service server is pre-stored in the central server, the central server obtains the transaction resource conversion information corresponding to each virtual service server according to the virtual service server identification, and then virtual transaction resource information of financial services to be executed in each virtual service server is converted into real transaction resource information by using the transaction resource conversion information. Such as the real money transaction amount for a certain virtual item, or the loan interest rate in a real scene.
And step 208, generating target business handling information corresponding to at least two virtual business servers respectively based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service website for business handling.
The target service transacting information refers to information for requesting service network points to transact service. The business service network point refers to a service point in the real world for business transaction using real transaction resources.
Specifically, the central server generates target service handling information corresponding to each virtual service server according to the real transaction resource information, the virtual transaction service identifier and the user identifier, and then sends a target service handling compass to the service network point for service handling, so that virtual services handled by the user at each virtual service server are characterized to be handled at the service network point by using the real transaction resource. The service sites are, for example, banking sites or banking transaction systems.
Step 210, obtaining service transaction completion information returned by the service website, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers, so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
The center server acquires the business transaction completion information returned by the business service network point, and returns the business transaction completion information to the corresponding virtual business server in the virtual business servers. After receiving the service transaction completion information, the virtual service server executes the service transaction of the virtual service corresponding to the virtual transaction service identifier, and provides the virtual service of the virtual service corresponding to the virtual transaction service identifier for the user terminal corresponding to the user identifier.
In the virtual financial service processing method, corresponding target virtual transaction service information is obtained according to financial service handling requests sent by at least two virtual service servers, and virtual transaction resource information corresponding to the target virtual transaction service information is obtained; and then, transaction resource conversion information corresponding to each virtual service server is acquired, and the virtual transaction resource information is converted into real transaction resource information by using the transaction resource conversion information, so that the problem of resource non-intercommunication between the virtual resources and the real resources is solved. And then generating target business handling information corresponding to each virtual business server according to the real business resource information, the virtual business identification and the user identification, sending the target business handling information to a business service network point for business handling, and then sending business handling completion information to the corresponding virtual business server for virtual business handling, thereby realizing unified processing of virtual financial business handling requests corresponding to each virtual business server, avoiding resource consumption of business handling by each virtual business server, saving server resources, and improving virtual business handling efficiency of each virtual business server.
In one embodiment, as shown in fig. 3, step 208, generating target service handling information corresponding to at least two virtual service servers respectively based on the real transaction resource information, the virtual transaction service identifier and the user identifier includes:
step 302, respectively acquiring historical service information corresponding to the user identifier from at least two virtual service servers, and extracting historical service characteristics based on the historical service information;
step 304, obtaining user information corresponding to the user identifier, giving the user information to extract user characteristics, and performing characteristic splicing on the historical service characteristics and the user characteristics to obtain risk characteristics corresponding to the user identifier;
step 306, inputting the risk characteristics into a preset risk assessment model to obtain risk levels respectively corresponding to at least two virtual service servers based on user identifiers;
step 308, generating target business handling information corresponding to at least two virtual business servers respectively by using the real business resource information, the virtual business identifier and the user identifier based on the risk level.
The historical business features refer to business features which are transacted by the user in a historical time period. The user characteristics refer to user information characteristics. The risk level refers to the level that the user belongs to the abnormal user. The history service information is information of virtual services handled by the user in a history period.
Specifically, the center server obtains the history service information corresponding to the user identifier from each virtual service server, converts the history service information into a history service information vector, and extracts the history service characteristics by using the history service information vector. And then the central server acquires user information corresponding to the user identifier from the service network point, wherein the user information comprises social information and identity information of the user, and the social information comprises information such as user credit investigation, bank flow, liability information and the like. The central server converts the user information into a user information vector, the user information vector is used for extracting user characteristics, then the central server splices the historical service characteristics and the user characteristics, and the central server splices the user characteristics with the service characteristics of the historical service information corresponding to each virtual service server respectively to obtain risk characteristics corresponding to each virtual service server.
The central server inputs risk characteristics corresponding to each virtual service server into a preset risk assessment model respectively to obtain risk grades corresponding to each virtual service server respectively based on user identifiers, and the risk grades of users transacting virtual services in each virtual service server are represented. And when the central server detects that the risk levels respectively corresponding to the virtual service servers based on the user identifiers reach the preset security level, generating target service handling information respectively corresponding to the virtual service servers by using the real transaction resource information, the virtual transaction service identifiers and the user identifiers.
In addition, the central server detects that the risk level of the target virtual service server in the risk levels respectively corresponding to the user identifiers reaches an abnormal level, and the target virtual service server is stopped from handling the virtual service of the virtual transaction service identifier, and abnormal user information is generated and sent to the user terminal corresponding to the user identifier through the target virtual service server.
In this embodiment, by extracting the service features of the historical service information and the user features of the user information, the service features and the user features are spliced and then input into the preset risk prediction model, so that the accuracy of obtaining the risk level of the user handling the virtual service at each virtual service server is improved, and the data security of the virtual service is improved.
In one embodiment, at step 210, the target business transaction information further includes a periodic business transaction time; after the at least two virtual service servers execute the service transactions corresponding to the virtual transaction service identifiers and provide the virtual service services corresponding to the virtual transaction service identifiers, the method further comprises the steps of:
acquiring current time, generating a periodic transaction request based on the user identification and the target business transaction information when the current time reaches the periodic business transaction time, and sending the periodic transaction request to a business service network point so that the business service network point acquires a transaction record corresponding to the user identification and executes periodic transaction according to the target business transaction information;
And acquiring periodic transaction completion information returned by the service network point, and sending the periodic transaction completion information to the virtual service server corresponding to the user identifier so that the virtual service server maintains the virtual service of the virtual transaction service identifier corresponding to the user identifier.
The periodic transaction time refers to preset virtual business transaction time.
Specifically, the central server acquires the current time, and acquires the periodic service transaction time of the virtual service from the target service information, so as to characterize the virtual service corresponding to the target service information to be subjected to staged transaction. The center server detects that the current time reaches the periodic service transaction time of the virtual service corresponding to the target service information, generates a periodic transaction request according to the user identification and the target service transaction information, and sends the periodic transaction request to the service network point to instruct the service network point to execute the periodic transaction of the corresponding virtual service according to the target service transaction information, for example, according to the periodic transaction amount recorded in the target service transaction information, the real transaction resource corresponding to the periodic transaction amount is obtained from the resource account corresponding to the user identification, and the real transaction resource is transferred to the resource receiving account of the service network point. After the periodic transaction is completed, the service network node generates periodic transaction completion information and sends the periodic transaction completion information to the center server.
The center server sends the periodic transaction completion information to the virtual service server corresponding to the user identifier, and the virtual service server maintains the virtual service of the virtual transaction service identifier corresponding to the user identifier, for example, the user renews the use right of the virtual article in the virtual scene operated by the virtual service server.
In this embodiment, the periodic transaction of the virtual service is performed by setting the periodic transaction time, and the periodic transaction management of each virtual service is unified, so that the periodic transaction efficiency of the virtual service is improved.
In one embodiment, before obtaining the virtual financial service transaction request sent by the at least two virtual service servers in step 202, the method further includes:
acquiring transaction configuration information respectively corresponding to the at least two virtual service servers, and generating intelligent contracts respectively corresponding to the at least two virtual service servers based on the transaction configuration information;
and constructing a resource conversion template by using the intelligent contract, and obtaining transaction resource conversion information respectively corresponding to the at least two virtual service servers based on the resource conversion template.
The transaction configuration information refers to preset information required for carrying out virtual business transaction. The smart contract refers to a computer protocol that performs resource information conversion. The resource conversion template is a template for converting resource information.
Specifically, the central server acquires transaction configuration information corresponding to each virtual service server in advance, and constructs intelligent contracts corresponding to each virtual service server according to the transaction configuration information. And then the central server acquires service information of executable virtual services from each virtual service server, and generates resource conversion templates corresponding to various virtual services by using the service information and the intelligent contracts, such as a conversion template of insurance amounts of insurance services in a virtual scene, a interest rate conversion template of loan services, a virtual coin conversion template of virtual articles and the like. And the central server obtains transaction resource conversion information corresponding to each virtual service server according to the resource conversion templates corresponding to the various virtual services.
In this embodiment, by generating the intelligent contract according to the configuration information and using the intelligent contract to generate the resource conversion template, the resource information is converted by using the resource conversion template subsequently, so that the conversion efficiency of the resource information is improved, and the processing efficiency of the virtual financial service is further improved.
In one embodiment, converting the virtual transaction resource information into real transaction resource information corresponding to at least two virtual service servers by using transaction resource conversion information includes:
And acquiring resource conversion templates corresponding to the at least two virtual service servers respectively, and converting the virtual transaction resource information into the real transaction resource information corresponding to the at least two virtual service servers by using the resource conversion templates.
Specifically, the central server obtains a resource conversion template corresponding to each virtual service server, and uses the resource conversion template to convert the resource information of the virtual transaction resource to obtain real transaction resource information corresponding to each virtual service server, for example, the resource conversion template is used to convert the virtual currency amount of the virtual article into RMB finance or convert the loan interest rate of the same virtual article in each virtual scene into the uniform loan interest rate of the real scene.
In this embodiment, the conversion of the resource information is performed by using the resource conversion template, so that the conversion efficiency of the resource information is improved, and the processing efficiency of the virtual financial service is further improved.
In one embodiment, step 204, obtaining target virtual transaction service information corresponding to the virtual transaction service identifier from at least two virtual service servers, and obtaining virtual transaction resource information corresponding to the target virtual transaction service information, includes:
Respectively acquiring candidate virtual transaction service information sets corresponding to the virtual transaction service identifiers from at least two virtual service servers, packaging the candidate virtual transaction service information sets into target interaction information, and sending the target interaction information to the at least two virtual service servers so that the at least two virtual service servers can send the target interaction information to user terminals corresponding to the user identifiers;
and respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifiers from at least two virtual service servers, wherein the target virtual transaction service information is obtained after the user terminal is determined based on the candidate virtual transaction service information set and sent to the virtual service servers.
Specifically, the central server obtains candidate virtual transaction service information sets corresponding to the virtual transaction service identifiers from each virtual service server, where the candidate virtual transaction service information sets refer to information sets of multiple transaction modes corresponding to the virtual service, such as full money transaction, staged transaction, loan transaction, and the like. The center server encapsulates the candidate virtual transaction service information set into target interaction information, wherein the target interaction information is information for carrying out interaction confirmation with the user. Such as encapsulating the loan operation into a 5g message.
The center server sends the target interaction information to each virtual service server, then each virtual service server sends the target interaction information to a user terminal corresponding to the user identifier, the user selects target virtual transaction service information from the candidate virtual transaction service information through the user terminal, the target virtual transaction service information is sent to the virtual service server, and then the virtual service server sends the target virtual transaction service information to the center server.
In the embodiment, the candidate virtual transaction service information set is packaged into 5g information and sent to the user terminal to interact with the user, so that the data transmission efficiency is improved.
In one embodiment, the virtual financial business method may be applied to a metauniverse loan application scenario, implemented by a metauniverse loan application system. The metauniverse loan application system comprises a metauniverse access module, a 5g message transaction module, a loan application conversion module and a metauniverse data export module. The metauniverse platform is implemented for virtual service server operation.
Meta space access module: different metauniverse is supported to access the metauniverse loan application system based on intelligent contracts, and the conversion rate of metauniverse currency and a real world financial system, namely resource conversion information, is pre-configured during access, so that tokens and the like are supported.
5g message transaction module: support to send traditional app loan operations to customers in packages with 5g messages, and customers in acknowledges with messages.
And a loan application conversion module: after receiving a user loan application, inquiring an accessed meta universe list and configuring a conversion template of an intelligent contract to carry out loan transaction conversion.
And a loan application sending module: and transmitting the converted transaction to the corresponding meta universe, and receiving a transaction execution response.
The meta-universe data export module: and supporting the batch import of the accessed meta-universe loan information and the configured intelligent contract information. The meta-space loan information is, for example, personal information, loan product information (term, interest rate, repayment mode, cycle period, etc.), mortgage information, proof material, etc.
The meta-cosmic loan application system performs the steps of: the different meta-universe application is accessed to the meta-universe loan application system, and intelligent contracts are pre-configured during access, and are used for bearing roles of custodians, custody agents and CCPs, supporting information such as loan interest rates of different currencies; the user terminal sends a loan service application of the metaspace property to the metaspace platform through 5g information; after receiving a loan business application of a metauniverse property, the metauniverse loan application system inquires a metauniverse list of a metauniverse supporting the property transaction applied by a user and configures an intelligent contract to carry out loan interest rate conversion; the meta-space loan application system sends the converted loan interest rate and the loan business information of the meta-space property to a bank, the bank distributes loan amount to the loan business of the meta-space property after risk assessment, and the loan business of the meta-space property sends the loan amount to a meta-space platform applied by a user for real property transaction, and the local loan data is updated after the meta-space transaction is completed.
It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.
Based on the same inventive concept, the embodiment of the application also provides a virtual financial service processing device for implementing the above-mentioned virtual financial service processing method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation of the embodiments of the virtual financial service processing device or devices provided below may be referred to the limitation of the virtual financial service processing method hereinabove, and will not be repeated here.
In one exemplary embodiment, as shown in fig. 4, there is provided a virtual financial transaction processing apparatus 400 comprising: a request acquisition module 402, an information acquisition module 404, an information conversion module 406, a business transaction module 408, and a notification module 410, wherein:
a request acquisition module 402, configured to acquire virtual financial service handling requests sent by at least two virtual service servers, where the virtual financial service handling requests carry a user identifier, a virtual service server identifier, and a virtual transaction service identifier;
the information obtaining module 404 is configured to obtain target virtual transaction service information corresponding to the virtual transaction service identifier from at least two virtual service servers, and obtain virtual transaction resource information corresponding to the target virtual transaction service information;
the information conversion module 406 is configured to obtain transaction resource conversion information corresponding to at least two virtual service servers, and convert the virtual transaction resource information into real transaction resource information corresponding to at least two virtual service servers by using the transaction resource conversion information;
the service handling module 408 is configured to generate target service handling information corresponding to at least two virtual service servers respectively based on the real transaction resource information, the virtual transaction service identifier and the user identifier, and send the target service handling information to a service website for service handling;
The notification module 410 is configured to obtain service transaction completion information returned by the service network, and send the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers, so that the at least two virtual service servers execute service transactions corresponding to the virtual transaction service identifiers respectively, and provide virtual service corresponding to the virtual transaction service identifiers.
In one embodiment, the business transaction module 408 includes:
the risk identification unit is used for respectively acquiring historical service information corresponding to the user identifier from at least two virtual service servers and extracting historical service characteristics based on the historical service information; acquiring user information corresponding to the user identifier, giving the user information to extract user characteristics, and performing characteristic splicing on the historical service characteristics and the user characteristics to obtain risk characteristics corresponding to the user identifier; inputting the risk characteristics into a preset risk assessment model to obtain risk levels respectively corresponding to at least two virtual service servers based on user identifiers; and generating target business handling information corresponding to at least two virtual business servers respectively by using the real transaction resource information, the virtual transaction business identifier and the user identifier based on the risk level.
In one embodiment, the virtual financial transaction processing apparatus 400 further comprises:
the periodic transaction unit is used for acquiring the current time, generating a periodic transaction request based on the user identification and the target business transaction information when the current time reaches the periodic business transaction time, and sending the periodic transaction request to the business service network point so that the business service network point acquires the transaction record corresponding to the user identification and executes periodic transaction according to the target business transaction information; and acquiring periodic transaction completion information returned by the service network point, and sending the periodic transaction completion information to the virtual service server corresponding to the user identifier so that the virtual service server maintains the virtual service of the virtual transaction service identifier corresponding to the user identifier.
In one embodiment, the virtual financial transaction processing apparatus 400 further comprises:
the configuration unit is used for acquiring transaction configuration information corresponding to at least two virtual service servers respectively and generating intelligent contracts corresponding to the at least two virtual service servers respectively based on the transaction configuration information; and constructing a resource conversion template by using the intelligent contract, and obtaining transaction resource conversion information respectively corresponding to at least two virtual service servers based on the resource conversion template.
In one embodiment, the information conversion module 406 includes:
and the conversion template unit is used for acquiring resource conversion templates corresponding to the at least two virtual service servers respectively, and converting the resource information of the virtual transaction resources by using the resource conversion templates to obtain real transaction resource information corresponding to the at least two virtual service servers respectively.
In one embodiment, the information acquisition module 404 includes:
the information encapsulation unit is used for respectively acquiring candidate virtual transaction service information sets corresponding to the virtual transaction service identifiers from at least two virtual service servers, encapsulating the candidate virtual transaction service information sets into target interaction information, and sending the target interaction information to the at least two virtual service servers so that the at least two virtual service servers can send the target interaction information to the user terminals corresponding to the user identifiers; and respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifiers from at least two virtual service servers, wherein the target virtual transaction service information is obtained after the user terminal is determined based on the candidate virtual transaction service information set and sent to the virtual service servers.
The respective modules in the above-described virtual financial service processing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.
In one exemplary embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer equipment is used for storing data such as virtual transaction business information and the like. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a virtual financial transaction processing method.
In an exemplary embodiment, a computer device, which may be a terminal, is provided, and an internal structure diagram thereof may be as shown in fig. 6. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program when executed by a processor implements a virtual financial transaction processing method. The display unit of the computer device is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on the shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.
It will be appreciated by those skilled in the art that the structures shown in fig. 5-6 are block diagrams of only some of the structures associated with the present application and are not intended to limit the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In an embodiment, there is also provided a computer device comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the method embodiments described above when the computer program is executed.
In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, carries out the steps of the method embodiments described above.
In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the steps of the method embodiments described above.
It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use, and processing of the related data are required to meet the related regulations.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.
The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.
The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.
Claims (10)
1. A method of virtual financial transaction processing, the method comprising:
obtaining virtual financial service handling requests sent by at least two virtual service servers, wherein the virtual financial service handling requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifier from the at least two virtual service servers, and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
Acquiring transaction resource conversion information respectively corresponding to the at least two virtual service servers, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information respectively corresponding to the at least two virtual service servers;
generating target business handling information respectively corresponding to the at least two virtual business servers based on the real business resource information, the virtual business identification and the user identification, and sending the target business handling information to a business service website for business handling;
and acquiring service transaction completion information returned by the service network point, and sending the service transaction completion information to corresponding virtual service servers in the at least two virtual service servers so that the at least two virtual service servers respectively execute service transactions corresponding to the virtual transaction service identifiers and provide virtual service corresponding to the virtual transaction service identifiers.
2. The method of claim 1, wherein generating the target business transaction information respectively corresponding to the at least two virtual business servers based on the real transaction resource information, the virtual transaction business identifier, and the user identifier comprises:
Respectively acquiring historical service information corresponding to the user identifier from the at least two virtual service servers, and extracting historical service characteristics based on the historical service information;
acquiring user information corresponding to the user identifier, giving the user information to extract user characteristics, and performing characteristic splicing on the historical service characteristics and the user characteristics to obtain risk characteristics corresponding to the user identifier;
inputting the risk characteristics into a preset risk assessment model to obtain risk levels respectively corresponding to the at least two virtual service servers based on the user identification;
and generating target business handling information respectively corresponding to the at least two virtual business servers by using the real transaction resource information, the virtual transaction business identifier and the user identifier based on the risk level.
3. The method of claim 1, wherein the targeted business transaction information further comprises a periodic business transaction time; after the at least two virtual service servers are enabled to respectively execute the service transactions corresponding to the virtual transaction service identifiers and provide the virtual service corresponding to the virtual transaction service identifiers, the method further comprises:
Acquiring current time, generating a periodic transaction request based on the user identification and the target business transaction information when the current time reaches the periodic business transaction time, and sending the periodic transaction request to the business service network point so that the business service network point acquires a transaction record corresponding to the user identification and executes periodic transaction according to the target business transaction information;
and acquiring periodic transaction completion information returned by the service network point, and sending the periodic transaction completion information to a virtual service server corresponding to the user identifier so that the virtual service server maintains the virtual service of the virtual transaction service identifier corresponding to the user identifier.
4. The method of claim 1, further comprising, prior to said obtaining the virtual financial transaction request sent by the at least two virtual transaction servers:
acquiring transaction configuration information respectively corresponding to the at least two virtual service servers, and generating intelligent contracts respectively corresponding to the at least two virtual service servers based on the transaction configuration information;
and constructing a resource conversion template by using the intelligent contract, and obtaining transaction resource conversion information respectively corresponding to the at least two virtual service servers based on the resource conversion template.
5. The method according to claim 4, wherein the converting the virtual transaction resource information into the real transaction resource information corresponding to the at least two virtual service servers by using the transaction resource conversion information includes:
and acquiring resource conversion templates corresponding to the at least two virtual service servers respectively, and converting the virtual transaction resource information into real transaction resource information corresponding to the at least two virtual service servers by using the resource conversion templates.
6. The method according to claim 1, wherein the obtaining, from the at least two virtual service servers, the target virtual transaction service information corresponding to the virtual transaction service identifier, and obtaining the virtual transaction resource information corresponding to the target virtual transaction service information, respectively, includes:
respectively acquiring candidate virtual transaction service information sets corresponding to the virtual transaction service identifiers from the at least two virtual service servers, packaging the candidate virtual transaction service information sets into target interaction information, and sending the target interaction information to the at least two virtual service servers so that the at least two virtual service servers can send the target interaction information to user terminals corresponding to the user identifiers;
And respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifier from the at least two virtual service servers, wherein the target virtual transaction service information is obtained after the user terminal determines based on the candidate virtual transaction service information set and sends the candidate virtual transaction service information set to the virtual service server.
7. A virtual financial transaction processing apparatus, the apparatus comprising:
the system comprises a request acquisition module, a request processing module and a request processing module, wherein the request acquisition module is used for acquiring virtual financial service processing requests sent by at least two virtual service servers, and the virtual financial service processing requests carry user identifiers, virtual service server identifiers and virtual transaction service identifiers;
the information acquisition module is used for respectively acquiring target virtual transaction service information corresponding to the virtual transaction service identifier from the at least two virtual service servers and acquiring virtual transaction resource information corresponding to the target virtual transaction service information;
the information conversion module is used for acquiring transaction resource conversion information corresponding to the at least two virtual service servers respectively, and converting the virtual transaction resource information into resource information by using the transaction resource conversion information to obtain real transaction resource information corresponding to the at least two virtual service servers respectively;
The business handling module is used for generating target business handling information respectively corresponding to the at least two virtual business servers based on the real transaction resource information, the virtual transaction business identifier and the user identifier, and sending the target business handling information to a business service website for business handling;
and the notification module is used for acquiring the business transaction completion information returned by the business service network point, sending the business transaction completion information to the corresponding virtual business servers in the at least two virtual business servers, so that the at least two virtual business servers respectively execute the business transaction corresponding to the virtual transaction business identifier and provide the virtual business service corresponding to the virtual transaction business identifier.
8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.
9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.
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