CN108765144B - Electronic resource package processing method, terminal device and medium - Google Patents
Electronic resource package processing method, terminal device and medium Download PDFInfo
- Publication number
- CN108765144B CN108765144B CN201810315727.7A CN201810315727A CN108765144B CN 108765144 B CN108765144 B CN 108765144B CN 201810315727 A CN201810315727 A CN 201810315727A CN 108765144 B CN108765144 B CN 108765144B
- Authority
- CN
- China
- Prior art keywords
- resource
- financial product
- receiver
- electronic
- financial
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Images
Classifications
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The invention is suitable for the technical field of Internet, and provides a processing method of an electronic resource packet, terminal equipment and a medium, wherein the method comprises the following steps: acquiring the number of resources authorized by a resource sender; matching related financial products in a pre-butted online transaction platform, and purchasing the financial products equivalent to the resource quantity; acquiring product purchase information related to financial products, and writing the product purchase information into an electronic resource package; sending the electronic resource package to a resource receiver; if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver; and according to the user information, in the online transaction platform, the share authority of the financial product is changed, and the product purchase information is displayed on a terminal interface of the resource receiver. The invention changes the inclusion of the electronic resource package from money to financial products, and the user can obtain the financial products with a certain share of authority without logging in a transaction platform, thereby reducing the operation complexity.
Description
Technical Field
The invention belongs to the technical field of internet, and particularly relates to a processing method of an electronic resource package, a terminal device and a medium.
Background
With the increasing popularization of internet technology, the electronic red packet occupies a more important position in the aspects of daily consumption, entertainment and the like of users. Through third-party payment tools such as payment treasures, financial payment and WeChat payment, a user can get rid of the traditional mode of 'paper red packet + cash', and can distribute red packets to clients, relatives and friends or shop merchants at any time and any place, or indirectly execute account transfer operation. Therefore, the electronic red packet is popular with the broad masses.
In the actual use process of the electronic red envelope, according to the transfer demand of the user, the user can set the preset amount information as the inclusion of the electronic red envelope. When the other person clicks on the electronic red envelope, the electronic purse remittance amount equivalent to the inclusion can be obtained. However, because the electronic red packet in the prior art is only used for bearing the amount information of the money, the electronic red packet has a single inclusion, which cannot further improve the entertainment of the electronic red packet, and is difficult to meet the personalized requirements of the user. In addition, in the field of property investment, although a user can purchase a financial product required by the user by using an electronic wallet, the investor can purchase the financial product by using money which is previously imported into the electronic wallet only after logging in and registering an account number of a financial transaction platform and binding the electronic wallet of the investor, so that the conventional purchasing mode of the financial product has the problem of high operation complexity, and the transaction efficiency of the financial product is reduced.
Disclosure of Invention
In view of this, embodiments of the present invention provide an electronic resource package processing method, a terminal device, and a medium, so as to solve the problems of a purchasing manner of an existing financial product, such as high operation complexity and low transaction efficiency.
A first aspect of an embodiment of the present invention provides a method for processing an electronic resource package, including:
acquiring the amount of resources authorized by a resource sender;
matching the financial products associated with the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource quantity;
acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;
sending the electronic resource package to a resource receiver;
if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver;
and changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver.
A second aspect of the embodiments of the present invention provides a terminal device, including a memory and a processor, where the memory stores a computer program that is executable on the processor, and the processor implements the following steps when executing the computer program:
acquiring the amount of resources authorized by a resource sender;
matching the financial products related to the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource quantity;
acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;
sending the electronic resource package to a resource receiver;
if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver;
and changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver.
A third aspect of embodiments of the present invention provides a computer-readable storage medium storing a computer program which, when executed by a processor, implements the steps of:
acquiring the amount of resources authorized by a resource sender;
matching the financial products associated with the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource quantity;
acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;
sending the electronic resource package to a resource receiver;
if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver;
and changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver.
In the embodiment of the invention, the resource amount authorized by the resource sender is acquired, the financial products equivalent to the resource amount are automatically purchased, and the product purchase information related to the financial products is written into the electronic resource package, so that the resource receiver can acquire the financial products presented by the resource sender after receiving the electronic resource package distributed by other people, and the financial products presented by the resource sender are not simply received, and the money and currency information of the resource sender is not simply received. When a resource receiver wants to purchase a financial product, the method provided by the embodiment of the invention can meet the actual consumption requirement of a user and achieve the effect of intelligent financial management; for the user, the financial products with a certain share of authority can be obtained without logging in a trading platform, so that the operation complexity is reduced, and the trading efficiency of the financial products is improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings required to be used in the embodiments or the prior art description will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings may be obtained according to these drawings without inventive labor.
Fig. 1 is a flowchart of an implementation of a processing method for an electronic resource package according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating a specific implementation of the method S105 for processing an electronic resource package according to an embodiment of the present invention;
fig. 3 is a flowchart illustrating an implementation of the method S102 for processing an electronic resource package according to an embodiment of the present invention;
fig. 4 is a flowchart of another specific implementation of the method S102 for processing an electronic resource package according to an embodiment of the present invention;
FIG. 5 is a block diagram of a processing device for an electronic resource package according to an embodiment of the present invention;
fig. 6 is a schematic diagram of a terminal device according to an embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
In order to illustrate the technical means of the present invention, the following description is given by way of specific examples.
Fig. 1 shows an implementation flow of a processing method of an electronic resource package provided by an embodiment of the present invention, where the method flow includes steps S101 to S106. The specific realization principle of each step is as follows:
s101: and acquiring the amount of the resources authorized by the resource sender.
In the embodiment of the invention, the resource sender sends the electronic resource packet sending instruction to the terminal equipment thereof, so that the terminal equipment displays the resource quantity setting page. And after receiving the resource quantity input by the resource sender through the resource quantity setting page, authenticating the bank card and the authorization password bound by the resource sender. And when the authentication is successful, determining the currently received resource quantity as the resource quantity authorized by the resource sender. Wherein the resource quantity represents the red packet amount paid by the resource sender.
Preferably, if the detected resource quantity is greater than the preset threshold, the resource sender is prompted to reset the resource quantity.
S102: matching the financial products associated with the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource amount.
In the embodiment of the invention, the online trading platform is docked through a pre-provided docking interface. The online trading platform is an internet financial product trading platform and is used for providing trading services of precious metal financial products such as currency type funds, stock type funds, mixed type funds, gold and silver and other financial type financial products.
In the online transaction platform which is docked in advance, according to the multiple types of financial products provided by the online transaction platform, a purchase request for one or more types of financial products is automatically initiated, and the share value of the various types of purchased financial products is equivalent to the amount of resources authorized by the resource sender. Preferably, the automatically purchased financial products are specifically: the characteristic attributes of various financial products offered for sale by the online trading platform are detected, so that after one or more types of financial products which are greatly related to the user portrait data of the resource sender are automatically identified, purchase requests are sent to the determined financial products.
And when response information returned by the online trading platform is detected, transferring the resource quantity authorized by the resource sender to a platform account of the online trading platform so as to finish the purchasing operation of the financial product.
S103: and acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package.
And when the purchasing operation of the financial product is finished, product purchasing information returned by the online trading platform is acquired. The product purchase information includes, but is not limited to, a financial product name, a type, a share value, a purchase date, and the like.
In the embodiment of the invention, an electronic resource package is generated, and the product purchase information returned by the online transaction platform is written into the electronic resource package as a bearing object of the electronic resource package.
S104: and sending the electronic resource package to a resource receiver.
And detecting the resource receiver selected by the resource sender in a friend list displayed by the terminal equipment of the resource sender. And sending the electronic resource packet bearing the product purchase information to the resource receiver. The resource receiver may be a single-user object or a group object.
S105: and if the extraction operation of the electronic resource package by the resource receiver is detected, reading the user information of the resource receiver.
After the electronic resource package is sent to the resource receiver, the electronic resource package is displayed in the terminal equipment of the resource receiver in the form of a preset identification pattern. And if the resource receiver is detected to send a selection instruction to the preset identification pattern, determining that the extraction operation of the electronic resource packet is triggered. At this time, the terminal device of the resource receiver reads the preset user information corresponding to the current terminal login account, or pops up a prompt window to prompt the resource receiver to input the user information of the resource receiver. The user information comprises a user name, an identity identification code, financial account information and the like.
In the embodiment of the invention, the user information uploaded by the terminal equipment of the resource receiver is received.
As an embodiment of the present invention, fig. 2 shows another specific implementation flow of the processing method S105 for an electronic resource package according to an embodiment of the present invention, which is detailed as follows:
s1051: when the extraction operation of the electronic resource package by the resource receiver is detected, a first option control and a second option control are displayed; the first option control is used for triggering an electronic resource package presentation event, and the second option control is used for triggering a pick-up event of the electronic resource package bearing object.
In the embodiment of the invention, when the resource receiver sends the selection instruction to the preset identification pattern for representing the electronic resource package, the user information of the resource receiver is not directly acquired, but at least two option controls including a first option control and a second option control are generated on the terminal interface of the resource receiver. And the second option control is marked with prompt information related to the picking event of the electronic resource package bearing object. For example, the identifier "cash-out" is presented on the first option control and the identifier "gift pick-up" is presented on the second option control.
S1052: and when the touch operation on the first option control is detected, selling the financial product on the online trading platform, and depositing the obtained selling amount into a preset account of the resource receiver.
When a selection instruction based on a first option control sent by terminal equipment of a resource receiver is received, the financial products are subjected to sales discarding processing on a pre-butted online transaction platform according to the market sales amount value of the financial products authorized to be purchased by the resource sender at the current moment, so that the pre-purchased financial products in the share are converted into equivalent electronic money and then are stored into a preset account of the resource receiver on the online transaction platform.
Preferably, when the touch operation on the first option control is detected, if a condition setting instruction sent by the terminal device of the resource receiver is received, the selling conditions carried by the condition setting instruction are read. The selling conditions include, but are not limited to, a preset selling time, a selling amount value, and the like. If the selling condition comprises preset selling time, the financial product is not sold until the preset selling time is reached, and the selling amount is stored in a preset account; and if the selling conditions comprise the selling amount value, calculating the estimated total selling amount of the financial product according to the market selling bill value of the financial product at the current moment at preset time intervals. Only when the estimated total sales amount is larger than or equal to the sales amount value, the financial product is discarded and the sales amount is deposited into a preset account.
Preferably, after the sales amount is deposited into the preset account, the withdrawal completion prompt message is returned to the resource receiver.
S1053: and when the touch operation on the second option control is detected, reading the user information of the resource receiver.
When a selection instruction based on a second option control sent by the terminal equipment of the resource receiver is received, the resource receiver is determined to need to receive the value gift given by the resource sender, and at the moment, the user information of the resource receiver is read to execute the subsequent gift share transfer operation.
In the embodiment of the invention, when the extraction operation of the electronic resource package by the resource receiver is detected, the first option control for triggering the cash withdrawal event and the second option control for triggering the carrier getting event are displayed, so that the resource receiver can further determine the resource extract required by the resource receiver, the selection flexibility of the electronic resource package is improved, and the condition that the resource receiver needs to log in an online transaction platform to execute the selling operation of the financial product when the product purchase information of the financial product is received is avoided, therefore, the complexity of the cash extraction operation of the electronic resource package is reduced.
S106: and changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver.
In the embodiment of the invention, when the user information of the resource receiver is read, the share permission change application is sent to the online transaction platform, and the user information of the resource receiver is uploaded to the online transaction platform. In the online transaction platform, according to the received user information and the pre-acquired product purchase information of the resource sender, the share authority of the purchased financial product is changed from the resource sender to the resource receiver, and the product purchase information is updated together, so that the terminal equipment of the resource receiver displays the product purchase information after the updated product purchase information is sent to the terminal equipment of the resource receiver.
In the embodiment of the invention, the resource quantity authorized by the resource sender is obtained, the financial products equivalent to the resource quantity are automatically purchased, and the product purchase information related to the financial products is written into the electronic resource package, so that the resource receiver can obtain the financial products presented by the resource sender after receiving the electronic resource package distributed by other people, and the financial products are not simply received by the resource sender, therefore, the inclusion of the electronic resource package is changed from the money to the actual financial products, and the problem of single inclusion of the electronic resource package in the prior art is solved. When a resource receiver wants to purchase a financial product, the method provided by the embodiment of the invention can meet the actual consumption requirement of a user and achieve the effect of intelligent financial management; for the user, the financial products with a certain share of authority can be obtained without logging in a trading platform, so that the operation complexity is reduced, and the trading efficiency of the financial products is improved.
As an embodiment of the present invention, fig. 3 shows a specific implementation flow of the processing method S102 for an electronic resource package provided by the embodiment of the present invention, which is detailed as follows:
s1021: and acquiring user portrait data of the resource sender.
Upon receiving the amount of resources authorized by the resource sender, the resource sender is requested to upload its user representation data. The user profile data includes but is not limited to the annual income condition of the resource sender, investment domain information and the like, and meanwhile, the historical purchase record of the resource sender in the online transaction platform is called as one of the user profile data. The investment domain information is the financial product investment domain which is relatively concerned recently by the resource sender, such as the investment domains of stocks, funds, precious metals, national bonds and the like.
S1022: and analyzing the user portrait data, and determining a first financial product matched with the user portrait data from a plurality of financial products provided by the online trading platform according to an analysis result.
In the embodiment of the invention, the analysis processing of the user portrait data is executed to determine a preset annual income interval to which the annual income value of the resource sender belongs and determine the type of financial products with the most purchase frequency in the historical purchase record. After the user portrait data are analyzed through a big data analysis algorithm, a target investment product of a resource sender can be predicted, namely, the variety of a financial product authorized to be purchased by the resource sender in an online transaction platform is determined.
Specifically, the determined annual income preset interval, the type of the financial product with the most purchase times in the historical purchase record and the investment field information are imported into a preset Long Short-Term Memory (LSTM) model so as to adjust each parameter in the LSTM neural network model. The model for adjusting the learning parameters of the LSTM neural network model is as follows:
wherein, the above I n One input training parameter representing the LSTM neural network model, e.g. I 1 The type of the financial product with the largest purchase frequency in the historical purchase record of the user A is selected; i is 2 Investment domain information for user a; i is 3 Presetting an interval for the annual income of the user A; the user a is a user who knows the information of the target investment product. S is the predicted financial product variety, theta is the learning parameter, p (S | I) 1 ,I 2 ,I 2 ,…,I n (ii) a Theta) is the correct probability value of the predicted result, theta * The learning parameter corresponding to the LSTM model when the correct probability value is the maximum.
Determining theta of the LSTM neural network model through the adjustment model * And obtaining the LSTM neural network model after training. At this time, the resource sender is in the above I 1 ,I 2 ,I 2 ,…,I n The corresponding user portrait data in the LSTM neural network model are imported into the LSTM neural network model, so that the LSTM neural network model outputs the corresponding S value, namely the variety of the financial product authorized to be purchased by the resource sender in the online transaction platform.
S1023: purchasing the first financial product and equating the purchase amount of the first financial product to the resource amount.
And initiating a purchase request for the financial products of the variety in the online transaction platform according to the determined variety of the financial products matched with the user portrait data of the resource sender, wherein the share value of the purchased financial products is equivalent to the amount of the resources authorized by the resource sender.
In the embodiment of the invention, the financial products required to be purchased can be predicted according to the user portrait data by acquiring the user portrait data of the resource sender, so that the financial products automatically purchased by the system can accord with the purchasing habit of the resource sender, and the product purchasing information contained in the electronic resource package can embody the recommendation type of the electronic resource package to the financial products.
In another scenario, in step S102, matching the financial product associated with the resource sender and purchasing the financial product equivalent to the resource amount in a pre-docked online transaction platform includes: acquiring user portrait data of a resource receiver; analyzing the user portrait data to determine a financial product matched with the user portrait data of the resource receiver from a plurality of financial products provided by the online trading platform according to an analysis processing result; and purchasing the financial product, and enabling the purchase quantity of the financial product to be equivalent to the resource quantity, thereby ensuring that the purchased financial product can meet the personalized consumption requirement of a resource receiver. The implementation principle of the steps not mentioned in this embodiment is the same as that of the steps mentioned in the previous embodiments, and therefore, the description thereof is omitted.
As another embodiment of the present invention, fig. 4 shows another specific implementation flow of the processing method S102 for an electronic resource package provided by the embodiment of the present invention, which is detailed as follows:
s1024: and respectively acquiring user portrait data of the resource sender and the resource receiver.
S1025: and respectively determining a first financial product matched with the user portrait data of the resource sender and a second financial product matched with the user portrait data of the resource receiver in the plurality of financial products provided by the online transaction platform.
As an embodiment of the present invention, if the user portrait data includes a browsing record of the financial product of the user, such as a browsing page staying time or a browsing frequency, the financial products are ranked according to browsing duration or browsing frequency on the display page of each financial product, and the financial product with the highest ranking is identified as the financial product matching the user portrait data of the user. Thus, based on the foregoing, after user representation data for a resource sender and a resource receiver are obtained, a first financial product that matches the user representation data for the resource sender and a second financial product that matches the user representation data for the resource receiver may be identified.
As another implementation example of the present invention, a first financial product matching with the user portrait data of the resource sender may be determined based on the training mode of the LSTM model and the parameter importing mode mentioned in the above embodiments; similarly, a second financial product matching the user image data of the resource sender is determined based on the training mode of the LSTM model and the parameter importing mode mentioned in the above embodiments.
S1026: and acquiring the investment risk values of the first financial product and the second financial product respectively, purchasing the financial product with the lower investment risk value, and enabling the purchase amount of the financial product to be equivalent to the resource amount.
There is a corresponding investment risk value for each financial product offered for sale by the online trading platform. The investment risk value is pre-assessed and determined based on factors such as the profitability of the financial product over a past preset length of time, the dividend, and the economic environment of the investment site. And respectively determining the investment risk values of the first financial product and the second financial product in the step S1025 according to the corresponding relation between the preset financial product and the investment risk value.
And comparing the magnitude relation of the investment risk values of the first financial product and the second financial product to determine the financial product with a relatively low investment risk value, and initiating a purchase request for the financial product in the online transaction platform, wherein the share value of the purchased financial product is equivalent to the resource quantity authorized by the resource sender.
In the embodiment of the invention, because different users enjoy different investment modes, some users enjoy financial products with high risk and large income, some users prefer financial products with low risk, and the product purchase information contained in the electronic resource package is given to the resource receiver, so that a first financial product matched with the user portrait data of the resource sender and a second financial product matched with the user portrait data of the resource receiver are preliminarily judged by acquiring the user portrait data of the resource sender and the resource receiver, and a financial product with a lower investment risk value is purchased, so that the resource receiver can obtain financial products with safer and more stable income, the reasonable transaction of the financial products is realized, and the effect of intelligent financing is achieved.
As another embodiment of the present invention, in step S104, when the electronic resource package is transmitted to the resource receiver, if the number of the electronic resource packages transmitted simultaneously is greater than or equal to two, the method for processing the electronic resource package further includes:
for any electronic resource packet, if the extraction operation of any user on the electronic resource packet is not detected within a preset time length, selling the financial product matched with the product purchase information in the online transaction platform according to the product purchase information carried by the electronic resource packet;
acquiring the number of the electronic resource packages which are received, and randomly dividing the sale amount corresponding to the financial products into a plurality of reward points with the same number;
and according to the value of the reward money, sequentially storing each reward money into a preset account of the resource receiver of the extracted electronic resource package, so that the reward money distributed by the resource receiver with the earlier electronic resource package receiving time is larger than the reward money distributed by the resource receiver with the later electronic resource package receiving time.
Specifically, the resource sender may send K (K is an integer greater than 1) electronic resource packages simultaneously in the group, and when an electronic resource package extraction instruction sent by K different users is detected, the user is determined as a resource receiver, and the product purchase information is sent to the resource receiver.
In the embodiment of the invention, if the resource sender sends K electronic resource packages in the group at the same time and only determines L (L < K) resource receivers within the preset time length, the (K-L) electronic resource packages are not extracted. At this time, in the (K-L) electronic resource packages, according to the product purchase information carried by each electronic resource package, the financial products matched with the product purchase information are sold in real time in the online transaction platform, so as to obtain the total amount obtained after the (K-L) electronic resource packages are presented, that is, the sale amount.
And randomly dividing the obtained selling amount into a plurality of awards with the number equal to the total number of the drawn electronic resource packages. For example, in the above example, if the total number of electronic resource packs that have been drawn is L, the sale amount is randomly divided into L shares, each of which is a bonus. In the embodiment of the invention, each resource receiver is used as a rewarding party. Each bonus party is allocated a bonus money. Specifically, a reward fund is deposited into a preset account of a resource receiver.
Further, when an extraction instruction corresponding to each electronic resource package is detected, the extraction time of the electronic resource package is recorded, so that the corresponding relation between the extraction time and the resource receiver is stored. If the electronic resource packages which are not extracted still exist in the K electronic resource packages simultaneously sent by the resource sender after the preset time is over, reading the stored corresponding relation between each resource receiver and the extraction time, and sequencing and numbering each resource receiver according to the sequence of the extraction time. Meanwhile, according to the amount of each reward money, the reward money is sequenced and numbered. And storing each reward fund into a preset account of the resource receiver with the same number as the reward fund.
In the embodiment of the invention, for the electronic resource package which is not extracted, the electronic resource package is sold to obtain the corresponding sale amount, all the obtained sale amounts are divided into a plurality of reward points, and the reward points are distributed to the resource receiver of the extracted electronic resource package according to the amount value of the reward points, so that the resource amount authorized by the resource sender can be reasonably distributed without being wasted, and the resource receiver can obtain the reward with higher amount only when the extraction speed is higher, thereby improving the entertainment of the electronic resource package.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
Fig. 5 is a block diagram of a processing apparatus for an electronic resource package according to an embodiment of the present invention, which corresponds to the processing method for an electronic resource package according to the above embodiment. For convenience of explanation, only the portions related to the present embodiment are shown.
Referring to fig. 5, the apparatus includes:
a first obtaining unit 51, configured to obtain the amount of resources authorized by the resource sender.
And the purchasing unit 52 is used for matching the financial products associated with the resource sender in a pre-docked online transaction platform and purchasing the financial products equivalent to the resource quantity.
A second obtaining unit 53, configured to obtain product purchase information related to the financial product, and write the product purchase information into the electronic resource package.
A sending unit 54, configured to send the electronic resource package to a resource receiving party.
A reading unit 55, configured to read user information of the resource receiver if it is detected that the resource receiver performs an extraction operation on the electronic resource package.
A changing unit 56, configured to change, in the online transaction platform, the share right of the financial product from the resource sender to the resource receiver according to the user information, and display the product purchase information on a terminal interface of the resource receiver.
Optionally, the purchasing unit 52 includes:
and the first acquisition subunit is used for acquiring the user portrait data of the resource sender.
And the first determining subunit is used for analyzing the user image data and determining a first financial product matched with the user image data from the plurality of financial products provided by the online trading platform according to the analysis processing result.
And the first purchasing subunit is used for purchasing the first financial product and enabling the purchasing amount of the first financial product to be equivalent to the resource amount.
Optionally, the purchasing unit 52 includes:
and the second acquisition subunit is used for respectively acquiring the user portrait data of the resource sender and the resource receiver.
And the second determining subunit is used for respectively determining a first financial product matched with the user portrait data of the resource sender and a second financial product matched with the user portrait data of the resource receiver in the plurality of financial products provided by the online trading platform.
And the second purchasing subunit is used for respectively acquiring the investment risk values of the first financial product and the second financial product, purchasing the financial product with the lower investment risk value and making the purchasing amount of the financial product equivalent to the resource amount.
Optionally, the reading unit 55 includes:
the display subunit is used for displaying a first option control and a second option control when the extraction operation of the resource receiver on the electronic resource package is detected; the first option control is used for triggering an electronic resource package presentation event, and the second option control is used for triggering a pick-up event of the electronic resource package bearing object.
And the selling subunit is used for selling the financial product on the online trading platform and storing the obtained selling amount into a preset account of the resource receiver when the touch operation on the first option control is detected.
And the reading subunit is used for reading the user information of the resource receiver when the touch operation on the second option control is detected.
Optionally, when the electronic resource package is sent to the resource receiver, if two or more electronic resource packages are sent simultaneously, the apparatus for processing the electronic resource package further includes:
and the selling unit is used for selling the financial product matched with the product purchasing information in the online trading platform according to the product purchasing information carried by the electronic resource package if the extracting operation of any user on the electronic resource package is not detected within a preset time length.
And the third acquisition unit is used for acquiring the number of the electronic resource packages which are received and randomly dividing the sale amount corresponding to the financial products into a plurality of reward points with the same number.
And the distribution unit is used for sequentially storing each reward fund into a preset account of the resource receiver of the extracted electronic resource package according to the numerical value of the reward fund so as to enable the reward fund distributed by the resource receiver with the earlier electronic resource package receiving time to be larger than the reward fund distributed by the resource receiver with the later electronic resource package receiving time.
Fig. 6 is a schematic diagram of a terminal device according to an embodiment of the present invention. As shown in fig. 6, the terminal device 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62, such as a processing program of an electronic resource package, stored in said memory 61 and executable on said processor 60. The processor 60, when executing the computer program 62, implements the steps in the above-described embodiments of the method for processing electronic resource packages, such as the steps 101 to 106 shown in fig. 1. Alternatively, the processor 60, when executing the computer program 62, implements the functions of the modules/units in the above-mentioned device embodiments, such as the functions of the units 51 to 56 shown in fig. 5.
Illustratively, the computer program 62 may be partitioned into one or more modules/units, which are stored in the memory 61 and executed by the processor 60 to implement the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution of the computer program 62 in the terminal device 6.
The terminal device 6 may be a computing device such as a desktop computer, a notebook, a palm computer, and a cloud server. The terminal device may include, but is not limited to, a processor 60, a memory 61. Those skilled in the art will appreciate that fig. 6 is merely an example of a terminal device 6 and does not constitute a limitation of terminal device 6 and may include more or less components than those shown, or some components in combination, or different components, for example, the terminal device may also include input output devices, network access devices, buses, etc.
The Processor 60 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6. The memory 61 may also be an external storage device of the terminal device 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are provided on the terminal device 6. Further, the memory 61 may also include both an internal storage unit and an external storage device of the terminal device 6. The memory 61 is used for storing the computer program and other programs and data required by the terminal device. The memory 61 may also be used to temporarily store data that has been output or is to be output.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
The above embodiments are only used to illustrate the technical solutions of the present application, and not to limit the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present application.
Claims (8)
1. A method for processing an electronic resource package, comprising:
acquiring the amount of resources authorized by a resource sender;
matching financial products related to the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource quantity;
acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;
sending the electronic resource package to a resource receiver;
if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver;
changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver;
when the electronic resource package is sent to a resource receiver, if two or more electronic resource packages are sent simultaneously, the method for processing the electronic resource package further includes:
for any electronic resource packet, if the extraction operation of any user on the electronic resource packet is not detected within a preset time length, selling the financial product matched with the product purchase information in the online transaction platform according to the product purchase information carried by the electronic resource packet;
acquiring the number of the electronic resource packages which are received, and randomly dividing the sale amount corresponding to the financial products into a plurality of reward points with the same number;
and according to the value of the reward money, sequentially storing each reward money into a preset account of the resource receiver of the extracted electronic resource package, so that the reward money distributed by the resource receiver with the earlier electronic resource package receiving time is larger than the reward money distributed by the resource receiver with the later electronic resource package receiving time.
2. The process of claim 1, wherein said matching out said financial product associated with said resource sender and purchasing said financial product equivalent to said resource amount in a pre-docked online trading platform comprises:
acquiring user portrait data of the resource sender;
analyzing the user portrait data, and determining a first financial product matched with the user portrait data from a plurality of financial products provided by the online trading platform according to an analysis result;
purchasing the first financial product and equating the purchase amount of the first financial product to the resource amount.
3. The process of claim 1, wherein said matching out said financial product associated with said resource sender and purchasing said financial product equivalent to said resource amount in a pre-docked online transaction platform comprises:
respectively acquiring user portrait data of the resource sender and the resource receiver;
respectively determining a first financial product matched with the user portrait data of the resource sender and a second financial product matched with the user portrait data of the resource receiver in a plurality of financial products provided by the online transaction platform;
and acquiring the investment risk values of the first financial product and the second financial product respectively, purchasing the financial product with the lower investment risk value, and enabling the purchase amount of the financial product to be equivalent to the resource amount.
4. The processing method as claimed in claim 1, wherein said reading the user information of the resource receiver when detecting the extracting operation of the electronic resource package by the resource receiver comprises:
when the extraction operation of the electronic resource package by the resource receiver is detected, a first option control and a second option control are displayed; the first option control is used for triggering an electronic resource package cash-out event, and the second option control is used for triggering a pick-up event of an electronic resource package carrier;
when the touch operation on the first option control is detected, selling the financial product on the online trading platform, and depositing the obtained selling amount into a preset account of the resource receiver;
and when the touch operation on the second option control is detected, reading the user information of the resource receiver.
5. A terminal device comprising a memory and a processor, the memory having stored therein a computer program operable on the processor, wherein the processor when executing the computer program implements the steps of:
acquiring the amount of resources authorized by a resource sender;
matching financial products related to the resource sender in a pre-docked online transaction platform, and purchasing the financial products equivalent to the resource quantity;
acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;
sending the electronic resource package to a resource receiver;
if the extraction operation of the resource receiver on the electronic resource package is detected, reading the user information of the resource receiver;
changing the share authority of the financial product from the resource sender to the resource receiver in the online transaction platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver;
wherein, when the electronic resource package is sent to a resource receiver, if two or more electronic resource packages are sent simultaneously, the processor executes the computer program, and further implements the following steps:
for any electronic resource packet, if the extraction operation of any user on the electronic resource packet is not detected within a preset time length, selling the financial product matched with the product purchase information in the online transaction platform according to the product purchase information carried by the electronic resource packet;
acquiring the number of the electronic resource packages which are received, and randomly dividing the sale amount corresponding to the financial products into a plurality of reward points with the same number;
and according to the value of the reward money, sequentially storing each part of the reward money into a preset account of the resource receiver of the extracted electronic resource package respectively, so that the reward money distributed by the resource receiver with the earlier electronic resource package drawing time is larger than the resource receiver with the later electronic resource package drawing time.
6. The terminal device of claim 5, wherein said matching out the financial product associated with the resource sender and purchasing the financial product equivalent to the amount of the resource in a pre-docked online transaction platform comprises:
acquiring user portrait data of the resource sender;
analyzing the user portrait data, and determining a first financial product matched with the user portrait data from a plurality of financial products provided by the online trading platform according to an analysis result;
and purchasing the first financial product and equating the purchase amount of the first financial product to the resource amount.
7. The terminal device of claim 5, wherein said matching out the financial product associated with the resource sender and purchasing the financial product equivalent to the amount of the resource in a pre-docked online transaction platform comprises:
respectively acquiring user portrait data of the resource sender and the resource receiver;
respectively determining a first financial product matched with the user portrait data of the resource sender and a second financial product matched with the user portrait data of the resource receiver in a plurality of financial products provided by the online transaction platform;
and acquiring the investment risk values of the first financial product and the second financial product respectively, purchasing the financial product with the lower investment risk value, and enabling the purchase amount of the financial product to be equivalent to the resource amount.
8. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 4.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810315727.7A CN108765144B (en) | 2018-04-10 | 2018-04-10 | Electronic resource package processing method, terminal device and medium |
| PCT/CN2018/097454 WO2019196254A1 (en) | 2018-04-10 | 2018-07-27 | Electronic resource packet processing method and apparatus, terminal device and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810315727.7A CN108765144B (en) | 2018-04-10 | 2018-04-10 | Electronic resource package processing method, terminal device and medium |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN108765144A CN108765144A (en) | 2018-11-06 |
| CN108765144B true CN108765144B (en) | 2023-04-14 |
Family
ID=63981636
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810315727.7A Active CN108765144B (en) | 2018-04-10 | 2018-04-10 | Electronic resource package processing method, terminal device and medium |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN108765144B (en) |
| WO (1) | WO2019196254A1 (en) |
Families Citing this family (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109710410B (en) * | 2018-12-24 | 2021-08-13 | 微梦创科网络科技（中国）有限公司 | Internet information resource allocation method and device |
| CN111093281B (en) * | 2019-12-16 | 2022-11-15 | 建信金融科技有限责任公司 | Method and device for allocating resources |
| CN111669621B (en) * | 2020-04-30 | 2022-04-12 | 聚好看科技股份有限公司 | Media asset data issuing method, server and display device |
| CN112270561A (en) * | 2020-09-22 | 2021-01-26 | 北京达佳互联信息技术有限公司 | Electronic resource distribution method and device, electronic equipment and storage medium |
| CN113129073A (en) * | 2021-05-07 | 2021-07-16 | 口碑(上海)信息技术有限公司 | Resource distribution method and device, computer equipment and computer readable storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966214A (en) * | 2015-06-29 | 2015-10-07 | 百度在线网络技术（北京）有限公司 | Electronic ticket interaction method and device |
| CN106961416A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | The generation method and device of resource |
| CN106959981A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | Resource pattern generation method and device |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FR2810433A1 (en) * | 2000-06-15 | 2001-12-21 | Igtech | ELECTRONIC COUPLING SYSTEM AND METHOD |
| US10540674B2 (en) * | 2012-05-11 | 2020-01-21 | Group One Thousand One, Llc | Systems and methods for administration of financial products |
| CN106961381A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | Forward mesh calibration method, the method for forwarding electronic red packet and server |
| CN107465593B (en) * | 2016-06-06 | 2020-10-09 | 腾讯科技（深圳）有限公司 | Electronic resource transfer method and device |
| CN107665453B (en) * | 2017-08-31 | 2022-01-21 | 北京三快在线科技有限公司 | Virtual resource processing method and device and server |
-
2018
- 2018-04-10 CN CN201810315727.7A patent/CN108765144B/en active Active
- 2018-07-27 WO PCT/CN2018/097454 patent/WO2019196254A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104966214A (en) * | 2015-06-29 | 2015-10-07 | 百度在线网络技术（北京）有限公司 | Electronic ticket interaction method and device |
| CN106961416A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | The generation method and device of resource |
| CN106959981A (en) * | 2016-01-08 | 2017-07-18 | 深圳市星电商科技有限公司 | Resource pattern generation method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2019196254A1 (en) | 2019-10-17 |
| CN108765144A (en) | 2018-11-06 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108765144B (en) | Electronic resource package processing method, terminal device and medium | |
| CN108122110A (en) | Definite method, equipment and the system of a kind of membership information | |
| CN107784504B (en) | Method for generating return visit event of client and terminal equipment | |
| US11132741B2 (en) | System and method for facilitating sales transaction | |
| US20160284022A1 (en) | System and method for automated digital currency savings platform | |
| CN112199575A (en) | Virtual bank account opening method, device, equipment and computer storage medium | |
| CN109146583A (en) | bill processing method and device, storage medium and electronic device | |
| CN112035519B (en) | User image drawing method, device, computer readable storage medium and terminal equipment | |
| US20240086885A1 (en) | System, server and method for providing tax refund service of online purchase products | |
| CN105760441B (en) | Event result display method and device | |
| DE202017006933U1 (en) | Computer system for auctioning or trading bets, as well as a carrier medium or non-volatile storage medium for carrying out computer-implemented procedures for auctioning or trading bets | |
| JP6409115B1 (en) | Automatic journal server and automatic journal program | |
| CN110097369A (en) | Transaction data processing method, device, electronic equipment and storage medium | |
| CN112288460A (en) | Method, device, equipment and storage medium for prompting user to log in platform | |
| CN108053210A (en) | A kind of shape of face method of payment, shape of face reserving method and traction equipment | |
| RU2018137870A (en) | SYSTEMS AND METHODS FOR INDUCING TRANSACTIONS | |
| CN111833187A (en) | Mobility-based one-key financial product transaction method, device and system | |
| CN108351990A (en) | Method and system for distributing physical currency | |
| CN106302367A (en) | Transaction methods and system | |
| US20220343320A1 (en) | Managing currency-based transactions backed by the intrinsic value of physical objects | |
| CN115204865A (en) | Safe use method of all-purpose card | |
| KR101505947B1 (en) | Server for generating benchmark information of financial products, and method thereof | |
| CN107688996A (en) | A kind of method, apparatus and equipment for encouraging user | |
| CN112070646A (en) | Suggestion engine for secondary market agent wagering | |
| JP2022035615A (en) | Information processing device, information processing method, and information processing program |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |