CN110852870A

CN110852870A - Virtual resource transfer method, device, equipment and readable storage medium

Info

Publication number: CN110852870A
Application number: CN201911058981.4A
Authority: CN
Inventors: 刘禹铭; 夏博彦; 刘斌; 杨儒; 黄槽源; 杨亚莉; 史卉萍; 贾成丞; 凌竞男; 姚兵; 乔莎莎; 詹晶
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-11-01
Filing date: 2019-11-01
Publication date: 2020-02-28

Abstract

The embodiment of the application discloses a virtual resource transfer method, a device, equipment and a readable storage medium; the embodiment of the application can receive a virtual resource transfer request; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request; obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension; acquiring target virtual resource transfer reference information corresponding to the target user type; and performing virtual resource transfer based on the target virtual resource transfer reference information. According to the scheme, the users can be reasonably classified according to the historical virtual resource transfer behavior characteristics of the users, and different virtual resource transfer reference information is displayed for different types of users, so that the virtual resource transfer is realized based on the virtual resource transfer reference information, and the accuracy of the virtual resource transfer is improved.

Description

Virtual resource transfer method, device, equipment and readable storage medium

Technical Field

The present invention relates to the field of communications technologies, and in particular, to a virtual resource transfer method, apparatus, device, and readable storage medium.

Background

Nowadays, with the rapid development of the internet, people can obtain desired resources without going out, that is, performing virtual resource transfer operation on the network is an indispensable part in people's life, and cross-border remittance through a certain terminal application is a common one.

In the prior art, when a user performs virtual resource transfer (such as cross-border remittance), most users show consistent virtual resource transfer reference information (such as remittance rate, handling fee and the like) for all users, and the content of the displayed information is mostly based on single judgment criteria and factors (such as scores) rather than real virtual resource transfer behaviors which are generated by user history.

In the research and practice process of the prior art, the inventor of the present invention finds that, in the prior art, it is difficult to accurately classify users according to the real historical virtual resource transfer behavior characteristics of the users, so that it is difficult to display accurate virtual resource transfer reference information for different user types, which results in low accuracy of virtual resource transfer.

Disclosure of Invention

The embodiment of the application provides a virtual resource transfer method, a virtual resource transfer device and a readable storage medium, which can improve the accuracy of virtual resource transfer.

The embodiment of the application provides a virtual resource transfer method, which comprises the following steps:

receiving a virtual resource transfer request;

acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request;

obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension;

acquiring target virtual resource transfer reference information corresponding to the target user type;

and performing virtual resource transfer based on the target virtual resource transfer reference information.

Correspondingly, an embodiment of the present application further provides a virtual resource transfer device, including:

a receiving unit, configured to receive a virtual resource transfer request;

a characteristic obtaining unit, configured to obtain, according to the virtual resource transfer request, historical virtual resource transfer behavior characteristics of a user, on at least one dimension, corresponding to a terminal that sends the virtual resource transfer request;

the classification unit is used for obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension;

an information obtaining unit, configured to obtain target virtual resource transfer reference information corresponding to the target user type;

and the execution unit is used for carrying out virtual resource transfer based on the target virtual resource transfer reference information.

Optionally, in some embodiments, the classification unit comprises a classification subunit and a determination subunit, wherein,

the classification subunit is configured to classify the user according to the historical virtual resource transfer behavior feature in each dimension of the at least one dimension, so as to obtain a user type corresponding to each dimension;

the determining subunit is configured to determine a target user type of the user according to the user type corresponding to each dimension.

Optionally, in some embodiments, the classification subunit is specifically configured to determine, according to the historical virtual resource transfer behavior feature in each dimension, a feature processing manner corresponding to each dimension; performing feature processing on the historical virtual resource transfer behavior features on each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result on each dimension; and classifying the users based on the feature processing result on each dimension to obtain the user type corresponding to each dimension.

Optionally, in some embodiments, the classification subunit is specifically configured to identify a historical virtual resource transfer behavior feature in each dimension, so as to obtain a feature type of each dimension; and determining a feature processing mode corresponding to each dimension according to the feature type.

Optionally, in some embodiments, the classification subunit is specifically configured to:

fusing the characteristic values of the historical virtual resource transfer behavior characteristics in each dimension based on the characteristic processing mode corresponding to each dimension to obtain fused characteristic values in each dimension;

classifying the users based on the feature processing result on each dimension to obtain a user type corresponding to each dimension, wherein the method comprises the following steps:

comparing the fused characteristic value in each dimension with a corresponding preset threshold value to obtain a target comparison result in each dimension;

and classifying the users according to the target comparison result to obtain the user type corresponding to each dimension.

performing statistical processing on the characteristic value of the historical virtual resource transfer behavior characteristic on each dimension based on the characteristic processing mode corresponding to each dimension to obtain a reference characteristic value on each dimension, wherein the reference characteristic value comprises at least one sub-reference value;

selecting the sub-reference value with the largest value in the reference characteristic values as a target selection result;

and classifying the users according to the target selection result to obtain the user type corresponding to each dimension.

Optionally, in some embodiments, the information obtaining unit is specifically configured to obtain a mapping relationship set, where the mapping relationship set includes a mapping relationship between a user type and virtual resource transfer reference information; and determining target virtual resource transfer reference information corresponding to the target user type according to the mapping relation set and the target user type.

Optionally, in some embodiments, the information obtaining unit is specifically configured to store the mapping relationship set, the target user type, and the target virtual resource transfer reference information in a block chain.

Optionally, in some embodiments, the virtual resource transfer apparatus further includes a display unit, specifically configured to display target virtual resource transfer reference information corresponding to the target user type.

Optionally, in some embodiments, the execution unit is specifically configured to acquire a virtual resource transfer instruction triggered based on the target virtual resource transfer reference information; and carrying out virtual resource transfer according to the virtual resource transfer instruction.

Correspondingly, the present application also provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor executes the program to implement the steps in any of the virtual resource transfer methods provided in the embodiments of the present application.

In addition, the present application further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps in any one of the virtual resource transfer methods provided in the present application.

The embodiment of the application can receive a virtual resource transfer request; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request; obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension; acquiring target virtual resource transfer reference information corresponding to the target user type; and performing virtual resource transfer based on the target virtual resource transfer reference information. According to the scheme, the users can be classified according to the historical virtual resource transfer behavior characteristics of the users, and the virtual resource transfer reference information is displayed differently for the users of different types, so that the virtual resource transfer is realized based on the virtual resource transfer reference information, and the accuracy of the virtual resource transfer is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1a is a schematic view of a scenario of a virtual resource transfer method provided in an embodiment of the present application;

fig. 1b is a schematic flowchart of a virtual resource transfer method provided in an embodiment of the present application;

fig. 1c is a schematic flowchart of user classification in a virtual resource transfer method according to an embodiment of the present application;

fig. 1d is an exemplary diagram of a user operation interface in the virtual resource transfer method according to the embodiment of the present application;

fig. 2a is another schematic flowchart of a virtual resource transfer method provided in an embodiment of the present application;

FIG. 2b is a schematic cross-border remittance flow diagram of a virtual resource transfer method according to an embodiment of the present application;

fig. 2c is a schematic structural diagram of a block chain provided in an embodiment of the present application;

fig. 2d is another schematic structural diagram of a block chain according to an embodiment of the present disclosure

Fig. 3a is a schematic structural diagram of a virtual resource transfer apparatus according to an embodiment of the present application;

fig. 3b is a schematic structural diagram of a virtual resource transfer apparatus according to an embodiment of the present application;

fig. 4 is a schematic structural diagram of a computer device provided in an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The embodiment of the application provides a virtual resource transfer method, a virtual resource transfer device, computer equipment and a computer readable storage medium. The virtual resource transfer apparatus may be integrated in a computer device, and the computer device may be a server or a terminal.

For example, referring to fig. 1a, taking the example that the virtual resource transfer apparatus is integrated in a computer device, the computer device may receive a virtual resource transfer request; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request; obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension; acquiring target virtual resource transfer reference information corresponding to the target user type; and performing virtual resource transfer based on the target virtual resource transfer reference information.

The following are detailed below. It should be noted that the following description of the embodiments is not intended to limit the preferred order of the embodiments.

In this embodiment, it will be described from the perspective of a virtual resource transfer apparatus, which may be specifically integrated in a computer device, for example, the virtual resource transfer apparatus may be an entity apparatus provided in the computer device, or the virtual resource transfer apparatus may be integrated in the computer device in the form of a client. The computer equipment can be a server or a terminal and other equipment; the terminal may include a mobile phone, a tablet Computer, a notebook Computer, a Personal Computer (PC), a micro processing box, or other devices.

As shown in fig. 1b, the specific process of the virtual resource transfer method may be as follows:

101. a virtual resource transfer request is received.

The virtual resources are concepts that are opposite to real resources, and are generated mainly with the advent of the internet, such as electronic money. The virtual resource transfer may be the transfer of virtual resources from one virtual resource account or one terminal application account number to another virtual resource account or a certain terminal application account number, and so on.

The virtual resource transfer request may specifically be a remittance request, a transfer request, or a payment request of the terminal application, and the virtual resource transfer request may be triggered by the terminal to which the user belongs, such as clicking or sliding a remittance trigger key, a transfer trigger key, or a payment trigger key in the terminal application interface.

102. According to the virtual resource transfer request, historical virtual resource transfer behavior characteristics of a user corresponding to the terminal sending the virtual resource transfer request on at least one dimension are obtained.

For example, the historical virtual resource transfer record of the user may be retrieved according to the virtual resource transfer request, and when it is determined that the historical virtual resource transfer operation exists in the user, the historical virtual resource transfer behavior characteristics of the user in at least one dimension are obtained.

The historical virtual resource transfer behavior characteristics of the user in at least one dimension are behavior characteristics recorded by the user in virtual resource transfer operation within a past preset time limit, and the behavior characteristics are represented in at least one dimension, such as the number of virtual resource transfers performed by the user, the frequency of the transfers, the time distribution of the transfers, the commission charge of the transfers, the number of receivers and the regional distribution of the receivers, and the like.

For example, taking the user performing the cross-border remittance as an example, the behavior characteristic of the user performing the cross-border remittance within the past preset time limit may be obtained according to the cross-border remittance request of the user, and the behavior characteristic is represented by at least one dimension, such as remittance amount, remittance rate, commission fee, remittance frequency, remittance destination and remittee number.

The preset time limit may be set according to the requirements of the actual application, for example, the preset time limit may be the last 3 months, or the last 1 year, and so on, which is not described herein again.

103. And obtaining the target user type of the user based on the historical virtual resource transfer behavior characteristics on at least one dimension. For example, the following may be specifically mentioned:

(1) and classifying the users according to the historical virtual resource transfer behavior characteristics of each dimension in the at least one dimension to obtain the user type corresponding to each dimension.

For example, a feature processing mode corresponding to each dimension may be specifically determined according to the historical virtual resource transfer behavior feature in each dimension in at least one dimension; performing feature processing on the historical virtual resource transfer behavior features on each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result on each dimension; and classifying the users based on the feature processing result on each dimension to obtain the user type corresponding to each dimension.

The historical virtual resource transfer behavior characteristics of the user are expressed in at least one dimension, and the data expression forms of the virtual resource transfer behavior characteristics in each dimension are different, so that the characteristic processing modes corresponding to each dimension are different, namely, the characteristic processing modes of the historical virtual resource transfer behavior characteristics of the user can be various. For example, feature processing results on each dimension can be obtained by performing fusion processing on feature values of the transfer behavior features of the historical virtual resources; the characteristic processing result on each dimension can also be obtained by carrying out statistical processing on the characteristic value of the transfer behavior characteristic of the historical virtual resource. The fusion process may be performed in various ways, such as a mathematical average, a weighted average, and an exceptional average (e.g., a mathematical average with the highest amount removed and the lowest amount removed), and so on. Specifically, the step "performing feature processing on the historical virtual resource transfer behavior feature in each dimension based on the feature processing manner corresponding to each dimension to obtain a feature processing result in each dimension" may include:

For example, taking cross-border remittance as an example, as shown in fig. 1c, the feature value of the historical remittance behavior feature in each dimension of the user is fused, and the feature value after the fusion processing is compared with a preset threshold, so as to obtain the user type corresponding to each dimension, which is specifically as follows:

in the dimension of remittance amount, the method can perform fusion processing modes such as mathematical average, weighted average or special average processing on the historical remittance order amount of the user to obtain a feature value after fusion processing, such as remittance average amount, and can obtain a target comparison result in the dimension by comparing and judging the remittance average amount with a preset remittance amount threshold value: the remittance average amount is larger than or equal to a preset remittance amount threshold value, or the remittance average amount is smaller than the preset remittance amount threshold value, according to the target comparison result on the dimension, the user can be classified as a high unit price user or a low unit price user, and the user type A is obtained.

In the aspect of the exchange rate dimension, the historical remittance order exchange rate of the user can be subjected to fusion processing modes such as mathematical average, weighted average, median or special average processing, so as to obtain a feature value after fusion processing, such as average remittance settlement exchange rate, and the objective comparison result in the dimension can be obtained by comparing and judging the average remittance settlement exchange rate with a preset exchange rate threshold value: and classifying the user into a user with sensitive exchange rate or a user with insensitive exchange rate according to the target comparison result on the dimension to obtain the user type B, wherein the average remittance settlement exchange rate is greater than or equal to the preset exchange rate threshold value, or the average remittance settlement exchange rate is smaller than the preset exchange rate threshold value.

In the handling fee dimension, the historical remittance order handling fee of the user can be subjected to fusion processing modes such as mathematical average, weighted average, median or special average processing and the like to obtain a feature value after fusion processing, such as remittance average handling fee, and the target comparison result in the dimension can be obtained by comparing and judging the remittance average handling fee with a preset handling fee threshold value: the remittance average handling charge is more than or equal to a preset handling charge threshold value, or the remittance average handling charge is less than the preset handling charge threshold value, and according to the target comparison result on the dimension, the user can be classified as a handling charge sensitive user or a handling charge insensitive user to obtain a user type C;

in the remittance frequency dimension, the number of historical remittance orders and remittance time of the user may be calculated, for example, the number of remittance accumulated by the user in the past preset period is counted, the number of remittance of the user in the average set first period, such as the average number of remittance times per month, the historical remittance frequency value is compared with the preset remittance frequency threshold value for judgment, and the target comparison result in the dimension may be obtained: the historical remittance frequency value is greater than or equal to a preset remittance frequency threshold value, or the remittance frequency value is smaller than the preset remittance frequency threshold value, and according to the target comparison result on the dimension, the user can be classified into a high-frequency user or a low-frequency user to obtain a user type D;

in the payee number dimension, the amount of removed money of the payee (a plurality of remittances made to the same payee, which is counted as one remitter) within a past predetermined period may be counted, that is, the amount of the payee to which the user has accumulated money. By comparing and judging the number of the receivers with the remittance frequency threshold, a target comparison result on the dimension can be obtained: the number of the recipients is greater than or equal to the preset remittance frequency threshold, or the number of the recipients is smaller than the preset remittance frequency threshold, according to the target comparison result in the dimension, the user can be classified as a multi-recipient user or a low-recipient user, so as to obtain the user type D, and the like, which is not repeated again.

Optionally, the feature processing result on each dimension may also be obtained by performing statistical processing on the feature value of the historical virtual resource transfer behavior feature of the user. Specifically, the step of performing feature processing on the historical virtual resource transfer behavior feature in each dimension based on the feature processing mode corresponding to each dimension to obtain the feature processing result in each dimension may include:

performing statistical processing on the characteristic value of the historical virtual resource transfer behavior characteristic on each dimension based on the characteristic processing mode corresponding to each dimension to obtain a reference characteristic value on each dimension, wherein the reference characteristic value comprises at least two sub-reference values;

For example, taking cross-border remittance as an example, classifying users by statistical processing may include:

in the dimension of a remittance destination (namely, the location of a receiver), the destinations to which the user remittance is carried out in the past preset time are counted to obtain the region with the highest remittance frequency of the user, and the type of the user is directly judged through the highest-frequency destination. Wherein the money transfer destination includes at least one region. For example, if the user has 10 remittances to area A, 15 remittances to area B, and 8 remittances to area C in his/her historical remittance record, wherein the remittance to area B has the highest number, the user type is user type B.

Optionally, in addition to the two listed feature processing manners of fusion processing and feature processing, the users may be classified and judged according to the variation trend of the feature values of the historical virtual resource transfer behavior features in each dimension, so as to obtain the user type corresponding to each dimension. For example, analyzing the characteristic value of the transfer behavior characteristic of the historical virtual resource of the user in each dimension to obtain the variation trend information of the characteristic value of the transfer behavior characteristic of the historical virtual resource; and classifying the users according to the change trend information of the characteristic values of the historical virtual resource transfer behavior characteristics so as to determine the user types of the users.

The preset remittance amount threshold, the preset remittance rate threshold, the preset commission fee threshold, the preset remittance frequency threshold and the set first time period may be set according to the requirements of the practical application, and are not described in detail herein.

It should be noted that, feature processing is performed on historical virtual resource transfer behavior features of different dimensions, and the feature processing is not prioritized, and may be performed sequentially according to a time sequence. It should be understood that the dimensions that affect the user classification include, but are not limited to, the dimensions listed above for money transfer amount, transfer rate, handling fee, frequency of money transfers, number of transferees, and destination of money transfers.

(2) And determining the target user type of the user according to the user type corresponding to each dimension.

For example, the user types of the user in at least one dimension are integrated to obtain the target user type of the user. The user types in at least one dimension can be integrated in a plurality of integration modes, the user types in all dimensions can be integrated, and the user types in part of dimensions can be selected for integration. For example, the target user type may be an exchange rate sensitive user, a commission sensitive user, an exchange rate and commission sensitive user, or a non-exchange rate and commission sensitive user, and so on.

104. And acquiring target virtual resource transfer reference information corresponding to the type of the target user. For example, the method may specifically include:

acquiring a mapping relation set, wherein the mapping relation set comprises a mapping relation between a user type and virtual resource transfer reference information;

and determining target virtual resource transfer reference information corresponding to the target user type through the mapping relation set and the target user type.

In some embodiments, the obtaining the target virtual resource transfer reference information corresponding to the target user type further includes: and storing the mapping relation set, the target user type and the target virtual resource transfer reference information into a block chain.

The virtual resource transfer reference information is information referred by a user during virtual resource transfer operation, and the virtual resource transfer operation is completed based on the referred information. The mapping relationship between the user type and the virtual resource transfer reference information may be a one-to-one mapping relationship, or a many-to-one mapping relationship, that is, one user type corresponds to one virtual resource transfer reference information, or multiple user types correspond to one virtual resource transfer reference information.

For example, the money transfer page, as shown in FIG. 1d, shows the rate and commission of transfers from hong Kong to the Philippines. Wherein, the user type sensitive to the exchange rate can display the lower exchange rate, but the displayed commission is higher; user types sensitive to commission may display a lower commission but a higher exchange rate, and so on, which will not be described again.

It should be noted that, for the user (e.g. a new user) that does not retrieve the historical virtual resource transfer behavior characteristics in step 102, preset virtual resource transfer reference information may be displayed, and the preset virtual resource transfer reference information may be set according to the requirements of the actual application.

105. And performing virtual resource transfer based on the target virtual resource transfer reference information. For example, the method may specifically include:

acquiring a virtual resource transfer instruction triggered based on the virtual resource transfer reference information;

and carrying out virtual resource transfer according to the virtual resource transfer instruction.

In an embodiment, before performing virtual resource transfer based on the virtual resource transfer reference information, the method further includes: and displaying the target virtual resource transfer reference information corresponding to the target user type. Referring to the user remittance page shown in fig. 1d, when the user triggers the remittance confirmation button based on the displayed remittance rate and the commission fee, the virtual resource transfer is performed according to the virtual resource transfer instruction triggered by the confirmation operation.

Wherein the virtual resource transfer instruction at least comprises: the virtual resource transferring reference information, the value of the virtual resource to be transferred, the account to be transferred and the target account, and the safety verification information (such as user identity verification information, random verification code and the like) of the virtual resource transferring.

As can be seen from the above, the embodiment of the present application may receive a virtual resource transfer request; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request; obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension; acquiring target virtual resource transfer reference information corresponding to the target user type; and performing virtual resource transfer based on the target virtual resource transfer reference information. According to the scheme, the users can be classified according to the historical virtual resource transfer behavior characteristics of the users, and the virtual resource transfer reference information is displayed differently for the users of different types, so that the virtual resource transfer is realized based on the virtual resource transfer reference information, and the accuracy of the virtual resource transfer is improved.

The method described in the above embodiments is further illustrated in detail by way of example.

In this embodiment, the virtual resource transfer apparatus will be described by taking an example in which the virtual resource transfer apparatus is specifically integrated in a computer device.

As shown in fig. 2a, a virtual resource transfer method may specifically include the following processes:

201. a computer device receives a virtual resource transfer request.

The virtual resource transfer request may be triggered by a user at a computer device such as a terminal, specifically, a remittance request, a transfer request, or a payment request of a terminal application, and the like, and the virtual resource transfer request may be triggered by the user through the terminal to which the user belongs, such as clicking or sliding a remittance trigger key, a transfer trigger key, or a payment trigger key in the terminal application interface, and the like.

202. According to the virtual resource transfer request, historical virtual resource transfer behavior characteristics of a user corresponding to the terminal sending the virtual resource transfer request on at least one dimension are obtained.

For example, the computer device may specifically retrieve a historical virtual resource transfer record of the user according to the virtual resource transfer request, and when it is determined that the historical virtual resource transfer operation exists for the user, obtain a historical virtual resource transfer behavior characteristic of the user in at least one dimension.

For example, taking the cross-border remittance as an example, the computer device may specifically obtain the behavior characteristic of the user performing the cross-border remittance within the past preset time limit according to the cross-border remittance request of the user, where the behavior characteristic is expressed by at least one dimension, such as remittance amount, remittance rate, commission fee, remittance frequency, remittance destination and remittance amount, and the like.

203. The computer equipment classifies the users according to the historical virtual resource transfer behavior characteristics of each dimension in at least one dimension to obtain the user type corresponding to each dimension.

For example, the computer device may determine a feature processing manner corresponding to each dimension according to the historical virtual resource transfer behavior feature in each dimension of the at least one dimension; performing feature processing on the historical virtual resource transfer behavior features on each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result on each dimension; and classifying the users based on the feature processing result on each dimension to obtain the user type corresponding to each dimension.

For example, taking cross-border remittance as an example, in a remittance dimension, a fusion processing manner such as mathematical average, weighted average, median or special average processing may be performed on the remittance order remittance rate of the user history to obtain a feature value after fusion processing, such as remittance average settlement rate, and by comparing and judging the remittance average settlement rate with a preset rate threshold, a target comparison result in the dimension may be obtained: the remittance average settlement rate is greater than or equal to a preset rate threshold value, or the remittance average settlement rate is smaller than the preset rate threshold value, and according to the target comparison result on the dimensionality, the user can be classified as a rate-sensitive user or a rate-insensitive user; for another example, in the handling fee dimension, a fusion processing mode such as mathematical average, weighted average, median or special average processing can be performed on the handling fee of the historical remittance order of the user to obtain a feature value after fusion processing such as remittance average handling fee, and by comparing and judging the remittance average handling fee with a preset handling fee threshold, a target comparison result in the dimension can be obtained: the remittance average handling fee is greater than or equal to the preset handling fee threshold, or the remittance average handling fee is smaller than the preset handling fee threshold, according to the target comparison result in the dimension, the user can be classified as a handling fee-sensitive user or a handling fee-insensitive user, and the like, and the details are omitted for the same reason.

Optionally, the computer device may also perform statistical processing on the feature values of the historical virtual resource transfer behavior features of the user, so as to obtain a feature processing result in each dimension. Specifically, the step of performing feature processing on the historical virtual resource transfer behavior feature in each dimension based on the feature processing mode corresponding to each dimension to obtain the feature processing result in each dimension may include:

For example, taking cross-border remittance as an example, in the dimension of a remittance destination (i.e., a location of a receiver), the destinations to which users have remitted within a past preset time are counted to obtain an area where the user has the highest remittance frequency, and the user type is directly judged through the highest-frequency destination. Wherein the money transfer destination includes at least one region. For example, if the user has 20 remittances to the first zone, 15 remittances to the second zone, and 8 remittances to the third zone in his/her historical remittance record, wherein the remittance count to the first zone is the highest, the user type is the first-zone user.

It should be noted that, feature processing is performed on historical virtual resource transfer behavior features of different dimensions, and the feature processing is not prioritized, and may be performed sequentially according to a time sequence. It should be understood that dimensions that affect user classification include, but are not limited to, the above listed dimensions.

204. And the computer equipment determines the target user type of the user according to the user type corresponding to each dimension.

For example, the computer device integrates the user type of the user in each of the at least one dimension to obtain a target user type of the user. The user types in at least one dimension can be integrated in a plurality of integration modes, the user types in all dimensions can be integrated, and the user types in part of dimensions can be selected for integration. For example, the target user type may be an exchange rate sensitive user, a commission sensitive user, an exchange rate and commission sensitive user, or a non-exchange rate and commission sensitive user, and so on.

205. And the computer equipment acquires the target virtual resource transfer reference information corresponding to the target user type. For example, the method may specifically include:

the method comprises the steps that computer equipment obtains a mapping relation set, wherein the mapping relation set comprises a mapping relation between a user type and virtual resource transfer reference information; and determining target virtual resource transfer reference information corresponding to the target user type through the mapping relation set and the target user type.

For example, the money transfer page, as shown in FIG. 1d, shows the rate and commission of transfers from hong Kong to the Philippines. User types that are sensitive to exchange rate may show lower exchange rates but higher commission fees for the display; user types sensitive to commission may display a lower commission but a higher exchange rate, and so on, which will not be described again.

206. And the computer equipment transfers the virtual resources based on the target virtual resource transfer reference information.

For example, the method may specifically include:

the computer equipment acquires a virtual resource transfer instruction triggered by a user based on the virtual resource transfer reference information; and carrying out virtual resource transfer according to the virtual resource transfer instruction.

In an embodiment, before performing virtual resource transfer based on the virtual resource transfer reference information, the method further includes: and displaying the target virtual resource transfer reference information corresponding to the target user type. See fig. 1d for a user money transfer page that includes a selection of the sender's and recipient's locale, such as a choice to transfer from hong kong to the philippines, for the user to select the sender's and recipient's locale. When a user triggers a Cash withdrawal (Cash pick up) control, the user can select an Account To be remitted, a type selection of a receiver Account is provided for the user by the Cash withdrawal (Cash pick up) control, a remittance amount can be automatically input after the user selects a destination To be remitted and the Account of the receiver To be remitted, a corresponding remittance rate and a commission fee are displayed by the computer device according To the user type of the user and the input remittance amount, for example, the real-time display rate of a porthole coin (HKD) To a Philippine Bisson (PHP) is 6.6440, and when the user triggers a remittance confirmation button based on the displayed rate and commission fee, the computer device performs virtual resource transfer according To a virtual resource transfer instruction triggered by a confirmation operation. The contents of the money transfer page may be displayed in a variety of languages, such as chinese, english, etc.

In some embodiments, the virtual resource transfer scheme provided by the embodiments of the present application is specifically used in a cross-border remittance scenario, as shown in fig. 2 b. After reading the remittance behavior recording unit of the user, the computer equipment judges whether the current user has a history remittance behavior record, if not, the remittance behavior recording unit is empty or set as a default value, and if so, the history remittance behavior record of the user is obtained; judging the historical remittance behavior record of the user through a user classification unit to obtain the user type; the remittance reference information is mapped and displayed by the user type and remittance reference information mapping unit, and when the user completes remittance based on the remittance reference information, the user's history remittance record is updated.

In the whole process, the user classification unit can periodically update the user classification rule and periodically update the type of the current user. Similarly, the mapping unit of user type and remittance reference information updates the mapping rule periodically and updates the remittance reference information for the current user type periodically. The updating mode can also support triggered updating besides periodicity; the user classification rule, the user type and the remittance reference information mapping rule can be configured according to the requirements of practical application.

In an embodiment, the mapping relationship set, the target virtual resource transfer reference information and the target virtual resource transfer reference information in step 205 may be stored into a block chain. The blockchain system may be a distributed system formed by connecting clients, a plurality of nodes (any form of computing devices in an access network, such as servers and user terminals) through a network communication mode. Referring To fig. 2c, fig. 2c is an optional structural diagram of the distributed system 100 applied To a blockchain system, which is formed by a plurality of nodes (any form of computing devices in an access network, such as servers and user terminals) and clients, and a Peer-To-Peer (P2P, Peer To Peer) network is formed between the nodes, where the P2P Protocol is an application layer Protocol running on top of a Transmission Control Protocol (TCP). In a distributed system, any machine, such as a server or a terminal, can join to become a node, and the node comprises a hardware layer, a middle layer, an operating system layer and an application layer.

Referring to the functions of each node in the blockchain system shown in fig. 2c, the functions involved include:

1) routing, a basic function that a node has, is used to support communication between nodes.

Besides the routing function, the node may also have the following functions:

2) the application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recording data, carrying a digital signature in the recording data to represent a source of task data, and sending the recording data to other nodes in the block chain system, so that the other nodes add the recording data to a temporary block when the source and integrity of the recording data are verified successfully.

For example, the services implemented by the application include:

2.1) wallet, for providing the function of transaction of electronic money, including initiating transaction (i.e. sending the transaction record of current transaction to other nodes in the blockchain system, after the other nodes are successfully verified, storing the record data of transaction in the temporary blocks of the blockchain as the response of confirming the transaction is valid; of course, the wallet also supports the querying of the remaining electronic money in the electronic money address;

and 2.2) sharing the account book, wherein the shared account book is used for providing functions of operations such as storage, query and modification of account data, record data of the operations on the account data are sent to other nodes in the block chain system, and after the other nodes verify the validity, the record data are stored in a temporary block as a response for acknowledging that the account data are valid, and confirmation can be sent to the node initiating the operations.

2.3) Intelligent contracts, computerized agreements, which can enforce the terms of a contract, implemented by codes deployed on a shared ledger for execution when certain conditions are met, for completing automated transactions according to actual business requirement codes, such as querying the logistics status of goods purchased by a buyer, transferring the buyer's electronic money to the merchant's address after the buyer signs for the goods; of course, smart contracts are not limited to executing contracts for trading, but may also execute contracts that process received information.

3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and recorded data submitted by nodes in the Block chain system are recorded in the blocks.

Referring to fig. 2d, fig. 2d is an optional schematic diagram of a Block Structure (Block Structure) according to an embodiment of the present invention, where each Block includes a hash value of a transaction record (hash value of the Block) stored in the Block and a hash value of a previous Block, and the blocks are connected by the hash value to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain), which is essentially a decentralized database, is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block.

In order to better implement the method, the embodiment of the present application further provides a virtual resource transfer apparatus, which may be integrated in a computer device, such as a server or a terminal.

For example, as shown in fig. 3a, the virtual resource transfer apparatus may include a receiving unit 301, a feature acquiring unit 302, a classifying unit 303, an information acquiring unit 304, a displaying unit 305, an executing unit 306, and the like, as follows:

a receiving unit 301, configured to receive a virtual resource transfer request;

a characteristic obtaining unit 302, configured to obtain, according to the virtual resource transfer request, historical virtual resource transfer behavior characteristics of a user, on at least one dimension, corresponding to a terminal that sends the virtual resource transfer request;

a classifying unit 303, configured to obtain a target user type of the user based on the historical virtual resource transfer behavior feature in the at least one dimension;

an information obtaining unit 304, configured to obtain target virtual resource transfer reference information corresponding to the target user type;

a display unit 305, configured to display target virtual resource transfer reference information corresponding to the target user type.

An executing unit 306, configured to perform virtual resource transfer based on the target virtual resource transfer reference information.

In some embodiments, referring to fig. 3b, the classification unit 303 includes:

a classification subunit 3031, configured to classify the user according to the historical virtual resource transfer behavior feature in each dimension of the at least one dimension, to obtain a user type corresponding to each dimension;

a determining subunit 3032, configured to determine a target user type of the user according to the user type corresponding to each dimension.

In some embodiments, the classification subunit 3031 is configured to:

determining a characteristic processing mode corresponding to each dimension according to the historical virtual resource transfer behavior characteristics on each dimension;

performing feature processing on the historical virtual resource transfer behavior features on each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result on each dimension;

and classifying the users based on the feature processing result on each dimension to obtain the user type corresponding to each dimension.

In some embodiments, the classification subunit 3031 may be specifically configured to:

identifying historical virtual resource transfer behavior characteristics on each dimension to obtain a characteristic type of each dimension;

and determining a feature processing mode corresponding to each dimension according to the feature type.

Optionally, in some embodiments, the classification subunit 3031 may be specifically configured to:

In some embodiments, the information obtaining unit 304 is configured to:

and determining target virtual resource transfer reference information corresponding to the target user type according to the mapping relation set and the target user type.

Optionally, in some embodiments, the information obtaining unit 304 may be specifically configured to:

and storing the mapping relation set, the target user type and the target virtual resource transfer reference information into a block chain.

In some embodiments, the virtual device further includes a display unit 305, specifically configured to display target virtual resource transfer reference information corresponding to the target user type.

In some embodiments, the execution unit 306 is configured to:

acquiring a virtual resource transfer instruction triggered by a user based on the virtual resource transfer reference information;

Optionally, in some embodiments, the virtual resource transfer device may further include an internal monitoring unit, which is mainly used for monitoring the operation of the unit in real time and periodically updating the unit; if the system is detected to be abnormal in operation, an alarm can be triggered, and a preset display scheme is triggered for a user within an abnormal influence range.

In a specific implementation, the above units may be implemented as independent entities, or may be combined arbitrarily to be implemented as the same or several entities, and the specific implementation of the above units may refer to the foregoing method embodiments, which are not described herein again.

As can be seen from the above, the virtual resource transfer apparatus according to the embodiment of the present invention may receive the virtual resource transfer request through the receiving unit 301; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension by a characteristic acquisition unit 302 according to the virtual resource transfer request; obtaining, by the classifying unit 303, a target user type of the user based on the historical virtual resource transfer behavior characteristics in the at least one dimension; acquiring, by the information acquiring unit 304, target virtual resource transfer reference information corresponding to the target user type; displaying, by the display unit 305, target virtual resource transfer reference information corresponding to the target user type; performing, by the execution unit 306, virtual resource transfer based on the target virtual resource transfer reference information. According to the scheme, the users can be classified according to the historical virtual resource transfer behavior characteristics of the users, and the virtual resource transfer reference information is displayed differently for the users of different types, so that the virtual resource transfer is realized based on the virtual resource transfer reference information, and the accuracy of the virtual resource transfer is improved.

The embodiment of the present application further provides a computer device, as shown in fig. 4, which shows a schematic structural diagram of the computer device according to the embodiment of the present application, specifically:

the computer device may include components such as a processor 401 of one or more processing cores, memory 402 of one or more computer-readable storage media, a power supply 403, and an input unit 404. Those skilled in the art will appreciate that the computer device configuration illustrated in FIG. 4 does not constitute a limitation of computer devices, and may include more or fewer components than those illustrated, or some components may be combined, or a different arrangement of components. Wherein:

the processor 401 is a control center of the computer device, connects various parts of the entire computer device using various interfaces and lines, and performs various functions of the computer device and processes data by running or executing software programs and/or modules stored in the memory 402 and calling data stored in the memory 402, thereby monitoring the computer device as a whole. Optionally, processor 401 may include one or more processing cores; preferably, the processor 401 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 401.

The memory 402 may be used to store software programs and modules, and the processor 401 executes various functional applications and data processing by operating the software programs and modules stored in the memory 402. The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program (such as a sound playing function, an image playing function, etc.) required by at least one function, and the like; the storage data area may store data created according to use of the computer device, and the like. Further, the memory 402 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device. Accordingly, the memory 402 may also include a memory controller to provide the processor 401 access to the memory 402.

The computer device further comprises a power supply 403 for supplying power to the various components, and preferably, the power supply 403 is logically connected to the processor 401 via a power management system, so that functions of managing charging, discharging, and power consumption are implemented via the power management system. The power supply 403 may also include any component of one or more dc or ac power sources, recharging systems, power failure detection circuitry, power converters or inverters, power status indicators, and the like.

The computer device may also include an input unit 404, the input unit 404 being operable to receive input numeric or character information and to generate keyboard, mouse, joystick, optical or trackball signal inputs related to user settings and function control.

Although not shown, the computer device may further include a display unit and the like, which are not described in detail herein. Specifically, in this embodiment, the processor 401 in the computer device loads the executable file corresponding to the process of one or more application programs into the memory 402 according to the following instructions, and the processor 401 runs the application programs stored in the memory 402, thereby implementing various functions as follows:

receiving a virtual resource transfer request; acquiring historical virtual resource transfer behavior characteristics of a user corresponding to a terminal sending the virtual resource transfer request on at least one dimension according to the virtual resource transfer request; obtaining a target user type of the user based on the historical virtual resource transfer behavior characteristics on the at least one dimension; acquiring target virtual resource transfer reference information corresponding to the target user type; and performing virtual resource transfer based on the target virtual resource transfer reference information.

The above operations can be referred to the previous embodiments specifically, and are not described herein.

It will be understood by those skilled in the art that all or part of the steps of the methods of the above embodiments may be performed by instructions or by associated hardware controlled by the instructions, which may be stored in a computer readable storage medium and loaded and executed by a processor.

To this end, an embodiment of the present application provides a computer-readable storage medium, in which a computer program is stored, where the computer program can be loaded by a processor to execute the steps in any one of the virtual resource transfer methods provided in the embodiment of the present application. For example, the computer program may perform the steps of:

The above operations can be implemented in the foregoing embodiments, and are not described in detail herein.

Wherein the computer-readable storage medium may include: read Only Memory (ROM), Random Access Memory (RAM), magnetic or optical disks, and the like.

Since the instructions stored in the computer-readable storage medium may execute the steps in any virtual resource transfer method provided in the embodiments of the present application, beneficial effects that can be achieved by any virtual resource transfer method provided in the embodiments of the present application may be achieved, which are detailed in the foregoing embodiments and will not be described herein again.

The foregoing describes in detail a virtual resource transfer method, apparatus, computer device, and computer-readable storage medium provided in the embodiments of the present application, and specific examples are applied in the present application to explain the principles and embodiments of the present invention, and the descriptions of the foregoing embodiments are only used to help understand the method and the core idea of the present invention; meanwhile, for those skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A virtual resource transfer method, comprising:

receiving a virtual resource transfer request;

2. The method of claim 1, wherein the obtaining the target user type of the user based on the historical virtual resource transfer behavior characteristics in the at least one dimension comprises:

classifying the users according to the historical virtual resource transfer behavior characteristics of each dimension of the at least one dimension to obtain a user type corresponding to each dimension;

and determining the target user type of the user according to the user type corresponding to each dimension.

3. The method according to claim 2, wherein the classifying the users according to the historical virtual resource transfer behavior characteristics in each dimension of the at least one dimension to obtain a user type corresponding to each dimension comprises:

4. The method according to claim 3, wherein the determining a feature processing mode corresponding to each dimension according to the historical virtual resource transfer behavior feature on each dimension comprises:

5. The method according to claim 3, wherein the performing feature processing on the historical virtual resource transfer behavior feature in each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result in each dimension comprises:

6. The method according to claim 3, wherein the performing feature processing on the historical virtual resource transfer behavior feature in each dimension based on the feature processing mode corresponding to each dimension to obtain a feature processing result in each dimension comprises:

7. The method according to claim 1, wherein the obtaining of the target virtual resource transfer reference information corresponding to the target user type includes:

8. The method of claim 7, further comprising:

9. The method of claim 1, wherein performing virtual resource transfer based on the virtual resource transfer reference information comprises:

10. The method according to claim 1, wherein before performing virtual resource transfer based on the virtual resource transfer reference information, further comprising:

and displaying the target virtual resource transfer reference information corresponding to the target user type.

11. A virtual resource transfer apparatus, comprising:

a receiving unit, configured to receive a virtual resource transfer request;

12. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the steps of the method according to any of claims 1-10 are implemented when the program is executed by the processor.

13. A computer-readable storage medium, on which a computer program is stored, wherein the computer program, when being executed by a processor, carries out the steps of the method according to any one of claims 1-10.