CN111028075A - Virtual resource transfer method, device and equipment - Google Patents
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Abstract
A virtual resource transfer method, device and equipment are disclosed. The virtual resource transfer method comprises the following steps: acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; acquiring information of a transfer channel of the virtual resource; determining a virtual resource transfer scheme based on at least one item of information of the initial virtual resource to be transferred, information of the target virtual resource and information of a transfer channel; and transferring the virtual resources according to the determined virtual resource transfer scheme.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a virtual resource transfer method, a virtual resource transfer device and virtual resource transfer equipment.
Background
The cross-border remittance refers to the financial foreign exchange business which is carried out from one country or region to another country or region, accords with the financial regulation and limit rules of the country or region and is oriented to individuals or enterprises, and the remittance and the collection ring support the same or different currencies. There are currently several companies on the market that are interested in cross-border money transfer services. Since the international exchange rate is in an irregular fluctuation state, the exchange rates of different transfer channels are different, and the exchange rates of different currencies and the same currency are unpredictable, different costs may be consumed at different times or when the same money is settled in different currencies. However, the current cross-border remittance service often only supports trading and settlement of fixed channels and fixed currencies, has no active method for fluctuation of market exchange rate, is easily affected by fluctuation of market exchange rate, and has a possibility of loss and a great uncertain risk if the market exchange rate is continuously or suddenly lowered. In addition, the current cross-border remittance service cannot adjust the distribution of the transaction and cooperation channels according to the actual situation, and the flexibility is not enough. Even with revenue, the maximum revenue may not be realized.
Disclosure of Invention
The embodiment of the invention provides a virtual resource transfer method, a device and equipment, which can automatically distribute transfer channels according to the current remittance rate and the transfer cost when remittance occurs and directly determine the settlement currency of the remittance on the premise that the transfer destination amount is not changed, thereby ensuring that the cost is saved to the maximum extent, namely, the maximum business income is obtained. In addition, the distribution process of the transfer channel and the distribution process of the settlement currency are not perceived at the user side, namely, the maximum business benefit is obtained on the premise of ensuring the same good perception of the user.
The embodiment of the invention provides a virtual resource transfer method, which comprises the following steps: acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; acquiring information of a transfer channel of the virtual resource; determining a virtual resource transfer scheme based on at least one item of information of the initial virtual resource to be transferred, information of the target virtual resource and information of a transfer channel; and transferring the virtual resources according to the determined virtual resource transfer scheme.
According to an embodiment of the present invention, the information of the transfer channel includes at least one of: the method comprises the following steps of obtaining availability state information of a transfer channel, information on whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel; wherein the resource exchange rate information comprises: resource exchange rate of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set; wherein the settlement cost information includes: the settlement cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources.
According to an embodiment of the present invention, the determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel includes: determining a virtual resource transfer scheme in accordance with at least one dimension, wherein the at least one dimension comprises at least one of: the method comprises the following steps that the usability state dimension of a transfer channel, the dimension of whether the transfer channel accepts a resource transfer request of a current user, the maximum transfer quantity dimension currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel are determined; the dimension priority of the availability state dimension of the transfer channel is higher than the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user or not; whether the dimension priority of the dimension of the resource transfer request of the current user is accepted by the transfer channel is higher than the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel; the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel is higher than the dimension priority of the resource exchange rate dimension of the transfer channel; the dimension priority of the resource exchange rate dimension of the transfer channel is equal to the dimension priority of the settlement cost dimension of the transfer channel.
According to an embodiment of the present invention, determining the virtual resource transfer scheme comprises: for each transfer channel, excluding resource transfer solutions associated with the transfer channel in the virtual resource transfer solution if at least one of: the information of the transfer channel indicates that the transfer channel is not currently available; the information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user requesting the resource transfer currently; the information of the transfer channel indicates that the maximum transfer number currently supported by the transfer channel is smaller than the transfer number of the current virtual resource transfer.
According to the embodiment of the invention, the initial virtual resource comprises a plurality of categories of virtual resources, wherein the information of the transfer channel of the virtual resource is acquired in real time through a network, and the step of determining the virtual resource transfer scheme comprises the following steps: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource for each category; a resource transfer scheme is determined based on the determined resource transfer costs corresponding to the initial virtual resources for each category.
According to the embodiment of the invention, the initial resource cost corresponding to the initial virtual resource of each category is determined based on the resource exchange rate of the initial virtual resource of each category to the target virtual resource and the number of the target virtual resources; determining a resource transfer cost corresponding to the each category of initial virtual resources based on a settlement cost of the each category of initial virtual resources to a target virtual resource and the determined initial resource cost corresponding to the each category of initial virtual resources; and determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category.
According to an embodiment of the present invention, determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category includes: determining a standardized resource transfer cost corresponding to the initial virtual resource of each category based on a predetermined resource exchange rate of the initial virtual resource of each category to a predefined standard virtual resource and a resource transfer cost corresponding to the initial virtual resource of each category; and determining a resource transfer scheme based on the determined minimum of the standardized resource transfer costs corresponding to the initial virtual resources of each category.
According to an embodiment of the present invention, the determining the virtual resource transfer scheme includes: determining a transfer channel for the transfer and determining an initial virtual resource category for settlement.
According to an embodiment of the present invention, the settlement cost information includes a unit transfer cost of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set or a fixed cost associated with each resource transfer.
An embodiment of the present invention provides a virtual resource transfer apparatus, including: an information reception monitoring module configured to: acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; acquiring information of a transfer channel of the virtual resource; a transfer channel diversion module configured to: determining a virtual resource transfer scheme based on at least one item of information of the initial virtual resource to be transferred, information of the target virtual resource and information of a transfer channel; and an information storage module configured to: and storing the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme is used for virtual resource transfer.
According to an embodiment of the present invention, the information of the transfer channel includes at least one of: the method comprises the following steps of obtaining availability state information of a transfer channel, information on whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel; wherein the resource exchange rate information comprises: resource exchange rate of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set; wherein the settlement cost information includes: the settlement cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources.
According to the embodiment of the invention, the initial virtual resource comprises a plurality of categories of virtual resources, wherein the information of the transfer channel of the virtual resource is acquired in real time through a network, and the step of determining the virtual resource transfer scheme comprises the following steps: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource for each category; determining a resource transfer scheme based on the determined resource transfer costs corresponding to the initial virtual resources of each category; wherein the initial resource cost corresponding to the initial virtual resource of each category is determined based on the resource exchange rate of the initial virtual resource of each category to the target virtual resource and the number of the target virtual resources; determining a resource transfer cost corresponding to the each category of initial virtual resources based on a settlement cost of the each category of initial virtual resources to a target virtual resource and the determined initial resource cost corresponding to the each category of initial virtual resources; and determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category.
According to the embodiment of the present invention, wherein determining the resource transfer scheme based on the determined minimum value of the resource transfer costs corresponding to the initial virtual resources of each category comprises: determining a standardized resource transfer cost corresponding to the initial virtual resource of each category based on a predetermined resource exchange rate of the initial virtual resource of each category to a predefined standard virtual resource and a resource transfer cost corresponding to the initial virtual resource of each category; and determining a resource transfer scheme based on the determined minimum of the standardized resource transfer costs corresponding to the initial virtual resources of each category.
An embodiment of the present invention provides a virtual resource transfer device, including: a receiving unit configured to: acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; acquiring information of a transfer channel of the virtual resource; a processor; a memory having stored thereon computer-executable instructions that, when executed by the processor, implement a virtual resource transfer method in accordance with an embodiment of the present invention.
Embodiments of the present invention provide a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement a virtual resource transfer method according to embodiments of the present invention.
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In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly introduced below. The drawings described below are for illustrative embodiments of the invention.
Fig. 1 is a schematic diagram illustrating a cross-border remittance application scenario of a virtual resource transfer system according to an embodiment of the present invention.
Fig. 2 is a schematic diagram illustrating a virtual resource transfer method according to an embodiment of the present invention.
Fig. 3 is a schematic flow chart illustrating a multidimensional transfer channel splitting process of the resource transfer system according to the embodiment of the present invention.
FIG. 4 is a schematic flow chart diagram illustrating a process for determining a resource transfer scheme based on resource exchange rate and settlement cost in accordance with an embodiment of the present invention.
Fig. 5A, 5B and 5C are diagrams illustrating a user operation interface corresponding to the virtual resource transfer method illustrated in fig. 2 according to an embodiment of the present invention.
Fig. 6 is a schematic diagram illustrating a multi-dimensional transfer channel splitting system corresponding to the multi-dimensional transfer channel splitting process illustrated in fig. 3.
Fig. 7 is a schematic diagram illustrating a virtual resource transfer apparatus according to an embodiment of the present invention.
Fig. 8 is a schematic diagram illustrating a virtual resource transfer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, exemplary embodiments according to the present invention will be described in detail below with reference to the accompanying drawings. It is to be understood that the described embodiments are merely a subset of embodiments of the invention and not all embodiments of the invention, with the understanding that the invention is not limited to the example embodiments described herein.
In the present specification and the drawings, substantially the same or similar steps and elements are denoted by the same or similar reference numerals, and repeated descriptions of the steps and elements will be omitted. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance or order.
For the purpose of describing the present invention, concepts related to the present invention are described below.
Cross-border remittance: the method is carried out from one country or region to another country or region, accords with the financial regulation and quota rules of the country or region, and is oriented to the financial foreign exchange business of individuals or enterprises; money transfers may be supported in the same or different currencies as the recipient ring.
The transferor: the holder of the funds, including the individual or organization, is the originator of the money transfer process.
The payee: the recipient of the funds, including the individual or organization, is the end of the money transfer process.
Channel transfer: internal and external collaborators or merchants providing cross-border remittance services.
Transfer protocol: the settlement method of a transaction includes but is not limited to: settlement currency, channel transfer, transaction period, etc.
Fig. 1 is a schematic diagram illustrating a cross-border remittance application scenario 100 of a virtual resource transfer system according to an embodiment of the present invention.
In the application scenario 100, a transferor 101 desires to transfer a particular amount of money to a receiving account of a transferee 102. Transferor 101 and transferee 102 may be individuals or may be specific entities.
In the embodiment shown in fig. 1, the remittance account of the transferor 101 may support multiple categories of settlement currencies, such as dollars, port currencies, and the like; the collection account of the recipient 102 may also support multiple categories of collection currencies, such as philippine biso, indonesian lubi, and the like. According to embodiments of the invention, the money transfer account of the transferor 101 or the money receiving account of the transferee 102 may also support any other type of currency, including universal currency, virtual currency, etc. issued by various country regions.
In the embodiment shown in fig. 1, the transferor 101 may transfer money to the transferee through a plurality of transfer channels (e.g., a first transfer channel, a second transfer channel, …, an nth transfer channel as shown in fig. 1). According to embodiments of the present invention, the transfer channel may include various banks, various payment merchants, and any other internal or external partner or merchant capable of providing remittance services.
In the embodiment shown in fig. 1, first, the transferor 101 and the transferee 102 may agree in advance on the amount and the kind of money to be received. In another embodiment of the invention, the system may also recommend the optimal payee currency based on the payee's current location, e.g., the system may automatically recommend the philippine pesos as the payee currency if the system detects that the payee 102 is currently within a philippine. Then, the virtual resource transfer system provided by the embodiment of the invention can automatically determine the optimal transfer channel and settlement currency suitable for the current remittance in the background based on the information such as the real-time remittance rate and the settlement cost among various currencies provided by each transfer channel, and the user does not feel in the whole determination process. Finally, the remittance of transferor 101 to transferee 102 may be completed based on the determined optimal transfer channel and settlement currency.
FIG. 2 is a diagram illustrating a virtual resource transfer method 200 according to an embodiment of the invention.
In embodiments of the present invention, the virtual resource transfer method 200 may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In step S201, information of the initial virtual resource to be transferred is obtained, which includes a resource category of the initial virtual resource.
In an embodiment of the present invention, the initial virtual resource to be transferred may be money resources of various categories on the money transfer account of the transferor 101, which categories may include one or more of universal money and virtual money issued by various country regions, and the like. For example, in one embodiment, the resource category of the initial virtual resource may be dollar, port currency, which may be expressed as: the initial currency set a ═ gold, port currency }. According to an embodiment of the present invention, the information of the initial virtual resource to be transferred may further include resource amount information corresponding to various types of money resources on the remittance account of the remittance party 101, for example, 10000 dollars and 5000 port coins are on the remittance account of the current remittance party 101.
In step 201, the information of the initial virtual resource may be acquired based on real-time input by the user, may be acquired from a memory in which the information is stored in advance, or may be acquired in real time from an associated bank or institution of the user account via a network.
In step S202, information of the transferred target virtual resource is obtained, which includes the resource category of the target virtual resource.
In accordance with embodiments of the invention, the transferred target virtual resource may be one or more of the various categories of monetary resources supported by the recipient account of the recipient 102. For example, in one embodiment, the collection account of payee 102 may support philippino and indonesian luby, which may be expressed as: target currency set B ═ philippino, indonesia rubi }. One or more resource categories may be determined from the target currency set B as resource categories for the transferred target virtual resource. The resource category of the target virtual resource may be predetermined by the transferor 101 and the transferee 102, or may be selected by the transferor 101 according to the current location of the transferee. For example, when payee 102 is currently within a philippine, a philippine bitoque may be determined as the resource category of the target virtual resource. In one embodiment, the information of the transferred target virtual resource may further include resource amount information corresponding to the transferred target virtual resource, for example, the transferor 101 desires to remit 20000 philippino to the transferee 102. The information for the target virtual resource may be obtained based on real-time input from the user or may be obtained from system-accessible memory in which such information is pre-stored.
In step S203, information of the transfer channel of the virtual resource is periodically or triggerably acquired in real time through the network.
According to embodiments of the invention, the transfer channel may include one or more of various banks, various payment merchants, and any other internal or external partner organization or merchant capable of providing remittance services. For example, the transfer channels may include a transfer channel C1 and a transfer channel C2. Taking the transfer channel C1 as an example, in one embodiment, the information of the transfer channel C1 may include at least one of the following information of the transfer channel C1: availability status information of the transfer channel C1, information on whether the transfer channel C1 accepts the resource transfer request of the current user, maximum transfer number information currently supported by the transfer channel C1, resource exchange rate information of the transfer channel C1, settlement cost information of the transfer channel C1, and the like.
In one embodiment, the availability status information of the transfer channel C1 may include information indicating whether the transfer channel C1 is currently available. In one embodiment, the information of whether the transfer channel C1 accepts the resource transfer request of the current user may include information indicating whether the transfer channel C1 will accept the current resource transfer request. For example, the information may include a list of risky users of the transfer channel C1. For example, when the transferor 101 or transferee 102 is present in the risk user list of the transfer channel C1, it may indicate that the transfer channel C1 will not accept the resource transfer request. In one embodiment, the maximum number of transfers currently supported by the transfer channel C1 may include information indicating the maximum amount of transactions that the transfer channel C1 may currently carry.
In one embodiment, the resource exchange rate information of the transfer channel C1 may include the resource exchange rate of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources provided by the transfer channel C1. For example, according to an embodiment of the present invention, the first set of resources may be an initial currency set a ═ { memantin, hong kong }, as described above, and the second set of resources may be a target currency set B ═ philippino, indonesia lubi }, as described above. In one embodiment, the currency included in the initial and target currency sets A and A may be pre-agreed upon by the transferor and transferee and may be updated periodically or triggered. In this embodiment, the resource exchange rate information of the transfer channel C1 may include the following four real-time exchange rates provided by the transfer channel C1: memantin to philippine biso, memantin to indonesian luby, hong kong to philippine biso, and hong kong to indonesian luby. It will be appreciated by those skilled in the art that the real-time exchange rates between the same currencies provided by different transfer channels may be the same or different.
In one embodiment, the settlement cost information of the transfer channel C1 may include settlement costs of virtual resources of each category in the first set of resources to virtual resources of each category in the second set of resources provided by the transfer channel C1. According to an embodiment of the present invention, the settlement cost information may include a unit transfer cost of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set and/or a fixed cost associated with each resource transfer. For example, also taking the first resource set as the initial currency set a ═ memantin, hong kong currency } and the second resource set as the target currency set B ═ philippino, indonesia lunbi } as an example, the settlement cost information of the transfer channel C1 may include a unit transfer cost of memantin to philippino (e.g., a transfer cost of 0.02 memantin per 1 memantin transferred) and/or a fixed cost (e.g., a fixed cost of 2 memantin per transfer), a unit transfer cost of memantin to indonesia lun and/or a fixed cost, a unit transfer cost of hong kon to philippino and/or a fixed cost, and a unit transfer cost of hong kon to indonesia lun and/or a fixed cost, provided by the transfer channel C1. In one embodiment, taking the transfer of Mediterrant to Philippine pesos as an example, the settlement cost can be calculated by the following formula: the settlement cost is the number of dollars to be transferred plus the fixed cost per unit transfer cost x. Likewise, settlement cost information between the same currencies provided by different transfer channels may be the same or different.
According to the embodiment of the invention, the information of each transfer channel can be acquired and updated periodically or triggered in real time based on user input and the like.
In step S204, a virtual resource transfer scheme is determined based on at least one of information of the initial virtual resource to be transferred, information of the target virtual resource, and information of the transfer channel.
And in step S205, virtual resource transfer is performed according to the determined virtual resource transfer scheme.
According to an embodiment of the present invention, a virtual resource transfer scheme may be determined in at least one dimension. In an embodiment of the invention, the at least one dimension may comprise at least one of: the method comprises the steps of determining the availability state dimension of a transfer channel, the dimension of whether the transfer channel accepts a resource transfer request of a current user, the maximum transfer quantity dimension currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel.
Specifically, in the embodiment of the present invention, determining the virtual resource transfer scheme may include: for each transfer channel, excluding resource transfer solutions associated with the transfer channel in the virtual resource transfer solution if at least one of: the information of the transfer channel indicates that the transfer channel is not currently available; the information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user requesting the resource transfer currently; or the information of the transfer channel indicates that the maximum transfer number currently supported by the transfer channel is less than the transfer number of the current virtual resource transfer, and the like. For example, if the information on the transfer channel C2 acquired in step S203 indicates that the maximum number of transfers that the transfer channel C2 can currently carry is less than the number of virtual resources that the transfer is currently desired to transfer, the resource transfer scheme associated with the transfer channel C2 may be excluded, i.e., the transfer channel C2 is excluded from the available set of transfer channels. According to embodiments of the invention, the virtual resource transfer scheme may also be determined based on any other predetermined criteria or in any other dimension. For example, whether to exclude a resource transfer scheme associated with a transfer channel may be determined based on whether the average time required for the transfer channel to complete each resource transfer is less than a predetermined threshold.
In the embodiment of the present invention, the determination of various dimensions may be prioritized according to a certain dimension priority, for example, the dimension priority of the availability status dimension of the transfer channel may be higher than the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user; the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user can be higher than the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel; the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel can be higher than the dimension priority of the resource exchange rate dimension of the transfer channel; the dimension priority of the resource exchange rate dimension of the transfer channel may be equal to the dimension priority of the settlement cost dimension of the transfer channel. This is described in more detail below in connection with the embodiment of fig. 3.
FIG. 3 is a schematic flow diagram illustrating a multi-dimensional transfer channel splitting process 300 of a resource transfer system according to an embodiment of the invention.
In an embodiment of the present invention, the multi-dimensional transfer channel splitting process 300 may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In the embodiment shown in FIG. 3, first, in block S301, a resource transfer may be initiated based on user input. In block S302, the system may read information for each transfer channel. The information of the transfer channel may be acquired or updated periodically or triggered based on user input in block S308. Next, the available transfer channels may be filtered in order of the dimension priority. For example, in the dimension priority order, the following are in order: under the conditions of the availability status dimension of the transfer channel, the dimension of whether the transfer channel accepts the resource transfer request of the current user, the maximum transfer number dimension currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel, and the settlement cost dimension of the transfer channel, the current availability status of each transfer channel may be first determined in block S303. If the current availability status of a transfer channel is detected as unavailable, the transfer channel may be excluded from the set of available transfer channels. Based on the dimension priority order, it may then be determined at block S304 whether the transfer channel accepts a resource transfer request from the current user. For example, when a transferor or is detected to be present in a list of risky users for a transfer channel, then the transfer channel may be excluded from the set of available transfer channels. Next, the determination of the maximum transfer number dimension currently supported by the transfer channel may continue in block S305. For example, if the maximum number of transfers currently bearable by a transfer channel is less than the number of virtual resources currently desired to be transferred, the transfer channel may be excluded from the set of available transfer channels. In one embodiment, if all transfer channels are not available after the above-described screening and filtering, the system may refuse the resource transfer.
After preliminary screening and filtering of available transfer channels in blocks S303, S304, and S305, the determination of the virtual resource transfer scheme may then be further performed in blocks S306 and S307 based on the resource exchange rate dimension of the transfer channels and the settlement cost dimension of the transfer channels, as further described below in conjunction with fig. 4.
FIG. 4 is a schematic flow chart diagram illustrating a process 400 for determining a resource transfer scheme based on resource exchange rate and settlement cost in accordance with an embodiment of the present invention.
In embodiments of the present invention, the process 400 of determining a resource transfer scheme based on resource exchange rate and settlement cost may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In the embodiment shown in FIG. 4, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel may be considered together as the same priority. According to the embodiment of the invention, the initial virtual resource can comprise a plurality of categories of virtual resources, and the information of the transfer channel of the virtual resource can be acquired in real time periodically or triggered by the network. According to an embodiment of the present invention, determining the virtual resource transfer scheme may include: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource for each category; and determining a resource transfer scheme based on the determined resource transfer costs corresponding to the initial virtual resources of each category.
Specifically, fig. 4 shows an example of two transfer channels (transfer channel C1 and transfer channel C2), and in other embodiments of the present invention, any number of transfer channels may be included. According to the embodiment of the invention, the initial resource cost corresponding to the initial virtual resource of each category can be determined based on the resource exchange rate of the initial virtual resource of each category to the target virtual resource and the number of the target virtual resources. For example, if the resource category a is dollars, the target virtual resource category is philippinary pesos and the number is 20000 pesos, and the current exchange rate of dollars to philippinary pesos provided by the transfer channel C1 is 1:50, then in the transfer channel C1, the initial resource cost corresponding to dollars may be calculated as: 20000/50-400 dollars.
According to the embodiment of the present invention, the resource transfer cost corresponding to the initial virtual resource of each category may also be determined based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category. In the embodiment of the present invention, the settlement cost may be directly obtained periodically or triggered in block S308, or may be further calculated based on the unit transfer cost or the fixed cost information related to the resource of the corresponding category obtained in block S308. For example, also taking the above example where the transfer of 20000 philippinarum is desired, if the unit transfer cost of memos to philippinarum provided by the transfer channel C1 is a transfer cost of 0.02 memos per 1 memos transferred out, and a fixed cost of 2 memos per transfer is required, then in the transfer channel C1, the settlement cost corresponding to the memos can be calculated as: 400 x 0.02+2 is 10 dollars. In one embodiment, the sum of the initial resource cost and the settlement cost may be taken as the resource transfer cost corresponding to the category of initial virtual resources. For example, in the above embodiment, the resource transfer cost corresponding to the dollar provided by the transfer channel C1 is: 400+ 10-410 dollars. It should be understood that the present embodiment is intended to be illustrative and not restrictive, and that in other embodiments of the present invention, other types of costs associated with resource transfers may also be included, and settlement costs may also be calculated by any other calculation formula or rule.
According to the embodiment of the present invention, the resource transfer scheme may be further determined based on the minimum value of the determined resource transfer costs corresponding to the initial virtual resources of each category.
Specifically, first, the standardized resource transfer cost corresponding to the initial virtual resource of each category may be determined based on a predetermined resource exchange rate of the initial virtual resource of each category to a standard virtual resource defined in advance and a resource transfer cost corresponding to the initial virtual resource of each category. For example, in the above embodiment, the resource category a is gold, the resource category b is hong Kong coin, the system background may determine the currency type Y as a standard virtual resource in advance, then may convert the resource transfer cost corresponding to gold and the resource transfer cost corresponding to hong Kong coin into the standardized resource transfer cost under the same currency type Y respectively based on the predetermined exchange rate of gold to currency type Y and the predetermined exchange rate of hong Kong coin to currency type Y provided by the system background, respectively, and then may compare the size of the standardized resource transfer cost corresponding to the initial virtual resource of each category in block S401 or S402, and determine the resource category with the smallest standardized resource transfer cost (i.e., the smallest resource transfer cost) under the corresponding transfer channel (transfer channel C1 or transfer channel C2). It should be understood that the predetermined exchange rate between currencies provided by the system back office may be the same as or different from the actual real-time exchange rate between currencies. In one embodiment, the predetermined exchange rate is determined based on factors such as an actual real-time exchange rate for the respective currency and a processing cost required by the system to process the transfer of the respective currency.
After the resource category with the minimum cost in a specific transfer channel is obtained, the resource transfer costs of the same or different resource categories in different transfer channels may be further compared in block S403, for example, the minimum standardized resource transfer costs in each transfer channel may be further compared, and finally the transfer scheme of the resource transfer may be determined in block S307, for example, the transfer channel and the resource category corresponding to the minimum standardized resource transfer costs obtained by comparison in S403 may be determined as the transfer channel of the resource transfer and the initial virtual resource category for settlement, respectively.
Fig. 5A, 5B and 5C are schematic diagrams illustrating a user operation interface corresponding to the virtual resource transfer method 200 illustrated in fig. 2 according to an embodiment of the present invention.
In a cross-border money transfer scenario, according to an embodiment of the invention, in a first step, as shown in fig. 5A, a user enters an application interface of a resource transfer system according to an embodiment of the invention to select a money transfer country or region (i.e., determine a target resource category). Second, as shown in FIG. 5B, the user may enter the money transfer amount and click on the "next" to perform the money transfer operation. Third, the user completes the money transfer operation. As shown in FIG. 5C, after the user completes the money transfer operation, the system may automatically pop up various information related to the current money transfer, such as the withdrawal code, recipient information, relationship, and amount of money transferred. The virtual resource transfer system provided by the embodiment of the invention can automatically determine the optimal transfer channel and the settlement currency suitable for the current remittance at the background based on the information such as the real-time remittance rate and the settlement cost among various currencies provided by each transfer channel, and the user does not feel in the whole determination process.
Fig. 6 is a schematic diagram illustrating a multi-dimensional transfer channel diversion system 600 corresponding to the multi-dimensional transfer channel diversion process 300 illustrated in fig. 3.
As shown in fig. 6, the multidimensional transfer channel diversion system 600 according to the embodiment of the present invention may include: a transfer channel information reception monitoring unit 601, a transfer channel branching unit 602, and a transfer channel information storage unit 603.
In the multi-dimensional transfer channel distribution system 600, the transfer channel information receiving monitoring unit 601 may be configured to acquire and periodically or triggerably update information related to each transfer channel. The transfer channel splitting unit 602 may be configured to determine the virtual resource transfer scheme according to the flow shown in fig. 3 and 4 based on at least one of the information of the initial virtual resource to be transferred, the information of the target virtual resource, and the information of the transfer channel. The transfer channel information storage unit 603 may be configured to store the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme may be extracted for virtual resource transfer.
Fig. 7 is a schematic diagram illustrating a virtual resource transfer apparatus 700 according to an embodiment of the present invention.
As shown in fig. 7, a virtual resource transfer apparatus 700 according to an embodiment of the present invention may include: an information receiving and monitoring module 701, a transfer channel distribution module 702 and an information storage module 703.
The information receiving monitoring module 701 may be configured to obtain information of an initial virtual resource to be transferred, where the information includes a resource type of the initial virtual resource; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; and obtaining the information of the transfer channel of the virtual resource. In one embodiment, the information reception monitoring module 701 may include a transfer channel information reception monitoring unit 601 as shown in fig. 6 and a user information reception monitoring unit (not shown) for acquiring information of the initial virtual resource and information of the target virtual resource.
The transfer channel splitting module 702 may be configured to determine the virtual resource transfer scheme based on at least one of information of the initial virtual resource to be transferred, information of the target virtual resource, and information of the transfer channel, and according to the flow shown in fig. 3 and 4.
The information storage module 703 may be configured to store the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme may be extracted for virtual resource transfer. In one embodiment, the information storage module 703 may include a transfer channel information storage unit 603 as shown in fig. 6 and a storage unit (not shown) for storing other data or information.
Fig. 8 is a schematic diagram illustrating a virtual resource transfer apparatus 800 according to an embodiment of the present invention.
As shown in fig. 8, a virtual resource transfer apparatus 800 according to an embodiment of the present invention may include: a receiving unit 801, a processor 802 and a memory 803. Which may be interconnected by a bus 804.
The receiving unit 801 may be any information receiving unit capable of receiving information in various forms. The method can be used for acquiring information of the initial virtual resource to be transferred, wherein the information comprises the resource type of the initial virtual resource; acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; and obtaining the information of the transfer channel of the virtual resource.
The processor 802 may perform various actions and processes according to programs or codes stored in the memory 803. In particular, the processor 802 may be an integrated circuit chip having signal processing capabilities. The processor may be a 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. Various methods, steps, flows, and logic blocks disclosed in embodiments of the invention may be implemented or performed. The general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, which may be the X86 architecture or the ARM architecture or the like.
The memory 803 stores executable instruction code which, when executed by the processor 802, is used to implement a resource transfer method according to an embodiment of the present invention. The memory 803 may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory can be Random Access Memory (RAM), which acts as external cache memory. By way of example and not limitation, many forms of RAM are available, such as Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Synchronous Dynamic Random Access Memory (SDRAM), Double Data Rate Synchronous Dynamic Random Access Memory (DDRSDRAM), Enhanced Synchronous Dynamic Random Access Memory (ESDRAM), Synchronous Link Dynamic Random Access Memory (SLDRAM), and direct memory bus random access memory (DR RAM). It should be noted that the memories of the methods described herein are intended to comprise, without being limited to, these and any other suitable types of memory.
The invention also provides a computer-readable storage medium, on which computer-executable instructions are stored, and when the computer instructions are executed by a processor, the virtual resource transfer method and the multidimensional transfer channel diversion process according to the embodiment of the invention are realized. Similarly, computer-readable storage media in embodiments of the invention may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. It should be noted that the memories of the methods described herein are intended to comprise, without being limited to, these and any other suitable types of memory.
The embodiment of the invention provides a virtual resource transfer method, a device and equipment, which can automatically distribute transfer channels according to the current remittance rate and the transfer cost when remittance occurs and directly determine the settlement currency of the remittance on the premise that the transfer destination amount is not changed, thereby ensuring that the cost is saved to the maximum extent, namely, the maximum business income is obtained. In addition, the distribution process of the transfer channel and the distribution process of the settlement currency are not perceived at the user side, namely, the maximum business benefit is obtained on the premise of ensuring the same good perception of the user.
It is to be noted that the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises at least one executable instruction for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In general, the various exemplary embodiments of this invention may be implemented in hardware or special purpose circuits, software, firmware, logic or any combination thereof. Certain aspects may be implemented in hardware, while other aspects may be implemented in firmware or software which may be executed by a controller, microprocessor or other computing device. While various aspects of the embodiments of the invention may be illustrated and described as block diagrams, flow charts, or using some other pictorial representation, it is well understood that the blocks, apparatus, systems, techniques or methods described herein may be implemented in, as non-limiting examples, hardware, software, firmware, special purpose circuits or logic, general purpose hardware or controller or other computing devices, or some combination thereof.
The exemplary embodiments of the invention, as set forth in detail above, are intended to be illustrative, not limiting. It will be appreciated by those skilled in the art that various modifications and combinations of the embodiments or features thereof may be made without departing from the principles and spirit of the invention, and that such modifications are intended to be within the scope of the invention.
Claims (15)
1. A virtual resource transfer method, comprising:
acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources;
acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource;
acquiring information of a transfer channel of the virtual resource;
determining a virtual resource transfer scheme based on at least one item of information of the initial virtual resource to be transferred, information of the target virtual resource and information of a transfer channel; and
and carrying out virtual resource transfer according to the determined virtual resource transfer scheme.
2. The virtual resource transfer method of claim 1 wherein the information of the transfer channel comprises at least one of:
the method comprises the following steps of obtaining availability state information of a transfer channel, information on whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel;
wherein the resource exchange rate information comprises: resource exchange rate of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set;
wherein the settlement cost information includes: the settlement cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources.
3. The virtual resource transfer method of claim 1, wherein the determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel comprises:
a virtual resource transfer scheme is determined in accordance with at least one dimension,
wherein the at least one dimension comprises at least one of:
the method comprises the following steps that the usability state dimension of a transfer channel, the dimension of whether the transfer channel accepts a resource transfer request of a current user, the maximum transfer quantity dimension currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel are determined;
wherein the content of the first and second substances,
the dimension priority of the availability state dimension of the transfer channel is higher than the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user or not;
whether the dimension priority of the dimension of the resource transfer request of the current user is accepted by the transfer channel is higher than the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel;
the dimension priority of the maximum transfer quantity dimension currently supported by the transfer channel is higher than the dimension priority of the resource exchange rate dimension of the transfer channel;
the dimension priority of the resource exchange rate dimension of the transfer channel is equal to the dimension priority of the settlement cost dimension of the transfer channel.
4. The virtual resource transfer method of claim 1 wherein determining the virtual resource transfer scheme comprises:
for each transfer channel, excluding resource transfer solutions associated with the transfer channel in the virtual resource transfer solution if at least one of:
the information of the transfer channel indicates that the transfer channel is not currently available;
the information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user requesting the resource transfer currently;
the information of the transfer channel indicates that the maximum transfer number currently supported by the transfer channel is smaller than the transfer number of the current virtual resource transfer.
5. The virtual resource transfer method of claim 1, wherein the initial virtual resource includes a plurality of categories of virtual resources, wherein information of a transfer channel of the virtual resource is acquired in real time through a network, wherein determining the virtual resource transfer scheme includes:
for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource for each category;
a resource transfer scheme is determined based on the determined resource transfer costs corresponding to the initial virtual resources for each category.
6. The virtual resource transfer method of claim 5,
determining an initial resource cost corresponding to the initial virtual resource of each category based on a resource exchange rate of the initial virtual resource of each category to a target virtual resource and a target virtual resource quantity;
determining a resource transfer cost corresponding to the each category of initial virtual resources based on a settlement cost of the each category of initial virtual resources to a target virtual resource and the determined initial resource cost corresponding to the each category of initial virtual resources; and the number of the first and second groups,
determining a resource transfer scheme based on a minimum of the determined resource transfer costs corresponding to the initial virtual resources of each category.
7. The virtual resource transfer method of claim 6 wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category comprises:
determining a standardized resource transfer cost corresponding to the initial virtual resource of each category based on a predetermined resource exchange rate of the initial virtual resource of each category to a predefined standard virtual resource and a resource transfer cost corresponding to the initial virtual resource of each category; and
determining a resource transfer scheme based on the determined minimum of the standardized resource transfer costs corresponding to the each category of initial virtual resources.
8. The virtual resource transfer method of claim 1 wherein said determining a virtual resource transfer scheme comprises: determining a transfer channel for the transfer and determining an initial virtual resource category for settlement.
9. The virtual resource transfer method of claim 2 wherein the settlement cost information comprises a unit transfer cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources or a fixed cost associated with each resource transfer.
10. A virtual resource transfer apparatus, comprising:
an information reception monitoring module configured to:
acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources;
acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; and
acquiring information of a transfer channel of the virtual resource;
a transfer channel diversion module configured to:
determining a virtual resource transfer scheme based on at least one item of information of the initial virtual resource to be transferred, information of the target virtual resource and information of a transfer channel; and
an information storage module configured to:
storing the determined virtual resource transfer scheme,
wherein the determined virtual resource transfer scheme is used for virtual resource transfer.
11. The virtual resource transfer apparatus of claim 10 wherein the information of the transfer channel comprises at least one of:
the method comprises the following steps of obtaining availability state information of a transfer channel, information on whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel;
wherein the resource exchange rate information comprises: resource exchange rate of each category of virtual resources in the first resource set to each category of virtual resources in the second resource set;
wherein the settlement cost information includes: the settlement cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources.
12. The virtual resource transfer apparatus of claim 10, wherein the initial virtual resource comprises a plurality of categories of virtual resources, wherein information of a transfer channel of the virtual resource is acquired in real time through a network, wherein determining the virtual resource transfer scheme comprises:
for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource for each category;
determining a resource transfer scheme based on the determined resource transfer costs corresponding to the initial virtual resources of each category; wherein the content of the first and second substances,
determining an initial resource cost corresponding to the initial virtual resource of each category based on a resource exchange rate of the initial virtual resource of each category to a target virtual resource and a target virtual resource quantity;
determining a resource transfer cost corresponding to the each category of initial virtual resources based on a settlement cost of the each category of initial virtual resources to a target virtual resource and the determined initial resource cost corresponding to the each category of initial virtual resources; and the number of the first and second groups,
determining a resource transfer scheme based on a minimum of the determined resource transfer costs corresponding to the initial virtual resources of each category.
13. The virtual resource transfer apparatus of claim 12, wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the each category of initial virtual resources comprises:
determining a standardized resource transfer cost corresponding to the initial virtual resource of each category based on a predetermined resource exchange rate of the initial virtual resource of each category to a predefined standard virtual resource and a resource transfer cost corresponding to the initial virtual resource of each category; and
determining a resource transfer scheme based on the determined minimum of the standardized resource transfer costs corresponding to the each category of initial virtual resources.
14. A virtual resource transfer apparatus comprising:
a receiving unit configured to:
acquiring information of initial virtual resources to be transferred, wherein the information comprises the resource types of the initial virtual resources;
acquiring information of the transferred target virtual resource, wherein the information comprises the resource type of the target virtual resource; and
acquiring information of a transfer channel of the virtual resource;
a processor;
a memory having stored thereon computer-executable instructions that, when executed by a processor, implement the method of any one of claims 1-9.
15. A computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement the method of any one of claims 1-9.
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