CN112288419A

CN112288419A - Protocol determination method, device and system and electronic equipment

Info

Publication number: CN112288419A
Application number: CN202011190722.XA
Authority: CN
Inventors: 陈璐璐; 霍嘉; 阮姗
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-10-30
Filing date: 2020-10-30
Publication date: 2021-01-29
Anticipated expiration: 2040-10-30
Also published as: CN112288419B

Abstract

The present disclosure provides a protocol determination method, device, system and electronic device, which may be used in the field of cloud computing or other fields, and the protocol determination method includes: acquiring a resource transfer request initiated based on a medium, wherein the resource transfer request comprises resource transfer-in object identification information, and the medium carries resource transfer-out object identity information; in response to the resource transfer request, determining a product protocol based on the resource transfer-out object identity information and a first mapping relation, the first mapping relation being a relation between the resource transfer-out object identification information and the product protocol, the product protocol comprising at least one sub-protocol; if a second mapping relation exists between at least part of at least one subprotocol and the resource transfer-in object identification information, determining a recommended subprotocol from at least part of subprotocols based on the second mapping relation and the resource transfer-in object identification information, wherein the recommended subprotocol enables a resource transfer path to be optimal; and outputting the association information of the recommended subprotocol.

Description

Protocol determination method, device and system and electronic equipment

Technical Field

The present disclosure relates to the field of cloud computing technologies, and in particular, to a method, an apparatus, a system, and an electronic device for determining a protocol.

Background

With the continuous development of digital banks, the role of online resource transfer function in the work and life of users becomes more and more important.

In the related art, products issued by an organization (e.g. a bank) are often bound with a medium, for example, when a user holds a joint card issued by the bank and a certain partner jointly, the user can only enjoy product services corresponding to the card. The bank will cooperate with more enterprises in an attempt to provide more abundant product services to customers.

In carrying out the presently disclosed concept, the inventors have found that there are at least the following problems in the related art. Customers have to handle a joint name card for enjoying each service preference, which results in a large number of media (such as joint name cards) and inconvenience for the users to carry. In addition, in the process of payment by using the medium, the user needs to accurately select the medium matched with the current scene from a plurality of subsequent scenes, which brings inconvenience to the user.

Disclosure of Invention

In view of this, the present disclosure provides a protocol determining method, apparatus, system and electronic device for improving user resource transfer convenience.

One aspect of the present disclosure provides a protocol determination method performed by a server, including: acquiring a resource transfer request initiated based on a medium, wherein the resource transfer request comprises resource transfer-in object identification information, and the medium carries resource transfer-out object identity information; in response to the resource transfer request, determining a product protocol based on the resource transfer-out object identity information and a first mapping relation, the first mapping relation being a relation between the resource transfer-out object identification information and the product protocol, the product protocol comprising at least one sub-protocol; if a second mapping relation exists between at least part of at least one subprotocol and the resource transfer-in object identification information, determining a recommended subprotocol from at least part of subprotocols based on the second mapping relation and the resource transfer-in object identification information, wherein the recommended subprotocol enables a resource transfer path to be optimal; and outputting the association information of the recommended subprotocol.

One aspect of the present disclosure provides a business architecture, comprising: media service objects, customer service objects, and product agreement service objects. The media business object stores all media for identifying the client, such as identity documents, bank-provided cards, client-reserved biometrics and other unique characteristic values that can be electronically and identify the client. The customer business object mainly stores relevant information of the customer. The product agreement business object mainly stores the product agreement signed by the bank and the client, and the product agreement comprises each item of specific service content which can provide service for the client.

One aspect of the present disclosure provides a protocol determining apparatus in a server side, including: the system comprises a request receiving module, a resource transferring module and a product protocol generating module, wherein the request receiving module is used for acquiring a resource transferring request initiated based on a medium, the resource transferring request comprises resource transferring-in object identification information, the medium bears resource transferring-out object identity information, and a first mapping relation exists between the resource transferring-out object identification information and the product protocol; the product protocol determining module is used for responding to the resource transfer request, determining a product protocol based on the identity information of the resource transfer-out object and the first mapping relation, wherein the product protocol comprises at least one sub protocol; a recommended subprotocol determining module, configured to determine a recommended subprotocol from at least some subprotocols based on a second mapping relationship and the resource transfer-in object identification information if the second mapping relationship exists between at least some subprotocols and the resource transfer-in object identification information, where the recommended subprotocol optimizes a resource transfer route; and the associated information output module is used for outputting the associated information of the recommended subprotocol.

One aspect of the present disclosure provides a protocol determination system, which includes a client and a server communicatively connected to each other, where the client is a resource transfer-in-object client. The client responds to user operation based on the medium, generates a resource transfer request and sends the resource transfer request to the server, wherein the resource transfer request comprises resource transfer-in object identification information, and the medium bears resource transfer-out object identity information; the server side responds to the resource transfer request, and determines a product protocol based on the resource transfer-out object identity information and a first mapping relation, wherein the first mapping relation is the relation between the resource transfer-out object identification information and the product protocol, and the product protocol comprises at least one sub protocol; the server side is further used for determining a recommended subprotocol from at least part of the subprotocols based on the second mapping relation and the resource transfer-in object identification information if the second mapping relation exists between at least part of the subprotocols and the resource transfer-in object identification information, and the recommended subprotocol enables the resource transfer path to be optimal; and the server side outputs the associated information of the recommended subprotocol, or transfers the resource of the resource transfer-out object to the resource transfer-in object based on the recommended subprotocol.

Another aspect of the present disclosure provides an electronic device comprising one or more processors and a storage for storing executable instructions that, when executed by the processors, implement the method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of the disclosure provides a computer program comprising computer executable instructions for implementing the method as described above when executed.

According to the protocol determining method, the device, the system and the electronic equipment provided by the embodiment of the disclosure, after the resource transfer request is received, all product protocols signed by the resource transfer-out object are searched, whether the product protocol related to the resource transfer-in object exists or not is searched in the protocols, and if the product protocol related to the resource transfer-in object exists, the recommended sub-protocol adapted to the scene is found out from the related product protocols, so that the optimal resource transfer path is determined conveniently, and the user experience is improved.

According to the protocol determining method, the device and the system and the electronic equipment provided by the embodiment of the disclosure, the medium only has corresponding special information and does not contain associated information among clients, accounts, products and the like. And after the data analyzed by the server side is compared with the data in the database, corresponding client information is found, then the agreements of all product services provided for the client are found, and the corresponding account is further determined so as to perform corresponding financial processing.

According to the protocol determining method, the device and the system and the electronic equipment provided by the embodiment of the disclosure, the product is separated from the medium, so that a client can conveniently select more appropriate and more favorable product service according to needs, a large number of physical media do not need to be carried about to deal with possible use scenes, and the client has higher safety while enjoying the service. On the other hand, the medium only embodies special data related to the customer, and does not have related data such as bank accounts, and the like, so that the medium is safer for the customer.

According to the protocol determining method, the device, the system and the electronic equipment provided by the embodiment of the disclosure, when the biological characteristics of a client change, the identity authentication information reserved in the bank data set can be updated only by using one medium for identity authentication. When a new medium can be formed by applying the new technology, the system does not need to be greatly modified, only information acquisition is completed, and corresponding information is added in a medium service object library, so that the flexibility of the system is improved, and new requirements of customers are met.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario of a protocol determination method, apparatus, system and electronic device according to an embodiment of the present disclosure;

fig. 2 schematically illustrates an exemplary system architecture to which a protocol determination method, a protocol determination apparatus, according to an embodiment of the present disclosure may be applied;

FIG. 3 is a schematic diagram showing the relationship between media, product agreements and accounts in the prior art;

FIG. 4 schematically illustrates a flow chart of a protocol determination method according to an embodiment of the present disclosure;

FIG. 5 schematically shows a relationship diagram between media, product agreements and accounts according to an embodiment of the disclosure;

FIG. 6 schematically illustrates a decoupling process schematic according to an embodiment of the disclosure;

FIG. 7 schematically illustrates a schematic diagram of a business object according to an embodiment of the disclosure;

FIG. 8 schematically illustrates a flow chart of a protocol determination method according to another embodiment of the present disclosure;

fig. 9 schematically illustrates a block diagram of a protocol determination apparatus according to an embodiment of the present disclosure;

FIG. 10 schematically illustrates a block diagram of a protocol determination system according to an embodiment of the present disclosure;

FIG. 11 schematically illustrates a logic diagram for a protocol determination system according to an embodiment of the present disclosure; and

FIG. 12 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). The terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include one or more features.

The embodiment of the disclosure provides a protocol determination method, a device, a system and an electronic device. The protocol determining method comprises a product protocol determining process and an associated information output process. In the process of determining the resource transfer scheme, firstly, a resource transfer request initiated based on a medium is obtained, the resource transfer request comprises resource transfer-in object identification information, the medium carries resource transfer-out object identity information, then, in response to the resource transfer request, a product protocol is determined based on the resource transfer-out object identity information and a first mapping relation, the first mapping relation is a relation between the resource transfer-out object identity information and the product protocol, and the product protocol comprises at least one sub-protocol. And entering a related information output process after the product agreement determining process is finished, if a second mapping relation exists between at least part of at least one sub-agreement and the resource transfer-in object identification information, determining a recommended sub-agreement from at least part of the sub-agreements based on the second mapping relation and the resource transfer-in object identification information, wherein the recommended sub-agreement enables a resource transfer path to be optimal, and then outputting related information of the recommended sub-agreement.

Fig. 1 schematically illustrates an application scenario of a protocol determination method, apparatus, system and electronic device according to an embodiment of the present disclosure.

As shown in fig. 1, a scenario in which a user pays is taken as an example for explanation. After the user goes to the XX private-room restaurant, the user can pay by selecting cash payment, credit card payment, joint name card payment, WeChat payment, Payment and the like when paying for payment. The XX restaurant may have an agreement with a payable institution (e.g., a bank), for example, the bank may enjoy 9-fold discount by using a credit card of the bank, and the bank may enjoy 8-fold discount by using a joint name card of the XX restaurant. In addition, the XX cafeteria may occasionally launch new events for promotional purposes, such as consuming 500 yuan full minus 150 yuan. At this time, the user can obtain more benefits by using which payment method, so that the promotion effect is particularly important to be improved.

In the related art, products issued by banks are often bound with media, for example, when a user holds a joint name card issued by a bank and an XX private-house restaurant jointly, the user can only enjoy product services corresponding to the card. The bank will cooperate with more enterprises in an attempt to provide more abundant product services to customers. However, for the client, if a joint name card is transacted for each service preference, a large number of cards are required to be carried around. Not only the wallet is difficult to bear, but also the specific card needs to be accurately selected in the using process, which is very inconvenient. In addition, when making payment, users usually make a balance based on information known to themselves to determine which payment method to use, and then the users need to select a credit card or a joint name card from a plurality of bank cards to pay. On one hand, the result of its rough estimation is not necessarily accurate (e.g., it seems that the promotion strength of full 500 yuan minus 150 yuan is more, but when the consumption amount is 800 yuan, the joint name card enjoys more favorable 8 discount). On the other hand, the user is inconvenient to select the card, and cannot enjoy the preference if forgetting to carry the bank card.

The protocol determining method, the device, the system and the electronic equipment provided by the embodiment of the disclosure can initiate a payment request based on various media, and the media can be a physical medium or a digital medium, so that a user can pay by swiping a face or by fingerprints, and the like, and in addition, the payment such as bank card payment, identity card payment or license payment can be realized, and the payment convenience is greatly improved. For example, XX private-house restaurant sends the photographed face image of the client, identification information of the client, the amount of consumption, and the like to a server side of a bank, the server side of the bank recognizes the face image of the client, and determines that the face image of the client is chen X, and the client and the bank have signed product agreements such as agreement 1 and agreement 2 (for example, product agreements corresponding to a credit card and a joint card, respectively). The XX cafeteria has signed an agreement 2 with the bank for the joint card, wherein the agreement may include a plurality of terms, such as term 1: 8-fold discount benefits can be enjoyed by using the joint name card for payment; clause 2: the hosted event may enjoy a 500 yuan minus 150 yuan preference. At this time, the server of the bank may authenticate the identity of the payer based on the information included in the payment request to determine the agreement that the payer has signed with the bank, and then match the agreement with the agreement of the payee to obtain the most favorable payment route: clause 1: the 8-fold discount can be enjoyed by using the joint name card for payment, and the discount amount is 160 yuan, so that the payment can be carried out based on the payment route of the discount.

In addition, the server side of the bank can also send the payment route, the benefits enjoyable by the user, the actual payment amount and the like to the client side of the XX private-house restaurant or the client side of the payer so that the payer can determine the required payment route or keep the payment voucher and the like. The payment convenience and experience are effectively improved.

It should be noted that the above payment scenario is only an exemplary illustration, and may also be a value document transaction, a physical transaction, and the like, which is not limited herein.

The protocol determining method, the device, the system and the electronic equipment provided by the embodiment of the disclosure promote product and medium separation based on a business architecture. When a client needs to enjoy preferential service provided by a certain product of the organization, the server can automatically recommend the most suitable product service for the client only by performing identity authentication through one medium, so that the client can easily enjoy the intelligent scene service provided by the organization, and the client does not need to carry various media, judge a suitable scene by the user and find out a suitable card, thereby effectively improving the convenience of resource transfer.

Fig. 2 schematically shows an exemplary system architecture to which a protocol determination method, a protocol determination apparatus, according to an embodiment of the present disclosure may be applied. It should be noted that fig. 2 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios. It should be noted that the protocol determining method, apparatus, system and electronic device provided in the embodiments of the present disclosure may be used in the cloud computing field in the resource transfer related aspect, and may also be used in various fields other than the cloud computing field, such as the financial field.

As shown in fig. 2, the system architecture 200 according to this embodiment may include

terminal devices

201, 202, 203, a network 204 and a server 205. The network 204 may include a plurality of gateways, routers, hubs, network wires, etc. to provide a medium for communication links between the

end devices

201, 202, 203 and the server 205. Network 204 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

201, 202, 203 to interact with other terminal devices and the server 205 via the network 204 to receive or send information, etc., such as sending resource transfer requests and receiving protocols, resource transfer results, etc. The

terminal devices

201, 202, 203 may be installed with various communication client applications, such as a bank-type application, an e-commerce-type application, a web browser application, a search-type application, an office-type application, an instant messaging tool, a mailbox client, social platform software, and the like (just examples).

The

terminal devices

201, 202, 203 include, but are not limited to, smart phones, point of sale (POS), desktop computers, augmented reality devices, tablet computers, laptop portable computers, retail terminals, and the like, which can support at least one payment method.

The server 205 may receive the resource transfer request and process the resource transfer request. For example, the server 205 may be a back office management server, a cluster of servers, or the like. The background management server can analyze and process the received service request, information request and the like, and feed back the processing result (such as protocol information, resource transfer quantity information, reward information, resource transfer processing result and the like) to the terminal equipment.

It should be noted that the protocol determination method provided by the embodiment of the present disclosure may be executed by the server 205. Accordingly, the protocol determination apparatus provided by the embodiment of the present disclosure may be disposed in the server 205. It should be understood that the number of terminal devices, networks, and servers are merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Fig. 3 schematically shows a relationship diagram among media, product agreements and accounts in the prior art.

To facilitate a better understanding of embodiments of the present disclosure, a relationship between media, product agreements, and accounts in the prior art is first exemplified. As shown in fig. 3, in the prior art, the medium includes the customer and account information, some media even include product information, and when the customer uses the medium, the bank server directly performs corresponding accounting processing according to the product agreement. The medium may be an entity medium such as a U shield, a bank card, a bankbook, and the like, and the entity medium may store information, and the information may identify an account, so that a bank may determine a corresponding account based on the information stored in the medium, so as to manage the account, such as fund transfer. However, as mentioned above, the relationship between the medium, the product agreement and the account in the prior art makes the medium have to store the related information including the account, the product agreement, etc., so that the user has to carry the medium with him or her to realize the function such as payment. In addition, data such as a bank account stored in the medium is closely related to the property security of the customer, and if the medium is lost, the property security, privacy, and the like may be threatened.

Fig. 4 schematically shows a flow chart of a protocol determination method according to an embodiment of the present disclosure.

As shown in fig. 4, the protocol determining method executed by the server may include operations S401 to S407.

In operation S401, a resource transfer request initiated based on a medium is obtained, where the resource transfer request includes resource transfer-in object identification information, and the medium carries resource transfer-out object identity information.

In this embodiment, the medium includes: at least one of physical media and data media. Wherein physical media include, but are not limited to: bank card, identity document, U shield, bankbook, driving license, etc. Wherein, the bank card can include: debit cards, payroll cards, credit cards, joint name cards, union cards, and the like. These media may store a user's account, personal identification information, and the like. The introduction of the data medium enables a user to carry out resource transfer operation without the physical medium, so that the user does not need to carry the physical medium with him. For example, the data medium may carry user identification information or the like. For example, the data medium includes, but is not limited to, various biometric features such as a face image (feature), fingerprint information (feature), or voiceprint information (feature). The resource transfer-in object can be a merchant, an individual, a third-party payment institution and the like. The resource roll-out object may be a merchant, an individual, a third party payment authority, etc. Resource-in and resource-out objects may have identity exchanges in different scenarios.

In operation S403, in response to the resource transfer request, a product protocol is determined based on the resource transfer-out object identity information and a first mapping relationship, the first mapping relationship being a relationship between the resource transfer-out object identification information and the product protocol, the product protocol including at least one sub-protocol.

In one embodiment, to increase the property security of the user, the personal identity information may first be authenticated. Specifically, determining the product agreement based on the resource roll-out object identity information and the first mapping relationship may include the following operations.

Firstly, identity authentication is carried out on the identity information of the resource transfer-out object carried by the medium. For example, for a scenario where the medium is a bank card, the authentication may be performed by the user entering a challenge password or a payment password. For example, for a scene in which the medium is a facial image, the facial image may be subjected to face recognition by the bank server to determine which user or user identifier the facial image corresponds to, where the face recognition technology may adopt various existing technologies. For example, for a scene in which the medium is an identity card, a face image collected by the terminal device may be compared with an authentication face image reserved in the identity card to determine whether the card holder of the identity card is the principal. The first mapping relationship may be generated when the user signs the protocol, for example, the resource roll-out object enters the mapping relationship between the user identifier of the server and the product protocol when the protocol is signed.

Then, if the result of the authentication is passed, the resource transfer-out object identification information is determined based on the resource transfer-out object identification information. The identity authentication process can adopt various identity authentication technologies, such as encryption, encoding, decryption, feature extraction, feature comparison, password authentication and the like. The resource roll-out object identification information may be a unique identifier, a name, an identification number, a combination thereof, and the like, which are allocated by the server side of the bank to the resource roll-out object.

Then, a product protocol is determined based on the resource roll-out object identification information and the first mapping relationship. This allows a determination of which protocols the resource roll-out object has signed with the bank, which protocols may provide support for operations such as payment.

In one embodiment, to further increase the user property security, the resource transfer-in object may also be authenticated based on its resource transfer-in object key. The resource transfer object key may be one of a paired public-private key pair.

By the method, the identification information of the resource transfer-in object corresponding to the resource transfer-in object can be determined while the identity authentication of the resource transfer-in object is carried out, so that the corresponding product protocol can be rapidly and accurately determined further based on the identification information of the resource transfer-in object.

In operation S405, if a second mapping relationship exists between at least a portion of at least one of the sub-protocols and the resource transfer-in object identification information, a recommended sub-protocol is determined from at least a portion of the sub-protocols based on the second mapping relationship and the resource transfer-in object identification information, and the recommended sub-protocol optimizes a resource transfer route.

The matched product protocols between the resource transferring-out object and the resource transferring-in object can be determined through a matching mode, and therefore the optimal resource transferring way can be conveniently determined from the matched product protocols. The optimal resource transfer route may refer to a route that is optimal for one or more indexes. Indicators include, but are not limited to: preferential strength, transfer cost, transfer time, transfer path, transfer times, safety cost, risk cost and the like.

For example, the bank server searches all product agreements signed by the resource roll-out object based on the resource roll-out object and the resource roll-in object, searches whether a product agreement related to the resource roll-in object exists in the agreements, and if so, finds out agreement terms and preferential conditions related to the scene from the related product agreements, so that an optimal resource transfer path is determined based on the agreement terms and the preferential conditions.

In one embodiment, a third mapping relationship exists between each sub-protocol and at least one of the account of the resource transfer-out object and the account of the resource transfer-in object, so that the resource transfer is carried out through the accounts. This facilitates resource transfers using the account.

In operation S407, association information of the recommended subprotocol is output.

In one embodiment, the bank server side can output the recommended subprotocol to the server which completes resource transfer in linkage so as to complete resource transfer directly. Or the bank server side outputs the recommended sub-protocol to the terminal equipment so that the user can select a resource transfer path based on the displayed sub-protocol associated information. The sub-agreement associated information includes, but is not limited to, at least one of sub-agreement information, account, merchant activity, merchant offer, actual payment amount, reward, and the like.

FIG. 5 schematically shows a relationship diagram between media, product agreements and accounts according to an embodiment of the disclosure.

With respect to the relationship between the medium, the product agreement and the account of the prior art as shown in fig. 3, the relationship between the medium, the product agreement and the account of the embodiment of the present disclosure, as shown in fig. 5, is changed to: the medium can be identity document, biological characteristics such as fingerprint, iris, voiceprint, face and other characteristic data besides information such as U shield, bank card, passbook and the like, and the privacy information is transferred to a special device of an object foreground through resources to be read, and is transferred to a server end of a bank for decoding and verification after being encrypted. After the data analyzed by the system is compared with the information in the database, the corresponding customer information is found, the agreement of all product services provided for the customer is found, and the account is found for corresponding financial processing. Therefore, the medium only has corresponding special information and no longer contains associated information such as clients, accounts, products and the like, so that the method and the device are beneficial to realizing no physical medium and improving property safety, personal privacy safety and the like of users.

The protocol determining method provided by the embodiment of the disclosure can facilitate a customer to select more appropriate and more favorable product services according to the self demand, and does not need to carry a large number of physical media to deal with the possible use scenes, so that the customer enjoys the services and has higher safety.

The identity authentication process is exemplified below.

In one embodiment, for a scenario in which the data medium includes biometric information, authenticating the resource-shed object identity information carried by the medium may include the following operations. First, biological information is acquired. Then, a data set of the media service object corresponding to the biological information is determined. Next, matching is performed in the data set based on the biometric information. Then, if there is a matching result, the result of the identity authentication is passed.

For example, a data set of a media service object corresponding to the biological information may be determined, the media service object comprising at least one data set, a type of the at least one data set being adapted to the type of the biological information. Then, matching is performed in a type-adapted data set based on the biometric information, the type-adapted data set including the biometric authentication information. As described above, the biological information may be various sound or image information or the like.

The business objects are exemplified below.

In one embodiment, the data set of media business objects is constructed as follows. First, a media service object is constructed. And then, splitting the coupled resource roll-out object identification information and the product protocol to obtain product protocol information. And then, splitting the coupled product protocol information and the medium information corresponding to the product protocol information to obtain the medium information. The media is then stored to the data set of the media service object.

In one embodiment, the protocol determination method may further include the following operations.

Firstly, a business object is constructed, wherein the business object comprises a client business object and a product agreement business object.

And then splitting the coupled object identification information and the product protocol to obtain the object identification information, wherein the object identification information comprises resource transfer-out object identification information and resource transfer-in object identification information.

Next, the product agreement information is stored in a data set of the product agreement business object, and the object identification information is stored in a data set of the customer business object.

Fig. 6 schematically illustrates a decoupling process schematic according to an embodiment of the present disclosure.

As shown in fig. 6, chen X has signed the following protocol: protocol 1: a credit card; protocol 2: a joint name card. This information is split into three parts: stale X is for a customer business object. Protocol 1: credit cards are for product agreement business objects. Protocol 2: the joint name card is for a product agreement business object. Thus, the decoupled three parts of information can be respectively stored in the data sets (such as databases) of the business objects corresponding to the three parts of information.

FIG. 7 schematically shows a schematic diagram of a business object according to an embodiment of the disclosure.

As shown in fig. 7, when a bank constructs a business architecture, it needs to separate a product from a medium, and construct business objects such as a client, a product agreement, a medium, and the like, respectively, so as to create a basic condition for product and medium separation.

The media business object mainly solves all media for identifying the identity of a client, such as identity documents, cards provided by banks, biological characteristics reserved by the client and other unique characteristic values which can be electronized and belong to the client.

The customer business object mainly stores relevant information of the customer so as to better serve the customer.

The product agreement business object mainly stores various specific service contents which are signed by banks and clients and can provide services for the clients.

And constructing association entities between the medium and the client and between the client and the product protocol so as to realize that the client can be located through the medium and the product protocol signed by the client can be found through the client.

Specifically, for existing data in organizations such as banks, the business objects such as the customer, the product agreement, the medium and the like can be constructed in a mode of original user information transformation.

For example, after completing corresponding database table transformation according to the business object, the data architecture layer splits the originally coupled customer and product protocol, product and medium, and moves the data, so as to complete data storage according to the new rule. The transformation is transparent to the customer, the customer does not need to provide extra information, and the transformation can be completed only by the inside of the bank.

In addition, for data (such as data of a new client) which is not available in an organization such as a bank, business objects such as the client, a product agreement, a medium and the like can be constructed in a manner of creating client information.

First, new object identification information and a new product agreement signed by an object corresponding to the new object identification information are acquired.

Then, new medium information is assigned to the new object identification information.

Then, the new object identification information, the new product protocol, and the new medium information are respectively stored in association.

For example, after the user becomes a bank client, the bank establishes business object information capable of identifying the characteristics of the client for the client; the media information capable of identifying the client is established based on the information provided by the client.

After the client, the product and the medium are separated, the client can perform the identity authentication of the client through any medium. With the mature application of the new technology, the mode of the client identity authentication is convenient to realize diversification, the separation of the client, the product and the medium can fully apply the new technical achievement to the greatest extent, and the bank server side can rapidly provide service support only by carrying out small-range technical transformation.

After the business objects such as the client, the product agreement, the medium and the like are constructed, the bank is convenient to recommend corresponding product service for the client, and the product agreement content signed by the client is stored in the product agreement business object associated with the client. It should be noted that the customer may choose whether the bank provides physical media associated with the service agreement. If a physical medium is selected, the related information needs to be supplemented back to the media service object as a medium held by the client.

In one embodiment, the resource transfer request may also include context information.

Accordingly, determining a recommended subprotocol from at least some of the subprotocols based on the second mapping relationship and the resource transfer object identification information may comprise the following operations.

Firstly, according to the scene information, the terms of at least part of the sub-agreements and the preferential conditions corresponding to the terms, determining respective preferential degrees of the terms of at least part of the sub-agreements, so as to sort the terms based on the preferential degrees and determine the terms with the highest preferential degrees.

Then, a recommended sub-agreement is determined from at least a portion of the sub-agreements based on the most favorable terms.

TABLE 1 processing logic

In one embodiment, the method includes sorting by preference degrees according to terms of at least part of the subprotocols and preference conditions corresponding to the terms, and determining the terms with the highest preference degrees includes: and inputting the preferential conditions and the preferential amount into the screening model to obtain the terms with the highest preferential degree.

Regarding the most favorable terms: and (3) taking the preferential conditions and the preferential amount as characteristic values, and screening out the optimal preferential conditions by using a Machine learning model, such as a Light Gradient Boosting Machine (LGB) model, wherein the optimal preferential conditions are sorted and recommended according to the highest preferential finance obtained by the customer from high to low.

Referring to fig. 1, when the customer consumes in XX private-house dish restaurant, the customer can enjoy 8 discount offers for holding the joint name card of the merchant and the bank, and the amount of the offer is 2 credits after consumption. If the bank and the merchant are doing the activities of reducing 150 from 500 at the moment, the bank server needs to calculate which of the two benefits has greater privilege strength, so as to prevent the customer from not enjoying the best benefit and causing poor promotion effect.

If the customer consumes 1000 yuan, the preferential amount is 200 yuan according to the joint name card, and 300 yuan is preferential according to the full reduction activity, and the bank server side can take the full reduction action as the optimal service recommendation. If the customer consumes 800 yuan, the joint name card discount is 160 yuan, and the full deactivation discount is 150 yuan, the bank server side takes the joint name card discount as the optimal service recommendation.

After determining the recommended subprotocol, a resource transfer may be performed based on the recommended subprotocol. The bank server side can automatically transfer resources based on the recommended subprotocol. In addition, after the user confirms the recommended subprotocol, the bank server is requested to automatically transfer resources based on the recommended subprotocol.

Fig. 8 schematically shows a flow chart of a protocol determination method according to another embodiment of the present disclosure.

As shown in fig. 8, after outputting the association information of the recommended sub-protocol in operation S407, the protocol determination method may further include operations S809 to S811 as follows.

In operation S809, a resource transfer instruction is obtained, where the resource transfer instruction characterizes an operation of performing resource transfer from the resource transfer-out object to the resource transfer-in object according to the recommended subprotocol.

In operation S811, in response to the resource transfer instruction, the resource of the resource transfer-out object is transferred to the resource transfer-in object based on the recommended subprotocol.

And finishing corresponding business processing in linkage: because the customer has a plurality of accounts in the bank, the system matches the accounts corresponding to the product agreement terms according to different preferential conditions to complete corresponding accounting processing.

In the above case, the full deduction activity is provided for the platinum card customer, and when the accounting processing is performed, the account corresponding to the platinum card is recorded for the accounting processing; when the joint name card is used for discount, account processing is carried out on the account corresponding to the joint name card.

According to the protocol determining method provided by the embodiment of the disclosure, the product is separated from the medium, so that a client can conveniently select more appropriate and more favorable product service according to needs, a large number of physical media do not need to be carried with the client to deal with possible use scenes, and the client has higher safety while enjoying the service. On the other hand, the medium only embodies special data related to the customer, and does not have related data such as bank accounts, and the like, so that the medium is more safe for the customer.

When the biological characteristics of the client change, corresponding information reserved in the bank can be updated only by using one medium for identity authentication. When a new medium can be formed by applying the new technology, the problem can be solved only by completing the relative original information acquisition and adding corresponding information storage in the medium service object library without greatly modifying the system, so that the flexibility of the system is improved, and the new requirements of customers are met.

One aspect of the present disclosure provides a resource transfer apparatus, and fig. 9 schematically illustrates a block diagram of a protocol determination apparatus according to an embodiment of the present disclosure.

As shown in fig. 9, the protocol determining apparatus 900 in the server side may include: a request receiving module 910, a product agreement determination module 920, a recommended sub-agreement determination module 930, and an association information output module 940.

The request receiving module 910 is configured to obtain a resource transfer request initiated based on a medium, where the resource transfer request includes resource transfer-in object identification information, the medium carries resource transfer-out object identity information, and a first mapping relationship exists between the resource transfer-out object identification information and a product protocol.

The product protocol determining module 920 is configured to determine, in response to the resource transfer request, a product protocol based on the resource transfer-out object identity information and the first mapping relationship, where the product protocol includes at least one sub-protocol.

The recommended subprotocol determining module 930 is configured to determine a recommended subprotocol from at least some subprotocols based on the second mapping relationship and the resource transfer-in object identification information if a second mapping relationship exists between at least some of the at least one subprotocol and the resource transfer-in object identification information, where the recommended subprotocol optimizes a resource transfer route.

The association information output module 940 is configured to output association information of the recommended subprotocol.

It should be noted that, the operations that each module can perform refer to the related description part of the above method, and are not described herein again.

Fig. 10 schematically illustrates a block diagram of a protocol determination system according to an embodiment of the present disclosure.

As shown in fig. 10, the protocol determination system 1000 includes a client 1010 and a server 1020 communicatively connected to each other, and the client 1010 may be a resource-transferring object client.

For example, the client 1010 generates a resource transfer request in response to a media-based user operation, and sends the resource transfer request to the server, where the resource transfer request includes resource transfer-in object identification information, and the media carries resource transfer-out object identity information.

The server 1020 determines, in response to the resource transfer request, a product protocol based on the resource roll-out object identity information and a first mapping relationship, where the first mapping relationship is a relationship between resource roll-out object identification information and the product protocol, and the product protocol includes at least one sub protocol.

The server 1020 is further configured to determine a recommended subprotocol from at least part of the subprotocols based on a second mapping relationship between at least part of the at least one subprotocol and the resource transfer-in object identification information if the second mapping relationship exists between at least part of the at least one subprotocol and the resource transfer-in object identification information, where the recommended subprotocol optimizes a resource transfer route.

The server 1020 outputs the association information of the recommended subprotocol, or transfers the resource of the resource transfer-out object to the resource transfer-in object based on the recommended subprotocol.

Fig. 11 schematically illustrates a logic diagram of a protocol determination system according to an embodiment of the present disclosure.

As shown in fig. 11, the customer provides media information, such as providing a bank card for swiping, or facing a camera to take an image of the user's face, or pressing a fingerprint capture device, etc. This allows the client of the merchant to provide the customer medium, merchant information, service scenario information, etc. to the banking system (e.g., the bank server). And the bank server side performs customer identity authentication and merchant authentication based on the customer medium, the merchant information, the service scene information and the like. After the two parties pass the authentication, the product agreement signed by the client can be located, and the optimal scheme can be determined from the product agreement.

For example, all product agreements signed by the customer are found, whether a product agreement related to the merchant exists is found in the agreements, and if so, agreement terms and preferential conditions related to the scene are found from the related product agreements. Thus, the processing result can be fed back to the client: such as payment results, protocols employed, amount paid, offer amount, etc. This facilitates the customer to confirm the results based on the information displayed by the client.

It should be noted that the implementation, solved technical problems, implemented functions, and achieved technical effects of each module/unit and the like in the apparatus part embodiment are respectively the same as or similar to the implementation, solved technical problems, implemented functions, and achieved technical effects of each corresponding step in the method part embodiment, and are not described in detail herein.

Any of the modules, units, or at least part of the functionality of any of them according to embodiments of the present disclosure may be implemented in one module. Any one or more of the modules and units according to the embodiments of the present disclosure may be implemented by being split into a plurality of modules. Any one or more of the modules, units according to the embodiments of the present disclosure may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by any other reasonable means of hardware or firmware by integrating or packaging the circuits, or in any one of three implementations of software, hardware and firmware, or in any suitable combination of any of them. Alternatively, one or more of the modules, units according to embodiments of the present disclosure may be implemented at least partly as computer program modules, which, when executed, may perform the respective functions.

For example, any plurality of the request receiving module 910, the product agreement determination module 920, the recommendation sub-agreement determination module 930, and the association information output module 940 may be combined in one module to be implemented, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the request receiving module 910, the product protocol determining module 920, the recommended sub-protocol determining module 930, and the associated information outputting module 940 may be at least partially implemented as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or an appropriate combination of any several of them. Alternatively, at least one of the request receiving module 910, the product agreement determining module 920, the recommended sub-agreement determining module 930, and the association information outputting module 940 may be at least partially implemented as a computer program module that may perform a corresponding function when executed.

FIG. 12 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure. The electronic device shown in fig. 12 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 12, an electronic apparatus 1200 according to an embodiment of the present disclosure includes a processor 1201, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1202 or a program loaded from a storage section 1208 into a Random Access Memory (RAM) 1203. The processor 1201 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 1201 may also include on-board memory for caching purposes. The processor 1201 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 1203, various programs and data necessary for the operation of the electronic apparatus 1200 are stored. The processor 1201, the ROM 1202, and the RAM 1203 are communicatively connected to each other by a bus 1204. The processor 1201 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 1202 and/or the RAM 1203. Note that the programs may also be stored in one or more memories other than the ROM 1202 and the RAM 1203. The processor 1201 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 1200 may also include input/output (I/O) interface 1205, according to an embodiment of the disclosure, input/output (I/O) interface 1205 also connected to bus 1204. The electronic device 1200 may also include one or more of the following components connected to the I/O interface 1205: an input section 1206 including a keyboard, a mouse, and the like; an output portion 1207 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 1208 including a hard disk and the like; and a communication section 1209 including a network interface card such as a LAN card, a modem, or the like. The communication section 1209 performs communication processing via a network such as the internet. A driver 1210 is also connected to the I/O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is mounted on the drive 1210 as necessary, so that a computer program read out therefrom is mounted into the storage section 1208 as necessary.

According to embodiments of the present disclosure, method flows according to embodiments of the present disclosure may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable storage medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 1209, and/or installed from the removable medium 1211. The computer program, when executed by the processor 1201, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 1202 and/or the RAM 1203 and/or one or more memories other than the ROM 1202 and the RAM 1203 described above.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. These examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A protocol determination method performed by a server, comprising:

acquiring a resource transfer request initiated based on a medium, wherein the resource transfer request comprises resource transfer-in object identification information, and the medium carries resource transfer-out object identity information;

in response to the resource transfer request, determining a product protocol based on the resource transfer-out object identity information and a first mapping relationship, the first mapping relationship being a relationship between resource transfer-out object identification information and a product protocol, the product protocol comprising at least one sub-protocol;

if a second mapping relation exists between at least part of at least one subprotocol and the resource transfer-in object identification information, determining a recommended subprotocol from at least part of the subprotocols based on the second mapping relation and the resource transfer-in object identification information, wherein the recommended subprotocol enables a resource transfer path to be optimal; and

and outputting the association information of the recommended subprotocol.

2. The protocol determination method of claim 1, wherein the medium comprises: at least one of a physical medium and a data medium;

the determining a product protocol based on the resource roll-out object identity information and the first mapping relationship comprises:

performing identity authentication on the identity information of the resource transfer-out object carried by the medium;

if the identity authentication result is passed, determining the identification information of the resource transfer-out object based on the identity information of the resource transfer-out object; and

and determining a product protocol based on the resource roll-out object identification information and the first mapping relation.

3. The protocol determination method of claim 2, wherein the authenticating the resource roll-out object identity information carried by the medium comprises: the data medium includes a biological information and a data file,

acquiring the biological information;

determining a data set of a media service object corresponding to the biological information;

matching in the data set based on the biological information; and

if there is a match, the result of the identity authentication is passed.

4. The protocol determination method of claim 3, wherein the data set of media service objects is constructed by:

constructing a media service object;

splitting the coupled resource roll-out object identification information and the product protocol to obtain product protocol information;

splitting the coupled product protocol information and medium information corresponding to the product protocol information to obtain medium information; and

and storing the media information to the data set of the media service object.

5. The protocol determination method of claim 4, further comprising:

constructing a business object, wherein the business object comprises a client business object and a product protocol business object;

splitting the coupled object identification information and the product protocol to obtain object identification information, wherein the object identification information comprises resource transfer-out object identification information and resource transfer-in object identification information; and

storing the product agreement information in a data set of the product agreement business object and storing the object identification information in a data set of the customer business object.

6. The protocol determination method of claim 5, further comprising:

acquiring new object identification information and a new product protocol signed by an object corresponding to the new object identification information;

distributing new medium information to the new object identification information; and

the new object identification information, the new product agreement, and the new media information are respectively stored in association.

7. The protocol determination method of claim 1, wherein the resource transfer request further includes context information;

said determining a recommended sub-protocol from at least some of said sub-protocols based on said second mapping relationship and said resource transfer-in object identification information comprises:

determining respective preferential degrees of at least part of the terms of the subprotocol according to the scene information, at least part of the terms of the subprotocol and preferential conditions corresponding to the terms, so as to perform sorting based on the preferential degrees and determine terms with the highest preferential degrees; and

determining a recommended sub-agreement from at least a portion of the sub-agreements based on the most favorable terms.

8. The agreement determination method of claim 7, wherein the determining the most favorable terms comprises, in order of degree of preference according to at least some of the terms of the sub-agreement and favorable conditions corresponding to the terms:

and inputting the preferential conditions and the preferential amount into the screening model to obtain the terms with the highest preferential degree.

9. The protocol determination method according to any one of claims 1 to 8, further comprising: after said outputting the association information of the recommended subprotocol,

acquiring a resource transfer instruction, wherein the resource transfer instruction represents that the operation of transferring the resource from the resource transferring-out object to the resource transferring-in object is executed according to the recommended subprotocol; and

and responding to the resource transfer instruction, and transferring the resource of the resource roll-out object to the resource roll-in object based on the recommended subprotocol.

10. The protocol determination method according to any one of claims 1 to 8, wherein a third mapping relationship exists between each sub-protocol and at least one of an account of a resource transfer-out object and an account of a resource transfer-in object so as to perform resource transfer through the accounts.

11. The protocol determination method according to any one of claims 1 to 8, further comprising: and performing identity authentication on the resource transfer-in object based on the resource transfer-in object key of the resource transfer-in object.

12. A protocol determination apparatus in a server side, comprising:

the system comprises a request receiving module, a resource transferring module and a resource transferring module, wherein the request receiving module is used for acquiring a resource transferring request initiated based on a medium, the resource transferring request comprises resource transferring-in object identification information, the medium bears resource transferring-out object identity information, and a first mapping relation exists between the resource transferring-out object identification information and a product protocol;

a product protocol determining module, configured to determine, in response to the resource transfer request, a product protocol based on the resource roll-out object identity information and the first mapping relationship, where the product protocol includes at least one sub-protocol;

a recommended subprotocol determining module, configured to determine a recommended subprotocol from at least some of the subprotocols based on a second mapping relationship if the second mapping relationship exists between at least some of the at least one subprotocol and the resource transfer-in object identification information, where the recommended subprotocol optimizes a resource transfer route; and

and the associated information output module is used for outputting the associated information of the recommended subprotocol.

13. A protocol determination system comprising a client and a server communicatively coupled to each other, the client being a resource-transferring object client, wherein:

the client responds to user operation based on a medium, generates a resource transfer request, and sends the resource transfer request to the server, wherein the resource transfer request comprises resource transfer-in object identification information, and the medium carries resource transfer-out object identity information;

the server side responds to the resource transfer request, and determines a product protocol based on the resource transfer-out object identity information and a first mapping relation, wherein the first mapping relation is a relation between the resource transfer-out object identification information and the product protocol, and the product protocol comprises at least one sub protocol;

the server side is further used for determining a recommended subprotocol from at least part of the subprotocols based on a second mapping relation if the second mapping relation exists between at least part of the subprotocols and the resource transfer-in object identification information, wherein the recommended subprotocol enables a resource transfer path to be optimal; and

and the server side outputs the association information of the recommended subprotocol, or transfers the resource of the resource transferring-out object to the resource transferring-in object based on the recommended subprotocol.

14. An electronic device, comprising:

one or more processors;

a storage device for storing executable instructions which, when executed by the processor, implement the method of any one of claims 1 to 11.

15. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, implement a method according to any one of claims 1 to 11.