CN117349541A

CN117349541A - Bank application-based resource transfer method, device, computer equipment and medium

Info

Publication number: CN117349541A
Application number: CN202311168027.7A
Authority: CN
Inventors: 刘航
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2023-09-11
Filing date: 2023-09-11
Publication date: 2024-01-05

Abstract

The present application relates to a method, an apparatus, a computer device, a storage medium and a computer program product for resource transfer based on a banking application. The method comprises the following steps: responding to a query request for resource transfer triggered by a banking application, determining candidate banking sites according to user position information, screening the candidate banking sites according to a resource value of a reference resource and a resource value of a target resource in a request message to obtain at least one target banking site for resource transfer, generating a banking site recommendation list for resource transfer based on a transfer strategy of the reference resource and the target resource in the target banking site, and pushing the banking site recommendation list to the banking application. According to the method, the recommendation list of the banking website is pushed to the user when the user inquires, so that the user can select a proper user website to transact resource transfer business, and the transacting efficiency is improved.

Description

Bank application-based resource transfer method, device, computer equipment and medium

Technical Field

The present application relates to the field of computer technology, and in particular, to a resource transfer method, apparatus, computer device, storage medium and computer program product based on banking application.

Background

With the development of technology, more and more people choose to transact the business of resource exchange, mortgage and transfer at banks, and because the rules of business at each bank site are not necessarily identical, the situation that the user finds that the resource-related business cannot transact after arriving at the bank often occurs, for example, the user goes to a business of transacting foreign currency exchange at a certain bank, and the business cannot transact due to personal foreign exchange limit.

In the existing mode, a user queries the resource-related business opened by a bank in a business hall, and then selects one website from query results to transact the business.

Disclosure of Invention

In view of the foregoing, it is desirable to provide a method, apparatus, computer device, computer readable storage medium, and computer program product for resource transfer based on a banking application that enable efficiency of resource transfer business transaction.

In a first aspect, the present application provides a method for resource transfer based on a banking application. The method comprises the following steps:

responding to a query request for resource transfer triggered by a banking application, wherein the query request comprises: reference resources, target resources, and user location information;

Determining candidate banking outlets according to the user position information;

screening the candidate banking outlets according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking outlet for transferring the resources;

and generating a banking point recommendation list for resource transfer based on the transfer strategy of the reference resource and the target resource in the target banking point, and pushing the banking point recommendation list to the banking application.

In one embodiment, the query request responsive to the resource transfer triggered by the banking application includes:

responding to a query request of resource transfer triggered by a bank application, and acquiring a resource image of a resource to be transferred;

image recognition is carried out on resources to be transferred of a user, and at least one type of the resources to be transferred is obtained;

generating at least one group of resource sets of the resources to be transferred in response to the confirmation operation of the user on the quantity of the resources to be transferred and the type of the at least one resource to be transferred, wherein the resource sets of the group of resources to be transferred comprise a reference resource and a target resource;

And packaging the resource set of the resources to be transferred to obtain the request information of the resource transfer.

In one embodiment, the image identifying the resource to be transferred of the user to obtain at least one type of the resource to be transferred includes:

dividing the resource image based on a resource division model and edge characteristics of each target in the image;

inputting the sub-images of the resources obtained by segmentation into a resource type identification model to obtain the types of the resources corresponding to the sub-images;

and obtaining the type of the resource to be transferred according to the type of the resource corresponding to the sub-image of each resource.

In one embodiment, the screening the candidate banking node according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking node for transferring the resource includes:

comparing the resource value of the reference resource with the upper limit value of the reference resource value in the candidate bank website;

if the resource value of the reference resource does not exceed the upper limit value of the resource value of the reference resource, comparing the resource value of the target resource with the upper limit value of the target resource value in the candidate bank website;

And if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate bank node as the target bank node for transferring the resource.

In one embodiment, the transferring policy includes a ratio of the reference resource to the target resource, and a consumed resource value consumed by resource conversion, and the generating a banking point recommendation list of resource transfer based on the transferring policy of the reference resource and the target resource in the banking point of the resource transfer, and pushing the banking point recommendation list of resource transfer to the banking application includes:

sequencing the ratio of the reference resource to the target resource in the banking outlets of the resource transfer to obtain a resource ratio sequencing result of the banking outlets of each resource transfer;

sequencing consumed resource values consumed by resource conversion in the banking outlets of the resource transfer to obtain sequencing results of the consumed resource values of the banking outlets of the resource transfer;

and generating a bank node recommendation list of the resource transfer according to the resource ratio sequencing result of the bank nodes of each resource transfer and the sequencing result of the consumption resource values of the bank nodes of each resource transfer, and pushing the bank node recommendation list of the resource transfer to a bank application.

In one embodiment, the method further comprises:

responding to the confirmation operation of the user on the bank website recommendation list of the resource transfer, and generating a recommended route according to the position information of the bank website of the resource transfer in the bank website recommendation list of the resource transfer and the position information of the user;

pushing the recommended route to the banking application of the terminal.

In a second aspect, the present application further provides a resource transfer device based on a banking application. The device comprises:

the response module is used for responding to a query request of resource transfer triggered by the bank application, wherein the query request comprises: reference resources, target resources, and user location information;

the processing module is used for determining candidate banking outlets according to the user position information;

the screening module is used for screening the candidate banking outlets according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking outlet for resource transfer;

and the recommending module is used for generating a banking point recommending list for resource transfer based on the transfer strategy of the reference resource and the target resource in the target banking point and pushing the banking point recommending list to the banking application.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

The resource transfer method, the device, the computer equipment, the storage medium and the computer program product based on the bank application respond to the query request of resource transfer triggered by the bank application, wherein the query request comprises the reference resource, the target resource and the user position information, and the user can quickly initiate the resource transfer request through the bank application without the need of the bank to personally go to a business hall or an organization for query. And determining candidate banks according to the user position information, screening candidate banking sites according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking site with transferred resources, and screening a plurality of banking sites so as to facilitate the follow-up recommendation of the banking sites to users, thereby reducing the screening range and improving the recommendation efficiency. Based on a transfer strategy of a reference resource and a target resource in a target bank website, generating a bank website recommendation list for resource transfer, and pushing the bank website recommendation list to a bank application.

Drawings

FIG. 1 is an application environment diagram of a bank application-based resource transfer method in one embodiment;

FIG. 2 is a flow diagram of a method of resource transfer based on a banking application in one embodiment;

FIG. 3 is a flow chart of a method for transferring resources based on a banking application in another embodiment;

FIG. 4 is a block diagram of a resource transfer device based on a banking application in one embodiment;

fig. 5 is an internal structural diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be further described in detail with reference to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the present application.

The resource transfer method based on the bank application, provided by the embodiment of the application, can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server.

The server 104 responds to a query request for resource transfer triggered by the banking application of the terminal 102, wherein the query request comprises reference resources, target resources and user position information, the server 104 determines candidate banking sites according to the user position information, the server 104 screens the candidate banking sites according to the resource values of the reference resources and the resource values of the target resources in the request message to obtain at least one target banking site for resource transfer, and the server 104 generates a banking site recommendation list for resource transfer based on the transfer strategy of the reference resources and the target resources in the target banking sites and pushes the banking site recommendation list to the banking application.

The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices, and portable wearable devices, where the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart vehicle devices, and the like. The portable wearable device may be a smart watch, smart bracelet, headset, or the like. The server 104 may be implemented as a stand-alone server or as a server cluster of multiple servers.

In one embodiment, as shown in fig. 2, there is provided a resource transfer method based on a banking application, which is illustrated by taking the application of the method to the server in fig. 1 as an example, including:

S202, responding to a query request of resource transfer triggered by a bank application, wherein the query request comprises: reference resources, target resources, and user location information.

In response to a query request of a user for resource transfer triggered by a banking application, the resource transfer can be to exchange resources owned by the user for resources expected by the user, and the types of the resources can be currency types such as paper money, coins and the like, and specifically can be currency types circulated in different areas, such as RMB, dollars, euro, british pounds and the like.

The reference resource is a resource held by a user or used by the user, the target resource can be a resource expected by the user to be used for transaction or transfer, the resource is taken as currency as an example, the reference resource can be RMB, the target resource can be dollars, and the resource transfer scene can be currency exchange or exchange for foreign exchange and the like.

It should be noted that the resource type of the reference resource may be different from the type of the target resource, for example, in a scenario of exchanging for a foreign exchange, the resource type of the reference resource and the type of the target resource are different. The resource type of the reference resource may be the same as the type of the target resource, for example, a money change scenario in which the reference resource and the target resource are the same type.

The user location information may be a location corresponding to the terminal, and the location of the terminal of the user, that is, the user location information, is obtained in response to a query request of the user for resource transfer triggered by a bank application in the terminal.

And responding to the inquiry request of the resource transfer triggered by the bank application, and acquiring a resource image.

Specifically, taking resource transfer as a foreign exchange as an example, when a user initiates a query request for exchange on a money exchange page of a terminal, a money image shot by the user control terminal is acquired at the same time, and the money image can be used as reference money or target money.

The currency image is identified to obtain the currency type of the currency image, and the reference currency to which the currency image belongs is obtained according to the currency type. Wherein a legal currency of the place where the user is located can be determined based on the user location information, and the legal currency can be determined as the target currency.

S204, determining candidate banking outlets according to the user position information.

The area where the user is located generally includes a plurality of banking sites, and the candidate banking sites can be determined from the plurality of banking sites according to a preset distance. Specifically, according to the distance between the user position information and the user website and the preset distance, candidate banking website is determined from a plurality of banking website.

The traffic attributes can be given to a plurality of banking sites in advance, and the traffic attributes can be time spent and distance travelled by any position determined based on real-time traffic to reach the banking sites, specifically, each banking site is screened according to the user position information and the traffic attributes of each banking site, so as to obtain candidate banking sites.

The method comprises the steps of screening each bank based on the spent time in the traffic attribute to obtain candidate banking sites, screening each bank based on the passing distance in the traffic attribute to obtain candidate banking sites, and giving weight coefficients of different sizes to time information and distance information in the traffic attribute, and screening each bank based on the time information, the weight information of the time information, the distance information, the weight information of the distance information and the user position information to obtain candidate banking sites.

S206, screening the candidate banking outlets according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking outlet for transferring the resources.

The reference resource and the target resource can be money, the resource value of the reference resource is the value of the money, the total value of the money for the resource transaction of the user, and the resource value of the target resource is the total value corresponding to the money which the user expects to exchange.

In the following case, there is a limitation in exchange for money (resources) at each bank site, for example, a certain bank a sets an upper limit value for exchange for money (resources) of a certain type, for example, a certain bank a sets an upper limit value of 10 ten thousand yuan for exchange for money of a certain type in a preset period.

The transfer of the reference resource and the target resource has an upper limit value, taking the reference resource as the RMB and the target resource as the dollar as examples, for a certain bank A, the upper limit value of the exchange of the people is 10 ten thousand yuan, the upper limit value of the exchange of the dollar is 5 ten thousand yuan, and if the rest exchange amount of the bank is smaller than the resource value of the reference resource in the request message or the rest exchange amount of the bank is smaller than the resource value of the target resource in the request message, the bank network point is screened out. And if the remaining exchange limit of the bank is greater than or equal to the resource value of the reference resource and the resource value of the target resource in the request message, reserving the bank website as the target website for resource transfer.

S208, generating a banking point recommendation list for resource transfer based on a transfer strategy of the reference resource and the target resource in the target banking point, and pushing the banking point recommendation list to the banking application.

Wherein the transfer policy includes a ratio of transfers of the reference resource to the target resource, e.g., one reference resource may be swapped for several target resources. The transfer policy also includes resource consumption values generated during the resource transfer process, such as material fees, handling fees, etc. generated by the bank handling the resource transfer business. It should be noted that in some cases, the resource consumption value may be 0, and the transfer policy includes only a ratio of the transfer of the reference resource to the target resource in this case.

The method comprises the steps of sorting at least one target bank node of resource transfer according to the transfer ratio of a reference resource to a target resource in a transfer strategy and a resource consumption value in the transfer strategy, obtaining a bank node recommendation list of the resource transfer, and pushing the bank node recommendation list to a bank application.

Specifically, the target banking sites of at least one resource transfer can be ordered according to the transfer ratio of the reference resource and the target resource in the transfer strategy, so as to obtain a banking site recommendation list of the resource transfer. And ordering at least one target banking site for resource transfer according to the resource consumption value in the transfer strategy to obtain a banking site recommendation list for resource transfer.

The estimated resource value corresponding to the resource value of the reference resource can be obtained by calculation according to the ratio of the reference resource to the target resource in the transfer policy, and the estimated resource value (700 yuan) can be obtained according to the resource value (100 dollars) of the reference resource and the ratio (7 assumed) of the reference resource to the target resource. And sequencing at least one target banking site for resource transfer according to the estimated resource value and the resource consumption value in the transfer strategy to obtain a banking site recommendation list for resource transfer.

Wherein, the bank website recommendation list can be pushed to the bank application through the running of the 5G message.

In the resource transfer method based on the bank application, the query request of resource transfer triggered by the bank application is responded, wherein the query request comprises the reference resource, the target resource and the user position information, and the user can quickly initiate the resource transfer request through the bank application without the need of the bank to personally go to a business hall or an organization for query. And determining candidate banks according to the user position information, screening candidate banking sites according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking site with transferred resources, and screening a plurality of banking sites so as to facilitate the follow-up recommendation of the banking sites to users, thereby reducing the screening range and improving the recommendation efficiency. Based on a transfer strategy of a reference resource and a target resource in a target bank website, generating a bank website recommendation list for resource transfer, and pushing the bank website recommendation list to a bank application.

In one embodiment, responding to a query request for a banking application triggered resource transfer includes: responding to a query request of resource transfer triggered by a bank application, acquiring a resource image of a resource to be transferred, carrying out image recognition on the resource to be transferred of a user to obtain at least one type of the resource to be transferred, responding to a confirmation operation of the number of the resource to be transferred of the user and the type of the resource to be transferred to generate at least one group of resource sets of the resource to be transferred, wherein the resource sets of the resource to be transferred comprise a reference resource and a target resource, and packaging the resource sets of the resource to be transferred to obtain request information of resource transfer.

And responding to the operation of the user aiming at the resource image uploading button, and acquiring a resource image of the resource to be transferred.

The resource to be transferred is a resource expected by a user to transfer the resource, the resource image of the resource to be transferred generally comprises a plurality of resource types of the resource to be transferred, and the resource types of the resources to be transferred in the resource image need to be identified and distinguished to obtain the resources to be transferred with different resource types.

Specifically, the image recognition method may be that similarity matching is performed on an image of a resource to be transferred and a standard resource image, and the type of the resource to be transferred in the image of the resource to be transferred is determined, wherein the image feature of the resource to be transferred can be extracted through a feature extraction model of a resource trained in advance, similarity matching is performed on the extracted image feature of the resource to be transferred and the standard resource image feature, and further, the type of the resource to be transferred in the image of the resource to be transferred is determined, so that the problem of resource recognition is converted into the problem of resource type matching, and the accuracy of resource type matching is improved.

And responding to the confirmation operation of the number of the resources to be transferred by the user, obtaining the estimated number of the resources to be transferred, and generating at least one group of resource sets of the resources to be transferred according to the estimated number of the resources to be transferred and at least one type of the resources to be transferred.

The resource set includes a reference resource and a target resource, and takes the resource transfer as the currency exchange as an example, and the resource set is a reference currency identified in the image shot by the user, for example, one of the rmb, the dollar, the euro, and the like. The resource set also includes a target currency corresponding to the reference currency, i.e., a currency that the user desires to exchange with the reference currency, e.g., one of the Renminbi, dollars, euro, etc.

The resource image of the resource to be transferred generally comprises at least one group of resource sets, and the resource image of the resource to be transferred is divided into a plurality of groups of resource sets, so that the ordered resource transfer and resource accounting in the resource transfer process are facilitated, and confusion among various resource transfers is avoided. Specifically, the resource set of the resources to be transferred is packaged to obtain request information of resource transfer, and the request information of resource transfer comprises the resource set of the resources to be transferred packaged according to types.

In this embodiment, on the one hand, by means of image recognition, at least one type of resources to be transferred is automatically identified in a resource image of the resources to be transferred, so that the efficiency of identifying the resources is improved without manually inputting the type of the resources to be transferred by a user, and on the other hand, at least one group of resource sets of the resources to be transferred is generated in response to a confirmation operation of the number of the resources to be transferred by the user and the type of the at least one resource to be transferred, and the resource sets of the resources to be transferred are packaged to obtain request information of resource transfer, which is helpful for orderly resource transfer and resource accounting in the resource transfer process, and confusion between various kinds of resource transfer is avoided.

In one embodiment, performing image recognition on resources to be transferred of a user to obtain at least one type of resources to be transferred, including: dividing the resource image based on the resource dividing model and the edge characteristics of each target in the image, inputting the sub-image of each resource obtained by dividing into a resource type identification model to obtain the type of the resource corresponding to the sub-image, and obtaining the type of the resource to be transferred according to the type of the resource corresponding to the sub-image of each resource.

The resource segmentation model can pre-classify the image, divide the image into a plurality of targets, and then segment the image based on edge features of the targets to obtain sub-images of each resource.

Edge characteristics include edge strength, edge length, edge position, and the like. The edge intensity value refers to the minimum gray level difference relative to the background, and the magnitude of the edge intensity is different according to different illumination conditions and gray level characteristics of the target. If the illumination in the whole scene is weaker, the edge intensity is lower. If one object in the image has a high brightness relative to the other objects, the edge intensity of the lower brightness object is suppressed. The edge length value ensures the distance that the set edge intensity occurs, the edge length being determined by the rate of change of the gray scale of the edge pixels. The edge length of the region with slow gray level change is correspondingly larger. Edge position values the coordinate positions of the pixels of the edge in the image.

After obtaining the sub-images of each resource, the resource type in the sub-images of each resource needs to be further determined, specifically, the sub-images of each resource obtained by segmentation are input into a resource type identification model, and the resource type corresponding to the sub-images is obtained. The resource type identification model performs similarity matching on the sub-images of the resources and the standard resource images, and if the similarity is larger than a preset threshold value, the type of the resources of the standard resource images corresponding to the sub-images is determined as the type of the resources corresponding to the sub-images.

In this embodiment, the resource to be transferred of the user is identified by using the resource segmentation model and the resource type identification model, so as to obtain the type of the resource to be transferred, which improves the efficiency of resource transfer, on one hand, the resource segmentation model is used to divide the resource image into a plurality of sub-images, so that the corresponding resource types in each sub-image can be further determined, on the other hand, the resource type identification model is used to identify each resource obtained by segmentation, so as to obtain the type of the resource corresponding to the sub-image, and the problem of identifying the resource is converted into the problem of matching the resource types, thereby improving the accuracy of matching the resource types.

In one embodiment, screening candidate banking outlets according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one banking outlet for resource transfer includes: and comparing the resource value of the reference resource with the upper limit value of the reference resource value in the candidate bank network point, if the resource value of the reference resource does not exceed the upper limit value of the resource value of the reference resource, comparing the resource value of the target resource with the upper limit value of the target resource value in the candidate bank network point, and if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate bank network point as the bank network point for transferring the resource.

The value of the reference resource is the value corresponding to the reference, taking the resource as currency as an example, and the value of the reference resource and the target resource can be the denomination corresponding to the currency. The resource value of the target resource to be described may be a replaceable resource value corresponding to the reference resource expected by the user, specifically, according to the estimated ratio of the reference resource to the target resource and the resource value of the reference resource, for example, the reference resource is dollar, the target resource is rmb, the estimated ratio of dollar to rmb is 7, if the resource value of the reference resource is 100 dollars, the resource value of the target resource is 700 rmb, but in general, there may be a case that the ratio between the reference resource and the target resource is inconsistent in the bank website, so that the bank website may be screened according to the reference resource and the target resource expected by the user, to obtain the optimal user website, and improve the user experience.

In some cases, the user needs to transact the resource transfer service with a larger resource value, and not all banking sites have the capability of supporting, so that screening on a plurality of banking sites according to the resource value of the reference resource and the resource value of the target resource of the user is needed to obtain the target banking site.

And comparing the resource value of the reference resource with the upper limit value of the reference resource value in the candidate bank website, wherein if the resource value of the reference resource exceeds the upper limit value of the resource value of the reference resource, the residual exchange limit of the reference resource representing the website is insufficient to support the exchange of the reference resource.

If the resource value of the reference resource does not exceed the upper limit value of the resource value of the reference resource, comparing the resource value of the target resource with the upper limit value of the target resource value in the candidate bank website, and if the resource value of the target resource exceeds the upper limit value of the resource value of the target resource, the residual exchange limit of the target resource representing the website is insufficient to support the exchange of the reference resource.

And if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate banking website as the banking website for transferring the resource.

In this embodiment, by comparing the resource value of the reference resource with the upper limit value of the resource value of the reference resource and comparing the resource value of the target resource with the upper limit value of the resource value of the target resource, the banking site with insufficient remaining exchange line of the resource is further eliminated, and the banking site with insufficient remaining exchange line of the resource is obtained, thereby avoiding the situation of failure handling of the resource transfer service caused by insufficient remaining exchange line of the resource in the banking site.

In one embodiment, the transfer policy includes a ratio of a reference resource to a target resource, and a consumption resource value consumed by the resource conversion, and generating a banking point recommendation list for the resource transfer based on the transfer policy of the reference resource and the target resource in the banking point for the resource transfer, and pushing the banking point recommendation list to the banking application includes: sequencing the ratio of the reference resource to the target resource in the bank node of the resource transfer to obtain a resource ratio sequencing result of the bank node of each resource transfer, sequencing the consumed resource value consumed by the resource transfer in the bank node of the resource transfer to obtain a sequencing result of the consumed resource value of the bank node of each resource transfer, generating a bank node recommendation list of the resource transfer according to the resource ratio sequencing result of the bank node of each resource transfer and the sequencing result of the consumed resource value of the bank node of each resource transfer, and pushing the bank node recommendation list to the bank application.

Wherein the ratio of the reference resource to the target resource may be a conversion ratio of the reference resource to the target resource, e.g., a real-time exchange rate between currencies. Specifically, the ratio of the reference resource to the target resource in the banking outlets for transferring the resources can be sorted in a descending order, so as to obtain a resource ratio sorting result of the banking outlets for transferring the resources. The ratio of banking outlets ranked earlier is smaller, and the larger the resource value of the target resource converted by the reference resource is.

The consumed resource value may be a resource value consumed by a banking website in the resource conversion process, for example, a handling fee, a material fee, and the like. Specifically, the consumed resource values consumed by the resource conversion in the banking outlets of the resource conversion are sequenced in an ascending order to obtain the sequencing result of the consumed resource values of the banking outlets of the resource conversion, and the consumed resources of the user outlets with the front sequencing are less.

And generating a bank node recommendation list of the resource transfer according to the resource ratio sequencing result of the bank nodes of each resource transfer and the sequencing result of the consumption resource value of the bank nodes of each resource transfer, and pushing the bank node recommendation list to the bank application.

Specifically, weights with different sizes are set for the resource ratio sorting result and the sorting result of the consumed resource values, a banking point recommendation list of the resource transfer is generated according to the resource ratio sorting result of the banking points of each resource transfer, the sorting result of the consumed resource values of the banking points of each resource transfer and the corresponding weight sizes, and the banking point recommendation list is pushed to a banking application.

In the embodiment, the recommendation list of the banking website is pushed to the user when the user inquires, so that the user can select a proper user website to transact the resource transfer service, and the transacting efficiency is improved.

In one embodiment, in response to a confirmation operation of a user on a resource transfer bank website recommendation list, a recommended route is generated according to the position information of the resource transfer bank website in the resource transfer bank website recommendation list and the user position information, and the recommended route is pushed to a banking application of the terminal.

And responding to the confirmation operation of the user on the resource transfer bank website recommendation list, and obtaining at least one path between the user and the bank website according to the position information of the resource transfer bank website and the user position information in the resource transfer bank website recommendation list.

Specifically, the time prediction can be further performed on at least one path to obtain time corresponding to the path between the user and the bank website, and the route information of the user and the bank website is obtained based on the time corresponding to the path between the user and the bank website and the at least one path between the user and the bank website, wherein the route information comprises the path of the path and the time of the path. Further, route information with the shortest route time in the route information can be determined to be a recommended route, and the recommended route can be pushed to a banking application of the terminal.

In the embodiment, the recommended route is obtained through the position information of the user and the position of the banking website, so that the user can go to the banking website by himself according to the inquired recommended route, and the resource transfer efficiency is improved.

In one embodiment, as shown in fig. 3, there is provided a resource transfer method based on a banking application, in which a scenario of money identification and exchange rate presentation is explained, the method comprising:

s302, responding to a query request for resource transfer triggered by a bank application, and acquiring a resource image of a resource to be transferred.

Wherein the query request includes: reference resources, target resources, and user location information.

S304, dividing the resource image based on the resource division model and the edge characteristics of each target in the image.

S306, inputting the sub-images of the resources obtained by segmentation into a resource type identification model to obtain the types of the resources corresponding to the sub-images.

S308, obtaining the type of the resource to be transferred according to the type of the resource corresponding to the sub-image of each resource.

S310, generating at least one resource set of the resources to be transferred in response to the confirmation operation of the number of the resources to be transferred by the user and at least one type of the resources to be transferred.

Wherein the set of resources to be transferred includes a reference resource and a target resource.

S312, packaging the resource set of the resources to be transferred to obtain the request information of resource transfer.

And S314, determining candidate banking outlets according to the user position information.

S316, comparing the resource value of the reference resource with the upper limit value of the reference resource value in the candidate bank website.

And S318, if the resource value of the reference resource does not exceed the upper limit value of the resource value of the reference resource, comparing the resource value of the target resource with the upper limit value of the target resource value in the candidate bank website.

And S320, if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate bank node as the target bank node for resource transfer.

S322, sequencing the ratio of the reference resource to the target resource in the banking outlets of the resource transfer to obtain a resource ratio sequencing result of the banking outlets of the resource transfer.

Wherein the transfer policy includes a ratio of the reference resource to the target resource, and a consumed resource value consumed by the resource conversion.

S324, sorting the consumed resource values consumed by the resource conversion in the banking outlets of the resource transfer, and obtaining a sorting result of the consumed resource values of the banking outlets of the resource transfer.

S326, generating a bank website recommendation list of the resource transfer according to the resource ratio sequencing result of the bank website of each resource transfer and the sequencing result of the consumption resource value of the bank website of each resource transfer, and pushing the bank website recommendation list of the resource transfer to the bank application.

S328, responding to the confirmation operation of the user on the resource transfer banking site recommendation list, and generating a recommended route according to the position information of the resource transfer banking site and the user position information in the resource transfer banking site recommendation list.

S330, pushing a recommended route to the bank application of the terminal.

In this embodiment, a query request for resource transfer triggered by a banking application is responded, where the query request includes a reference resource, a target resource and user location information, and a user can quickly initiate the resource transfer request through the banking application without the need for the banking to go to a business hall or an organization in person for query. And determining candidate banks according to the user position information, screening candidate banking sites according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking site with transferred resources, and screening a plurality of banking sites so as to facilitate the follow-up recommendation of the banking sites to users, thereby reducing the screening range and improving the recommendation efficiency. Based on a transfer strategy of a reference resource and a target resource in a target bank website, generating a bank website recommendation list for resource transfer, and pushing the bank website recommendation list to a bank application.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource transfer device based on the bank application, which is used for realizing the resource transfer method based on the bank application. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in the embodiments of one or more resource transfer devices based on banking application provided below may be referred to the limitation of the resource transfer method based on banking application hereinabove, and will not be repeated here.

In one embodiment, as shown in fig. 4, there is provided a resource transfer device based on a banking application, including: a response module 402, a processing module 404, a screening module 406, and a recommendation module 408, wherein:

a response module 402, configured to respond to a query request for resource transfer triggered by a banking application, where the query request includes: reference resources, target resources, and user location information;

a processing module 404, configured to determine candidate banking outlets according to the user location information;

a screening module 406, configured to screen candidate banking outlets according to the resource value of the reference resource and the resource value of the target resource in the request message, to obtain at least one target banking outlet for transferring the resource;

the recommending module 408 is configured to generate a banking point recommending list for transferring resources based on a transfer policy of the reference resource and the target resource in the target banking point, and push the banking point recommending list to the banking application.

In one embodiment, the response module 402 is further configured to obtain a resource image of a resource to be transferred in response to a query request for resource transfer triggered by a banking application; image recognition is carried out on the resources to be transferred of the user, and at least one type of the resources to be transferred is obtained; responding to the confirmation operation of the number of the resources to be transferred by the user and at least one type of the resources to be transferred, generating at least one group of resource sets of the resources to be transferred, wherein the resource sets of the group of resources to be transferred comprise a reference resource and a target resource; and packaging the resource set of the resources to be transferred to obtain the request information of resource transfer.

In one embodiment, the response module 402 is further configured to segment the resource image based on the resource segmentation model and edge features of each object in the image; inputting the sub-images of the resources obtained by segmentation into a resource type identification model to obtain the types of the resources corresponding to the sub-images; and obtaining the type of the resource to be transferred according to the type of the resource corresponding to the sub-image of each resource.

In one embodiment, the screening module 406 is further configured to compare the resource value of the reference resource with an upper limit value of the reference resource value in the candidate banking website; if the resource value of the reference resource does not exceed the upper limit value of the resource value of the reference resource, comparing the resource value of the target resource with the upper limit value of the target resource value in the candidate bank website; and if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate banking website as the target banking website for transferring the resource.

In one embodiment, the recommendation module 408 is further configured to sort the ratio of the reference resource to the target resource in the banking outlets of the resource transfers, so as to obtain a resource ratio sorting result of the banking outlets of the resource transfers; sequencing consumed resource values consumed by resource conversion in the banking outlets of the resource transfer to obtain sequencing results of the consumed resource values of the banking outlets of the resource transfer; and generating a banking point recommendation list of the resource transfer according to the resource ratio sequencing result of the banking points of each resource transfer and the sequencing result of the consumption resource value of the banking points of each resource transfer, and pushing the banking point recommendation list of the resource transfer to the banking application.

In one embodiment, the resource transfer device based on the banking application further comprises: the generation module is used for responding to the confirmation operation of the user on the resource transfer bank website recommendation list and generating a recommendation route according to the position information of the resource transfer bank website and the user position information in the resource transfer bank website recommendation list; and pushing the recommended route to the banking application of the terminal.

The various modules in the bank application-based resource transfer device described above may be implemented in whole or in part by software, hardware, and combinations thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 5. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is for storing query request data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program, when executed by a processor, implements a resource transfer method based on a banking application.

It will be appreciated by those skilled in the art that the structure shown in fig. 5 is merely a block diagram of some of the structures associated with the present application and is not limiting of the computer device to which the present application may be applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored therein a computer program, the processor when executing the computer program performing the steps of:

and generating a banking point recommendation list for resource transfer based on a transfer strategy of the reference resource and the target resource in the target banking point, and pushing the banking point recommendation list to the banking application.

In one embodiment, the processor when executing the computer program further performs the steps of:

image recognition is carried out on the resources to be transferred of the user, and at least one type of the resources to be transferred is obtained;

responding to the confirmation operation of the number of the resources to be transferred by the user and at least one type of the resources to be transferred, generating at least one group of resource sets of the resources to be transferred, wherein the resource sets of the group of resources to be transferred comprise a reference resource and a target resource;

and packaging the resource set of the resources to be transferred to obtain the request information of resource transfer.

dividing the resource image based on the resource division model and the edge characteristics of each target in the image;

and if the resource value of the target resource does not exceed the upper limit value of the resource value of the target resource, determining the current candidate banking website as the target banking website for transferring the resource.

and generating a banking point recommendation list of the resource transfer according to the resource ratio sequencing result of the banking points of each resource transfer and the sequencing result of the consumption resource value of the banking points of each resource transfer, and pushing the banking point recommendation list of the resource transfer to the banking application.

responding to the confirmation operation of the user on the resource transfer bank website recommendation list, and generating a recommendation route according to the position information of the resource transfer bank website and the user position information in the resource transfer bank website recommendation list;

and pushing the recommended route to the banking application of the terminal.

In one embodiment, a computer readable storage medium is provided having a computer program stored thereon, which when executed by a processor, performs the steps of:

In one embodiment, the computer program when executed by the processor further performs the steps of:

and pushing the recommended route to the banking application of the terminal.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, performs the steps of:

and pushing the recommended route to the banking application of the terminal.

It should be noted that, the user information (including, but not limited to, user equipment information, user personal information, etc.) and the data (including, but not limited to, data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use, and processing of the related data are required to meet the related regulations.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the various embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magnetic random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (Phase Change Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in the form of a variety of forms, such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), and the like. The databases referred to in the various embodiments provided herein may include at least one of relational databases and non-relational databases. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic units, quantum computing-based data processing logic units, etc., without being limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The above examples only represent a few embodiments of the present application, which are described in more detail and are not to be construed as limiting the scope of the present application. It should be noted that it would be apparent to those skilled in the art that various modifications and improvements could be made without departing from the spirit of the present application, which would be within the scope of the present application. Accordingly, the scope of protection of the present application shall be subject to the appended claims.

Claims

1. A method for transferring resources based on a banking application, the method comprising:

2. The method of claim 1, wherein the query request in response to the resource transfer triggered by the banking application comprises:

3. The method according to claim 2, wherein the performing image recognition on the resource to be transferred of the user to obtain at least one type of the resource to be transferred includes:

4. The method according to claim 1, wherein the screening the candidate banking node according to the resource value of the reference resource and the resource value of the target resource in the request message to obtain at least one target banking node for transferring resources includes:

5. The method of claim 1, wherein the migration policy includes a ratio of the reference resource to the target resource and a consumption resource value consumed by a resource conversion, wherein the generating a banking point recommendation list for a resource migration based on the migration policy of the reference resource and the target resource in the banking point for the resource migration and pushing the banking point recommendation list for the resource migration to the banking application includes:

6. The method of claim 5, wherein the method further comprises:

pushing the recommended route to the banking application of the terminal.

7. A resource transfer apparatus based on a banking application, the apparatus comprising:

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any of claims 1 to 6 when the computer program is executed.

9. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 6.