WO2019196254A1

WO2019196254A1 - Electronic resource packet processing method and apparatus, terminal device and medium

Info

Publication number: WO2019196254A1
Application number: PCT/CN2018/097454
Authority: WO
Inventors: 兰楠; 郑明钟; 易加仁; 周鹏华
Original assignee: 平安科技（深圳）有限公司
Priority date: 2018-04-10
Filing date: 2018-07-27
Publication date: 2019-10-17
Also published as: CN108765144A; CN108765144B

Abstract

The present solution provides an electronic resource packet processing method and apparatus, a terminal device and a medium, and is applicable to the field of Internet technology. The method comprises: acquiring the number of resources authorized by a resource sender; discovering a matching associated financial product in a pre-docked online trading platform, , and purchasing the financial product of that equivalent to the number of resources; acquiring product purchase information related to the financial product, and writing the product purchase information into an electronic resource packet; sending the electronic resource packet to a resource receiver; upon detection of an extraction operation on the electronic resource packet by the resource receiver, reading user information concerning the resource receiver; changing the share ownership of the financial product in the online trading platform according to the user information, and displaying the product purchase information on a terminal interface of the resource receiver. In this solution, the content of an electronic resource packet is changed from currency to a financial product, and a user can obtain the ownership of a certain share of a financial product without logging in to a trading platform, thereby reducing operation complexity.

Description

Method, device, terminal device and medium for processing electronic resource package

This application claims priority to Chinese Patent Application No. 201101315727.7, entitled "Processing Method, Terminal Equipment and Medium for Electronic Resource Kits", filed on April 10, 2018, the entire contents of which are incorporated by reference. In this application.

Technical field

The present application belongs to the field of Internet technologies, and in particular, to a method, an apparatus, a terminal device, and a medium for processing an electronic resource package.

Background technique

With the increasing popularity of Internet technology, electronic red envelopes occupy a more important position in the daily consumption and entertainment of users. Through third-party payment tools such as Alipay, Tenpay and WeChat payment, users can get rid of the traditional mode of “paper red envelope + cash”, distribute red envelopes to customers, friends, relatives or shoppers anytime, anywhere, or indirectly perform transfer operations. Therefore, the electronic red envelope has been welcomed by the masses.

In the actual use of the electronic red envelope, according to its own transfer requirements, the user can set the preset amount information as the inclusion of the electronic red envelope. When someone clicks on the electronic red envelope, the amount of the electronic wallet equivalent to the inclusion can be obtained. However, just because the electronic red envelopes in the prior art are only used to carry the amount information of the money, the inclusion thereof is relatively simple, and the entertainment of the electronic red envelope cannot be further improved, and it is difficult to meet the individual needs of the user. In addition, in the field of wealth management product investment, although users can use the electronic wallet to purchase their own financial wealth management products, investors can only use the pre-import after registering the registered financial transaction platform account and binding their own electronic wallet. Financial products are purchased in the currency of the electronic wallet. Therefore, the purchase method of the existing wealth management products has a problem of high operational complexity, thereby reducing the transaction efficiency of the financial products.

technical problem

In view of this, the embodiments of the present application provide a method, an apparatus, a terminal device, and a medium for processing an electronic resource package, so as to solve the problem that the existing wealth management product purchase method has high operation complexity and low transaction efficiency.

Technical solution

A first aspect of the embodiments of the present application provides a method for processing an electronic resource package, including:

Obtain the number of resources authorized by the resource sender;

In the pre-docking online trading platform, matching the financial product associated with the resource sender, and purchasing the financial product equivalent to the quantity of the resource;

Obtaining product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;

Sending the electronic resource package to a resource receiver;

Reading the user information of the resource receiver when detecting the extraction operation of the electronic resource package by the resource receiver;

Determining, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource receiver Terminal interface.

A second aspect of the embodiments of the present application provides an apparatus for processing an electronic resource package, including:

a first acquiring unit, configured to acquire a quantity of resources authorized by a resource sender;

a purchasing unit, configured to match the financial product associated with the resource sender in a pre-docking online trading platform, and purchase the financial product equivalent to the quantity of the resource;

a second obtaining unit, configured to acquire product purchase information related to the financial product, and write the product purchase information into an electronic resource package;

a sending unit, configured to send the electronic resource package to a resource receiver;

a reading unit, configured to read user information of the resource receiver when detecting an extraction operation of the electronic resource package by the resource receiver;

a change unit, configured to change, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and display the product purchase information in the online transaction platform The terminal interface of the resource receiver.

A third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer The steps of the method of processing the electronic resource bundle as described in the first aspect are implemented when the instruction is read.

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, the computer readable instructions being executed by a processor to implement the first aspect as described in the first aspect The steps of the method of processing the electronic resource bundle.

Beneficial effect

In the embodiment of the present application, by acquiring the quantity of resources authorized by the resource sender, automatically purchasing a financial product equivalent to the quantity of the resource, and writing the product purchase information related to the financial product into the electronic resource package, so that the resource receiver After receiving the electronic resource package distributed by others, the financial product given by the resource sender can be obtained, instead of simply receiving the money and currency information of the resource sender, thus realizing the inclusion of the electronic resource package The value of the money currency is changed to the financial product in the actual sense, so the problem of the single inclusion of the electronic resource package in the prior art is solved. When the resource receiver wants to purchase the wealth management product, the method provided by the embodiment of the present application can meet the actual consumption demand of the user and achieve the effect of intelligent financial management; for the user, the user can obtain a certain amount without logging in to the transaction platform. Financial products that share rights, thus reducing operational complexity, thereby increasing the transaction efficiency of financial products.

DRAWINGS

1 is a flowchart of an implementation of a method for processing an electronic resource package according to an embodiment of the present application;

2 is a specific implementation flowchart of a method for processing an electronic resource package S105 according to an embodiment of the present application;

FIG. 3 is a specific implementation flowchart of a method for processing an electronic resource package S102 according to an embodiment of the present application;

FIG. 4 is a flowchart of another specific implementation of the method for processing an electronic resource package S102 according to an embodiment of the present application;

FIG. 5 is a structural block diagram of an apparatus for processing an electronic resource package according to an embodiment of the present application;

FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application.

Embodiments of the invention

In order to explain the technical solutions described in the present application, the following description will be made by way of specific embodiments.

FIG. 1 shows an implementation flow of a method for processing an electronic resource package provided by an embodiment of the present application, where the method process includes steps S101 to S106. The specific implementation principles of each step are as follows:

S101: Obtain the quantity of resources authorized by the resource sender.

In the embodiment of the present application, the resource sender sends an electronic resource packet sending instruction to the terminal device, so that the terminal device displays the resource quantity setting page. After the resource quantity setting page receives the number of resources input by the resource sender, the bank card and the authorization password bound by the resource sender are authenticated. When the authentication is successful, the current number of resources received is determined as the number of resources authorized by the resource sender. The quantity of resources represents the value of the red envelope amount paid by the resource sender.

Preferably, if the number of detected resources is greater than a preset threshold, the resource sender is prompted to reset the resource quantity.

S102: Match, in the pre-docking online trading platform, the financial product associated with the resource sender, and purchase the financial product equivalent to the quantity of the resource.

In the embodiment of the present application, the docking interface provided in advance is connected to the online trading platform. The above online trading platform is an internet financial product trading platform, which is used to provide trading services for precious metal wealth management products such as currency funds, stock funds, hybrid funds, gold and silver, and other financial wealth management products.

In the pre-docking online trading platform, according to the multi-type financial products provided by it, the purchase request for one or more types of financial products is automatically initiated, and the share value of the purchased various financial products is equivalent to The number of resources authorized by the above resource sender. Preferably, the automatically purchased financial product is specifically: detecting characteristic attributes of various financial products sold by the online trading platform, thereby automatically identifying a class having a greater correlation with the user image data of the resource sender or After a multi-category financial product, a purchase request for these financial products is issued.

When the response information returned by the online trading platform is detected, the amount of resources authorized by the resource sender is transferred to the platform account of the online trading platform to complete the purchase operation of the financial product.

S103: Obtain product purchase information related to the financial product, and write the product purchase information into an electronic resource package.

When the financial product purchase operation is completed, the product purchase information returned by the online trading platform is obtained. The above product purchase information includes but is not limited to financial product name, type, share value, and purchase date.

In the embodiment of the present application, an electronic resource package is generated, and the product purchase information returned by the online transaction platform is written into the electronic resource package as a bearer of the electronic resource package.

S104: Send the electronic resource package to a resource receiver.

In the buddy list displayed by the terminal device of the resource sender, the resource receiver selected by the resource sender is detected. The electronic resource package carrying the product purchase information described above is sent to the resource receiver. The resource receiver may be a single user object or a group object.

S105: If detecting, by the resource receiver, an extraction operation of the electronic resource package, reading user information of the resource receiver.

After the electronic resource package is sent to the resource receiver, the electronic resource package will be displayed in the terminal device of the resource receiver in the form of a preset identification pattern. If it is detected that the resource receiver issues a selection instruction to the preset identification pattern, it is determined that the extraction operation of the electronic resource package is triggered. At this time, the terminal device of the resource receiver reads the preset user information corresponding to the current terminal login account, or pops up a prompt window to prompt the resource receiver to input its own user information. The user information includes a user name, an identity code, and a wealth management account information.

In this embodiment of the present application, the user information uploaded by the resource receiver terminal device is received.

As an embodiment of the present application, FIG. 2 shows another specific implementation flow of the processing method S105 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:

S1051: When detecting, by the resource receiver, an extraction operation of the electronic resource package, displaying a first option control and a second option control; the first option control is configured to trigger an electronic resource resource withdrawal event, where The two option control is used to trigger the collection event of the electronic resource bundle bearer.

In the embodiment of the present application, when detecting that the resource receiver sends a selection instruction to the preset identification pattern for indicating the electronic resource package, the user information of the resource recipient is not directly acquired, but at least two are generated on the terminal interface thereof. Option controls, including the first option control and the second option control. The prompt information related to the cash withdrawal event is identified on the first option control, and the prompt information related to the receiving event of the electronic resource bundle bearer is identified on the second option control. For example, the identifier "cash" is displayed on the first option control, and the identifier "gifts received" is displayed on the second option control.

S1052: When detecting a touch operation on the first option control, selling the financial product on the online trading platform, and depositing the obtained sales amount into a preset account of the resource recipient.

When receiving the selection instruction based on the first option control issued by the terminal device of the resource receiver, the value of the market sales amount of the financial product purchased at the current time authorized by the resource sender in the pre-docked online trading platform, The financial product is subjected to a sell-off process to convert the pre-purchased financial product of the above-mentioned share into an equivalent electronic money, and then deposit it into the default account of the resource-receiving platform.

Preferably, when the touch operation on the first option control is detected, if the condition setting instruction issued by the terminal device of the resource receiver is received, the selling condition carried by the condition setting instruction is read. Among them, the selling conditions include, but are not limited to, the preset selling time and the sales value. If the selling condition includes the preset selling time, the financial product is sold and the selling amount is deposited into the default account when the preset selling time arrives; if the selling condition includes the selling value, every preset The time interval calculates the estimated total sales of financial products based on the market sales order value of the financial product at the current moment. The financial product is sold and the sales amount is deposited into the default account only when the estimated total sales amount is greater than or equal to the sales value.

Preferably, after the sale amount is stored in the preset account, the withdrawal completion prompt information is returned to the resource recipient.

S1053: When detecting a touch operation on the second option control, reading user information of the resource receiver.

When receiving the selection instruction based on the second option control sent by the terminal device of the resource receiver, determining that the resource receiver needs to receive the value gift given by the resource sender, at this time, the user information of the resource receiver is read. To perform subsequent gift share transfer operations.

In the embodiment of the present application, when the extraction operation of the electronic resource package by the resource receiver is detected, the first option control for triggering the cash withdrawal event and the second option control for triggering the bearer receiving event are displayed, so that the resource is received. The party can further determine the resource extracts that it needs, improve the flexibility of selection of electronic resource packages, and avoid the need for resource recipients to log in to the online trading platform to perform the sale of financial products when receiving product purchase information of financial products. Therefore, the cumbersomeness of the electronic resource package cash withdrawal operation is reduced.

S106: According to the user information, in the online transaction platform, changing a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource The terminal interface of the receiver.

In the embodiment of the present application, when the user information of the resource receiver is read, the share authority change request is sent to the online transaction platform, and the user information of the resource receiver is uploaded to the online transaction platform. In the online trading platform, according to the received user information and the product purchase information of the resource sender obtained in advance, the share right of the purchased financial product is changed from the resource sender to the resource receiver, and the product purchase information is updated together After the updated product purchase information is sent to the terminal device of the resource receiver, the terminal device of the resource receiver displays the product purchase information.

The embodiment of the present application implements the problem that the inclusion of the electronic resource package is changed from the money currency to the financial product in the actual sense, thereby solving the problem that the electronic resource package inclusion in the prior art is single. When the resource receiver wants to purchase the wealth management product, the method provided by the embodiment of the present application can meet the actual consumption demand of the user and achieve the effect of intelligent financial management; for the user, the user can obtain a certain amount without logging in to the transaction platform. Financial products that share rights, thus reducing operational complexity, thereby increasing the transaction efficiency of financial products.

As an embodiment of the present application, FIG. 3 shows a specific implementation process of the processing method S102 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:

S1021: Acquire user image data of the resource sender.

After receiving the number of resources authorized by the resource sender, the requesting resource sender uploads its user portrait data. The user portrait data includes, but is not limited to, the annual income status of the resource sender and the investment field information, and the historical purchase record of the resource sender in the online trading platform is taken as one of the user portrait data. The above investment field information is the investment field of financial products that resource senders have recently paid more attention to, such as stocks, funds, precious metals, and national debt.

S1022: Perform analysis processing on the user portrait data, and determine, according to a result of the analysis processing, a first financial product that matches the user portrait data from a plurality of the financial products provided by the online trading platform.

In the embodiment of the present application, the analysis processing of the user portrait data is performed to determine an annual income preset interval to which the resource sender's annual income value belongs and a type of the financial product that determines the most purchases in the historical purchase record. After the big data analysis algorithm analyzes the above user image data, the target investment product of the resource sender can be predicted, that is, the product of the financial product authorized by the resource sender to be purchased in the online trading platform is determined.

Specifically, the predetermined annual income pre-set interval, the type of financial products with the most purchases in the historical purchase record, and the investment field information are imported into a preset Long Short-Term Memory (LSTM) model. To adjust various parameters in the LSTM neural network model. The adjustment model of the learning parameters of the above LSTM neural network model is as follows:

Wherein the input I _n represents a parameter LSTM training the neural network model, for example, I ₁ A user purchase history record types to buy the highest number of financial products; I ₂ user A is the area of investment information; I ₃ Pre-set the interval for user A's annual income; the above user A is the user who knows the target investment product information. The above S is the predicted product of the financial product, θ is the learning parameter, p(S|I ₁ , I ₂ , I ₂ , ..., I _n ; θ) is the correct probability value for the prediction result, and θ ^* is the correct The learning parameter corresponding to the LSTM model when the probability value is taken as the maximum.

Through the above adjustment model, the θ ^* value of the LSTM neural network model is determined to obtain the LSTM neural network model after training. At this time, the user image data corresponding to the resource senders in the above I ₁ , I ₂ , I ₂ , . . . , I _n is respectively imported into the LSTM neural network model, so that the LSTM neural network model outputs the corresponding S value, that is, The variety of financial products authorized by the resource sender to be purchased in the online trading platform.

S1023: Purchase the first financial product, and make the purchase amount of the first financial product equivalent to the quantity of the resource.

According to the above-identified product of the financial product matching the user image data of the resource sender, in the online trading platform, a purchase request for the financial product of the above-mentioned variety is initiated, and the share value of the purchased financial product is acquired. The price is the amount of resources authorized by the above resource sender.

In the embodiment of the present application, the user image data of the resource sender is obtained to predict the financial product to be purchased according to the user image data, so that the financial product automatically purchased by the system can meet the purchase habit of the resource sender, and ensure The product purchase information contained in the e-resource package reflects its recommended type of financial product.

In another scenario, in step S102, in the pre-docking online trading platform, the financial product associated with the resource sender is matched, and the financial product equivalent to the quantity of the resource is purchased, including Obtaining user image data of the resource receiver; analyzing and processing the user portrait data to determine, according to the result of the analysis processing, matching the user portrait data of the resource receiver from the plurality of financial products provided by the online trading platform The financial product; purchase of the financial product, and the purchase amount of the financial product is equivalent to the quantity of the resource, thereby ensuring that the purchased financial product can satisfy the personalized consumption demand of the resource recipient. The implementation principle of the steps not mentioned in this embodiment is the same as the implementation principle of the steps mentioned in the previous embodiments, and therefore will not be further described.

As another embodiment of the present application, FIG. 4 shows another specific implementation flow of the processing method S102 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:

S1024: Acquire user image data of the resource sender and the resource receiver respectively.

S1025: determining, in a plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender and user image data of the resource receiver Match the second financial product.

As an implementation example of the present application, if the user portrait data includes the user's financial product browsing record, such as browsing the duration of the page or the frequency of browsing, according to the browsing duration or the browsing frequency of the display page of each financial product, The financial products are sorted and the top ranked financial products are identified as financial products that match the user's user portrait data. Therefore, based on the above manner, after acquiring the user image data of the resource sender and the resource receiver, the first financial product matching the user image data of the resource sender and the user portrait data of the resource receiver can be determined to match. The second financial product.

As another implementation example of the present application, the first financial product matching the user image data of the resource sender may also be determined based on the training manner of the LSTM model mentioned in the foregoing embodiment and the parameter import manner; similarly, The second financial product matching the user portrait data of the resource sender is determined based on the training mode of the LSTM model mentioned in the above embodiment and the parameter importing manner.

S1026: Obtain an investment risk value of the first financial product and the second financial product, respectively, and purchase a financial product in which the investment risk value is lower, and make the purchase amount of the financial product equivalent to the resource. Quantity.

Each financial product offered by the online trading platform has a corresponding investment risk value. The investment risk value is pre-evaluated based on factors such as the rate of return of financial products over the past period of time, dividends, and the economic environment in which the investment is located. The investment risk value of the first financial product and the second financial product in the above step S1025 is respectively determined according to the preset relationship between the financial product and the investment risk value.

By comparing the size relationship between the investment risk value of the first financial product and the second financial product to determine a financial product with a relatively low investment risk value, in the online trading platform, a purchase request for the financial product is initiated, and the purchase is initiated. The share value of the financial product entered is equivalent to the amount of resources authorized by the above-mentioned resource sender.

In the embodiment of the present application, because different users prefer different investment methods, some users prefer financial products with high risk and high profit, some users prefer financial products with low risk, and the product purchase information included in the electronic resource package is for gift For the resource receiver, therefore, by acquiring the user image data of the resource sender and the resource receiver, the first financial product matching the user image data of the resource sender is initially determined and the user portrait data of the resource receiver is matched. The second financial product, in turn, purchases a financial product with a lower investment risk value, ensuring that the recipient of the resource recipient can obtain financial products with relatively safe and stable income, realize the rational transaction of financial products, and achieve intelligent financial management. effect.

As another embodiment of the present application, in the foregoing step S104, when the electronic resource package is sent to the resource receiver, if the number of simultaneously transmitted electronic resource packets is greater than or equal to two, the processing of the electronic resource package The method also includes:

And for any of the electronic resource packages, if no extraction operation of the electronic resource package by any user is detected within a preset time period, the online transaction is performed according to the product purchase information carried by the electronic resource package. In the platform, selling the financial product that matches the product purchase information; obtaining the number of the electronic resource packages that have been received, and randomly dividing the sales amount corresponding to the financial product into multiple rewards of the same number Gold; in accordance with the numerical value of the bonus, each of the bonus funds is sequentially stored in a preset account of the resource recipient of the electronic resource package that has been extracted, so that the electronic resource package The bonus amount allocated by the resource receiver whose acquisition time is earlier is greater than the resource receiver whose electronic resource resource collection time is later.

Specifically, the resource sender may simultaneously issue K (K is an integer greater than 1) electronic resource packets in the group, and when the electronic resource packet extraction instruction issued by K different users is respectively detected, the user is It is determined as a resource receiver, and the above product purchase information is sent to the resource receiver.

In the embodiment of the present application, if the resource sender sends K electronic resource packets simultaneously in the group and only determines L (L<K) resource receivers within the preset time length, then (KL) electronic resource packets are shared. Not extracted. At this time, in the (KL) electronic resource package, according to the product purchase information carried by each electronic resource package, in the online trading platform, the financial products matching the product purchase information are sold in real time to obtain (KL) The total amount obtained after the withdrawal of the electronic resource package, that is, the sales amount.

According to the total number of electronic resource packages that have been collected, the above-obtained sales amount is randomly divided into the same number of bonuses as the number. For example, in the above example, the total number of electronic resource bundles that have been received is L, and the sales amount is randomly divided into L shares, and each of the sales amount is a bonus. In the embodiment of the present application, each resource receiver is used as a reward party. Each reward party is assigned a bonus. Specifically, a bonus is deposited into a preset account of a resource recipient.

Further, when the extraction instruction corresponding to each electronic resource package is detected, the extraction time of the electronic resource package is recorded, so that the correspondence between the extraction time and its resource receiver is stored. If there is still an undrawn electronic resource package in the K electronic resource packets simultaneously sent by the resource sender after the preset time period is exceeded, the corresponding relationship between the stored resource receivers and the extraction time is read. Sort numbers are assigned to each resource receiver according to the order of extraction time. At the same time, according to the amount of the amount of each bonus, the awards are sorted. Each bonus is deposited into the default account of the resource recipient with the same number.

In the embodiment of the present application, for the electronic resource package that has not been extracted, by selling it to obtain the corresponding sales amount, and dividing all the obtained sales amount into multiple rewards, according to the amount of the bonus amount, The bonus is allocated to the resource receiver of the extracted electronic resource package, ensuring that the amount of resources authorized by the resource sender can be reasonably allocated without being wasted, and the resource receiver can only obtain when the extraction speed is fast. A higher amount of rewards also increases the entertainment of the e-resource pack.

It should be understood that the size of the sequence of the steps in the above embodiments does not mean that the order of execution is performed. The order of execution of each process should be determined by its function and internal logic, and should not be construed as limiting the implementation process of the embodiments of the present application.

Corresponding to the processing method of the electronic resource package described in the foregoing embodiment, FIG. 5 is a structural block diagram of the processing apparatus of the electronic resource package provided by the embodiment of the present application. For the convenience of explanation, only the parts related to the present embodiment are shown.

Referring to Figure 5, the apparatus includes:

The first obtaining unit 51 is configured to acquire the quantity of resources authorized by the resource sender. The purchasing unit 52 is configured to match the financial product associated with the resource sender in a pre-docted online trading platform, and purchase the financial product equivalent to the quantity of the resource. The second obtaining unit 53 is configured to acquire product purchase information related to the financial product, and write the product purchase information into the electronic resource package. The sending unit 54 is configured to send the electronic resource package to a resource receiver. The reading unit 55 is configured to read user information of the resource receiver when detecting an extraction operation of the electronic resource package by the resource receiver. a change unit 56, configured to change, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and display the product purchase information in the online transaction platform The terminal interface of the resource receiver.

Optionally, the purchasing unit 52 includes: a first acquiring subunit, configured to acquire user portrait data of the resource sender. a first determining subunit, configured to perform analysis processing on the user portrait data, and determine, according to a result of the analyzing process, matching the user portrait data from a plurality of the financial products provided by the online trading platform The first financial product. a first purchase subunit for purchasing the first financial product and making the purchase amount of the first financial product equivalent to the quantity of the resource.

Optionally, the purchasing unit 52 includes: a second acquiring subunit, configured to respectively acquire user image data of the resource sender and the resource receiver. a second determining subunit, configured to determine, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender, and the resource The recipient's user portrait data matches the second financial product. a second purchase subunit, configured to separately acquire investment risk values of the first financial product and the second financial product, and purchase a financial product in which the investment risk value is low, and purchase the financial product The amount is equivalent to the amount of the resource.

Optionally, the reading unit 55 includes: a display subunit, configured to display a first option control and a second option control when detecting an extraction operation of the electronic resource package by the resource receiver; The first option control is used to trigger an electronic resource resource withdrawal event, and the second option control is used to trigger a collection event of the electronic resource resource carrier. Selling a subunit for selling the financial product on the online trading platform when the touch operation on the first option control is detected, and depositing the obtained sales amount into the resource receiving party Set up an account. The reading subunit is configured to read user information of the resource receiver when detecting a touch operation on the second option control.

Optionally, when the sending the electronic resource package to the resource receiver, if the electronic resource package is simultaneously sent by two or more, the processing device of the electronic resource package further includes:

a selling unit, configured to: for any electronic resource package, if the extraction operation of the electronic resource package by any user is not detected within a preset time period, according to the product purchase information carried by the electronic resource package, In the online trading platform, the financial product that matches the product purchase information is sold.

And a third obtaining unit, configured to acquire the number of the electronic resource packages that have been received, and randomly divide the sales amount corresponding to the financial product into multiple rewards with the same number.

An allocating unit, configured to sequentially store each of the bonus funds into a preset account of the resource recipient of the electronic resource package that has been extracted according to the value of the bonus amount, so that The bonus amount allocated by the resource receiver whose electronic resource resource collection time is earlier is greater than the resource receiver whose electronic resource resource collection time is later.

FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in FIG. 6, the terminal device 6 of this embodiment includes a processor 60 and a memory 61 in which computer readable instructions 62, such as an electronic resource package, executable on the processor 60 are stored. Processing program. When the processor 60 executes the computer readable instructions 62, the steps in the foregoing method for processing various electronic resource packages are implemented, such as steps 101 to 106 shown in FIG. Alternatively, the processor 60, when executing the computer readable instructions 62, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the units 51-56 shown in FIG.

Illustratively, the computer readable instructions 62 may be partitioned into one or more modules/units that are stored in the memory 61 and executed by the processor 60, To complete this application. The one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function, the instruction segments being used to describe the execution of the computer readable instructions 62 in the terminal device 6.

The terminal device 6 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server. The terminal device may include, but is not limited to, the processor 60 and the memory 61. It will be understood by those skilled in the art that FIG. 6 is only an example of the terminal device 6, and does not constitute a limitation of the terminal device 6, and may include more or less components than those illustrated, or combine some components or different components. For example, the terminal device may further include an input/output device, a network access device, a bus, and the like.

The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6. The memory 61 may also be an external storage device of the terminal device 6, for example, a plug-in hard disk equipped on the terminal device 6, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 61 may also include both an internal storage unit of the terminal device 6 and an external storage device. The memory 61 is configured to store the computer readable instructions and other programs and data required by the terminal device. The memory 61 can also be used to temporarily store data that has been output or is about to be output.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application, in essence or the contribution to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

The above embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still The technical solutions described in the embodiments are modified, or the equivalents of the technical features are replaced by the equivalents. The modifications and substitutions of the embodiments do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims

A method for processing an electronic resource package, comprising:

Obtain the number of resources authorized by the resource sender;

In the pre-docking online trading platform, matching the financial product associated with the resource sender, and purchasing the financial product equivalent to the quantity of the resource;

Obtaining product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;

Sending the electronic resource package to a resource receiver;

Reading the user information of the resource receiver when detecting the extraction operation of the electronic resource package by the resource receiver;

Determining, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource receiver Terminal interface.
The method for processing an electronic resource package according to claim 1, wherein in the pre-docking online trading platform, the financial product associated with the resource sender is matched and purchased in an equivalent manner. The financial products of the number of resources, including:

Obtaining user image data of the resource sender;

Performing analysis processing on the user portrait data, and determining, according to a result of the analysis processing, a first financial product matching the user portrait data from a plurality of the financial products provided by the online trading platform;

The first financial product is purchased and the purchase amount of the first financial product is equivalent to the quantity of the resource.
The method for processing an electronic resource package according to claim 1, wherein in the pre-docking online trading platform, the financial product associated with the resource sender is matched and purchased in an equivalent manner. The financial products of the number of resources, including:

Obtaining user image data of the resource sender and the resource receiver respectively;

Determining, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender and matching user image data of the resource recipient Second financial product;

Acquiring the investment risk value of the first financial product and the second financial product respectively, and purchasing the financial product in which the investment risk value is low, and making the purchase amount of the financial product equivalent to the quantity of the resource.
The method for processing an electronic resource package according to claim 1, wherein the user information of the resource receiver is read when the resource receiving party detects an extraction operation of the electronic resource package, include:

Displaying a first option control and a second option control when detecting the extraction operation of the electronic resource package by the resource receiver; the first option control is configured to trigger an electronic resource package withdrawal event, the second option The control is used to trigger a collection event of the electronic resource bundle bearer;

When detecting a touch operation on the first option control, selling the financial product on the online trading platform, and depositing the obtained sales amount into a preset account of the resource receiving party;

When the touch operation on the second option control is detected, the user information of the resource receiver is read.
The method of processing an electronic resource bundle according to claim 1, wherein when said electronic resource packet is transmitted to a resource receiver, if said electronic resource packet is simultaneously transmitted, two or more electronic resource packets are simultaneously transmitted. The processing method of the electronic resource package further includes:

And for any of the electronic resource packages, if no extraction operation of the electronic resource package by any user is detected within a preset time period, the online transaction is performed according to the product purchase information carried by the electronic resource package. In the platform, selling the financial product that matches the purchase information of the product;

Obtaining the number of the electronic resource packages that have been received, and randomly dividing the sales amount corresponding to the financial product into multiple rewards with the same number;

According to the numerical value of the bonus, each of the bonus funds is sequentially stored in a preset account of the resource recipient of the electronic resource package that has been extracted, so that the electronic resource package is collected. The reward received by the earlier resource recipient is greater than the resource recipient whose electronic resource pack collection time is later.
An apparatus for processing an electronic resource package, comprising:

a first acquiring unit, configured to acquire a quantity of resources authorized by a resource sender;

a purchasing unit, configured to match the financial product associated with the resource sender in a pre-docking online trading platform, and purchase the financial product equivalent to the quantity of the resource;

a second obtaining unit, configured to acquire product purchase information related to the financial product, and write the product purchase information into an electronic resource package;

a sending unit, configured to send the electronic resource package to a resource receiver;

a reading unit, configured to read user information of the resource receiver when detecting an extraction operation of the electronic resource package by the resource receiver;

a change unit, configured to change, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and display the product purchase information in the online transaction platform The terminal interface of the resource receiver.
The apparatus for processing an electronic resource package according to claim 6, wherein the purchasing unit comprises:

a first acquiring subunit, configured to acquire user portrait data of the resource sender;

a first determining subunit, configured to perform analysis processing on the user portrait data, and determine, according to a result of the analyzing process, matching the user portrait data from a plurality of the financial products provided by the online trading platform First financial product;

a first purchase subunit for purchasing the first financial product and making the purchase amount of the first financial product equivalent to the quantity of the resource.
The apparatus for processing an electronic resource package according to claim 6, wherein the purchasing unit comprises:

a second acquiring subunit, configured to respectively acquire user image data of the resource sender and the resource receiver;

a second determining subunit, configured to determine, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender, and the resource a second financial product that matches the user's portrait data of the recipient;

a second purchase subunit, configured to separately acquire investment risk values of the first financial product and the second financial product, and purchase a financial product in which the investment risk value is low, and purchase the financial product The amount is equivalent to the amount of the resource.
The apparatus for processing an electronic resource package according to claim 6, wherein the reading unit comprises:

a display subunit, configured to display a first option control and a second option control when detecting the extraction operation of the electronic resource package by the resource receiver; the first option control is used to trigger an electronic resource resource withdrawal event The second option control is used to trigger a collection event of the electronic resource package bearer;

Selling a subunit for selling the financial product on the online trading platform when the touch operation on the first option control is detected, and depositing the obtained sales amount into the resource receiving party Set up an account;

The reading subunit is configured to read user information of the resource receiver when detecting a touch operation on the second option control.
The apparatus for processing an electronic resource bundle according to claim 6, wherein when the electronic resource packet is transmitted to the resource receiver, the electronic resource packet simultaneously transmitted is two or more The processing device of the electronic resource package further includes:

a selling unit, configured to: for any electronic resource package, if the extraction operation of the electronic resource package by any user is not detected within a preset time period, according to the product purchase information carried by the electronic resource package, In the online trading platform, selling the financial product that matches the product purchase information;

a third obtaining unit, configured to acquire the number of the electronic resource packages that have been received, and randomly divide the sales amount corresponding to the financial product into multiple rewards with the same number;

An allocating unit, configured to sequentially store each of the bonus funds into a preset account of the resource recipient of the electronic resource package that has been extracted according to the value of the bonus amount, so that The bonus amount allocated by the resource receiver whose electronic resource resource collection time is earlier is greater than the resource receiver whose electronic resource resource collection time is later.
A terminal device, comprising: a memory and a processor, wherein the memory stores computer readable instructions executable on the processor, and the processor implements the following steps when the computer readable instructions are executed :

Obtain the number of resources authorized by the resource sender;

In the pre-docking online trading platform, matching the financial product associated with the resource sender, and purchasing the financial product equivalent to the quantity of the resource;

Obtaining product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;

Sending the electronic resource package to a resource receiver;

Reading the user information of the resource receiver when detecting the extraction operation of the electronic resource package by the resource receiver;

Determining, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource receiver Terminal interface.
The terminal device according to claim 11, wherein in the pre-docking online transaction platform, the financial product associated with the resource sender is matched, and the purchase is equivalent to the quantity of the resource. The financial product includes:

Obtaining user image data of the resource sender;

Performing analysis processing on the user portrait data, and determining, according to a result of the analysis processing, a first financial product matching the user portrait data from a plurality of the financial products provided by the online trading platform;

The first financial product is purchased and the purchase amount of the first financial product is equivalent to the quantity of the resource.
The terminal device according to claim 11, wherein in the pre-docking online transaction platform, the financial product associated with the resource sender is matched, and the purchase is equivalent to the quantity of the resource. The financial product includes:

Obtaining user image data of the resource sender and the resource receiver respectively;

Determining, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender and matching user image data of the resource recipient Second financial product;

Acquiring the investment risk value of the first financial product and the second financial product respectively, and purchasing the financial product in which the investment risk value is low, and making the purchase amount of the financial product equivalent to the quantity of the resource.
The terminal device according to claim 11, wherein the reading the user information of the resource receiver when the resource receiver performs the extraction operation of the electronic resource package comprises:

Displaying a first option control and a second option control when detecting the extraction operation of the electronic resource package by the resource receiver; the first option control is configured to trigger an electronic resource package withdrawal event, the second option The control is used to trigger a collection event of the electronic resource bundle bearer;

When detecting a touch operation on the first option control, selling the financial product on the online trading platform, and depositing the obtained sales amount into a preset account of the resource receiving party;

When the touch operation on the second option control is detected, the user information of the resource receiver is read.
The terminal device according to claim 11, wherein when the electronic resource package is transmitted to the resource receiver, if the electronic resource package simultaneously transmitted is two or more, the The processor further implements the following steps when executing the computer readable instructions:

And for any of the electronic resource packages, if no extraction operation of the electronic resource package by any user is detected within a preset time period, the online transaction is performed according to the product purchase information carried by the electronic resource package. In the platform, selling the financial product that matches the purchase information of the product;

Obtaining the number of the electronic resource packages that have been received, and randomly dividing the sales amount corresponding to the financial product into multiple rewards with the same number;

According to the numerical value of the bonus, each of the bonus funds is sequentially stored in a preset account of the resource recipient of the electronic resource package that has been extracted, so that the electronic resource package is collected. The reward received by the earlier resource recipient is greater than the resource recipient whose electronic resource pack collection time is later.
A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by at least one processor, implement the following steps:

Obtain the number of resources authorized by the resource sender;

In the pre-docking online trading platform, matching the financial product associated with the resource sender, and purchasing the financial product equivalent to the quantity of the resource;

Obtaining product purchase information related to the financial product, and writing the product purchase information into an electronic resource package;

Sending the electronic resource package to a resource receiver;

Reading the user information of the resource receiver when detecting the extraction operation of the electronic resource package by the resource receiver;

Determining, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource receiver Terminal interface.
The computer readable storage medium of claim 16, wherein in the pre-docking online trading platform, the financial product associated with the resource sender is matched and purchased is equivalent to the The number of resources of the financial product, including:

Obtaining user image data of the resource sender;

Performing analysis processing on the user portrait data, and determining, according to a result of the analysis processing, a first financial product matching the user portrait data from a plurality of the financial products provided by the online trading platform;

The first financial product is purchased and the purchase amount of the first financial product is equivalent to the quantity of the resource.
The computer readable storage medium of claim 16, wherein in the pre-docking online trading platform, the financial product associated with the resource sender is matched and purchased is equivalent to the The number of resources of the financial product, including:

Obtaining user image data of the resource sender and the resource receiver respectively;

Determining, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender and matching user image data of the resource recipient Second financial product;

Acquiring the investment risk value of the first financial product and the second financial product respectively, and purchasing the financial product in which the investment risk value is low, and making the purchase amount of the financial product equivalent to the quantity of the resource.
The computer readable storage medium according to claim 16, wherein when the extraction operation of the electronic resource package by the resource receiver is detected, the user information of the resource receiver is read, including :

Displaying a first option control and a second option control when detecting the extraction operation of the electronic resource package by the resource receiver; the first option control is configured to trigger an electronic resource package withdrawal event, the second option The control is used to trigger a collection event of the electronic resource bundle bearer;

When detecting a touch operation on the first option control, selling the financial product on the online trading platform, and depositing the obtained sales amount into a preset account of the resource receiving party;

When the touch operation on the second option control is detected, the user information of the resource receiver is read.
The computer readable storage medium according to claim 16, wherein when the electronic resource package is transmitted to a resource receiver, if the electronic resource package simultaneously transmitted is two or more, The computer readable instructions are then executed by at least one processor to further implement the following steps:

And for any of the electronic resource packages, if no extraction operation of the electronic resource package by any user is detected within a preset time period, the online transaction is performed according to the product purchase information carried by the electronic resource package. In the platform, selling the financial product that matches the purchase information of the product;

Obtaining the number of the electronic resource packages that have been received, and randomly dividing the sales amount corresponding to the financial product into multiple rewards with the same number;

According to the numerical value of the bonus, each of the bonus funds is sequentially stored in a preset account of the resource recipient of the electronic resource package that has been extracted, so that the electronic resource package is collected. The reward received by the earlier resource recipient is greater than the resource recipient whose electronic resource pack collection time is later.