Virtual bill exchange method and device, equipment and storage medium

Abstract

The invention relates to a virtual bill exchange method and device, equipment and a storage medium, and the method comprises the following steps: carrying out the identity analysis of a virtual bill based on an encryption identifier on the virtual bill, and obtaining the identity feature data of the virtual bill; performing clause analysis based on the virtual bill identity feature data to obtain virtual bill clause information; performing quantitative evaluation on the potential exchange value of the virtual bill based on the virtual bill clause information to obtain a virtual bill value evaluation result; performing exchangeable resource matching on the virtual bill by using the virtual bill value evaluation result to obtain a matched exchangeable resource set; and performing exchange execution on the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record, thereby solving the technical problem that the efficiency is low in the actual circulation and exchange process due to the fact that the traditional bill exchange mechanism is difficult to adapt to the digitalization, individuation and instantaneity characteristics of the virtual bill.

Description

Technical Field

[0001] The present invention relates to the field of bill technology, and in particular to a virtual bill exchange method, device, equipment and storage medium. Background Art

[0002] With the rapid development of the digital economy, virtual assets are increasingly being used in finance, commerce, and everyday transactions. Virtual bills, as a key form of virtual assets, are becoming a crucial tool for value transfer and equity redemption between users and institutions. However, traditional bill exchange mechanisms, designed primarily for physical bills, struggle to adapt to the digital, personalized, and instantaneous nature of virtual bills. This leads to low efficiency and complex processes in their actual circulation and exchange.

[0003] Currently, the issuance and use of virtual bills lack unified technical standards and standardized exchange processes. In particular, aspects such as identity verification, clause analysis, and value assessment still rely on manual judgment or semi-automated processing, which not only easily leads to misjudgments and operational risks, but also limits the large-scale promotion and application of virtual bills. Furthermore, due to incompatible resource matching mechanisms between different platforms, cross-system exchange of virtual bills often faces challenges such as information asymmetry and poor resource matching, further impacting user experience and inter-platform collaboration efficiency.

[0004] Therefore, there is an urgent need for a methodology that can automatically resolve the identity of virtual instruments, intelligently analyze terms and conditions, and assess their value, while also supporting efficient resource matching and exchange execution. This will improve the circulation efficiency and utility of virtual instruments. This is not only a key step in promoting standardized management of virtual assets, but also a crucial foundation for building a trusted and efficient digital financial ecosystem. Summary of the Invention

[0005] The main purpose of the present invention is to provide a virtual bill exchange method, which solves the technical problem that the traditional bill exchange mechanism is difficult to adapt to the digital, personalized and immediate characteristics of virtual bills, resulting in low efficiency in the actual circulation and exchange process.

[0006] To achieve the above object, the present invention provides a virtual bill exchange method, comprising the following steps: Performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill; When the virtual bill identity feature data matches the target user, the virtual bill is subjected to clause analysis based on the virtual bill identity feature data to obtain virtual bill clause information; Quantitatively assessing the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value assessment result; Matching the virtual bill with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set; The virtual bill is exchanged according to the matched exchangeable resource set to obtain an exchange completion record.

[0007] Furthermore, performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill includes: Decomposing the encrypted identifier on the virtual bill to obtain decomposed identifier elements, and identifying the issuing source of the virtual bill based on the decomposed identifier elements to obtain issuing source attributes; When the issuing source attribute is that the issuing node of the virtual bill is in a trusted authorized network, the serial number in the virtual bill is extracted to obtain the virtual bill serial number, and the virtual bill is uniquely authenticated based on the virtual bill serial number to obtain virtual bill identity feature data.

[0008] Furthermore, the performing of clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information includes: Locating a clause area of ​​the virtual bill based on the virtual bill identity feature data to obtain a clause positioning area, and extracting clause framework information of the virtual bill based on the clause positioning area; Identifying key clause identifiers of the clause framework information to obtain a key clause identifier set, and extracting the clause details of the virtual bill based on the key clause identifier set to obtain a clause semantic unit set including rights and obligations, constraints, and execution procedures; performing a clause association analysis on the virtual bill based on the clause semantic unit set to obtain a clause association graph, and performing a clause logical integration on the virtual bill based on the clause association graph to obtain logical clause information corresponding to the virtual bill; The virtual bill is subjected to term formatting processing using the logical term information corresponding to the virtual bill to obtain formatted terms, and the term information of the virtual bill is summarized based on the formatted terms to obtain virtual bill term information.

[0009] Furthermore, the quantitative evaluation of the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value evaluation result includes: Performing core clause screening on the virtual bill clause information to obtain a core clause group, and preliminarily determining the value range of the virtual bill based on the core clause group to obtain a virtual bill within a preliminary value range; Performing ancillary clause analysis on the virtual bill within the preliminary value range to obtain ancillary clause impact factor, and adjusting the value range of the virtual bill based on the ancillary clause impact factor to obtain a value fluctuation range; Performing market environment mapping on the virtual bill based on the value fluctuation range to obtain a market environment mapping value, and dynamically modifying the value of the virtual bill based on the market environment mapping value to obtain a real-time value assessment value that dynamically changes in the market; When the trading market of virtual bills experiences abnormal fluctuations or the trading volume shrinks sharply, the virtual bills are discounted for special circumstances on the basis of the real-time value assessment value to obtain the value after the special discount, and the final value is determined based on the value after the special discount to obtain the virtual bill value assessment result.

[0010] Furthermore, the virtual bill is matched with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set, including: Based on the virtual bill value evaluation result, the virtual bill is divided into resource hierarchies to obtain a value-corresponding resource hierarchy, and the resource domain of the virtual bill is screened based on the value-corresponding resource hierarchy to obtain a target resource domain; Evaluating the resource quality of the target resource domain to obtain a resource quality level set, and performing preliminary resource matching on the virtual ticket based on the resource quality level set to obtain a preliminary matching resource set; Performing resource timeliness analysis on the virtual bill based on the preliminary matching resource set to obtain a timeliness-compliant resource set, and performing secondary resource matching on the virtual bill based on the timeliness-compliant resource set to obtain a secondary matching resource set; The virtual bill is subjected to a resource mutual exclusivity check using the secondary matching resource set to obtain a mutually exclusive exclusion resource set, and a final resource determination is performed on the virtual bill based on the mutually exclusive exclusion resource set to obtain a matched redeemable resource set. Furthermore, the method of performing resource mutual exclusivity check on the virtual ticket using the secondary matching resource set to obtain a mutually exclusive exclusion resource set includes: Performing resource characteristic analysis on the virtual bill based on the secondary matching resource set to obtain a resource characteristic set, and performing resource identification classification on the virtual bill based on the resource characteristic set to obtain a resource identification classification result; Performing mutually exclusive type definition on the resource identification classification result to obtain a mutually exclusive type framework, and performing resource matching analysis on the virtual ticket based on the mutually exclusive type framework to obtain a resource matching result; Preliminarily screening mutually exclusive resources of the virtual bill based on the resource matching result to obtain a preliminary set of mutually exclusive resources, and setting a mutual exclusion priority of the virtual bill based on the preliminary set of mutually exclusive resources to obtain a resource set with a mutual exclusion priority identifier; The resource set with the mutually exclusive priority identifier is used to exclude resources from the virtual ticket to obtain a mutually exclusive exclusion resource set.

[0011] Furthermore, the virtual note is exchanged according to the matched exchangeable resource set to obtain an exchange completion record, including: Confirming the exchangeable resources for the virtual bill based on the matched exchangeable resource set to obtain a resource confirmation result, and determining the exchange authority of the virtual bill based on the resource confirmation result to obtain a virtual bill with exchange authority; Performing an exchange operation plan for the virtual note with exchange authority to obtain an exchange operation plan, and evaluating the operational feasibility of the virtual note based on the exchange operation plan to obtain a feasible exchange operation plan; Pre-arranging an exchange transaction for the virtual bill based on the feasible exchange operation plan to obtain pre-arranged transaction information, and checking the transaction integrity of the virtual bill based on the pre-arranged transaction information to obtain a transaction integrity check result; Performing actual exchange promotion on the virtual bill using the transaction integrity check result to obtain an exchange promotion status, and marking the exchange status of the virtual bill based on the exchange promotion status to obtain a virtual bill set with an exchange status identifier; Based on the virtual bill set with the exchange status identifier, an exchange summary of the virtual bill is generated to obtain an exchange summary report, and based on the exchange summary report, the integrity of the virtual bill is recorded and audited to obtain an exchange completion record.

[0012] The present invention also provides a virtual bill exchange device, comprising: A parsing module, configured to perform identity parsing on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill; an analysis module configured to, when the virtual bill identity feature data matches the target user, perform a clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information; An evaluation module, configured to quantitatively evaluate the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value evaluation result; a matching module, configured to match the virtual bill with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set; The exchange module is used to exchange the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record.

[0013] The present invention also provides a computer device, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of any one of the above methods when executing the computer program.

[0014] The present invention also provides a computer-readable storage medium having a computer program stored thereon, and when the computer program is executed by a processor, the steps of any of the above methods are implemented.

[0015] The present invention provides a virtual bill exchange method, comprising the following steps: performing identity resolution on the virtual bill based on an encrypted identifier on the virtual bill to obtain virtual bill identity feature data; performing clause analysis based on the virtual bill identity feature data to obtain virtual bill clause information; performing quantitative evaluation on the potential exchange value of the virtual bill based on the virtual bill clause information to obtain a virtual bill value evaluation result; performing exchangeable resource matching on the virtual bill using the virtual bill value evaluation result to obtain a matched exchangeable resource set; performing exchange execution on the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record, which solves the technical problem that the traditional bill exchange mechanism is difficult to adapt to the digital, personalized and instant features of virtual bills, resulting in low efficiency in the actual circulation and exchange process, realizes the use of value evaluation results to match exchangeable resources, can quickly locate the most suitable exchange options in a large-scale resource library, improves matching efficiency and user satisfaction, and supports the technical effect of flexible exchange needs in cross-platform and multi-scenario situations. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] Figure 1 This is a schematic diagram of the steps of a virtual bill exchange method according to one embodiment of the present invention; Figure 2 This is a block diagram of a virtual bill exchange device according to an embodiment of the present invention; Figure 3 It is a schematic block diagram of the structure of a computer device according to an embodiment of the present invention.

[0017] The purpose, features and advantages of the present invention will be further described with reference to the accompanying drawings and in conjunction with the embodiments. DETAILED DESCRIPTION

[0018] In order to make the purpose, technical solutions and advantages of the present invention more clearly understood, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0019] like Figure 1 As shown, Figure 1 A virtual bill exchange method according to an embodiment of the present invention includes the following steps: Step S1: performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill.

[0020] Specifically, in this method, the core of the step of "performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain virtual bill identity feature data" is to extract and verify its identity information by identifying the encrypted identifier embedded in the virtual bill, thereby generating a virtual bill with clear identity attributes. In the specific implementation process, the system first obtains the virtual bill data held by the user and extracts the encrypted identifier contained therein, such as a unique identity identifier generated by technical means such as a digital signature, hash value, or public-private key pair; then, the system sends the encrypted identifier to the identity resolution module, which compares and verifies it with the registration information in the trusted third-party authentication system or blockchain ledger to confirm the issuer and holder of the virtual bill and its legitimacy; on this basis, the system adds identity attribute tags to the virtual bill, such as "issued by enterprise A", "held by user B", "valid until June 2025", and other structured metadata, thereby forming the virtual bill identity feature data. For example, in an electronic consumption voucher redemption scenario, a user holds a virtual voucher issued by an e-commerce platform. The voucher has an embedded encrypted identifier. After parsing the identifier, the system can accurately identify the source platform of the voucher, usage restrictions, and the identity information of the current holder, thereby providing a reliable data basis for subsequent terms analysis and resource matching.

[0021] Step S2: When the virtual bill identity feature data matches the target user, the virtual bill is subjected to clause analysis based on the virtual bill identity feature data to obtain virtual bill clause information.

[0022] Specifically, after obtaining the virtual bill identity feature data, when the virtual bill identity feature data matches the target user, the system further performs a clause analysis based on the virtual bill identity feature data to extract information such as usage conditions, restriction rules, and redemption requirements contained therein, thereby generating structured virtual bill clause information. In specific implementation, the system will call a natural language processing module or a rule parsing engine to perform semantic recognition and formatted extraction of the text content related to the use of the virtual bill, and combine its identity attributes (such as issuer, holder type, bill category) for contextual understanding, thereby accurately identifying key clauses such as "only for use on specific products", "a minimum purchase of 200 yuan can be used to deduct 30 yuan", and "cannot be used in conjunction with other discounts". Subsequently, the system converts these clause information into a standardized data structure, such as JSON or XML format, so that subsequent modules can perform automated judgment and evaluation. For example, in the aforementioned application scenario of electronic consumer vouchers, when the system identifies a voucher issued by an e-commerce platform and belonging to user B, it will automatically parse its terms and identify specific terms such as that the voucher is applicable to "home appliances", is valid from "May 1, 2025 to June 30, 2025", and can only be used for orders of RMB 500 or more, thereby forming complete virtual bill terms information to provide a basis for the next step of value assessment.

[0023] Step S3: quantitatively assessing the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value assessment result.

[0024] Specifically, based on the virtual bill terms information, the potential redemption value of the virtual bill is quantitatively evaluated to obtain the virtual bill value assessment result. The core of this step is to convert the terms extracted from the virtual bill into a quantifiable value indicator, thereby providing data support for subsequent resource matching and redemption execution. In the specific implementation process, the system will combine the scope of use, restrictions, validity period, face value ratio and other key parameters in the virtual bill terms information, and use a preset value assessment model (such as a rule-based scoring mechanism or machine learning algorithm) to comprehensively calculate factors such as the current market value of the bill, user availability, and platform redemption cost; the model will also be dynamically adjusted according to external environmental variables, such as the current market demand, the frequency of redemption of similar resources, and the identity attributes of the holder (such as user level, consumption preferences), to improve the accuracy and adaptability of the assessment. For example, in the aforementioned application scenario of electronic consumption vouchers, when the system identifies a voucher issued by an e-commerce platform with terms and conditions such as "50 off for purchases over 500", "only for home appliances", and "remaining validity period of 1 month", it will combine data such as the user's historical consumption behavior, current platform promotions, and the average usage rate of this type of voucher to score and value the redemption potential of the virtual bill, and finally output a specific virtual bill value assessment result, such as "the current redemption value index is 82 / 100", thereby providing a basis for subsequent resource matching.

[0025] Step S4: Match the virtual bill with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set.

[0026] Specifically, the virtual bill value assessment result is used to match the virtual bill with redeemable resources to obtain a matched redeemable resource set. The key to this step is to search for redeemable resources that match its value characteristics, terms of use and identity attributes in the system's internal resource library or cross-platform resource pool based on the virtual bill value assessment result generated in the previous step, and finally form a set of resources for users to choose from. In the specific implementation, the system will use the virtual bill value assessment result as the core screening condition, combined with the identity attributes of the bill (such as issuer, holder type) and terms information (such as scope of application, usage restrictions), and execute a multi-dimensional matching algorithm in the resource database. For example, based on similarity calculation, rule engine drive or recommendation system mechanism, options that meet the current virtual bill redemption capabilities are screened from massive resources; at the same time, the system will also comprehensively consider factors such as the available inventory, geographical distribution, and timeliness requirements of the resource supplier to ensure that the matching results not only meet user needs but also have actual redemption feasibility. For example, in the application scenario of the aforementioned electronic consumption vouchers, when the value assessment result of a voucher indicates that it has a high redemption potential, the system will automatically match eligible product resources in the product library of the e-commerce platform, such as "specified model TVs", "refrigerator products that support full-discount purchases", etc., and include these products in the matched redeemable resource set for users to further operate and use.

[0027] Step S5: performing redemption on the virtual bill according to the matched redeemable resource set to obtain a redemption completion record.

[0028] Specifically, the virtual bill is exchanged according to the matched exchangeable resource set to obtain an exchange completion record. The core of this step is to drive the system to complete the actual exchange operation between the virtual bill and the specific resource based on the matched exchangeable resource set generated in the previous step, and generate a traceable exchange completion record after the exchange is completed. In the specific implementation process, after the user confirms the selection of a certain exchangeable resource, the system will call the bill management module and the resource management system to jointly execute the exchange logic, including verifying the current status of the virtual bill (such as whether it has expired or been used), verifying the validity of the resource matching results, updating the resource inventory status, and modifying the bill status to "exchanged"; at the same time, the system will write the key information of this exchange behavior, such as the exchange time, the identity attributes of the bill used, the specific identification of the selected resource, etc., into the blockchain or centralized database to form an unalterable exchange completion record for subsequent query, audit and supervision. For example, in the application scenario of the aforementioned electronic consumer voucher, when the user selects a specified model of TV from the matched redeemable resource set and submits a redemption request, the system will automatically verify the validity of the voucher and the inventory status of the product. After confirmation, the deduction operation will be completed and a redemption completion record will be generated, including "User B used a voucher with a value assessment of 82 / 100 to redeem a certain brand of TV on May 21, 2025", thereby ensuring that the entire redemption process is closed-loop controllable, the process is transparent, and the data is credible.

[0029] In a specific embodiment, performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill includes: Decomposing the encrypted identifier on the virtual bill to obtain decomposed identifier elements, and identifying the issuing source of the virtual bill based on the decomposed identifier elements to obtain issuing source attributes; When the issuing source attribute is that the issuing node of the virtual bill is in a trusted authorized network, the serial number in the virtual bill is extracted to obtain the virtual bill serial number, and the virtual bill is uniquely authenticated based on the virtual bill serial number to obtain virtual bill identity feature data.

[0030] Specifically, during implementation, the system first obtains the virtual invoice data submitted by the user, which contains one or more encrypted identifiers embedded by the issuer. These encrypted identifiers are typically composite identifiers generated through methods such as digital signatures, hash values, and public / private key cryptographic structures, and are used to ensure the authenticity and unforgeability of the invoice. Upon receiving the virtual invoice, the system first performs an "identity decomposition" operation, breaking the encrypted identifier into several identifiable components, known as "decomposed identifier elements." For example, in an e-voucher, the encrypted identifier might include the issuing platform's organization code (e.g., E001 for e-commerce platform A), the invoice type identifier (e.g., T002 for a purchase discount coupon), a timestamp (e.g., 20250521), and the invoice number processed using a hash algorithm. The system then extracts this information item by item through a parser module, obtaining a complete set of decomposed identifier elements. The system then uses these decomposed identifier elements to determine whether the virtual invoice is legitimate, trustworthy, and originates from the specific issuer. For example, if the decomposed identification element of a virtual bill includes the institution code E001, the system will classify it as a bill issued by e-commerce platform A and assign corresponding "issuance source attributes" such as "e-commerce channel," "enterprise-level issuance," and "validity policy of 6 months." This process not only helps the system confirm the bill's issuance background but also provides the foundation for subsequent identity attribute construction. Based on this, the system further extracts the unique serial number information, the "virtual bill serial number," from the virtual bill with the issuance source attribute. This serial number is typically a fixed-length, uniformly formatted string or number combination, such as "VTC-20250521-000487," where the prefix "VTC" indicates the virtual bill type, the middle portion "20250521" is the date of creation, and the last six digits "000487" are the sequential number within that day. This serial number ensures that each virtual bill is globally unique, preventing duplicate issuance or malicious copying. After obtaining the virtual bill serial number, the system will enter it into the identity verification module and perform a uniqueness verification based on the historical records and issuance rules in the database. For example, the system will check whether the serial number already exists in the system or whether it belongs to a revoked or expired bill batch. If the verification is successful, the system will mark the virtual bill as "valid and unique" and attach a complete identity attribute tag to it, including but not limited to the issuer name, bill type, generation time, current status (such as "unused" or "bound to user B"), etc., ultimately forming the virtual bill identity feature data, which serves as the basic data input for subsequent terms analysis, value assessment, and resource matching.Taking the aforementioned e-voucher scenario as an example, suppose user B holds a virtual voucher issued by e-commerce platform A. Its encrypted identifier consists of E001 (platform ID), T002 (voucher type), 20250521 (generation date), and a SHA256 hash value. The system first decomposes this identifier into its components, determining that the voucher belongs to e-commerce platform A's "full-discount voucher" category and assigning it the "e-commerce issuer" attribute. The system then extracts the voucher's unique serial number, "VTC-20250521-000487," and through a database query, confirms that it has not been used and is within its validity period. The system then completes the identity verification process and adds the identity attributes "held by user B" and "valid until June 30, 2025" to the voucher. Finally, the system outputs the virtual voucher's identity data for further processing. Through these technical means, this step not only accurately identifies and verifies the virtual voucher's identity but also provides structured and standardized data support for subsequent steps, effectively enhancing the security, controllability, and intelligence of the entire virtual voucher redemption system.

[0031] In a specific embodiment, the performing of clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information includes: Locating a clause area of ​​the virtual bill based on the virtual bill identity feature data to obtain a clause positioning area, and extracting clause framework information of the virtual bill based on the clause positioning area; Identifying key clause identifiers of the clause framework information to obtain a key clause identifier set, and extracting the clause details of the virtual bill based on the key clause identifier set to obtain a clause semantic unit set including rights and obligations, constraints, and execution procedures; performing a clause association analysis on the virtual bill based on the clause semantic unit set to obtain a clause association graph, and performing a clause logical integration on the virtual bill based on the clause association graph to obtain logical clause information corresponding to the virtual bill; The virtual bill is subjected to term formatting processing using the logical term information corresponding to the virtual bill to obtain formatted terms, and the term information of the virtual bill is summarized based on the formatted terms to obtain virtual bill term information.

[0032] Specifically, in this technical solution, "analyzing the terms of the virtual bill based on the virtual bill's identity data to obtain virtual bill term information" is a key step in achieving intelligent virtual bill processing. The core of this step lies in deeply analyzing the virtual bill's identity data to extract key information such as usage rules, restrictions, and execution processes, ultimately forming standardized and structured virtual bill term information. The entire process consists of four consecutive stages: term area location, key term identification, and logical term integration and formatting. First, the system conducts a thorough scan of the bill's data structure based on the acquired virtual bill's identity data to determine the specific location of the term content, thus completing "term area location." For example, in the application scenario of electronic consumer vouchers, a voucher issued by e-commerce platform A and held by user B might have identity data such as "Issuer = e-commerce platform A," "Holder = user B," "Generation Date = May 21, 2025," and "Serial Number = VTC-20250521-000487." Based on this information and the platform's internal invoice data model, the system quickly locates the fields or modules within the invoice that store usage rules, such as the "terms" field or the "conditions" section, thereby obtaining a "terms location region." The system then extracts the complete terms framework within this term location region, typically in the form of text presented in natural language. For example, "This coupon has a face value of 50 yuan and is valid for orders of 500 yuan or more. It is valid only for home appliances. It expires on June 30, 2025 and cannot be combined with other offers." Based on this, the system uses semantic recognition and keyword extraction to identify key terms with legal and business significance, such as "face value 50 yuan," "valid for orders over 500 yuan," "only for home appliances," "valid until June 30, 2025," and "cannot be combined with other offers." These phrases form a "key terms identifier set." The system then further extracts the terms' details from this key terms identifier set and categorizes each term into different semantic units based on its functional attributes, such as "rights and obligations," "constraints," and "execution process." For example, "face value of 50 yuan" is categorized as "rights and obligations," meaning the holder is entitled to a 50 yuan discount; "valid for purchases over 500 yuan" is categorized as "constraints," meaning a minimum spending threshold must be met; "limited to home appliances" and "valid until June 30, 2025" correspond to the "scope of application" and "time constraints," respectively; and "cannot be combined with other discounts" is categorized as "mutually exclusive constraints." These categorized semantic units together constitute the "clause semantic unit set."Next, based on the aforementioned set of semantic units, the system analyzes the inherent logical relationships between them, constructing a clear "clause-related relationship diagram." For example, the system identifies a causal relationship between the constraint "valid for purchases over 500 yuan" and the right and obligation of "face value 50 yuan," meaning that the discount can only be exercised if this constraint is met. Furthermore, there's a mutual exclusion between "only for home appliances" and "cannot be combined with other discounts," potentially impacting the user's actual usage value. This correlation analysis enables the system to more accurately understand the dependencies and conflicts between clauses. Based on this, the system logically integrates all clauses, generating a set of "logical clause information corresponding to the virtual invoice" with a complete semantic structure. For example, "This 50 yuan voucher can only be used if and only if the user purchases home appliances with a single order amount of 500 yuan or more, and cannot be combined with other discounts." Finally, the system enters the formatting phase, where the integrated logical clause information is structured and packaged according to a unified standard template for subsequent module invocation and processing. For example, the system converts the logical clause information into a standard format, such as JSON or XML, so that each clause can be automatically recognized and parsed by the system. For example, the system can format the voucher's terms and conditions into the following structure: fields including "Rights and Obligations" (e.g., deduction amount), "Constraints" (e.g., minimum purchase amount, applicable categories, validity period, and whether they can be combined), and "Execution Process" (e.g., usage order, validation logic). The system then aggregates and organizes this formatted terms and conditions, outputting complete "virtual invoice terms and conditions" as an important input for subsequent value assessment and resource matching. Taking the aforementioned electronic consumer voucher as an example, once the system identifies a voucher issued by e-commerce platform A, belonging to user B, valid for one month, applicable to home appliances, and with a face value of 50 yuan, it sequentially executes the four-stage terms analysis process described above. First, the system locates the region containing the terms and conditions within the invoice data; second, it identifies key terms and conditions and extracts a complete set of semantic units; then, it analyzes the logical relationships between the terms and conditions to generate logical terms and conditions information; finally, the system encapsulates this information in a standardized format, aggregates the information, and outputs structured virtual invoice terms and conditions information. Through the above technical process, this step realizes the intelligent identification, semantic analysis and structured management of the unstructured terms in virtual bills, which not only improves the automation level of bill processing, but also provides high-quality data support for subsequent value assessment and resource matching, effectively promoting the standardization and intelligentization of virtual asset circulation.

[0033] In a specific embodiment, the quantitative evaluation of the potential exchange value of the virtual bill based on the virtual bill terms information to obtain the virtual bill value evaluation result includes: Performing core clause screening on the virtual bill clause information to obtain a core clause group, and preliminarily determining the value range of the virtual bill based on the core clause group to obtain a virtual bill within a preliminary value range; Performing ancillary clause analysis on the virtual bill within the preliminary value range to obtain ancillary clause impact factor, and adjusting the value range of the virtual bill based on the ancillary clause impact factor to obtain a value fluctuation range; Performing market environment mapping on the virtual bill based on the value fluctuation range to obtain a market environment mapping value, and dynamically modifying the value of the virtual bill based on the market environment mapping value to obtain a real-time value assessment value that dynamically changes in the market; When the trading market of virtual bills experiences abnormal fluctuations or the trading volume shrinks sharply, the virtual bills are discounted for special circumstances on the basis of the real-time value assessment value to obtain the value after the special discount, and the final value is determined based on the value after the special discount to obtain the virtual bill value assessment result.

[0034] Specifically, during implementation, the system first extracts structured virtual invoice terms from the virtual invoice, which has already been assigned identity attributes. This information typically includes text or data fields such as usage conditions, scope of application, restrictions, and validity period. For example, in the case of electronic consumer vouchers, a voucher issued by e-commerce platform A and held by user B might include terms such as "valid for purchases over 500 yuan," "only for home appliances," "valid until June 30, 2025," and "cannot be combined with other discounts." The system first categorizes these terms and selects core terms that are crucial to determining value, such as "face value," "minimum purchase threshold," "applicable categories," and "combinability," thereby forming a "core terms group." The system then performs a preliminary value assessment on the virtual invoice based on this core terms group, generating a "virtual invoice with a preliminary value range." This stage primarily relies on a pre-set evaluation rule library and historical data analysis models. For example, if a voucher has a face value of 50 yuan and a standard format of "50 yuan off for purchases over 500 yuan," the system will assign a preliminary value range, such as "40-50 yuan," based on historical usage of similar vouchers and their applicable scope (e.g., limited to home appliances). This range reflects the maximum value the voucher can generate under ideal conditions, but does not yet consider other influencing factors. The system then enters the second stage, "ancillary terms analysis," to obtain more refined evaluation parameters. During this process, the system identifies and analyzes non-core but influential additional terms in the virtual voucher, such as "cannot be combined with other offers," "only for new users," and "must be linked to a specific account." These additional terms often affect the actual usage and redemption probability of the voucher, necessitating the introduction of an "ancillary terms impact factor" for quantitative evaluation. For example, "cannot be combined with other offers" may reduce the voucher's appeal in high-spending scenarios. Based on this, the system sets the impact factor to 0.92, indicating that this term reduces the voucher's theoretical value by 8%. Taking this influencing factor into account, the system recalculates the value range of the note and adjusts it to "36.8-46 yuan," the so-called "value fluctuation range." In the third stage, the system maps the market environment of the virtual note based on this value fluctuation range, obtains a market environment mapping value, and dynamically adjusts the value accordingly, outputting a "real-time value assessment value based on market dynamics." This stage primarily considers external variables such as current market supply and demand, platform promotions, and consumer behavior trends. For example, during major e-commerce promotions (such as the "618 Shopping Festival"), demand for home appliances surges, and this virtual note happens to be suitable for home appliances. In this case, the system increases the market environment mapping value of the note to 1.15, indicating that under the current market environment, the note has above-average redemption potential.Based on this mapped value, the system further adjusts the value range to "42.32-52.9 yuan" and outputs the note's "real-time market dynamics valuation," such as 47.6 yuan. Finally, the system enters the fourth stage, "Special Circumstance Discounting," to address unexpected or temporary factors that may impact the note's value, such as a low user credit rating, the note's approaching maturity, or potential for non-compliance. For example, suppose the virtual note has only 10 days remaining. The system determines that its redemption urgency has increased, but time constraints may prevent some users from using it promptly. Therefore, a "Special Circumstance Discount Factor" of 0.95 is introduced. Based on this, the system discounts the note, adjusting its value to 45.22 yuan and ultimately confirming the virtual note's valuation of 45.22 yuan, which serves as an important reference for subsequent resource matching and redemption execution. Taking the aforementioned electronic consumer voucher as an example, when the system identifies a voucher issued by e-commerce platform A, belonging to user B, valid for one month, valid for home appliances, and with a face value of 50 yuan, it sequentially executes the four-stage evaluation process described above. First, the system extracts its core terms and determines its preliminary value range to be 40-50 yuan. Second, it identifies the ancillary clause "non-combinable use" and introduces an impact factor of 0.92, adjusting the value range to 36.8-46 yuan. Next, considering the current peak season for home appliance sales, the market environment mapping value is 1.15, raising the value range to 42.32-52.9 yuan, and the real-time evaluation value to 47.6 yuan. Finally, due to the upcoming maturity of the voucher, the system introduces a discount factor of 0.95, ultimately outputting a value estimate of 45.22 yuan for the virtual voucher. This evaluation not only reflects the true value of the voucher in the current market environment but also provides accurate data support for subsequent resource matching. Through the above technical process, this step realizes a multi-dimensional and multi-level evaluation of the potential exchange value of virtual bills, ensures the scientificity, dynamism and adaptability of the evaluation results, and effectively improves the circulation efficiency and use value of virtual bills in complex application scenarios.

[0035] In a specific embodiment, using the virtual bill value assessment result to match the virtual bill with redeemable resources to obtain a matched redeemable resource set includes: Based on the virtual bill value evaluation result, the virtual bill is divided into resource hierarchies to obtain a value-corresponding resource hierarchy, and the resource domain of the virtual bill is screened based on the value-corresponding resource hierarchy to obtain a target resource domain; Evaluating the resource quality of the target resource domain to obtain a resource quality level set, and performing preliminary resource matching on the virtual ticket based on the resource quality level set to obtain a preliminary matching resource set; Performing resource timeliness analysis on the virtual bill based on the preliminary matching resource set to obtain a timeliness-compliant resource set, and performing secondary resource matching on the virtual bill based on the timeliness-compliant resource set to obtain a secondary matching resource set; The virtual bill is subjected to a resource mutual exclusivity check using the secondary matching resource set to obtain a mutually exclusive exclusion resource set, and a final resource determination is performed on the virtual bill based on the mutually exclusive exclusion resource set to obtain a matched redeemable resource set. Specifically, during implementation, the system first uses the "virtual bill value assessment result" output from the previous step as a core input parameter. For example, in the aforementioned electronic consumer voucher scenario, suppose a voucher issued by e-commerce platform A and held by user B has an assessed value of 45.22 yuan. Based on this value, the system will classify the virtual bill into resource hierarchies, dividing all available resources into multiple resource tiers based on price ranges, such as "10-20 yuan," "20-40 yuan," "40-60 yuan," "60-100 yuan," and so on. Since the bill's assessed value is 45.22 yuan, it is classified into the "40-60 yuan value-corresponding resource tier." Next, the system selects the corresponding resource set based on this value-corresponding resource tier, known as the "target resource domain." For example, in the e-commerce platform's product database, the target resource domains covered by the "40-60 yuan" tier might include "small appliances in the home appliance category," "selected kitchen appliances of certain models," and "smart sockets of a specific brand." These resources constitute the initial candidate resource pool for the virtual invoice. The system then enters the second phase, resource quality assessment. During this process, the system assigns a quality score to each resource item in the target resource domain. Scoring criteria typically include brand reputation, user reviews, inventory status, and after-sales service. For example, based on historical sales data and user feedback, the system may assign a certain brand's rice cooker a "quality grade A" rating, while another brand, an air fryer with lower sales and more negative reviews, may receive a "quality grade C" rating. This creates a "resource quality grade set," prioritizing high-quality resources (e.g., grade A) for consideration, resulting in a "preliminary matching resource set"—for example, a list consisting of three grade A resources and two grade B resources. In the third phase, the system performs a "resource timeliness analysis" based on this initial matching resource set to ensure that the selected resources match the virtual invoice's usage conditions in terms of time. For example, if the virtual invoice expires on June 30, 2025, the system will automatically filter out products that will only begin shipping or have promotions after July 2025, while prioritizing currently popular resources that support instant delivery. The system also considers factors such as the user's geographic location and logistics cycle to determine whether the resource can be delivered within its validity period. After this round of screening, the system outputs a "timeliness-compliant resource set." For example, from the original five preliminary matching resources, three resources that meet the timeliness requirements are selected to form a "secondary matching resource set." Finally, the system enters the fourth stage, "resource mutual exclusivity check," to identify and eliminate resource options that conflict with the virtual ticket.For example, although some products meet the requirements in terms of price, quality and timeliness, the platform stipulates that "they cannot be used in conjunction with other discounts". The user's current account happens to hold other full-reduction coupons or points redemption rights. At this time, using this virtual ticket will lead to a decrease in overall revenue. Based on this, the system determines that such resources have "resource mutual exclusivity" and removes them from the secondary matching resource set to form a "mutually exclusive exclusion resource set". Finally, the system confirms the remaining resources and outputs a "matched redeemable resource set", for example, two high-quality small appliances that can be used immediately and a cost-effective kitchen appliance. Taking the above-mentioned electronic consumption voucher as an example, when the system recognizes that the value assessment result of the voucher is 45.22 yuan, it is valid for one month, it is applicable to household appliances, and it cannot be used in conjunction with other attributes, it executes the above four-stage resource matching process in sequence. First, the system divides it into the "40-60 yuan" resource level and filters out the corresponding target resource domain; second, the system evaluates the quality level of these resources and selects high-quality resources to form a preliminary matching resource set; then, the system analyzes the delivery time, inventory status and user location of these resources, filters out resources that meet the timeliness requirements, and forms a secondary matching resource set; finally, the system checks whether there are any conflicts with other discounts, eliminates mutually exclusive resources, and finally outputs a matched redeemable resource set containing three home appliances that meet all the conditions. Through the above multi-dimensional, phased technical process, this step realizes a precise, efficient, and secure matching mechanism between virtual bills and redeemable resources, which not only improves user experience and resource utilization, but also provides a solid data foundation and operational guarantee for subsequent redemption execution.

[0036] In a specific embodiment, the using the secondary matching resource set to perform resource mutual exclusivity check on the virtual ticket to obtain a mutually exclusive exclusion resource set includes: Performing resource characteristic analysis on the virtual bill based on the secondary matching resource set to obtain a resource characteristic set, and performing resource identification classification on the virtual bill based on the resource characteristic set to obtain a resource identification classification result; Performing mutually exclusive type definition on the resource identification classification result to obtain a mutually exclusive type framework, and performing resource matching analysis on the virtual ticket based on the mutually exclusive type framework to obtain a resource matching result; Preliminarily screening mutually exclusive resources of the virtual bill based on the resource matching result to obtain a preliminary set of mutually exclusive resources, and setting a mutual exclusion priority of the virtual bill based on the preliminary set of mutually exclusive resources to obtain a resource set with a mutual exclusion priority identifier; The resource set with the mutually exclusive priority identifier is used to exclude resources from the virtual ticket to obtain a mutually exclusive exclusion resource set.

[0037] Specifically, during implementation, the system first extracts detailed attribute information for all resources from the "secondary matching resource set" output from the previous step, performing a "resource feature analysis" to obtain characteristic data such as the functional description, applicable conditions, and usage restrictions of each resource item, forming a "resource feature set." For example, in the aforementioned electronic consumer voucher application scenario, suppose a voucher issued by e-commerce platform A and held by user B contains three home appliances in its secondary matching resource set: Brand A rice cooker (priced at 499 yuan), Brand B air fryer (priced at 599 yuan), and Brand C smart socket (priced at 199 yuan). The system extracts characteristics of each of these products, including their functional category, whether they support discounts, whether they participate in current promotions, and whether they are flash sale items, to form a resource feature set. Based on this resource feature set, the system then identifies and classifies the resources involved in the virtual voucher. Specifically, based on dimensions such as the resource's functional attributes, usage rules, and platform policies, the resource is classified into different resource categories, such as "supports discounts," "limited-time special offers," and "single payment," ultimately generating a "resource identification classification result." For example, the system identifies Brand A rice cookers as "supporting combined discounts" and "not offering limited-time specials," while Brand B air fryers are labeled "not supporting combined discounts" but "currently participating in platform gift-giving promotions." Brand C smart sockets are classified as "low-priced and supporting multiple payment methods." The system then enters the second phase, "mutually exclusive type definition." During this phase, the system pre-defines a "mutually exclusive type framework" based on platform operating rules, historical transaction data, and risk control strategies to define which resource types conflict with the current virtual invoice. For example, this framework might include rules such as "two discount coupons cannot be used simultaneously on the same order," "limited-time specials cannot be combined with other discounts," and "points redemption and virtual invoices cannot be used together." The system compares these resource identification classifications with the mutual exclusive type framework to determine whether each resource item has a potential usage conflict. The system then generates a "resource compatibility result," which is a score on a scale of 0-100 indicating compatibility between each resource and the current virtual invoice. A lower score indicates higher mutual exclusivity. In the third stage, the system performs a preliminary screening of mutually exclusive resources based on the resource matching results, generating a "preliminary set of mutually exclusive resources." For example, if a Brand A rice cooker scores 92 points, indicating high compatibility with the virtual ticket, while a Brand B air fryer scores 38 points, indicating strong mutual exclusivity with the virtual ticket. A Brand C smart socket scores 76 points, indicating moderate compatibility. Based on this, the system includes resources with a score below 60 points in the "preliminary set of mutually exclusive resources," meaning that the Brand B air fryer is preliminarily identified as a mutually exclusive resource.The system then assigns "mutual exclusion priorities" to the resources in the "preliminary set of mutually exclusive resources." Specifically, it categorizes different types of mutually exclusive resources based on the importance and impact of the reasons for mutual exclusion, generating a "resource set with mutual exclusion priority identifiers." For example, the system assigns "high priority" to resources that violate mandatory platform rules (such as "cannot be used in combination") and prioritizes their exclusion. Mutually exclusive resources due to user preferences or temporary policy adjustments are assigned "medium priority" or "low priority," allowing for flexible handling based on actual circumstances. In this example, Brand B's air fryer is clearly labeled "cannot be used in combination with other discounts" and the user currently holds an unused discount coupon. Finally, the system enters the fourth stage, "resource exclusion," where it performs actual resource filtering based on the "resource set with mutual exclusion priority identifiers." High-priority mutually exclusive resources are removed from the secondary matching resource set, forming a "mutually exclusive exclusion resource set." For example, the system removes the brand B air fryer from the original secondary matching resource set, retaining only the brand A rice cooker and the brand C smart socket as the final redeemable options, and feeds this result back to the subsequent redemption execution module. Taking the above-mentioned electronic consumer voucher as an example, when the system recognizes that the value assessment result of the voucher is 45.22 yuan, the validity period is one month, it is applicable to home appliances, and it cannot be used in combination, it executes the above four-stage mutual exclusivity check process in sequence. First, the system extracts the characteristic information of the three home appliances in the secondary matching resource set, completes the resource characteristic set construction and resource identification classification; secondly, the system calls the preset mutual exclusion type framework and calculates the compatibility score of each resource in combination with the resource matching model; then, the system selects the preliminary set of mutually exclusive resources based on the scoring results and assigns them a mutual exclusion priority; finally, the system performs a resource exclusion operation based on the mutual exclusion priority identifier, and finally outputs a "mutually exclusive exclusion resource set" containing two compatible resources. Through the above-mentioned technical means, this step realizes the intelligent identification and precise handling of potential conflicts between virtual bills and redeemable resources, which not only improves the security and rationality of the redemption process, but also ensures the user's redemption experience and maximizes value, providing a stable and reliable resource foundation for subsequent redemption execution.

[0038] In a specific embodiment, the redemption of the virtual bill according to the matched redeemable resource set to obtain a redemption completion record includes: Confirming the exchangeable resources for the virtual bill based on the matched exchangeable resource set to obtain a resource confirmation result, and determining the exchange authority of the virtual bill based on the resource confirmation result to obtain a virtual bill with exchange authority; Performing an exchange operation plan for the virtual note with exchange authority to obtain an exchange operation plan, and evaluating the operational feasibility of the virtual note based on the exchange operation plan to obtain a feasible exchange operation plan; Pre-arranging an exchange transaction for the virtual bill based on the feasible exchange operation plan to obtain pre-arranged transaction information, and checking the transaction integrity of the virtual bill based on the pre-arranged transaction information to obtain a transaction integrity check result; Performing actual exchange promotion on the virtual bill using the transaction integrity check result to obtain an exchange promotion status, and marking the exchange status of the virtual bill based on the exchange promotion status to obtain a virtual bill set with an exchange status identifier; Based on the virtual bill set with the exchange status identifier, an exchange summary of the virtual bill is generated to obtain an exchange summary report, and based on the exchange summary report, the integrity of the virtual bill is recorded and audited to obtain an exchange completion record.

[0039] Specifically, during implementation, the system first reconfirms the specific resource item selected by the user based on the "matched redeemable resource set" output from the previous step, performing "resource redemption confirmation" to ensure that the resource is still available, in sufficient stock, and has not changed due to platform policy adjustments. For example, in the aforementioned electronic consumer voucher application scenario, suppose a voucher issued by e-commerce platform A and held by user B contains two products in its matched redeemable resource set: a Brand A rice cooker (priced at 499 yuan) and a Brand C smart socket (priced at 199 yuan). When the user submits a redemption request, the system immediately verifies whether these two products are still on sale, have sufficient inventory, and whether the current account supports the virtual voucher. If the system confirms that there are 200 Brand A rice cookers in stock and that the current user has permission to use them, a "resource confirmation result" is generated. Based on this resource confirmation result, the system then determines whether the virtual voucher is legally redeemable, for example, whether it belongs to the user, is within its validity period, and has been used. If all conditions are met, the system marks the virtual voucher as "virtual voucher with redemption authorization" and proceeds to the next stage of processing. Next, the system enters the second stage, "Redemption Operation Planning." During this process, the system generates a specific redemption operation path based on the user's redemption request and the platform's business logic, including payment method selection, discount deduction sequence, and order generation rules, forming a "redemption operation plan." For example, the system sets the voucher as the primary redemption amount for an order of Brand A rice cooker and automatically calculates the remaining balance required to be 449 yuan. The system then conducts a feasibility assessment of the redemption operation plan, considering factors such as the risk of payment failure, cross-regional restrictions, and compliance with platform risk control rules, ultimately outputting a "feasible redemption operation plan." In the third stage, the system pre-arranges the redemption transaction for the virtual voucher based on this feasible redemption operation plan. This pre-generates transaction process information related to the redemption, such as the order number, logistics plan, payment serial number, and invoice issuance time, forming the "pre-arranged transaction information." For example, the system generates information such as order number VTX-20250521-000487, estimated delivery date of May 23, 2025, and invoice will be automatically generated after successful payment. The system then checks the integrity of this transaction information to ensure that all key links are covered, such as whether the payment interface call is normal, whether the logistics system is connected, and whether the invoice module is ready, thereby generating a "transaction integrity check result." In the fourth stage, based on the transaction integrity check results, the system initiates the actual exchange process, including calling the payment interface to complete the virtual bill deduction, updating inventory status, generating electronic orders, and other operations. It also tracks the execution progress of the entire process in real time and generates an "exchange progress status."For example, the system displays status indicators such as "Payment successful," "Order creation complete," "1 item deducted from inventory," and "Logistics information pending synchronization." Finally, the system labels the virtual bill "exchanged" and places it in the "virtual bill set with exchange status indicators" for subsequent audits and inquiries. Finally, the system enters the fifth stage, "Exchange Summary Generation," during which the system compiles key data from the entire exchange process into a structured "Exchange Summary Report," including fields such as exchange time, identity attributes of the bill used, specific identifiers of the selected resources, payment details, and logistics information. For example, the system generates a report showing: "User B used a voucher with an assessed value of 45.22 yuan to redeem a Brand A rice cooker at 15:26 on May 21, 2025. The total payment was 499 yuan, with a deduction of 45.22 yuan. The user actually paid 449 yuan. The order number is VTX-20250521-000487, and the estimated delivery time is May 23, 2025." The system then uploads the report to the platform database and, using blockchain technology, generates an unalterable "redeem completion record" for subsequent supervision, financial settlement, and user inquiries. Still using the aforementioned electronic consumer voucher as an example, once the system recognizes the voucher's assessed value of 45.22 yuan, its validity period of one month, its applicability to home appliances, and its non-combination use, it executes the five-stage redemption execution process in sequence. First, the system confirms the validity of the user's selected resources (Brand A rice cooker and Brand C smart socket). Secondly, the system determines whether the ticket has redemption authority. Next, the system generates a redemption plan and assesses its feasibility. Next, the system pre-arranges transactions and checks their integrity. Subsequently, the system performs the actual redemption operation and marks the ticket status as "redeemed." Finally, the system generates a redemption summary report and completes the archiving and review of the redemption records. Through this multi-dimensional, full-process technical implementation, this step not only completes the transformation of virtual tickets from theoretical value to actual resources, but also enables traceability and compliance management throughout the entire process, providing a secure, efficient, and reliable technical guarantee for the circulation of virtual assets.

[0040] The above describes the virtual bill exchange method in the embodiment of the present invention. The following describes the virtual bill exchange device in the embodiment of the present invention. Figure 2 In one embodiment of the present invention, a virtual bill exchange device includes: A parsing module 21 is configured to perform identity parsing on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill; An analysis module 22 is configured to perform a clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information when the virtual bill identity feature data matches the target user; An evaluation module 23 is configured to quantitatively evaluate the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value evaluation result; A matching module 24 is configured to match the virtual bill with redeemable resources using the virtual bill value evaluation result to obtain a matched redeemable resource set; The exchange module 25 is configured to exchange the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record.

[0041] In this embodiment, for the specific implementation of each unit in the above device embodiment, please refer to the above method embodiment, which will not be repeated here.

[0042] Reference Figure 3 In an embodiment of the present invention, a computer device is also provided, wherein the internal structure of the computer device can be as follows: Figure 3 As shown. The computer device includes a processor, memory, display screen, input device, network interface and database connected via a system bus. The processor of the computer design is used 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, a computer program and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store the corresponding data in this embodiment. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, the above method is implemented.

[0043] Those skilled in the art will understand that Figure 3 The structure shown in the figure is merely a block diagram of a portion of the structure related to the solution of the present invention and does not constitute a limitation on the computer device to which the solution of the present invention is applied.

[0044] An embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which implements the above-described method when executed by a processor. It is understood that the computer-readable storage medium in this embodiment can be a volatile readable storage medium or a non-volatile readable storage medium.

[0045] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing the relevant hardware using a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the above-described method embodiments. Any reference to memory, storage, database, or other media provided herein and used in the embodiments may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double-speed SDRAM (SSRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct RAMbus dynamic RAM (DRDRAM), and RAMbus dynamic RAM.

[0046] It should be noted that, in this document, the terms "comprises," "includes," or any other variations thereof are intended to encompass non-exclusive inclusion, such that a process, apparatus, article, or method comprising a series of elements includes not only those elements but also other elements not explicitly listed, or elements inherent to such process, apparatus, article, or method. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, apparatus, article, or method comprising the element.

[0047] The above description is only a preferred embodiment of the present invention and does not limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made by using the contents of the present invention description and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A virtual bill exchange method, characterized in that: The following steps are involved: Performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill; When the virtual bill identity feature data matches the target user, the virtual bill is subjected to clause analysis based on the virtual bill identity feature data to obtain virtual bill clause information; Quantitatively assessing the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value assessment result; Matching the virtual bill with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set; The virtual bill is exchanged according to the matched exchangeable resource set to obtain an exchange completion record.

2. The virtual bill exchange method according to claim 1, characterized in that: The performing identity resolution on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill includes: Decomposing the encrypted identifier on the virtual bill to obtain decomposed identifier elements, and identifying the issuing source of the virtual bill based on the decomposed identifier elements to obtain issuing source attributes; When the issuing source attribute is that the issuing node of the virtual bill is in a trusted authorized network, the serial number in the virtual bill is extracted to obtain the virtual bill serial number, and the virtual bill is uniquely authenticated based on the virtual bill serial number to obtain virtual bill identity feature data.

3. The virtual bill exchange method according to claim 1, characterized in that: The performing of clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information includes: Locating a clause area of ​​the virtual bill based on the virtual bill identity feature data to obtain a clause positioning area, and extracting clause framework information of the virtual bill based on the clause positioning area; Identifying key clause identifiers of the clause framework information to obtain a key clause identifier set, and extracting the clause details of the virtual bill based on the key clause identifier set to obtain a clause semantic unit set including rights and obligations, constraints, and execution procedures; performing a clause association analysis on the virtual bill based on the clause semantic unit set to obtain a clause association graph, and performing a clause logical integration on the virtual bill based on the clause association graph to obtain logical clause information corresponding to the virtual bill; The virtual bill is subjected to term formatting processing using the logical term information corresponding to the virtual bill to obtain formatted terms, and the term information of the virtual bill is summarized based on the formatted terms to obtain virtual bill term information.

4. The virtual bill exchange method according to claim 1, characterized in that: The quantitative evaluation of the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value evaluation result includes: Performing core clause screening on the virtual bill clause information to obtain a core clause group, and preliminarily determining the value range of the virtual bill based on the core clause group to obtain a virtual bill within a preliminary value range; Performing ancillary clause analysis on the virtual bill within the preliminary value range to obtain ancillary clause impact factor, and adjusting the value range of the virtual bill based on the ancillary clause impact factor to obtain a value fluctuation range; Performing market environment mapping on the virtual bill based on the value fluctuation range to obtain a market environment mapping value, and dynamically modifying the value of the virtual bill based on the market environment mapping value to obtain a real-time value assessment value that dynamically changes in the market; When the trading market of virtual bills experiences abnormal fluctuations or the trading volume shrinks sharply, the virtual bills are discounted for special circumstances on the basis of the real-time value assessment value to obtain the value after the special discount, and the final value is determined based on the value after the special discount to obtain the virtual bill value assessment result.

5. The virtual bill exchange method according to claim 1, characterized in that: The step of matching the virtual bill with exchangeable resources using the virtual bill value assessment result to obtain a matched exchangeable resource set includes: Based on the virtual bill value evaluation result, the virtual bill is divided into resource hierarchies to obtain a value-corresponding resource hierarchy, and the resource domain of the virtual bill is screened based on the value-corresponding resource hierarchy to obtain a target resource domain; Evaluating the resource quality of the target resource domain to obtain a resource quality level set, and performing preliminary resource matching on the virtual ticket based on the resource quality level set to obtain a preliminary matching resource set; Performing resource timeliness analysis on the virtual bill based on the preliminary matching resource set to obtain a timeliness-compliant resource set, and performing secondary resource matching on the virtual bill based on the timeliness-compliant resource set to obtain a secondary matching resource set; The virtual bill is subjected to a resource mutual exclusivity check using the secondary matching resource set to obtain a mutually exclusive exclusion resource set, and a final resource determination is performed on the virtual bill based on the mutually exclusive exclusion resource set to obtain a matched redeemable resource set.

6. The virtual bill exchange method according to claim 5, characterized in that: The performing resource mutual exclusivity check on the virtual ticket by using the secondary matching resource set to obtain a mutually exclusive exclusion resource set includes: Performing resource characteristic analysis on the virtual bill based on the secondary matching resource set to obtain a resource characteristic set, and performing resource identification classification on the virtual bill based on the resource characteristic set to obtain a resource identification classification result; Performing mutually exclusive type definition on the resource identification classification result to obtain a mutually exclusive type framework, and performing resource matching analysis on the virtual ticket based on the mutually exclusive type framework to obtain a resource matching result; Preliminarily screening mutually exclusive resources of the virtual bill based on the resource matching result to obtain a preliminary set of mutually exclusive resources, and setting a mutual exclusion priority of the virtual bill based on the preliminary set of mutually exclusive resources to obtain a resource set with a mutual exclusion priority identifier; The resource set with the mutually exclusive priority identifier is used to exclude resources from the virtual ticket to obtain a mutually exclusive exclusion resource set.

7. The virtual bill exchange method according to claim 1, characterized in that: The exchanging the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record includes: Confirming the exchangeable resources for the virtual bill based on the matched exchangeable resource set to obtain a resource confirmation result, and determining the exchange authority of the virtual bill based on the resource confirmation result to obtain a virtual bill with exchange authority; Performing an exchange operation plan for the virtual note with exchange authority to obtain an exchange operation plan, and evaluating the operational feasibility of the virtual note based on the exchange operation plan to obtain a feasible exchange operation plan; Pre-arranging an exchange transaction for the virtual bill based on the feasible exchange operation plan to obtain pre-arranged transaction information, and checking the transaction integrity of the virtual bill based on the pre-arranged transaction information to obtain a transaction integrity check result; Performing actual exchange promotion on the virtual bill using the transaction integrity check result to obtain an exchange promotion status, and marking the exchange status of the virtual bill based on the exchange promotion status to obtain a virtual bill set with an exchange status identifier; Based on the virtual bill set with the exchange status identifier, an exchange summary of the virtual bill is generated to obtain an exchange summary report, and based on the exchange summary report, the integrity of the virtual bill is recorded and audited to obtain an exchange completion record.

8. A virtual bill exchange device, characterized in that: include: A parsing module, configured to perform identity parsing on the virtual bill based on the encrypted identifier on the virtual bill to obtain identity feature data of the virtual bill; an analysis module configured to, when the virtual bill identity feature data matches the target user, perform a clause analysis on the virtual bill based on the virtual bill identity feature data to obtain virtual bill clause information; An evaluation module, configured to quantitatively evaluate the potential exchange value of the virtual bill based on the virtual bill terms information to obtain a virtual bill value evaluation result; a matching module, configured to match the virtual bill with redeemable resources using the virtual bill value assessment result to obtain a matched redeemable resource set; The exchange module is used to exchange the virtual bill according to the matched exchangeable resource set to obtain an exchange completion record.

9. A computer device comprising a memory and a processor, wherein a computer program is stored in the memory, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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