Resource transfer method and apparatus, computer device, and storage medium

Abstract

The application relates to a resource transfer method and device, computer equipment and a storage medium, and relates to the technical field of artificial intelligence. The method comprises the following steps: when the available resource value of a current account of a user does not meet a demand resource value, determining the selected success rates of other accounts of the user based on resource change history information of the other accounts, and displaying candidate accounts determined based on the selected success rates; after the user selects a target account in the candidate accounts, transferring a target resource value of the target account to the current account, so that the available resource value of the current account meets the demand resource value. By using the method, when the current account does not meet the demand resource value, other accounts used for transferring resources to the current account can be recommended for the user based on the resource change history information of the other accounts, and the resource transfer efficiency is improved.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence technology, and in particular to a resource transfer method, apparatus, computer equipment, storage medium, and computer program product. Background Technology

[0002] With the development of computer technology, resource exchange via mobile devices is becoming increasingly common. When users need to acquire certain products, they need to transfer the corresponding resources to the product owner via mobile devices. These resources are associated with the user's account. Users may have multiple accounts, but not all accounts will have enough resources. Therefore, when users use mobile devices to transfer resources, the number of resources in the selected account may not meet the resource requirements of the product, resulting in reduced efficiency of resource transfer.

[0003] Therefore, current resource transfer methods suffer from low transfer efficiency. Summary of the Invention

[0004] Therefore, it is necessary to provide a resource transfer method, apparatus, computer equipment, computer-readable storage medium, and computer program product that can improve transfer efficiency in response to the above-mentioned technical problems.

[0005] Firstly, this application provides a resource transfer method. The method includes:

[0006] In response to the user's selection of the current account after the resource transfer request is initiated, if the available resource value of the current account does not meet the corresponding required resource value, obtain the resource change history information of the user's other accounts;

[0007] Based on the resource change history of the other accounts, determine the success rate of selection of the other accounts;

[0008] Based on the selection success rate, candidate accounts from the other accounts are displayed;

[0009] In response to the user's selection of a target account from the candidate accounts, the target resource value of the target account is transferred to the current account so that the available resource value of the current account meets the required resource value.

[0010] In one embodiment, the resource change history information includes a first resource transfer history record; obtaining the resource change history information of the user's other accounts includes:

[0011] Obtain the first resource transfer history of the other accounts; the first resource transfer history is a record of transferring resources to other users' accounts;

[0012] The step of determining the selection success rate of other accounts based on their resource change history information includes:

[0013] For each of the other accounts, obtain the first resource transfer count corresponding to the first resource transfer history of that other account, and obtain the median of the first resource transfer value corresponding to the first resource transfer history of that other account.

[0014] A decision tree is constructed based on the first resource transfer count; wherein, in the decision tree, each node corresponds to another account, and the higher the level of the node, the more first resource transfer counts the other account has;

[0015] Obtain at least one node in the decision tree that has a median value greater than or equal to the required resource value, and determine the success rate of selection of other accounts based on the level of each of the at least one node.

[0016] In one embodiment, the resource change history information includes a second resource transfer history record; obtaining the resource change history information of the user's other accounts includes:

[0017] Obtain the second resource transfer history of the other accounts; the second resource transfer history is a record of resources transferred to the user's account;

[0018] The step of determining the selection success rate of other accounts based on their resource change history information includes:

[0019] For each of the other accounts, obtain the second resource transfer count corresponding to the second resource transfer history of that other account, and obtain the second resource transfer value corresponding to the second resource transfer history of that other account;

[0020] Identify other accounts among the other accounts that have a second resource transfer value greater than or equal to the required resource value, and determine the selection success rate of the other account based on the number of second resource transfers corresponding to the other account.

[0021] In one embodiment, candidate accounts from the other accounts are displayed based on the selection success rate, including:

[0022] The candidate accounts are displayed in descending order of their success rate, with the first candidate account displayed distinguished from the others.

[0023] In one embodiment, the response to the user's selection of the current account when a resource transfer request is initiated further includes:

[0024] In response to the resource transfer request, identify each of the user's accounts;

[0025] For each account, if the account has at least one resource value transfer reduction policy, then at least one resource value transfer reduction value is determined based on the at least one resource value transfer reduction policy and the resource transfer request;

[0026] Display each account and its respective at least one resource value transfer reduction value;

[0027] Obtain the user's selection operation for the current account among the accounts.

[0028] In one embodiment, the resource value transfer reduction strategy includes a reduction effective time, a reduction value threshold, and a reduction region;

[0029] For each account, if the account has at least one resource value transfer reduction policy, then based on the at least one resource value transfer reduction policy and the resource transfer request, at least one resource value transfer reduction value is determined, including:

[0030] For each account, at least one first comparison result is determined by comparing the initiation time of the resource transfer request with the effective time of the reduction in each resource value transfer reduction strategy;

[0031] Based on the comparison between the required resource value of the resource transfer request and the first threshold of the reduction value threshold in each resource value transfer reduction strategy, and the comparison between the cumulative reduction value of the account during the effective period of the reduction and the second threshold of the reduction value threshold in each resource value transfer reduction strategy, at least one second comparison result is obtained.

[0032] Based on a comparison between the region where the account is located and the regions that receive exemptions under each resource value transfer exemption strategy, at least one third comparison result is determined;

[0033] Based on the at least one first comparison result, at least one second comparison result, and at least one third comparison result, determine at least one resource value transfer reduction value corresponding to the account.

[0034] In one embodiment, before transferring the target resource value from the target account to the current account, the method further includes:

[0035] The target resource value is determined based on the difference between the required resource value and the available resource value.

[0036] Secondly, this application also provides a resource transfer device. The device includes:

[0037] The response module is used to respond to the user's selection operation of the current account after the resource transfer request is initiated. If the available resource value of the current account does not meet the corresponding required resource value, the module obtains the resource change history information of the user's other accounts.

[0038] The determination module is used to determine the success rate of selection of the other accounts based on the resource change history information of the other accounts;

[0039] The display module is used to display candidate accounts among the other accounts based on the selection success rate;

[0040] The transfer module is used to transfer the target resource value of the target account to the current account in response to the user's selection operation of the target account among the candidate accounts, so that the available resource value of the current account meets the required resource value.

[0041] Thirdly, this application also provides a computer device. The computer device includes a memory and a processor, the memory storing a computer program, and the processor executing the computer program to implement the steps of the above-described method:

[0042] Fourthly, this application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, which, when executed by a processor, implements the steps of the above-described method:

[0043] Fifthly, this application also provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the steps of the above-described method:

[0044] The aforementioned resource transfer method, apparatus, computer equipment, storage medium, and computer program products, when the available resource value of a user's current account does not meet the required resource value, determine the selection success rate of each other account based on the resource change history information of the user's other accounts and display candidate accounts determined based on the selection success rate. After the user selects the target account from the candidate accounts, the target resource value of the target account is transferred to the current account, so that the available resource value of the current account meets the required resource value. Compared with the traditional situation where the user's current account cannot transfer resources if it does not meet the required resource value, this solution improves the efficiency of resource transfer by recommending other accounts for resource transfer to the current account based on the resource change history information of other accounts when the current account does not meet the required resource value. Attached Figure Description

[0045] Figure 1 This is a diagram illustrating the application environment of a resource transfer method in one embodiment;

[0046] Figure 2This is a diagram illustrating the application environment of the resource transfer method in another embodiment;

[0047] Figure 3 This is a flowchart illustrating a resource transfer method in one embodiment;

[0048] Figure 4 This is a schematic diagram of the decision tree structure in one embodiment;

[0049] Figure 5 This is a flowchart illustrating the resource transfer steps in one embodiment;

[0050] Figure 6 This is a flowchart illustrating the steps for determining the reduction / exemption strategy in one embodiment;

[0051] Figure 7 This is a flowchart illustrating the resource transfer method in another embodiment;

[0052] Figure 8 This is a structural block diagram of a resource transfer device in one embodiment;

[0053] Figure 9 This is an internal structural diagram of a computer device in one embodiment. Detailed Implementation

[0054] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0055] The resource transfer method provided in this application embodiment can be applied to, for example, Figure 1 In the application environment shown, terminal 102 communicates with server 104 via a network. A data storage system can store the data that server 104 needs to process. The data storage system can be integrated onto server 104 or placed on a cloud or other network server. Users can initiate resource transfer requests through terminal 102 and select an account as the current account. When the current account does not meet the required resource value, terminal 102 can obtain the resource change history information of other user accounts from server 104 and display recommended candidate accounts to the user. The user can then select a target account as the account to transfer resource value to the current account, thereby enabling the current account to meet the required resource value. Terminal 102 can be, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. Portable wearable devices can be smartwatches, smart bracelets, head-mounted devices, etc. Server 104 can be implemented using a standalone server or a server cluster composed of multiple servers. When server 104 is composed of a server cluster, its application environment can be as follows: Figure 2 As shown, Figure 2 This is an application environment diagram for the resource transfer method in another embodiment. Terminal 102 initiates information verification to resource transfer software server 3 through resource transfer software, performs order validity verification through account issuer system 4, queries the reduction policy through account issuer reduction processing server 5, returns a list of reduction values ​​to account issuer system 4, processes the above process of determining candidate accounts based on historical resource change information through account issuer resource transfer server 6, and finally returns the transfer result of the resource transfer request to the resource transfer software in terminal 102 through resource transfer software server 3.

[0056] In one embodiment, such as Figure 3 As shown, a resource transfer method is provided, which can be applied to... Figure 1 Taking the terminal in the example, the explanation includes the following steps:

[0057] Step S202: In response to the user's selection operation of the current account after the resource transfer request is initiated, if the available resource value of the current account does not meet the corresponding required resource value, obtain the resource change history information of the user's other accounts.

[0058] A resource transfer request can be the act of transferring resources from one account to another, such as a transfer action. Users can have accounts associated with them, and each user can have multiple associated accounts. Users can trigger resource transfer requests by interacting with other users. When a resource transfer request is triggered, the user needs to select an account to transfer the corresponding resources to, thus completing the request. For example, a user can use the terminal's image acquisition device to detect an identifier in a specific image and then initiate a resource transfer request. After a resource transfer request is initiated, when the terminal detects the user's selection of one of their associated accounts, it can determine that the account is the current account. The terminal can check whether the available resource value of the current account meets the corresponding required resource value. The available resource value represents the resource value in the current account that can be used for resource transfer, and the required resource value represents the resource value needed for the resource transfer request. If the terminal detects that the available resource value does not meet the required resource value corresponding to the resource transfer request, the terminal can obtain the resource change history information of the user's other accounts. These other accounts can be accounts associated with the user, other than the current account. The user can have one or more other accounts, and the resource change history information represents the numerical changes of resources in each of the user's accounts over a historical period. For example, the number of times resources are transferred, and the value of resources transferred each time.

[0059] Step S204: Determine the success rate of other accounts being selected based on the resource change history information of other accounts.

[0060] After determining the resource change history of other user accounts, the terminal can determine the selection success rate of each other account based on this information. The selection success rate represents the probability that the user will choose other accounts to fulfill the required resource value when the available resource value of the current account does not meet the required resource value. In other words, the selected other accounts are used to transfer the corresponding resource value to the current account. The resource change history can include various types of changes. For example, it can include changes during routine resource transfers (resource value transfers from the user's account to other users' accounts), and changes that occur when the user needs to select other accounts to fulfill the required resource value (resource value transfers from one user account to another). The terminal can use different methods to determine the selection success rate of each other account for different types of resource change history.

[0061] Step S206: Based on the success rate of selection, display the candidate accounts among the other accounts.

[0062] The success rate of selection for each of the user's other accounts can be different. After determining the success rate of selection for each other account, the terminal can display candidate accounts among the other accounts based on the success rate. For example, the terminal can set a success rate threshold. If the success rate of selection for another account is less than the threshold, it cannot be used as a candidate account. If the success rate of selection is greater than or equal to the threshold, it can be used as a candidate account.

[0063] There may be one or more candidate accounts. To facilitate user selection, in some embodiments, the terminal may display candidate accounts in descending order of their selection success rate. The terminal may also distinguish the first candidate account from the others. Since different accounts may have different selection success rates, a higher success rate indicates a greater likelihood that the user will choose that candidate account to transfer resources to the current account. Therefore, the terminal can distinguish the first candidate account from the others. For example, the terminal can add a preset display identifier, such as an asterisk or other prominent graphic identifier, to the first candidate account, thus recommending that user choose that account.

[0064] Step S208: In response to the user's selection of the target account from the candidate accounts, the target resource value of the target account is transferred to the current account so that the available resource value of the current account meets the required resource value.

[0065] Users can select from a list of candidate accounts, and the selected candidate account becomes the target account. After detecting the user's selection of the target account, the terminal can determine the target resource value to be transferred to the current account based on the aforementioned required resource value, and transfer the target resource value from the target account to the current account. The available resource value of the current account can be increased by the value corresponding to the target resource value, so that the terminal can meet the aforementioned required resource value using the available resource value of the current account.

[0066] The terminal can determine the specific value of the target resource value in various ways. For example, in some embodiments, the terminal can determine the target resource value based on the difference between the required resource value and the available resource value, in which case the available resource value in the terminal can just meet the required resource value. In other embodiments, the terminal can also use all available resource values ​​in the target account as the target resource value and transfer them to the current account, or determine the value entered by the user as the target resource value.

[0067] In the aforementioned resource transfer method, when the available resource value of a user's current account does not meet the required resource value, the success rate of selecting each other account is determined based on the resource change history information of the user's other accounts. Candidate accounts determined based on the selection success rate are then displayed. After the user selects the target account from the candidate accounts, the target resource value of the target account is transferred to the current account, ensuring that the available resource value of the current account meets the required resource value. Compared to the traditional method where transfer is impossible if the user's current account does not meet the required resource value, this solution improves the efficiency of resource transfer by recommending other accounts for resource transfer to the current account based on the resource change history information of other accounts when the current account does not meet the required resource value.

[0068] In one embodiment, obtaining resource change history information of other accounts of a user includes: obtaining a first resource transfer history of other accounts; the first resource transfer history is a record of transferring resources to other users' accounts.

[0069] In this embodiment, the aforementioned resource change history information includes a first resource transfer history record. This first resource transfer history record represents records of resources transferred from a user's account to other users' accounts, such as change information when a user performs resource transfers routinely. When the resource change history information is the first resource transfer history record, the terminal can determine the selected power using a decision tree approach.

[0070] For example, in one embodiment, determining the selection success rate of other accounts based on their resource change history information includes: for each other account, obtaining the first resource transfer count corresponding to the first resource transfer history of that other account, and obtaining the median of the first resource transfer value corresponding to the first resource transfer history of that other account; constructing a decision tree based on the first resource transfer count; wherein, in the decision tree, each node corresponds to one other account, and the higher the level of the node, the more first resource transfer counts the other account has; obtaining at least one node in the decision tree that has a median greater than or equal to the required resource value, and determining the selection success rate of the corresponding other account based on the level of each of the at least one node.

[0071] In this embodiment, the terminal can determine a selection success rate for each other account. For each other account associated with the aforementioned user, the terminal can obtain the first resource transfer count corresponding to the first resource transfer history of that other account. The first resource transfer count represents the number of times that other account has transferred resources to other users' accounts. The terminal can also obtain the median of the first resource transfer values ​​corresponding to the first resource transfer history of that other account. This median can be the median of multiple first resource transfer values ​​corresponding to multiple resource transfers of that other account. After obtaining the median of the first resource transfer counts and first resource transfer values ​​for each of the aforementioned other accounts, the terminal can construct a decision tree based on the first resource transfer counts. For example, the terminal can associate each node with one other account and construct the decision tree in descending order of the first resource transfer counts. That is, the higher the level of the node in the decision tree, the more first resource transfer counts the corresponding other account has. The terminal can also perform hierarchical retrieval within the decision tree. For example, each node in the decision tree corresponds to a median. The terminal can compare the required resource value with the median, retrieve at least one node that is greater than or equal to the median of the required resource value, and determine the success rate of selection for other accounts based on the layer number of each of the retrieved nodes. The smaller the retrieval layer number, the higher the success rate of selection.

[0072] Specifically, such as Figure 4 As shown, Figure 4This is a schematic diagram of the decision tree structure in one embodiment. The aforementioned transfer of resources from other user accounts to the current account can be referred to as resource allocation recommendation. The aforementioned first resource transfer history can be a transfer record generated by a user during daily account usage. The terminal can analyze the user's daily account usage records and, through a decision tree algorithm model, classify accounts into ranges of potential resource transfer rates and transferable resource values ​​based on the frequency and amount of transfers made during daily use. For example, the terminal can obtain the historical records of successful transfers from each user's account to other accounts, extracting the account identifier, the first resource transfer value, and the number of first resource transfers. The terminal builds a model according to the decision tree algorithm, using the median of all first resource transfer values ​​as the root node to construct the decision tree. The tree is constructed from top to bottom according to the decreasing number of first resource transfers, with accounts having the most resource transfers becoming the next level's internal nodes, and finally, the account with the fewest first resource transfers becoming the leaf node, completing the construction of the entire decision tree. When the terminal needs to determine the target account, it can make a tiered judgment based on the range of resource requirement values. That is, the judgment is made at the level where the median of the nodes is greater than or equal to the resource requirement value, and the combination of [first resource transfer value, account identifier, and retrieval level] is returned. The smaller the retrieval level, the higher the success rate of selection. The terminal can determine the corresponding account identifier according to the success rate of selection from high to low.

[0073] Through this embodiment, the terminal can determine the success rate of selection of each other account of the user based on the decision tree and the user's historical information on resource transfer to other users, thereby improving the efficiency of the resource transfer process.

[0074] In one embodiment, determining the selection success rate of other accounts based on the resource change history information of other accounts includes: for each other account, obtaining the second resource transfer count corresponding to the second resource transfer history of the other account, and obtaining the second resource transfer value corresponding to the second resource transfer history of the other account; identifying other accounts among the other accounts that have a second resource transfer value greater than or equal to the required resource value, and determining the selection success rate of the other account based on the second resource transfer count corresponding to the other account.

[0075] In this embodiment, the aforementioned resource change history information may include a second resource transfer history record, and the first resource history record may be a record of resource transfers from one user account to another user account. For example, this resource change information arises when a user needs to select another user account to meet their required resource value. When the terminal needs to determine the selection success rate of each user account, it can obtain the second resource transfer history record of the other accounts. For each other user account, the terminal can obtain the second resource transfer count corresponding to the second resource transfer history record of that other account. The second resource transfer count represents the number of resource transfers that occur between the user's associated accounts. The terminal can also obtain the second resource transfer value corresponding to the second resource transfer history record of that other account; if there are multiple second resource transfer counts, then there are multiple second resource transfer values. The terminal can determine other accounts from the aforementioned other accounts that have a second resource transfer value greater than or equal to the required resource value, and determine the selection success rate of that other account based on the second resource transfer count corresponding to that other account. For example, if the terminal detects that among multiple second resource transfer values ​​of an other account there is a value greater than or equal to the required resource value, the terminal can determine the selection success rate based on the second resource transfer count of that other account.

[0076] Specifically, such as Figure 5 As shown, Figure 5 This is a flowchart illustrating the resource transfer steps in one embodiment. Resource transfer types include records of daily user usage and records of resource allocation. The aforementioned second resource transfer history can be a resource allocation process. The terminal can determine the success rate of each account for resource transfer and the available resource value based on the user's resource allocation history, according to the frequency of transfers and the resource value transferred each time. The terminal can use different methods to determine the success rate in different situations. For example, if the required resource value can be matched in the second resource transfer history, the terminal can prioritize determining the success rate by frequency and number of transfers; otherwise, the terminal can use the decision tree method corresponding to the first resource transfer history to determine the success rate. Based on the success rate, the terminal can display to the user the account with the highest success rate or multiple accounts with success rates greater than or equal to a preset success rate threshold.

[0077] Through this embodiment, the terminal can determine the success rate of selection for each of the user's other accounts based on the user's historical records of resource allocation, thereby improving the efficiency of the resource transfer process.

[0078] In one embodiment, prior to the user's selection of the current account when a resource transfer request is initiated, the method further includes: in response to the resource transfer request, determining each of the user's accounts; for each account, if the account has at least one resource value transfer reduction policy, determining at least one resource value transfer reduction value based on the at least one resource value transfer reduction policy and the resource transfer request; displaying each account and its respective at least one resource value transfer reduction value; and obtaining the user's selection of the current account among the accounts.

[0079] In this embodiment, the user's account can also have a corresponding resource value transfer reduction strategy. This strategy indicates that when a user uses this account to transfer resources, the value of the transferred resources can be reduced under certain conditions, thus saving resources. When a resource transfer request is initiated, the user needs to determine the account to be used for the transfer. The terminal can first obtain the user's associated accounts. A user can associate multiple accounts. For each account, the terminal can check whether the account has a resource value transfer reduction strategy. If at least one resource value transfer reduction strategy exists, the terminal can determine at least one resource value transfer reduction value based on the at least one strategy and the resource transfer request. For example, the terminal can compare the relevant information of the resource transfer request with the requirements of each resource value transfer reduction strategy to determine the resource value that can be reduced in this resource transfer request. The resource value reduction determined by each resource value transfer reduction strategy can be different.

[0080] The terminal can display each account associated with the aforementioned user, and at least one resource value transfer reduction value for each account. For example, the terminal can display each account and its resource value transfer reduction value in descending order of the resource value transfer reduction value. The user can select one account from the displayed accounts as the current account. The terminal can also distinguish the account with the highest resource value transfer reduction value from other accounts, for example, by adding a corresponding icon to the account with the highest resource value transfer reduction value to prompt the user to select that account first.

[0081] Through this embodiment, the terminal can determine the resource value transfer reduction value for each account based on the resource value transfer reduction strategy, so that the terminal can display the resource value transfer reduction value for each account, thereby improving the efficiency of users when transferring resources.

[0082] In one embodiment, for each account, if the account has at least one resource value transfer reduction policy, then determining at least one resource value transfer reduction value based on the at least one resource value transfer reduction policy and the resource transfer request includes: for each account, determining at least one first comparison result by comparing the initiation time of the resource transfer request with the reduction validity period in each resource value transfer reduction policy; obtaining at least one second comparison result by comparing the required resource value of the resource transfer request with a first threshold of the reduction value threshold in each resource value transfer reduction policy, and comparing the cumulative reduction value of the account within the reduction validity period with a second threshold of the reduction value threshold in each resource value transfer reduction policy; determining at least one third comparison result by comparing the region where the account is located with the reduction region in each resource value transfer reduction policy; and determining at least one resource value transfer reduction value corresponding to the account based on at least one first comparison result, at least one second comparison result, and at least one third comparison result.

[0083] In this embodiment, the aforementioned resource value transfer reduction strategy may include a reduction validity period, a reduction value threshold, and a reduction region. The reduction validity period represents the time during which the resource value transfer reduction strategy can apply the reduction. The first threshold of the reduction value threshold represents the minimum required resource value for the resource value transfer reduction strategy to take effect, and the second threshold represents the maximum resource value that the strategy can reduce. The reduction region represents the region where the resource value transfer reduction strategy takes effect. For each account, the terminal can determine the resource value transfer reduction value for each account through multiple comparisons. The terminal can obtain at least one first comparison result by comparing the initiation time of the resource transfer request with the reduction validity period of each resource value transfer reduction value; the terminal can obtain at least one second comparison result by comparing the required resource value of the resource transfer request with the first threshold of the reduction value threshold in each resource value transfer reduction strategy, and by comparing the cumulative reduction value of the account within the reduction validity period with the second threshold of the reduction value threshold in each resource value transfer reduction strategy; the terminal can also determine at least one third comparison result by comparing the region where the account is located with the reduction region in each resource value transfer reduction strategy. Thus, the terminal can determine at least one resource value transfer reduction value corresponding to the account based on at least one first comparison result, at least one second comparison result, and at least one third comparison result.

[0084] Specifically, such as Figure 6 As shown, Figure 6This is a flowchart illustrating the steps for determining a resource transfer reduction strategy in one embodiment. The aforementioned reduction strategy may include determining the effective reduction period, the reduction value and number of reductions, and the information related to the reduction strategy and the account. Specifically, regarding the determination of the effective reduction period, the terminal can determine whether the current resource transfer request can participate in a certain reduction strategy based on the start date and start time of the reduction strategy. If so, it proceeds to the next step; otherwise, it returns a message to the user indicating no reduction. The terminal can also determine whether the cumulative reduction value and number of reductions already achieved by the account have reached the corresponding threshold. If not, it proceeds to the next step; if so, it returns a message to the user indicating no reduction. The terminal can also return the account with the highest resource transfer reduction value currently associated with the user, based on the region, account identifier code, and reduction start value set in the current reduction strategy, combined with the user's associated accounts. The terminal can also calculate the resource transfer reduction value for each account associated with the user sequentially based on all current resource transfer reduction strategies and display the corresponding combination of account and resource transfer reduction value.

[0085] Through this embodiment, the terminal can determine the resource value transfer reduction value for each account based on multiple conditions, thereby improving the transfer efficiency of users in resource transfer requests.

[0086] In one embodiment, such as Figure 7 As shown, Figure 7 This is a flowchart illustrating the resource transfer method in another embodiment. In this embodiment, the terminal can implement the above-mentioned resource transfer method through various servers. For example, the terminal refers to devices such as mobile phones and tablets that install resource transfer software. It can connect to the backend of the resource transfer software through a telecommunications network and can also perform QR code scanning operations when users transfer resources online or offline. The resource transfer software can identify and parse the QR code information of the resource recipient scanned; provide users with card selection transfer, password input, and transfer identification functions; provide users with resource transfer reduction reminder information to guide users to enjoy resource value transfer reduction operations; and guide users to complete resource adjustment operations and return the transfer result screen. The resource transfer software server refers to the backend server of the resource transfer software, which can receive user information and resource transfer request information sent by the terminal APP and verify the validity and authenticity of the user; it can also submit order request information to the account issuer's acquiring system and return the order transfer result to the terminal; and it can also initiate small-amount resource transfer operations between accounts under the same username to the account issuer alliance.

[0087] The account issuer's acquiring system refers to the large computer deployed in the account issuer's backend. It provides an acquiring management system for resource recipients, enabling them to manage agreements, files, and transfers between account issuers and resource recipients. It also verifies the legality of resource transfer order request messages, judges the validity of resource recipients, and determines the limits on resource transfer order amounts. Furthermore, it can initiate reduction / exemption query requests to the account issuer alliance and return order verification results and a list of reduction / exemption values ​​to the resource transfer software server. The account issuer alliance reduction / exemption processing server, also deployed in the account issuer alliance's backend, provides order reduction / exemption list information to account issuers. It matches reduction / exemption activities based on the account issuer alliance resource recipient number, transfer channel, and transfer account, checks the validity of reduction / exemption activities (including activity status and start / end date and time), determines the remaining amount of reduction / exemption activities, compares it with the current resource transfer value, and returns a valid reduction / exemption list to the user. The account issuer alliance transfer server refers to a large computer deployed in the backend of the account issuer alliance. It can receive small-amount resource allocation transfer messages from users, verify the validity and legality of the transferring user information, check the resource transfer limit of the corresponding user account, initiate resource transfers between accounts, and return the results to the terminal.

[0088] Specifically, taking a mobile phone as the terminal, the process includes the following steps: 701) The user can open the resource transfer software on their mobile phone; 702) By scanning a QR code, a resource transfer request is initiated; 703) The resource transfer request enters the account issuer's acquiring system for pre-checking; 704) If the account issuer's acquiring system passes the pre-check, it performs an account issuer alliance discount query to determine whether the current resource transfer request can enjoy discounts and returns a discount list; 705) The terminal automatically selects account A with the largest discount based on the discount list returned by the account issuer alliance. If there is no discount, it automatically selects the account with transfer priority set in the resource transfer software user client; 706) The user agrees to use account A for transfer and clicks confirm; 707) The resource transfer software background calls the account issuer alliance transfer interface. The resource transfer process may include the following steps:

[0089] 708) Based on the account issuer to which account A belongs, call account issuer A to deduct the payment. If the deduction is successful, proceed to step 717; if the deduction fails, proceed to step 709.

[0090] 709) Payment failed, proceeding to resource transfer software backend user behavior analysis.

[0091] 710) The resource transfer software's backend user behavior analysis recommends account B as the optimal transfer-out account, proceeding to the resource allocation user selection step. If the user agrees to use account B as the transfer-out account, proceed to step 711; if the user disagrees with using account B as the transfer-out account and cancels the resource transfer request, proceed to step 713; if the user disagrees with using account B as the transfer-out account and selects another account, proceed to step 714.

[0092] 711) Call the account issuer alliance resource transfer interface;

[0093] 712) The account issuer alliance initiates a resource transfer operation from account B to account A; if the resource transfer is successful, proceed to step 708; if the resource transfer fails, re-enter the step of resource adjustment user selection, guiding the user to select a new account or cancel the resource transfer request.

[0094] 713) Cancel the resource transfer request and exit.

[0095] 714) The user selects account C as the transfer-out account for resource allocation, and proceeds to step 715.

[0096] 715) Call the account issuer alliance resource transfer interface.

[0097] 716) The account issuer alliance initiates a resource transfer operation from account C to account A; if the resource transfer is successful, proceed to step 708; if the resource transfer fails, re-enter the step of resource adjustment user selection, guiding the user to select a new account or cancel the resource transfer request.

[0098] 717) Account A's payment was successfully deducted, and the resource transfer request was completed, indicating that the transaction was successful.

[0099] In this embodiment, when the current account does not meet the required resource value, the terminal recommends other accounts for transferring resources to the current account based on the resource change history of other accounts, thus improving the efficiency of resource transfer. Furthermore, when the user scans the code, the backend automatically matches eligible promotions based on the account list and the current resource recipient, and automatically selects the account eligible for the discount. When a user encounters insufficient available resource value when using a specific account to enjoy discounted resource transfers, the confirmation button function automatically adjusts resources between accounts under the user's name without interrupting the transaction, greatly improving convenience. By analyzing user account usage behavior and resource adjustment success rates, the terminal automatically optimizes the identification algorithm parameters to improve the success rate of resource adjustment.

[0100] It should be understood that although the steps in the flowcharts of the above embodiments are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the above embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the steps or stages of other steps.

[0101] Based on the same inventive concept, this application also provides a resource transfer apparatus for implementing the resource transfer method described above. The solution provided by this apparatus is similar to the implementation described in the above method; therefore, the specific limitations in one or more resource transfer apparatus embodiments provided below can be found in the limitations of the resource transfer method described above, and will not be repeated here.

[0102] In one embodiment, such as Figure 8 As shown, a resource transfer device is provided, including: a response module 500, a determination module 502, a display module 504, and a transfer module 506, wherein:

[0103] The response module 500 is used to respond to the user's selection operation of the current account after the resource transfer request is initiated. If the available resource value of the current account does not meet the corresponding required resource value, it obtains the resource change history information of the user's other accounts.

[0104] The determination module 502 is used to determine the success rate of other accounts being selected based on the resource change history information of other accounts.

[0105] Display module 504 is used to display candidate accounts from other accounts based on the success rate of selection.

[0106] The transfer module 506 is used to transfer the target resource value of the target account to the current account in response to the user's selection operation of the target account among the candidate accounts, so that the available resource value of the current account meets the required resource value.

[0107] In one embodiment, the response module 500 is used to obtain a first resource transfer history of other accounts; the first resource transfer history is a record of transferring resources to other users' accounts.

[0108] In one embodiment, the determining module 502 is configured to, for each other account, obtain the first resource transfer count corresponding to the first resource transfer history of that other account, obtain the median of the first resource transfer value corresponding to the first resource transfer history of that other account; construct a decision tree based on the first resource transfer count; wherein, in the decision tree, each node corresponds to one other account, and the higher the level of the node, the more first resource transfer counts the other account has; obtain at least one node in the decision tree that has a median greater than or equal to the required resource value, and determine the selection success rate of the corresponding other account based on the level of each of the at least one node.

[0109] In one embodiment, the response module 500 is used to obtain a second resource transfer history of other accounts; the second resource transfer history is a record of resources transferred to the user's account.

[0110] In one embodiment, the determining module 502 is configured to, for each other account, obtain the second resource transfer count corresponding to the second resource transfer history of that other account, obtain the second resource transfer value corresponding to the second resource transfer history of that other account; determine other accounts among the other accounts that have a second resource transfer value greater than or equal to the required resource value, and determine the selection success rate of that other account based on the second resource transfer count corresponding to that other account.

[0111] In one embodiment, the display module 504 is used to display candidate accounts in descending order of their success rate, and to distinguish the first candidate account from the other candidate accounts.

[0112] In one embodiment, the apparatus further includes: a reduction module, configured to, in response to a resource transfer request, determine each of the user's accounts; for each account, if the account has at least one resource value transfer reduction policy, determine at least one resource value transfer reduction value based on the at least one resource value transfer reduction policy and the resource transfer request; display each account and its respective at least one resource value transfer reduction value; and obtain the user's selection operation for the current account among the accounts.

[0113] In one embodiment, the aforementioned reduction module is configured to, for each account, determine at least one first comparison result by comparing the initiation time of the resource transfer request with the effective reduction time in each resource value transfer reduction strategy; obtain at least one second comparison result by comparing the required resource value of the resource transfer request with a first threshold of the reduction value threshold in each resource value transfer reduction strategy, and comparing the cumulative reduction value of the account within the effective reduction time with a second threshold of the reduction value threshold in each resource value transfer reduction strategy; determine at least one third comparison result by comparing the region where the account is located with the reduction region in each resource value transfer reduction strategy; and determine at least one resource value transfer reduction value corresponding to the account based on at least one first comparison result, at least one second comparison result, and at least one third comparison result.

[0114] In one embodiment, the apparatus further includes a determining module, configured to determine a target resource value based on the difference between the required resource value and the available resource value.

[0115] Each module in the aforementioned resource transfer device can be implemented entirely or partially through software, hardware, or a combination thereof. These modules can be embedded in or independent of the processor in a computer device, or stored in the memory of a computer device as software, so that the processor can call and execute the operations corresponding to each module.

[0116] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as follows: Figure 9 As shown, the computer device includes a processor, memory, communication interface, display screen, and input devices connected via a system bus. The processor provides computing and control capabilities. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system and computer programs. The internal memory provides an environment for the operation of the operating system and computer programs stored in the non-volatile storage media. The communication interface is used for wired or wireless communication with external terminals; wireless communication can be achieved through Wi-Fi, mobile cellular networks, NFC (Near Field Communication), or other technologies. When the computer program is executed by the processor, it implements a resource transfer method. The display unit of the computer device forms a visually visible image and can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be an LCD screen or an e-ink display screen. The input devices can be a touch layer covering the display screen, buttons, a trackball, or a touchpad on the computer device casing, or an external keyboard, touchpad, or mouse.

[0117] Those skilled in the art will understand that Figure 9The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0118] In one embodiment, a computer device is provided, including a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program to implement the resource transfer method described above.

[0119] In one embodiment, a computer-readable storage medium is provided having a computer program stored thereon, which, when executed by a processor, implements the resource transfer method described above.

[0120] In one embodiment, a computer program product is provided, including a computer program that, when executed by a processor, implements the resource transfer method described above.

[0121] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0122] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The computer program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, databases, or other media used in the embodiments provided in this application can include at least one of non-volatile and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM). The databases involved in the embodiments provided in this application may include at least one type of relational database and non-relational database. Non-relational databases may include, but are not limited to, blockchain-based distributed databases. The processors involved in the embodiments provided in this application may be general-purpose processors, central processing units, graphics processing units, digital signal processors, programmable logic devices, quantum computing-based data processing logic devices, etc., and are not limited to these.

[0123] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0124] The embodiments described above are merely illustrative of several implementation methods of this application, and while the descriptions are specific and detailed, they should not be construed as limiting the scope of this patent application. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of this application, and these all fall within the protection scope of this application. Therefore, the protection scope of this application should be determined by the appended claims.

Claims

1. A resource transfer method, characterized in that, The method includes: In response to the user's selection of the current account after the resource transfer request is initiated, if the available resource value of the current account does not meet the corresponding required resource value, the resource change history information of the user's other accounts is obtained; the resource change history information includes a first resource transfer history record and a second resource transfer history record; the first resource transfer history record is a record of transferring resources to other users' accounts; the second resource transfer history record is a record of transferring resources to the user's account; If the required resource value is matched in the second resource transfer history, then for each of the other accounts, the number of second resource transfers corresponding to the second resource transfer history of that other account is obtained, and the second resource transfer value corresponding to the second resource transfer history of that other account is obtained; other accounts among the other accounts that have a second resource transfer value greater than or equal to the required resource value are determined, and the selection success rate of that other account is determined based on the number of second resource transfers corresponding to that other account; Otherwise, for each of the other accounts, obtain the first resource transfer count corresponding to the first resource transfer history of that other account, and obtain the median of the first resource transfer value corresponding to the first resource transfer history of that other account; construct a decision tree based on the first resource transfer count; wherein, in the decision tree, each node corresponds to one other account, and the higher the level of the node, the more first resource transfer counts the other account has; obtain at least one node in the decision tree that has a median greater than or equal to the median of the required resource value, and determine the selection success rate of the corresponding other account according to the level of each of the at least one node; Based on the selection success rate, candidate accounts from the other accounts are displayed; In response to the user's selection of a target account from the candidate accounts, the target resource value of the target account is transferred to the current account so that the available resource value of the current account meets the required resource value.

2. The method according to claim 1, characterized in that, The step of displaying candidate accounts from the other accounts based on the selection success rate includes: The candidate accounts are displayed in descending order of their success rate, with the first candidate account displayed distinguished from the others.

3. The method according to claim 1, characterized in that, The response prior to the user's selection of the current account when a resource transfer request is initiated also includes: In response to the resource transfer request, identify each of the user's accounts; For each account, if the account has at least one resource value transfer reduction strategy, then at least one resource value transfer reduction value is determined based on the at least one resource value transfer reduction strategy and the resource transfer request; Display each account and its respective at least one resource value transfer reduction value; Obtain the user's selection operation for the current account among the accounts.

4. The method according to claim 3, characterized in that, The resource value transfer reduction strategy includes the effective time of reduction, the threshold value of reduction, and the region of reduction. For each account, if the account has at least one resource value transfer reduction policy, then based on the at least one resource value transfer reduction policy and the resource transfer request, at least one resource value transfer reduction value is determined, including: For each account, at least one first comparison result is determined by comparing the initiation time of the resource transfer request with the effective time of the reduction in each resource value transfer reduction strategy; Based on the comparison between the required resource value of the resource transfer request and the first threshold of the reduction value threshold in each resource value transfer reduction strategy, and the comparison between the cumulative reduction value of the account during the effective period of the reduction and the second threshold of the reduction value threshold in each resource value transfer reduction strategy, at least one second comparison result is obtained. Based on a comparison between the region where the account is located and the regions that receive exemptions under each resource value transfer exemption strategy, at least one third comparison result is determined; Based on the at least one first comparison result, at least one second comparison result, and at least one third comparison result, determine at least one resource value transfer reduction value corresponding to the account.

5. The method according to any one of claims 1 to 4, characterized in that, Before transferring the target resource value from the target account to the current account, the method further includes: The target resource value is determined based on the difference between the required resource value and the available resource value.

6. A resource transfer device, characterized in that, The apparatus is used to implement the resource transfer method according to any one of claims 1-5, and the apparatus comprises: The response module is used to respond to the user's selection operation of the current account after the resource transfer request is initiated. If the available resource value of the current account does not meet the corresponding required resource value, the module obtains the resource change history information of the user's other accounts. The determination module is used to determine the success rate of selection of the other accounts based on the resource change history information of the other accounts; The display module is used to display candidate accounts among the other accounts based on the selection success rate; The transfer module is used to transfer the target resource value of the target account to the current account in response to the user's selection operation of the target account among the candidate accounts, so that the available resource value of the current account meets the required resource value.

7. A computer device comprising a memory and a processor, wherein the memory stores a computer program, characterized in that, When the processor executes the computer program, it implements the steps of the method according to any one of claims 1 to 5.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 5.

9. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 5.

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