Resource replacement method, device, equipment, medium and product
By automatically detecting user information and providing modification solutions, the inefficiency problem caused by manual review is solved, and the efficiency and user experience of resource replacement are improved.
Patent Information
- Application Number
- CN202411237949.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-05
- Publication Date
- 2024-12-24
AI Technical Summary
In the prior art, the platform relies on manual audit when reviewing resource replacement requests submitted by the user, resulting in low audit efficiency, high labor costs and low user resource replacement efficiency.
By receiving resource replacement request from the user side, we can detect whether the user information includes target information, such as identity information, transaction information and credit information. If it is missing, based on the corresponding relationship between the preset information and the modification plan, determine the target modification plan and go to the user side. Send, prompting the user to make changes.
It improves the efficiency of user information review and the efficiency of resource replacement process, reduces the dependence of manual review, and improves the user experience.
Smart Images
Figure CN119180607A_ABST
Abstract
Description
Technical Field
[0001] The present application belongs to the field of data processing technology, and in particular, relates to a resource replacement method, device, equipment, medium and product. Background Art
[0002] At present, more and more platforms have launched resource exchange businesses. For example, financial institutions have launched loan businesses. Users can submit user information for resource exchange to the platform. After the platform reviews the user information and approves it, it will issue exchange resources to the user.
[0003] However, when reviewing user information submitted by the user end, the platform often relies on manual review, resulting in low review efficiency and low resource replacement efficiency. Summary of the invention
[0004] The embodiments of the present application provide a resource replacement method, apparatus, device, medium and product, which can improve the efficiency of reviewing user information submitted by a user terminal during resource replacement.
[0005] In a first aspect, an embodiment of the present application provides a resource replacement method, including:
[0006] Receiving a resource replacement request of a target user sent by a user end, the resource replacement request including user information;
[0007] Detecting whether the user information includes target information, and obtaining a detection result, wherein the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information;
[0008] In the case where the detection result includes user information but does not include target information, the target modification scheme corresponding to the target information is determined based on the correspondence between the preset information and the modification scheme, and the target modification scheme is sent to the user terminal to prompt the target user to modify the target information based on the target modification scheme.
[0009] In a second aspect, an embodiment of the present application provides a resource replacement device, including:
[0010] A receiving module, used for receiving a resource replacement request of a target user sent by a user terminal, wherein the resource replacement request includes user information;
[0011] A detection module, used to detect whether the user information includes target information, and obtain a detection result, wherein the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information;
[0012] A determination module is used to determine the target modification scheme corresponding to the target information based on the correspondence between preset information and the modification scheme when the detection result includes user information but does not include target information, and send the target modification scheme to the user terminal to prompt the target user to modify the target information based on the target modification scheme.
[0013] In a third aspect, an embodiment of the present application provides an electronic device, the device comprising:
[0014] a processor and a memory storing computer program instructions;
[0015] When the processor executes the computer program instructions, it is used to execute the resource replacement method of the first aspect.
[0016] In a fourth aspect, an embodiment of the present application provides a computer storage medium having computer program instructions stored thereon, and when the computer program instructions are executed by a processor, the resource replacement method of the first aspect described above is implemented.
[0017] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when processed by a processor, implements the resource replacement method of the first aspect.
[0018] The resource replacement method, apparatus, equipment, medium and product provided in the embodiments of the present application detect whether the user information includes the target information when receiving the resource replacement request of the target user sent by the user end. When the detection result includes that the user information does not include the target information, it indicates that the user information lacks the information necessary for applying for resource replacement. By automatically detecting whether the user information includes the target information, the efficiency of reviewing the user information can be improved. Then, a target modification plan corresponding to the target information is sent to the user end to prompt the target user to modify the target information based on the target modification plan. By sending the target modification plan to the user and prompting the user to make modifications, the efficiency of user resource replacement can be further improved. BRIEF DESCRIPTION OF THE DRAWINGS
[0019] In order to more clearly illustrate the technical solution of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.
[0020] Figure 1 A flowchart of a resource replacement method provided for some embodiments of the present application.
[0021] Figure 2 A flowchart of another resource replacement method provided for some embodiments of the present application.
[0022] Figure 3 A flowchart of another resource replacement method provided for some embodiments of the present application.
[0023] Figure 4 A flowchart of another resource replacement method provided for some embodiments of the present application.
[0024] Figure 5 A schematic diagram of a resource replacement device provided in some embodiments of the present application.
[0025] Figure 6 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0026] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by illustrating the examples of the present application.
[0027] It should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the statement "include..." do not exclude the existence of other identical elements in the process, method, article or device including the elements.
[0028] It should be noted that the acquisition, storage, use and processing of data in the embodiments of the present application are in compliance with the relevant provisions of national laws and regulations.
[0029] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.
[0030] Before describing the technical solutions provided by the embodiments of the present application, in order to facilitate the understanding of the embodiments of the present application, the present application first specifically describes the problems existing in the related art:
[0031] At present, when the platform reviews the user information carried in the resource replacement request submitted by the user end, it often relies on manual review, which makes the review efficiency low, the labor cost high, and the efficiency of user resource replacement low, and the user experience is poor. Based on this, the embodiment of the present application provides a resource replacement method, device, equipment, medium and product that can solve the above problems. Below, a resource replacement method provided by an embodiment of the present application is described in detail.
[0032] In some embodiments, Figure 1 As shown, the embodiment of the present application provides a resource replacement method, which may include the following steps S110-S130:
[0033] S110: Receive a resource replacement request of a target user sent by a user terminal, where the resource replacement request includes user information.
[0034] Here, the user terminal may be a user device of the user, such as a mobile phone or a tablet, which may receive a resource replacement request of a target user sent by the user based on the user device. It is conceivable that the user terminal may also be a device of a different outlet, and the user may send a resource replacement request based on a device of an offline outlet. The above resource replacement request includes user information, which is information submitted by the user based on the user terminal for applying for resource replacement.
[0035] S120: Detect whether the user information includes target information and obtain a detection result, where the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information.
[0036] It is possible to detect whether the user information includes the target information and obtain the detection result. Here, the user information may include multiple different files, such as text files and image files. It is possible to detect whether the titles of the above different files include the target information and obtain the detection result. The above target information may include at least one of the target user identity information, target user transaction information, target user credit information and target user resource credential information. The target user identity information may be the user's identity certificate, such as the user's face image and fingerprint image, etc. The target user transaction information may be the user's transaction flow information in a financial institution, the target user credit information may be the user's personal credit value in a financial institution, and the target user resource credential information may be the resource credential information held by the user, such as movable property credential information or immovable property credential information held by the user.
[0037] S130: In the case where the detection result includes user information but does not include target information, determine the target modification plan corresponding to the target information based on the correspondence between the preset information and the modification plan, and send the target modification plan to the user terminal to prompt the target user to modify the target information based on the target modification plan.
[0038] When the detection result includes that the user information does not include the target information, the target modification scheme corresponding to the target information can be determined based on the correspondence between the preset information and the modification scheme. Here, the user information does not include the target information can be divided into multiple situations. The first is that the user information does not include any one of the multiple target information, such as the target user credit information or the target user resource credential information. The corresponding target modification scheme can be determined based on any one of the target information not included in the user information. Here, taking the user information not including the target user resource credential information as an example, the target modification scheme that prompts the user to apply for downloading the target user resource credential information based on the user resource management terminal can be determined based on the target user resource credential information. The second is that the user information does not include any two or more of the multiple target information, and the corresponding target modification scheme can be determined based on the two or more target information not included in the user information. For example, the user information does not include the target user identity information, the target user transaction information and the target user credit information as an example. Based on the target user identity information, the target user transaction information and the target user credit information, the target modification scheme that prompts the user to resubmit the target user identity information, the target user transaction information and the target user credit information can be determined.
[0039] It is conceivable that when the target modification scheme is matched based on the target information, the target modification scheme corresponding to the target information can be obtained by matching the target information with the historical information and the modification scheme corresponding to the historical information.
[0040] The present application implements the method of detecting whether the user information includes the target information after receiving the resource replacement request of the target user sent by the user end. If the detection result includes that the user information does not include the target information, it indicates that the user information lacks the information necessary for applying for resource replacement. The above process can query the integrity of the user information. Through the above automatic detection method of whether the user information includes the target information, the problem of low efficiency caused by manual review of user information in the prior art is overcome, and the efficiency of reviewing user information can be improved. After that, the target modification plan corresponding to the target information is sent to the user end to prompt the target user to modify the target information based on the target modification plan. By sending the target modification plan to the user and prompting the user to make changes, the efficiency of user resource replacement can be further improved.
[0041] In order to improve the accuracy of detecting whether the user information includes the target information, the user information can be feature extracted, and the feature text obtained by extraction is used to detect whether the target information is included. The specific steps are as follows:
[0042] In some embodiments, Figure 2 As shown, step S120: detecting whether the user information includes the target information, and obtaining the detection result, may include the following steps S210-S220:
[0043] S210: Based on a preset feature extraction algorithm, feature text is extracted from the user information to obtain text data.
[0044] Based on a preset feature extraction algorithm, feature text extraction can be performed on user information to obtain text data. Here, the SelectKBest algorithm can be used to extract feature text from user information.
[0045] S220: Detect whether the text data includes target information and obtain a detection result.
[0046] It is possible to detect whether the text data includes target information and obtain a detection result. Here, the target information may be at least one or more of the above-mentioned multiple target information, which will not be described in detail.
[0047] In some examples, it is possible to detect whether the text data includes characteristic keywords to determine whether the target data includes the target information. For example, in the above-mentioned multiple target information, multiple keywords can be pre-set based on each target information, and by detecting whether the text data includes a preset number of keywords, it is determined whether the text data includes the target data. Taking the target data as the target user's credit information as an example, keywords including "credit, credit value, and credit degree" can be set to detect whether the text data includes any one or more of the above keywords. When it is detected that the text data includes the above keywords, it can be determined that the text data includes the target user's credit information.
[0048] The embodiment of the present application obtains text data by performing feature extraction on user information based on a preset feature extraction algorithm, and can extract key parts of the user information and filter out some useless information. Then, by detecting whether the text data includes the target information, the accuracy and timeliness of the above-mentioned detection process can be improved, thereby improving the efficiency of reviewing user information.
[0049] In order to further improve the accuracy of the above detection process, feature text extraction can be performed based on a preset model.
[0050] In some embodiments, based on a preset feature extraction algorithm, feature text extraction is performed on user information to obtain text data, which may include:
[0051] Based on the feature extraction algorithm included in the extraction model, feature text is extracted from the user information to obtain text data.
[0052] Here, an extraction model including a feature extraction algorithm may be pre-set, and feature text extraction may be performed on user information through an extraction module to obtain text data. Based on the extraction model, text data necessary for resource replacement may be extracted. By extracting text data based on the above-mentioned preset extraction module, the accuracy and efficiency of the extracted text data can be improved, and the efficiency and accuracy of the user information review process during resource replacement can be improved.
[0053] Before extracting feature text from user information based on the extraction model, the extraction model can be trained. The specific training process is as follows:
[0054] In some embodiments, based on the feature extraction algorithm included in the extraction model, feature text extraction is performed on the user information to obtain text data, and the method further includes:
[0055] A training sample is obtained, the training sample includes sample information and sample text data, wherein one sample information corresponds to one sample text data; the sample information is input into an initial extraction model to obtain predicted text data; and the initial extraction model is trained based on the sample text data and the predicted text data to obtain an extraction model.
[0056] Training samples can be acquired in advance, and the training samples may include sample information and sample text data. The sample information and sample text data may be obtained based on historical information and historical text data. The sample information may be input into an initial extraction module, and feature text in the sample information may be extracted by a data extraction model to obtain predicted text data. The loss function of the extraction model may be trained based on the sample text data and the predicted text data until the loss function meets preset conditions to obtain an extraction model.
[0057] In some examples, the extraction model can be continuously trained and optimized based on the text data and user data obtained above to improve the robustness of the extraction model.
[0058] The embodiment of the present application can improve the accuracy of the extraction model in extracting text data, thereby improving the detection accuracy of user information, by training the initial extraction model based on the training samples to obtain the extraction model.
[0059] The user information may include information in different formats, such as text files or image files. When the user information includes a text file, feature text extraction may be performed on the text file to obtain text data. The specific process is as follows:
[0060] In some embodiments, the user information includes an image of the user;
[0061] like Figure 3 As shown, based on a preset feature extraction algorithm, feature text extraction is performed on user information. Before obtaining text data, the method may further include the following steps:
[0062] S310: Calculate the clarity value of the user image based on a preset clarity detection algorithm.
[0063] The clarity value of the user image may be calculated based on a clarity detection algorithm, for example, the clarity value of the user image may be calculated based on a clarity detection algorithm included in open source image processing software. Here, the user image is an image taken by the user based on a user device.
[0064] Based on the preset feature extraction algorithm, feature text is extracted from user information to obtain text data, which may include:
[0065] S320: Based on a preset feature extraction algorithm, feature text is extracted from the target user image whose clarity value is greater than or equal to a threshold to obtain text data.
[0066] Based on a preset feature extraction algorithm, feature text extraction can be performed on the target user image whose clarity value is greater than or equal to a threshold, and feature text extraction can be performed on the target user image based on a feature extraction algorithm included in an open source image processing software to obtain text data. For example, feature text extraction is performed on the target user image based on an optical character recognition engine technology (such as Tesseract) to obtain text data.
[0067] In the embodiment of the present application, when the user information includes a user image, the clarity value of the user image is first detected based on a clarity detection algorithm, and then feature text extraction is performed on the target user image whose clarity value is greater than or equal to a threshold value to obtain text data. This can screen user images with higher clarity values for feature text extraction, thereby improving the accuracy of the above-mentioned user information detection process.
[0068] When it is detected that the user information includes the target information, it is necessary to verify the accuracy of the user information including the target information, and send the replacement resource to the user terminal after the verification is passed. The specific process is as follows:
[0069] In some embodiments, Figure 4 As shown, after detecting whether the user information includes the target information and obtaining the detection result, the method further includes steps S410-S430:
[0070] S410: When the detection result includes user information including target information, first user information including target information is determined in the user information.
[0071] When the detection result includes user information and target information, the first user information including the target information can be determined in the user information. Here, the first user information is information including at least one of the target user identity information, target user transaction information, target user credit information and target user resource credential information.
[0072] S420: Send the first user information to the verification end, so that the verification end can query whether the data stored in the verification end includes the first user information, and obtain a query result.
[0073] The first user information can be sent to the verification end so that the verification end queries whether the first user information is included in the data stored in the verification end to obtain the query result. For example, when the first user information is information including the credit information of the target user, the verification end can query whether the user credit value recorded in the first user information is consistent with the credit value stored in the verification end to obtain the query result.
[0074] S430: When receiving the response information sent by the verification end, send the replacement resource to the user end.
[0075] When the verification end queries that the data stored in the verification end includes the first user information, the verification end can send a response message, and when receiving the response message sent by the verification end, the replacement resource can be sent to the user end. Here, an exchange voucher for exchanging the replacement resource can be sent to the user end, so that the user end exchanges the replacement resource based on the exchange voucher.
[0076] In some examples, the above verification terminals may include multiple ones, and the corresponding target first user information may be sent to different verification terminals respectively so that the verification terminals can query whether the stored data includes the target first user information. For example, the target first user information including the target user's credit information is sent to the first verification terminal, and the target first user information including the target user's identity information is sent to the second verification terminal, and so on. By sending different target first user information to different verification terminals, the first user information can be verified, thereby improving the verification efficiency of the accuracy of the above first user information verification.
[0077] The embodiment of the present application can screen out the information necessary for applying for resource exchange by determining the first user information including the target information when the user information includes the target information, and then sending the first information including the target information to the verification end, and verifying the first information based on the verification end to determine the authenticity of the first information, and then sending the replacement resource to the user end when receiving the response information sent by the verification end, thereby completing the resource replacement under the condition of automatically reviewing the user information, and improving the efficiency of resource replacement.
[0078] In some examples, an artificial intelligence algorithm can be introduced. When the above-mentioned verification terminal includes multiple ones, intelligent review scheduling can be performed when the above-mentioned user information is queried for its completeness and accuracy, thereby saving system computing resources and generating an intelligent detection report after the user completes the application for resource replacement. The intelligent detection report can record the system log of the above-mentioned process, so as to facilitate the monitoring of the user resource replacement process.
[0079] Based on the same inventive concept, an embodiment of the present application also provides a resource replacement device.
[0080] In some embodiments, Figure 5 As shown, an embodiment of the present application provides a resource replacement device, which may include:
[0081] The receiving module 501 is used to receive a resource replacement request of a target user sent by a user terminal, where the resource replacement request includes user information;
[0082] The detection module 502 is used to detect whether the user information includes the target information and obtain the detection result, wherein the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information;
[0083] Determination module 503 is used to determine the target modification scheme corresponding to the target information based on the correspondence between preset information and the modification scheme when the detection result includes user information but does not include target information, and send the target modification scheme to the user terminal to prompt the target user to modify the target information based on the target modification scheme.
[0084] In some embodiments, the detection module may be specifically used to:
[0085] Based on the preset feature extraction algorithm, feature text is extracted from user information to obtain text data;
[0086] Detect whether the text data includes the target information and obtain the detection result.
[0087] In some embodiments, the detection module may be specifically used to:
[0088] Based on the feature extraction algorithm included in the extraction model, feature text is extracted from the user information to obtain text data.
[0089] In some embodiments, the acquisition module may also be used to:
[0090] Obtaining a training sample, the training sample includes sample information and sample text data, wherein one sample information corresponds to one sample text data;
[0091] Input the sample information into the initial extraction model to obtain the predicted text data;
[0092] The initial extraction model is trained based on the sample text data and the predicted text data to obtain the extraction model.
[0093] In some embodiments, the user information includes an image of the user;
[0094] The extraction module can also be used to:
[0095] Calculate the clarity value of the user's image based on a preset clarity detection algorithm;
[0096] The extraction module can also be used to:
[0097] Based on a preset feature extraction algorithm, feature text is extracted from target user images whose clarity values are greater than or equal to a threshold value to obtain text data.
[0098] In some embodiments, the detection module may also be used to:
[0099] In the case where the detection result includes the user information including the target information, determining first user information including the target information in the user information;
[0100] Sending the first user information to the verification end, so that the verification end can query whether the data stored in the verification end includes the first user information, and obtain a query result;
[0101] When receiving the response information sent by the verification end, the replacement resource is sent to the user end.
[0102] The apparatus of the above embodiment is used to implement the corresponding resource replacement method in any of the above embodiments, and has the beneficial effects of the corresponding method embodiment, which will not be described in detail here.
[0103] Figure 6 A schematic diagram of the hardware structure of an electronic device provided in an application embodiment.
[0104] The electronic device 600 may include a processor 601 and a memory 602 storing computer program instructions.
[0105] Specifically, the processor 601 may include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.
[0106] The memory 602 may include a large capacity memory for data or instructions. By way of example and not limitation, the memory 602 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive or a combination of two or more of these. In appropriate cases, the memory 602 may include a removable or non-removable (or fixed) medium. In appropriate cases, the memory 602 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, the memory 602 is a non-volatile solid-state memory.
[0107] In certain embodiments, memory 602 includes a read-only memory (ROM). The ROM may be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically rewritable ROM (EAROM), or flash memory, or a combination of two or more of the above, where appropriate.
[0108] The memory may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Thus, typically, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to the first aspect of the present application.
[0109] The processor 601 implements any one of the resource replacement methods in the above embodiments by reading and executing computer program instructions stored in the memory 602 .
[0110] In one example, the electronic device may further include a communication interface 603 and a bus 604. Figure 6 The processor 601, the memory 602, and the communication interface 603 are connected via a bus 604 and communicate with each other.
[0111] The communication interface 603 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.
[0112] Bus 604 includes hardware, software or both, and the parts of online data flow billing equipment are coupled to each other. For example, but not limitation, bus may include accelerated graphics port (AGP) or other graphics bus, enhanced industrial standard architecture (EISA) bus, front-end bus (FSB), hypertransport (HT) interconnection, industrial standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnection (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 604 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.
[0113] The electronic device of the above embodiment is used to implement the corresponding resource replacement method in any of the above embodiments, and has the beneficial effects of the corresponding method embodiment, which will not be described in detail here.
[0114] In addition, in combination with the resource replacement method in the above embodiment, the embodiment of the present application can provide a computer storage medium for implementation. The computer storage medium stores computer program instructions; when the computer program instructions are executed by a processor, any one of the resource replacement methods in the above embodiment is implemented.
[0115] In addition, in combination with the resource replacement method in the above embodiment, the embodiment of the present application can provide a computer program product to implement. When the computer program product instructions are executed by a processor of an electronic device, any one of the resource replacement methods in the above embodiment is implemented.
[0116] Those skilled in the art should understand that the discussion of any of the above embodiments is merely illustrative and is not intended to imply that the scope of the present application (including the claims) is limited to these examples. In line with the concept of the present application, the technical features in the above embodiments or different embodiments may be combined, the steps may be implemented in any order, and there are many other variations of the different aspects of the embodiments of the present application as described above, which are not provided in detail for the sake of simplicity.
[0117] The functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, it can be, for example, an electronic circuit, an application specific integrated circuit (ASIC), appropriate firmware, a plug-in, a function card, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium capable of storing or transmitting information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.
[0118] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or devices based on a series of steps or devices. However, this application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the embodiment, or in a different order from the embodiment, or several steps can be performed simultaneously.
[0119] The above reference is according to the method of the embodiment of the present application, the flow chart of the device (device) and the computer program product and / or the block diagram described various aspects of the present application.It should be understood that each square box in the flow chart and / or the block diagram and the combination of each square box in the flow chart and / or the block diagram can be realized by computer program instructions.These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed by the processor of the computer or other programmable data processing device enable the realization of the function / action specified in one or more square boxes of the flow chart and / or the block diagram.Such a processor can be but is not limited to a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit.It can also be understood that each square box in the block diagram and / or the flow chart and the combination of the square boxes in the block diagram and / or the flow chart can also be realized by the dedicated hardware that performs the specified function or action, or can be realized by the combination of dedicated hardware and computer instructions.
[0120] The above is only a specific implementation of the present application. Those skilled in the art can clearly understand that for the convenience and simplicity of description, the specific working processes of the above-described devices, modules and units can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the protection scope of the present application is not limited to this. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application.
Claims
1. A resource replacement method, characterized in that: include: Receiving a resource replacement request of a target user sent by a user terminal, wherein the resource replacement request includes user information; Detecting whether the user information includes target information, and obtaining a detection result, wherein the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information; In a case where the detection result includes the user information but does not include the target information, a target modification scheme corresponding to the target information is determined based on a correspondence between preset information and the modification scheme, and the target modification scheme is sent to the user terminal to prompt the target user to modify the target information based on the target modification scheme.
2. The resource replacement method according to claim 1, characterized in that: The detecting whether the user information includes the target information and obtaining the detection result includes: Based on a preset feature extraction algorithm, feature text extraction is performed on the user information to obtain text data; Detect whether the text data includes the target information, and obtain a detection result.
3. The resource replacement method according to claim 2, characterized in that: The method of extracting feature text from the user information based on a preset feature extraction algorithm to obtain text data includes: Based on the feature extraction algorithm included in the extraction model, feature text extraction is performed on the user information to obtain the text data.
4. The resource replacement method according to claim 3, characterized in that: Before extracting feature text from the user information using the feature extraction algorithm included in the extraction model to obtain the text data, the method further includes: Acquire a training sample, wherein the training sample includes sample information and sample text data, wherein one piece of sample information corresponds to one piece of sample text data; Inputting the sample information into an initial extraction model to obtain predicted text data; The initial extraction model is trained based on the sample text data and the predicted text data to obtain the extraction model.
5. The resource replacement method according to claim 2, characterized in that: The user information includes a user image; Before extracting feature text from the user information based on a preset feature extraction algorithm to obtain text data, the method further includes: Calculate the clarity value of the user image based on a preset clarity detection algorithm; The method of extracting feature text from the user information based on a preset feature extraction algorithm to obtain text data includes: Based on a preset feature extraction algorithm, feature text extraction is performed on the target user image whose clarity value is greater than or equal to a threshold to obtain the text data.
6. The resource replacement method according to claim 2, characterized in that: After detecting whether the user information includes target information and obtaining the detection result, the method further includes: In a case where the detection result includes that the user information includes the target information, determining first user information including the target information in the user information; Sending the first user information to the verification end, so that the verification end can query whether the data stored in the verification end includes the first user information, and obtain a query result; When the response information sent by the verification end is received, the replacement resource is sent to the user end.
7. A resource replacement device, characterized in that: include: A receiving module, configured to receive a resource replacement request of a target user sent by a user terminal, wherein the resource replacement request includes user information; A detection module, used to detect whether the user information includes target information, and obtain a detection result, wherein the target information includes at least one of the following: target user identity information, target user transaction information, target user credit information, and target user resource credential information; A determination module is used to determine a target modification scheme corresponding to the target information based on a correspondence between preset information and the modification scheme when the detection result includes the user information but does not include the target information, and send the target modification scheme to the user terminal to prompt the target user to modify the target information based on the target modification scheme.
8. An electronic device, characterized in that: The device includes: a processor, and a memory storing computer program instructions; The processor reads and executes the computer program instructions to implement the resource replacement method according to any one of claims 1 to 6.
9. A readable storage medium, characterized in that: The readable storage medium stores computer program instructions, and when the computer program instructions are executed by a processor, the resource replacement method according to any one of claims 1 to 6 is implemented.
10. A computer program product, comprising a computer program, characterized in that When the computer program is processed by a processor, the resource replacement method according to any one of claims 1 to 6 is implemented.