Resource transfer processing method and device, computer equipment and storage medium

Abstract

The invention relates to a resource transfer processing method and device, computer equipment, a computer readable storage medium and a computer program product. The method comprises the following steps: in response to a resource transfer-out request event initiated by a user through a resource management client, skipping to a resource transfer-out configuration page, and displaying resource information of a transfer-out resource on the resource transfer-out configuration page; and under the condition that the user determines that the resource is expected to be transferred out according to the resource information, displaying product information of the first resource management product matched with the resource expected to be transferred out, and displaying a recommendation reason of the first resource management product corresponding to the product information. Wherein the recommendation reason of the first resource management product is used for guiding the user to convert at least one part of the resources expected to be transferred out into the first resource management product. By adopting the method, the frequent transfer of resources can be reduced to a certain extent, so that the stickiness between the resource management service platform and the user is enhanced, and the computing resources are further saved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a resource transfer processing method, apparatus, computer equipment, computer-readable storage medium, and computer program product. Background Art

[0002] With the rapid development of computer technology, more and more resource management service platforms have emerged. Users can transfer their own resources to the resource management account corresponding to the resource management platform through the resource management client to convert the resources into resource management products provided by the resource management platform; users can also transfer resources out of the resource management account through the resource management client.

[0003] In the conventional technology, when a user requests to transfer out resources in a resource management account, the page jumps to the resource transfer configuration page. If the user confirms the desired transfer of resources on the resource transfer configuration page, the desired transfer of resources is transferred out of the resource management account. Using conventional technology may cause resources in the resource management account to be frequently transferred, which may easily lead to a waste of computing resources. Summary of the invention

[0004] Based on this, it is necessary to provide a resource transfer processing method, device, computer equipment, computer-readable storage medium and computer program product that can save computing resources in response to the above technical problems.

[0005] In a first aspect, the present application provides a resource transfer processing method. The method comprises:

[0006] In response to a resource transfer request event initiated by a user through a resource management client, jump to a resource transfer configuration page;

[0007] On the resource transfer configuration page, display resource information of resources that can be transferred out;

[0008] When the user determines the desired transfer-out resource according to the resource information, product information of a first resource management product matching the desired transfer-out resource is displayed; the first resource management product is at least one of a plurality of resource management products provided by the resource management service platform corresponding to the resource management client;

[0009] Corresponding to the product information, a reason for recommending the first resource management product is displayed; the reason for recommending is used to guide the user to convert at least a portion of the desired transferred-out resources into the first resource management product.

[0010] In a second aspect, the present application also provides a resource transfer processing device. The device comprises:

[0011] A configuration page display module, used to jump to a resource transfer configuration page in response to a resource transfer request event initiated by a user through a resource management client;

[0012] A resource information display module, used to display resource information of transferable resources on the resource transfer configuration page;

[0013] A product information display module is used to display product information of a first resource management product matching the desired transfer-out resource when the user determines the desired transfer-out resource according to the resource information; the first resource management product is at least one of a plurality of resource management products provided by the resource management service platform corresponding to the resource management client;

[0014] The recommendation reason display module is used to display the recommendation reason of the first resource management product corresponding to the product information; the recommendation reason is used to guide the user to convert at least part of the desired transferred resources into the first resource management product.

[0015] In a third aspect, the present application also provides a resource transfer processing method. The method comprises:

[0016] In the case where a user initiates a resource transfer request event through a resource management client, determining resource information of transferable resources; the resource information is used to indicate that the user determines the desired transfer-out resource;

[0017] Determining a first resource management product that matches the desired transfer-out resource from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client;

[0018] Feedback the product information and recommendation reason of the first resource management product to the resource management client; the recommendation reason is used to guide the user to convert at least a part of the desired transferred-out resources into the first resource management product.

[0019] In a fourth aspect, the present application also provides a resource transfer processing device. The device includes:

[0020] A resource information determination module, used to determine resource information of transferable resources when a user initiates a resource transfer request event through a resource management client; the resource information is used to indicate that the user determines the desired transfer-out resource;

[0021] A product matching module, configured to determine a first resource management product that matches the desired transfer-out resource from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client;

[0022] An information feedback module is used to feed back product information and recommendation reasons of the first resource management product to the resource management client; the recommendation reasons are used to guide the user to convert at least part of the desired transferred resources into the first resource management product.

[0023] In a fifth aspect, the present application further provides a computer device, wherein the computer device comprises a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the above method when executing the computer program.

[0024] In a sixth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein the computer program implements the steps of the above method when executed by a processor.

[0025] In a seventh aspect, the present application further provides a computer program product, wherein the computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the above method are implemented.

[0026] The resource transfer processing method, device, computer device, computer readable storage medium and computer program product described above, in response to a resource transfer request event initiated by a user through a resource management client, jumps to a resource transfer configuration page, and displays resource information of transferable resources on the resource transfer configuration page, so that the user can determine the desired transfer-out resource according to the resource information, can ensure the accuracy of the desired transfer-out resource, avoid repeated verification and reminders caused by the mismatch between the desired transfer-out resource and the user's actual held resource, and is conducive to saving computing resources. When the user determines the desired transfer-out resource, the product information of the first resource management product matching the desired transfer-out resource is displayed, and corresponding to the product information, the recommendation reason of the first resource management product is displayed, and the recommendation reason is used to guide the user to convert at least a part of the desired transfer-out resource into the first resource management product. Since the first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client, the above method can guide the user to continue to hold the resource in the resource management client instead of directly transferring the resource from the resource management client, which can reduce the frequent transfer of resources to a certain extent, thereby enhancing the stickiness between the resource management service platform and the user, and is conducive to further saving computing resources. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] FIG1 is an application environment diagram of a resource transfer processing method in one embodiment;

[0028] FIG2 is a schematic diagram of a process flow of a resource transfer processing method in one embodiment;

[0029] FIG3 is a schematic diagram of interface changes during a resource transfer process in one embodiment;

[0030] FIG4 is a schematic diagram of interface changes during resource transfer processing in another embodiment;

[0031] FIG5 is a schematic diagram of a display page of information cards corresponding to a plurality of first resource management products respectively in one embodiment;

[0032] FIG6 is a schematic diagram of interface changes during a resource conversion process in one embodiment;

[0033] FIG7 is a schematic diagram of a conversion condition configuration page in one embodiment;

[0034] FIG8 is a schematic diagram of a flow chart of a resource transfer processing method in another embodiment;

[0035] FIG9 is a schematic diagram of a flow chart of a resource transfer processing method in yet another embodiment;

[0036] FIG10 is a schematic diagram of a process for creating product conversion conditions in one embodiment;

[0037] FIG11 is a schematic diagram of a process for updating product conversion conditions in one embodiment;

[0038] FIG12 is a schematic diagram of a resource transfer operation flow in one embodiment;

[0039] FIG13 is a structural block diagram of a resource transfer processing device in one embodiment;

[0040] FIG14 is a structural block diagram of a resource transfer processing device in another embodiment;

[0041] FIG15 is a diagram showing the internal structure of a computer device in one embodiment;

[0042] FIG. 16 is a diagram showing the internal structure of a computer device in another embodiment. DETAILED DESCRIPTION

[0043] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0044] The resource transfer processing method provided in the embodiment of the present application can be applied to the application environment shown in Figure 1. Among them, the terminal 110 communicates with the server 120 through a network. The communication network can be a wired network or a wireless network. Therefore, the terminal 110 and the server 120 can be directly or indirectly connected through wired or wireless communication. For example, the terminal 110 can be indirectly connected to the server 120 through a wireless access point, or the terminal 110 can be directly connected to the server 120 through the Internet, and the present application does not limit this.

[0045] Among them, the terminal 110 can be, but is not limited to, various desktop computers, laptops, smart phones, tablet computers, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. A resource management client can be installed on the terminal 110, and the client can be software (such as a browser, video software, etc.), or a web page, a small program, etc. The server 120 is a background server corresponding to the resource management client, or a server dedicated to providing resource management services. In some embodiments, the server 120 can specifically be a server corresponding to the resource management service platform. Further, the server 120 can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and basic cloud computing services such as big data and artificial intelligence platforms. The data storage system can store data that the server 120 needs to process. The data storage system may be set up separately, may be integrated on the server 120, or may be placed on the cloud or other servers.

[0046] It should be noted that the resource transfer processing method in the embodiment of the present application can be executed by the terminal 110 or the server 120 alone, or can be executed by the terminal 110 and the server 120 together. Taking the case where the terminal 110 executes alone as an example, during the resource transfer processing, the terminal 110: responds to the resource transfer request event initiated by the user through the resource management client, jumps to the resource transfer configuration page, and displays the resource information of the transferable resources on the resource transfer configuration page; when the user determines the desired transfer resource based on the resource information, the product information of the first resource management product matching the desired transfer resource is displayed, and corresponding to the product information, the recommendation reason for the first resource management product is displayed. Among them, the first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client; the recommendation reason for the first resource management product is used to guide the user to convert at least part of the desired transfer resources into the first resource management product.

[0047] Specifically, as shown in FIG. 1 , the user can initiate a resource transfer request event by triggering the “resource transfer out” control 1111 in the resource transfer page 111. Thus, the terminal 110 can jump to the resource transfer out configuration page 112 in response to the resource transfer out request event. The resource transfer out configuration page 112 can display resource information 1121 of the transferable resources, and can also display the resource transfer-in object, which can be, for example, the account of the A institution with the last number A1 in FIG. 1 . The user can determine the desired transfer-out resource based on the resource information 1121. As shown in 1123 in FIG. 1 , when the user determines the desired transfer-out resource 1122, the terminal 110 can display the product information of the first resource management product matching the desired transfer-out resource 1122, and display the recommendation reason of the first resource management product corresponding to the product information. Among them, the first resource management product can be, for example, “B product” and “C product” in FIG. 1 , and the recommendation reason can be, for example, “direct transfer may earn less X yuan”. Furthermore, the reason for recommending the first resource management product is used to guide the user to convert at least a portion of the resources that are expected to be transferred out into the first resource management product. Exemplarily, as shown in FIG1 , the user can initiate a conversion request for the first resource management product by triggering the “Submit Purchase” control. Since the first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client, the above method can guide the user to continue to hold the resources in the resource management client instead of directly transferring the resources out of the resource management client, which can reduce the frequent transfer of resources to a certain extent, thereby enhancing the stickiness between the resource management service platform and the user, and is conducive to saving computing resources.

[0048] In one embodiment, as shown in FIG2 , a resource transfer processing method is provided, which can be executed by a computer device, and the computer device can be the terminal shown in FIG1 , and includes the following steps:

[0049] Step S202: in response to a resource transfer request event initiated by a user through a resource management client, jump to a resource transfer configuration page.

[0050] Among them, the resource management client is the computer hardware or software that requests access to the services provided by the resource management service platform. The resource management client, for example, can be software, a web page or a small program installed on the terminal held by the user, or it can refer to a hardware terminal that supports resource management services. For ease of understanding, the following is an example of the case where the resource management client is software. The resource transfer configuration page is a page where the user configures the desired transfer-out resources. The configured content may include the resource transfer-in object, the resource type and resource amount of the desired transfer-out resources, etc.

[0051] In actual applications, users can open an account on the resource management service platform corresponding to the resource management client, and transfer a certain amount of virtual resources to the account to enjoy the resource management services provided by the resource management service platform. Exemplarily, users can obtain resource gains by converting the virtual resources into resource management products provided by the resource management service platform. As for the resource management service platform, resource gains can be obtained through gain rate differences, value-added services or product promotions. Specifically, users can initiate a resource transfer request event for their own resources held in the resource management client through the resource management client. Thus, the terminal can jump to the resource transfer configuration page in response to the resource transfer request event.

[0052] Optionally, as shown in FIG3 , the resource transfer page 310 of the resource management client may display a resource transfer-in control 311 and a resource transfer-out control 312. Optionally, the resource transfer page 310 may also display a resource detail query control (corresponding to “My Resources” in FIG3 ) and a resource transfer flow query control (corresponding to “Resource Transfer Flow” in FIG3 ). Furthermore, the user may initiate a resource transfer-in request event by triggering the resource transfer-in control 311 to transfer virtual resources to the resource management client; the user may also initiate a resource transfer-out request event by triggering the resource transfer-out control 312 to transfer virtual resources from the resource management client. When the resource transfer-out control 312 is triggered, as shown in FIG3 , the terminal will jump to the resource transfer-out configuration page 320.

[0053] Step S204: Display resource information of transferable resources on the resource transfer configuration page.

[0054] Among them, transferable resources refer to the resources currently supported for transfer among the resources held by the user in the resource management client. The transferable resources may include idle resources that have not been converted into resource management products, that is, the transferable resources may be in resource form. The transferable resources may also include resources that have been converted into resource management products, but the resource management products are stored in an open recycling state, that is, the transferable resources may be in product form, and the product is in an open recycling state. The product being in an open recycling state means that the product currently supports the change from product form to resource form. For example, for a periodic resource management product, it is in an open recycling state on the day when a cycle ends.

[0055] Specifically, when jumping to the resource transfer configuration page, the terminal can display the resource information of the transferable resources on the resource transfer configuration page. The resource information may include resource type, resource amount, etc. The resource type may include, for example, idle resources and resource management products. Among them, idle resources can be identified as "balance", and resource management products can be identified by specific product names. Furthermore, the display method of resource information of transferable resources is not unique. For example, the resource information of transferable resources corresponding to multiple resource types can be displayed in the form of a list; or the transferable resources corresponding to various resource types can be converted into a unified measurement of resource amount, and the total amount of transferable resources can be displayed. As shown in Figure 3, the display content of the resource transfer configuration page 320 is "Maximum transferable XXX". In this case, the user can trigger the details icon " " to view the detailed information of the resources that can be transferred out.

[0056] In an optional embodiment, resource information of transferable resources is displayed on the resource transfer configuration page, including: determining idle resources that have not been converted into resource management products from the virtual resources held by the user in the resource management client; and displaying resource information of idle resources on the resource transfer configuration page.

[0057] Specifically, the terminal can determine the idle resources that have not been converted into resource management products and are currently in the form of resources from the virtual resources held by the user in the resource management client, and then display the resource information of the idle resources on the resource transfer configuration page. The resource information of the idle resources may include the resource amount, idle time, etc.

[0058] In this embodiment, on the resource transfer configuration page, resource information of idle resources that have not been converted into resource management products is displayed, which can guide the user to determine the desired transfer-out resources from the idle resources, which is conducive to further ensuring the accuracy of the desired transfer-out resources.

[0059] In an optional embodiment, resource information of transferable resources is displayed on the resource transfer configuration page, including: determining recyclable resource products that are in an open recycling state from the resource products held by the user in the resource management client; and displaying the held resource information of the recyclable resource products on the resource transfer configuration page.

[0060] For the definition of recyclable resource products, please refer to the above. The resource information of recyclable resource products may include the holding amount, holding time, accumulated gain, etc. Specifically, the terminal can determine the recyclable resource products that are in an open recycling state from the resource products held by the user in the resource management client, and then the terminal can display the resource information of the recyclable resource products on the resource transfer configuration page.

[0061] In this embodiment, the resource transfer configuration page displays the resource information of recyclable resource products that are in an open recycling state, which can guide users to determine the desired transfer resources from the recyclable resource products. This can ensure the accuracy of the desired transfer resources while improving the flexibility of the resource transfer processing process.

[0062] Step S206: When the user determines the resource to be transferred out according to the resource information, product information of the first resource management product matching the resource to be transferred out is displayed.

[0063] The first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client. Resource management products are financial instruments designed and issued by resource management institutions to help users achieve resource appreciation or value preservation. There are many types of resource management products, including stable products with positive expected gains but relatively small fluctuations, and risky products with uncertain expected gains but relatively large fluctuations.

[0064] The first resource management product matches the expected transfer-out resource, which means that the expected transfer-out resource meets the product conversion condition of the first resource management product and can be converted into the first resource management product. The product conversion condition can be represented by at least one of the resource amount, product type, or expected gain rate. For example, the starting amount of resource management product A is 1000. Then, resource management product A can only match the expected transfer-out resource if the expected transfer-out resource is greater than or equal to 1000. For another example, when the expected transfer-out resource is resource management product B, and the expected gain rate of resource management product B is less than that of resource management product C, resource management product C can only match the expected transfer-out resource.

[0065] The product information of the first resource management product may include at least one of the product name, product type, product cycle, expected return rate, etc. For example, as shown in FIG3 , the product name may include, for example, “B product” or “C product”; the product type may include, for example, “risk type” and “robust type”; the expected return rate may be, for example, “annualized return rate 1.9%”; and the product cycle may be, for example, “3 days”.

[0066] Specifically, the user can determine the desired transfer-out resources based on the resource information. Exemplarily, in the case where the transferable resources are idle resources, as shown in FIG3 , the user can determine the idle resources that are desired to be transferred out by inputting the resource amount (e.g., "2000" in 330). In the case where the transferable resources include recyclable resource products that are in an open recycling state, the user can determine the desired transfer-out resources by selecting the product name and amount that is desired to be recycled and transferred out. In the case where the user determines the desired transfer-out resources based on the resource information, the terminal can feed back the resource information of the desired transfer-out resources to the server so that the server can determine the first resource management product that matches the desired transfer-out resources from the resource management products provided by the resource management service platform. In some embodiments, the terminal can also determine the first resource management product that matches the desired transfer-out resources from the resource management products provided by the resource management service platform, which is not limited here. When the first resource management product is determined, the terminal can display the product information of the first resource management product.

[0067] The following takes the case where the terminal determines the first resource management product as an example to introduce the process of determining the first resource management product.

[0068] In an optional embodiment, the terminal can obtain the user information of the user, the amount of resources expected to be transferred out, and the user information matching conditions and resource amount matching conditions pre-configured by the operator for each of the multiple resource management products. Then, for any resource management product, if the user information of the user satisfies the user information matching condition corresponding to the resource management product, and the amount of resources expected to be transferred out meets the resource amount matching condition corresponding to the resource management product, the resource management product is determined as a candidate product for the expected transferred out resource, and then, at least a part of each candidate product is further selected as the first resource management product that matches the expected transferred out resource. Exemplarily, the terminal can filter pre-selected products carrying priority tags from each candidate product; when the number of pre-selected products is one, the pre-selected product is determined as the first resource management product that matches the expected transferred out resource; when the number of pre-selected products is multiple, the first resource management product that matches the expected transferred out resource is determined from each pre-selected product according to the priority represented by each priority tag. Among them, the pre-selected product carrying the priority tag can be the product promoted by the resource management service platform.

[0069] In an optional embodiment, the terminal can obtain the user's user authority information and user risk information, as well as the resource amount of the desired transferred resources, and then, based on the user authority information, determine the target exchange channel for which the user has activated the authority from a plurality of product exchange channels provided by the resource management service platform corresponding to the resource management client, and determine the target category whose product risk level matches the user risk information from the plurality of product categories supported by the target exchange channel. Next, the terminal determines, according to the resource amount of the desired transferred resources, the first resource management product that matches the desired transferred resources from a plurality of candidate resource management products belonging to the target category.

[0070] Furthermore, the quantity and display method of the product information of the first resource management product are not unique.

[0071] In an optional embodiment, the resource management product with the highest degree of match with the desired transferred resources can be determined as the first resource management product; or the product information of multiple first resource management products can be displayed in sequence according to the degree of match from high to low; as shown in Figure 3, the product information of multiple first resource management products can also be displayed in sequence according to product type.

[0072] In an optional embodiment, the product information of the first resource management product can be displayed in a pop-up window; as shown in FIG3 , the product information of the first resource management product can also be displayed on the resource transfer configuration page 320. Furthermore, in the case where there are multiple first resource management products, the product information of each first resource management product can be displayed in sequence by automatic switching, or the switching display of the product information can be manually triggered by sliding operation, wherein the sliding direction can be left-right sliding or up-down sliding, etc., which is not limited here.

[0073] Step S208: Displaying the reason for recommending the first resource management product in accordance with the product information.

[0074] Among them, the reason for recommending the first resource management product is used to guide the user to convert at least a part of the resources that he wants to transfer out into the first resource management product. The reason for recommendation can be represented, for example, by the expected rate of gain, liquidity, security, etc. of the product. Specifically, the terminal can display the reason for recommending the first resource management product corresponding to the product information. Exemplarily, as shown in Figure 3, the reason for recommendation may be "direct transfer may earn less X yuan." In some optional embodiments, the reason for recommendation may be that an associated user who has an association relationship with the user holds the first resource management product. The associated user, for example, may be a friend of the user in the social account associated with the resource management client, or a blogger followed by the user in the resource management client, or other users who belong to the same social organization as the user.

[0075] In the above resource transfer processing method, in response to a resource transfer request event initiated by a user through a resource management client, the user jumps to a resource transfer configuration page, and displays resource information of transferable resources on the resource transfer configuration page, so that the user can determine the desired transfer resource based on the resource information, which can ensure the accuracy of the desired transfer resource, avoid repeated verification and reminders caused by the mismatch between the desired transfer resource and the user's actual holding resource, and is conducive to saving computing resources. In the case where the user determines the desired transfer resource, the product information of the first resource management product matching the desired transfer resource is displayed, and corresponding to the product information, the recommendation reason of the first resource management product is displayed, and the recommendation reason is used to guide the user to convert at least a part of the desired transfer resource into the first resource management product. Since the first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client, the above method can guide the user to continue to hold the resource in the resource management client instead of directly transferring the resource from the resource management client, which can reduce the frequent transfer of resources to a certain extent, thereby enhancing the stickiness between the resource management service platform and the user, and is conducive to further saving computing resources.

[0076] In one embodiment, in response to a resource transfer request event initiated by a user through a resource management client, jumping to a resource transfer configuration page includes: in response to a resource transfer request event initiated by a user through a resource management client, displaying a second resource management product that matches the user's idle resources in the resource management client; in response to a user's rejection operation on the second resource management product, canceling the display of the second resource management product and jumping to the resource transfer configuration page.

[0077] As described above, when the user determines the desired transfer-out resource based on the resource information of the transferable resource, the terminal can display the product information of the first resource management product that matches the desired transfer-out resource to achieve product recommendation. In actual application, when the user initiates a resource transfer request event through the resource management client and has not yet determined the desired transfer-out resource, the terminal can make a product recommendation.

[0078] Specifically, the terminal can display a recommended second resource management product in response to a resource transfer request event initiated by a user through a resource management client. The second resource management product can match the idle resources of the user in the resource management client. The method for determining the second resource management product refers to the method for determining the first resource management product above, and will not be repeated here. Furthermore, the display method of the product information of the second resource management product can be displayed in the form of a pop-up window or a floating window, or it can be displayed on the resource transfer page 310.

[0079] In an optional embodiment, when the user triggers the "resource transfer out" control to initiate a resource transfer out request event, the terminal can display the product information of multiple second resource management products through multiple floating cards. As shown in Figure 4, these second resource management products may include "D product", "E product" and "F product", etc. Further, the display size of each floating card may be the same or different. Optionally, the user can change the position of each floating card by sliding the screen. In this case, the display size of the target card in the center of the screen can be larger than other non-target cards. Exemplarily, as shown in Figure 4, the floating card corresponding to product E is the target card in the center of the screen, and the corresponding display size is relatively large, which can facilitate users to obtain product information of the product.

[0080] Furthermore, for the second resource management product displayed on the terminal, the user can initiate a rejection operation, so that the terminal can cancel the display of the second resource management product in response to the rejection operation and jump to the resource transfer-out configuration page. Among them, the specific way in which the user triggers the rejection operation can be, for example, triggered by a specific gesture or triggered by a control. The specific gesture can be, for example, sliding the screen up or sliding the screen down. Optionally, as shown in Figure 4, the terminal can also display a rejection control 401 while displaying the second resource management product. Thus, the user can initiate a rejection operation for the second resource management product by triggering the rejection control 401.

[0081] In the above embodiment, in response to a resource transfer request event initiated by a user through a resource management client, a second resource management product matching the idle resources of the user in the resource management client is displayed, which can guide the user to convert the idle resources into the second resource management product, thereby further reducing the frequent transfer of resources, enhancing the stickiness between the resource management service platform and the user, and facilitating further saving of computing resources.

[0082] In one of the embodiments, product information of a first resource management product that matches a desired transferred resource is displayed, including: displaying recommended prompt information for the desired transferred resource on a resource transfer configuration page; and displaying product information of the first resource management product that matches the desired transferred resource in response to the recommended prompt information.

[0083] The recommendation prompt information is used to inform the user that the displayed content is the recommended content for the desired transferred resource. The recommendation prompt information may include at least one of text, voice or image. Exemplarily, as shown in FIG3 , the recommendation prompt information may be “The following products are recommended for the resources you transferred out.” Specifically, the terminal may display the recommendation prompt information for the desired transferred resource on the resource transfer configuration page, and then, corresponding to the recommendation prompt information, display the product information of the first resource management product that matches the desired transferred resource.

[0084] The relative position relationship between the product information of the first resource management product and the recommended prompt information is not unique. Exemplarily, the terminal can display the product information of multiple first resource management products in sequence below the recommended prompt information in the form of an information window, a list or an information card. Information cards 332 and 333 in Figure 3 are used to display the product information of product B and product C, respectively. In the case where the product information content is too much to be displayed in full, the information summary can be displayed first, and in response to a trigger operation on the information summary, the complete product information can be displayed; or only part of the product information of the first resource management product can be displayed in sequence, or only part of the product information of a first resource management product can be displayed, and in response to a content switching operation initiated by the user, another part of the information can be displayed. Among them, the content switching operation can be triggered by sliding, clicking, etc.

[0085] In the above embodiment, on the resource transfer configuration page, corresponding to the recommended prompt information, the product information of the first resource management product that matches the desired transferred resources is displayed, so that the user can clearly understand the recommendation intention of the first resource management product, which is conducive to further improving the guidance effect and enhancing the stickiness between the resource management service platform and the user.

[0086] In one embodiment, there are multiple first resource management products. In this embodiment, corresponding to the recommendation prompt information, displaying product information of the first resource management product matching the desired transfer-out resource includes: corresponding to the recommendation prompt information, displaying multiple information cards.

[0087] The first resource management product matches the desired transfer-out resource. Each information card displays the product information of the corresponding first resource management product. The information card is a tool for users to display and organize information, and may include content in various forms such as text, pictures, and videos. In other words, the specific form of product information may include text, pictures, and videos.

[0088] Specifically, the terminal can respectively display information cards corresponding to multiple first resource management products in response to the recommendation prompt information, and display product information in the information cards. Furthermore, the specific display method of the information card is not unique. Optionally, as shown in FIG3, the information card can be displayed in the resource transfer configuration page; optionally, as shown in FIG5, the information card can be displayed in a floating manner on the upper layer of the resource transfer configuration page. Furthermore, in the case where multiple information cards are displayed in a floating manner, each information card can be arranged in sequence from left to right or from top to bottom, or can be arranged in an irregular manner, which is not limited here. In an optional embodiment, the terminal can jump to the product details page of the first resource management product corresponding to the information card in response to a trigger operation on the information card. In other words, the information card can be used not only to display the content summary of the first resource management product, but also to provide an entry for obtaining product details.

[0089] In the above embodiment, the product information of each first resource management product is displayed respectively through a plurality of information cards, so that the user can quickly browse and obtain the product information, which is conducive to further improving the guidance effect.

[0090] In an optional embodiment, the resource transfer processing method also includes: in response to the user's sliding operation on each information card, changing the position of each information card according to the sliding direction; for the target information card in the set display position in each information card, displaying a prominent animation for the product information contained in the target information card.

[0091] Among them, the set display position may refer to the middle of the display page, or may refer to other pre-configured positions. Specifically, the user may initiate a sliding operation for each displayed information card to change the respective position of each information card in the display page. The specific sliding direction of the sliding operation may be determined according to the arrangement direction of the information card. For example, as shown in FIG5 , when each information card is arranged in order from left to right, the user may change the respective position of each information card by sliding left and right; similarly, when each information card is arranged in order from top to bottom, the user may change the respective position of each information card by sliding up and down. Thus, the terminal may respond to the sliding operation, change the respective position of each information card according to the sliding direction, and display a highlight dynamic effect for the product information contained in the target information card in the set display position in each information card. The highlight dynamic effect may include at least one dynamic effect for multiple forms of content such as text, picture, video, etc. For example, a dynamic effect of enlarging or bolding the text is displayed; for another example, a dynamic element matching the image element is derived according to the image element contained in the picture, and the dynamic effect of the dynamic element is displayed.

[0092] In the above embodiment, in response to the user's sliding operation on each information card, the position of each information card is changed according to the sliding direction, and for the target information card in the set display position in each information card, a prominent animation for the product information contained in the target information card is displayed, which can enhance interactivity and fun, thereby increasing the user's interest in the displayed content, and further improving the guidance effect of product information.

[0093] In an optional embodiment, the resource transfer processing method further includes: displaying a consultation interaction element of the first resource management product; and jumping to a consultation page of the first resource management product in response to a trigger operation on the consultation interaction element.

[0094] Among them, the consultation interaction element refers to the interface element that provides users with an information consultation channel. The consultation interaction element can be specifically an icon, button or control. The consultation page refers to the page where users ask questions to the platform or individuals and get answers. The consultation page can be based on machine customer service or manual customer service to answer questions. The consultation page of the first resource management product refers to a page used to answer questions related to the first resource management product.

[0095] Specifically, the terminal can also display the consulting interaction element of the first resource management product, so that the user can enter the consulting page of the first resource management product by triggering the consulting interaction element to obtain more detailed product information of the first resource management product. For the terminal, it can jump to the consulting page of the first resource management product in response to the triggering operation of the consulting interaction element.

[0096] In the above embodiment, the terminal also displays the consulting interaction element of the first resource management product, and in response to the trigger operation of the consulting interaction element, jumps to the consulting page of the first resource management product, so that the user can obtain more detailed product information through the consulting page, which is conducive to further improving the guidance effect.

[0097] In one of the embodiments, the resource transfer processing method further includes: in response to a confirmation event for product information, jumping to a conversion page of a first resource management product; in response to a resource conversion operation initiated by a user for at least a portion of the desired transferred resources, displaying a resource conversion result.

[0098] Specifically, as shown in FIG6 , the terminal can display a “Submit Purchase” control 601 for the first resource management product, so that the user can trigger the confirmation time for the product information of the first resource management product by triggering the “Submit Purchase” control. Furthermore, the terminal can jump to the conversion page 602 of the first resource management product in response to the confirmation event. On the conversion page, the product name, transaction method, etc. of the first resource management product can be displayed. The user can determine the conversion amount that matches at least a part of the desired transferred-out resources, and initiate a resource conversion operation based on the conversion amount by triggering the “Confirm” control. Thus, the terminal can submit a resource conversion request to the resource management service platform corresponding to the resource management client in response to the resource conversion operation, and obtain and display the resource conversion result fed back by the resource management service platform. The resource conversion result can include a successful conversion or a failed conversion.

[0099] In the above embodiment, it supports initiating resource conversion operations through product information of the first resource management product, which can guide users to convert at least part of the resources they want to transfer out into the first resource management product, thereby avoiding frequent transfer of client resources and facilitating further saving of computing resources.

[0100] In an optional embodiment, the resource transfer processing method further includes: in response to a return event triggered on the conversion page, returning to the resource transfer-out configuration page; and displaying updated resource information of transferable resources on the resource transfer-out configuration page.

[0101] The updated transferable resources are obtained by updating the transferable resources based on the resource conversion result. Specifically, when the resource conversion operation is completed, the terminal can update the transferable resources of the user in the resource management client according to the resource conversion result to determine the updated transferable resources of the user.

[0102] Specifically, the terminal can return to the resource transfer configuration page in response to a return event triggered on the conversion page. The return event can be automatically triggered after a set period of time, or it can be manually triggered by the user. Exemplarily, as shown in FIG5, the conversion page can display a "return" control, so that the user can manually initiate a return event by clicking the control. Furthermore, the terminal can display the updated resource information of the transferable resources on the resource transfer configuration page after the return. Exemplarily, when the amount of transferable resources is 2000 and the user converts 1000 of them into the first resource management product, the updated amount of transferable resources displayed after the return is 1000.

[0103] It is understandable that if the user still wants to transfer resources, the new desired transfer-out resources can be determined based on the updated resource information of the transferable resources. The terminal can then re-display the product information of the new first resource management product that matches the new desired transfer-out resources.

[0104] In the above embodiment, the terminal responds to the return event triggered on the conversion page, returns to the resource transfer configuration page, and displays the updated resource information of the transferable resources on the resource transfer configuration page, which can realize multiple rounds of resource management product recommendations, which is conducive to further improving interactivity and enhancing the guidance effect of product information.

[0105] In one embodiment, the desired transfer-out resource matches the product conversion condition of the first resource management product. In the case of this embodiment, the resource transfer processing method further includes: in response to a product selection event initiated by an operator through a resource management operation terminal, displaying a target product selected by the operator from a plurality of resource management products; in response to a conversion condition configuration event, displaying a product conversion condition configured by the operator for the target product.

[0106] Among them, the product conversion conditions can be represented by at least one of the resource amount, product type or expected gain rate. The resource management operation end is mainly for operators, and is used to provide management and rule configuration interfaces and functions. The resource management client is the user-oriented interface and functional part. Optionally, the functions of the resource management operation end and the resource management client can be integrated into the same software system, which is the resource management client when logged in as a user, and the resource management operation end when logged in as an operator. Optionally, the resource management operation end and the resource management client can also be installed on the same terminal as independent software systems, so that the terminal owner can log in to the resource management client as a user, or log in to the resource management operation end as an operator.

[0107] In actual applications, operators can configure corresponding product conversion conditions for resource management products through the resource management operation terminal. Specifically, operators can initiate a product selection event through the resource management operation terminal, and select the target product for which conversion conditions are desired to be configured for multiple resource management products provided by the resource management service platform. For the terminal, it can respond to the product selection event and display the target product selected by the operator from multiple resource management products.

[0108] In an optional embodiment, the main page of the resource management operation end can display a "configuration" control, so that the operator can jump to the conversion condition configuration page by triggering the "configuration" control. Exemplarily, as shown in Figure 7, the conversion condition configuration page may include a product selection content card 701 and a condition configuration content card 702. Among them, the product selection content card 701 can display the selected target product and product selection guide information. The product selection guide information can be, for example, the "pull-down selection other" in Figure 7. Further, the product selection content card 701 and the condition configuration content card 702 can be displayed synchronously, or when the operator selects the target product through the product selection content card 701, the condition configuration content card 702 for the target product can be displayed. It can be understood that in the case of synchronous display, the condition configuration content card 702 can display the default condition content or be in a blank state.

[0109] Further, when the target product is selected, the terminal can display the original conversion condition currently associated with the target product. Among them, the original conversion condition can be a default condition, or it can be a product conversion condition pre-configured by the operator for the target product. That is to say, this embodiment supports configuring new product conversion conditions for the target product, and also supports updating based on the original product conversion conditions. Specifically, the operator can initiate a conversion condition configuration event for the target product, so that the terminal can respond to the conversion condition configuration event and display the product conversion condition configured by the operator for the target product. Exemplarily, as shown in Figure 7, the product conversion condition configured for "H product" may include sub-conditions such as "the amount of transferred resources reaches 10,000" and "the risk level is level 1". The operator can also send the configured product conversion condition to the resource management service platform through the terminal by initiating a confirmation event for the product conversion condition, so that the resource management service platform can subsequently match the first resource management product or the second resource management product according to the product conversion condition. Among them, the confirmation event for the product conversion condition can be initiated by triggering a confirmation control, and the confirmation control can, for example, be the "submit rule" control in Figure 7.

[0110] It should be noted that the number of sub-conditions contained in the product conversion conditions configured for resource management products is not unique, and the number of sub-conditions corresponding to different resource management products may also be different. Exemplarily, as shown in Figure 7, the operator can edit and update the sub-condition content by clicking the "More Conditions" control to configure personalized conversion conditions for different resource management products. In an optional embodiment, when the target product has been configured with product conversion conditions, the operator can also selectively delete some sub-conditions to achieve an update of the product conversion conditions; the operator can also initiate a condition deletion request for the target product to delete the product conversion conditions of the target product, so that when the user subsequently transfers out resources, the target product will no longer be used as the first resource management product or the second resource management product.

[0111] In an optional embodiment, the server may obtain user feedback on the recommended first resource management product, and generate rule update suggestions based on the feedback to instruct the operator to update the product conversion conditions of the first resource management product. The user feedback on the recommended first resource management product may be a conversion behavior of converting the desired transferred-out resources into the first resource management product, a rejection behavior of the first resource management product, an evaluation of the first resource management product, and so on. Specifically, in the case where the first resource management product is accepted by most users, the recommendation probability of the first resource management product can be increased by updating the product conversion conditions of the first resource management product. Similarly, in the case where it is rejected by most users, the recommendation probability of the first resource management product can be reduced by updating the product conversion conditions of the first resource management product.

[0112] In the above embodiment, the operation personnel are supported to configure corresponding product conversion conditions for resource management products through the resource management operation terminal, so that product matching can be quickly completed through comparison of product conversion conditions in the future, which is conducive to improving the work efficiency of resource transfer processing.

[0113] In one embodiment, as shown in FIG8 , a resource transfer processing method is provided. The method may be executed by a computer device, and the computer device may be the terminal shown in FIG1 . In this embodiment, the method includes the following steps:

[0114] Step S801, in response to a resource transfer request event initiated by a user through a resource management client, displaying a second resource management product that matches the idle resources of the user in the resource management client;

[0115] Step S802, in response to the user's rejection operation on the second resource management product, cancel the display of the second resource management product and jump to the resource transfer-out configuration page;

[0116] Step S803, determining idle resources that have not been converted into resource management products from the virtual resources held by the user in the resource management client, and displaying resource information of the idle resources on the resource transfer configuration page;

[0117] Step S804, determining the recyclable resource products in the open recycling state from the resource products held by the user in the resource management client, and displaying the held resource information of the recyclable resource products on the resource transfer configuration page;

[0118] Step S805, when the user determines the desired resource to be transferred out according to at least one of the resource information of the idle resource or the held resource information of the recyclable resource product, displaying the recommended prompt information for the desired resource to be transferred out;

[0119] Step S806, displaying a plurality of information cards corresponding to the recommended prompt information;

[0120] Each information card displays the product information of the corresponding first resource management product; the product conversion condition of the first resource management product matches the expected transfer-out resource; the product conversion condition is configured by the operation personnel through the resource management operation terminal;

[0121] Step S807, in response to the user's sliding operation on each information card, changing the position of each information card according to the sliding direction;

[0122] Step S808, for the target information card in the set display position among the information cards, display a highlighting dynamic effect for the product information contained in the target information card;

[0123] Step S809, in response to a confirmation event for the product information, jump to a conversion page of the first resource management product to which the product information belongs;

[0124] Step S810, in response to a resource conversion operation initiated by a user for at least a portion of the resources desired to be transferred out, displaying a resource conversion result;

[0125] Step S811, in response to a return event triggered on the conversion page, returning to the resource transfer-out configuration page;

[0126] Step S812, displaying updated resource information of transferable resources on the resource transfer configuration page;

[0127] The updated transferable resources are obtained by updating the transferable resources based on the resource conversion result.

[0128] The above-mentioned resource transfer processing method can guide users to continue to hold resources in the resource management client instead of directly transferring resources from the resource management client. This can reduce the frequent transfer of resources to a certain extent, thereby enhancing the stickiness between the resource management service platform and users, which is conducive to further saving computing resources.

[0129] In one embodiment, as shown in FIG9 , another resource transfer processing method is provided, which can be executed by a computer device, and the computer device can be the server shown in FIG1 , and includes the following steps:

[0130] Step S902: when a user initiates a resource transfer request event through a resource management client, resource information of transferable resources is determined.

[0131] Among them, the resource information is used to instruct the user to determine the desired transfer-out resources. Specifically, when the user initiates a resource transfer request event through the resource management client, the terminal carrying the resource management client can send a resource transfer request to the server. Thus, when the server obtains the resource transfer request, it can determine the transferable resources from the virtual resources held by the user in the resource management client. The transferable resources may include idle resources that have not been converted into resource management products, and / or recyclable resource products that are in an open recycling state. When the transferable resources are determined, the server can feed back the resource information of the transferable resources to the terminal to instruct the user to determine the desired transfer-out resources based on the resource information.

[0132] Step S904: Determine a first resource management product that matches the desired transferred-out resource from among a plurality of resource management products provided by the resource management service platform corresponding to the resource management client.

[0133] In actual applications, after the user determines the desired transfer-out resource, the server can match the product for the desired transfer-out resource. Specifically, the server can obtain the user information of the user and the resource amount of the desired transfer-out resource, and then, based on the user information and the resource amount, determine the first resource management product that matches the desired transfer-out resource from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client.

[0134] In an optional embodiment, the server may obtain resource quantity matching conditions of user information matching conditions of multiple resource management products; for any resource management product, if the user information satisfies the user information matching conditions corresponding to the resource management product, and the resource quantity satisfies the resource quantity matching conditions corresponding to the resource management product, then the resource management product is determined as a candidate product for the desired transferred-out resources. Then, the server further determines the first resource management product that matches the desired transferred-out resources from each candidate product, or directly determines each candidate product as the first resource management product that matches the desired transferred-out resources.

[0135] In an optional embodiment, the server may determine a target category that matches the user information from a variety of product categories provided by the resource management service platform corresponding to the resource management client. The product categories may be divided by risk, by product exchange channels, or by a combination of multiple methods. Among them, the product categories divided by risk may include risk categories and robust categories. After determining the target category, the server may determine the first resource management product that matches the desired transferred resources from a plurality of candidate resource management products belonging to the target category according to the desired amount of resources to be transferred out.

[0136] Furthermore, user information may include user authority information and user risk information. In the process of determining the target category, the server can specifically determine the target exchange channel for which the user has activated authority from multiple product exchange channels provided by the resource management service platform corresponding to the resource management client based on the user authority information, and then determine the target category whose product risk level matches the user risk information from the multiple product categories supported by the target exchange channel.

[0137] Step S906: Feedback product information and recommendation reasons of the first resource management product to the resource management client.

[0138] The reason for recommendation is used to guide the user to convert at least a portion of the desired transferred-out resources into the first resource management product. Specifically, when the server determines the first resource management product that matches the desired transferred-out resources, it can feed back the product information and the reason for recommendation of the first resource management product to the resource management client, so that the terminal can guide the user to convert at least a portion of the desired transferred-out resources by displaying the product information and the reason for recommendation.

[0139] In the above-mentioned resource transfer processing method, when a user initiates a resource transfer request event through a resource management client, determining the transferable resources used to indicate the user to determine the desired transfer resources can ensure the accuracy of the desired transfer resources, avoid repeated verification and reminders caused by the mismatch between the desired transfer resources and the actual resources held by the user, and is conducive to saving computing resources. From the multiple resource management products provided by the resource management service platform corresponding to the resource management client, determine the first resource management product that matches the desired transfer resources, and feedback the product information and recommendation reasons of the first resource management product to the resource management client, which can guide the user to continue to hold the resources in the resource management client instead of directly transferring the resources from the resource management client, which can reduce the frequent transfer of resources to a certain extent, thereby enhancing the stickiness between the resource management service platform and the user, and is conducive to further saving computing resources.

[0140] In one of the embodiments, determining a first resource management product that matches the desired transferred-out resource from a plurality of resource management products provided by a resource management service platform corresponding to a resource management client includes: obtaining user information of a user, the resource quantity of the desired transferred-out resource, and user information matching conditions and resource quantity matching conditions of each of the plurality of resource management products; for any resource management product, if the user information satisfies the user information matching condition corresponding to the resource management product, and the resource quantity satisfies the resource quantity matching condition corresponding to the resource management product, then determining the resource management product as a candidate product for the desired transferred-out resource; and determining a first resource management product that matches the desired transferred-out resource from among the candidate products.

[0141] Among them, user information may include user authority information and user risk information. The user authority information is used to indicate which product exchange channels the user has opened product exchange authority for. The user risk information indicates the product risk level that the user can accept. The product conversion conditions of resource management products may include user information matching conditions and resource quantity matching conditions. The user information matching conditions refer to the conditions that need to be met by users participating in product exchange; the resource quantity matching conditions refer to the conditions that the resource quantity of the virtual resource needs to meet when converting the virtual resource into a resource management product.

[0142] Specifically, the server can obtain the user information of the user, the resource amount of the desired transferred resources, and the user information matching conditions and resource amount matching conditions of each of the multiple resource management products. Then, the server compares the user information with the user information matching conditions, and compares the resource amount with the resource amount matching conditions. For any resource management product, if the user information satisfies the user information matching conditions corresponding to the resource management product, and the resource amount satisfies the resource amount matching conditions corresponding to the resource management product, then the resource management product is determined as a candidate product for the desired transferred resources. After determining the candidate product for the desired transferred resources, the server can determine the candidate product as the first resource management product that matches the desired transferred resources. In the case where there are multiple candidate products, the server can further screen the multiple candidate products to determine the first resource management product that matches the desired transferred resources.

[0143] It should be noted that not every resource management product provided by the resource management service platform is configured with corresponding product conversion conditions. In other words, the operator can match the product exchange conditions for a part of the resource management products to ensure that these resource management products have the opportunity to be recommended to users. In an optional embodiment, the server can obtain the operator's rule deletion request for the selected product configured with the product exchange condition, and delete the product exchange condition corresponding to the selected product. Thus, in the subsequent resource transfer processing, the server will no longer recommend the selected product as the first resource management product to the user.

[0144] In the above embodiment, the first resource management product is determined by condition matching, which can achieve rapid matching of resource management products and is conducive to improving the work efficiency of resource transfer processing.

[0145] In an optional embodiment, determining the first resource management product that matches the desired transfer-out resources from among the candidate products includes: screening pre-selected products carrying priority tags from among the candidate products; when the number of pre-selected products is one, determining the pre-selected product as the first resource management product that matches the desired transfer-out resources; when the number of pre-selected products is multiple, determining the first resource management product that matches the desired transfer-out resources from among the pre-selected products according to the priorities represented by the priority tags.

[0146] In actual applications, operators can add priority tags to some resource management products that need to be promoted first according to the current product promotion needs. Thus, the server can screen pre-selected products with priority tags from each candidate product. Further, when the number of pre-selected products is one, the server can determine the pre-selected product as the first resource management product that matches the expected transferred-out resources. When the number of pre-selected products is multiple, the server can determine the first resource management product that matches the expected transferred-out resources from each pre-selected product according to the priority represented by each priority tag. Optionally, the server can determine N first resource management products that match the expected transferred-out resources from each pre-selected product in order from high to low priority. N is an integer and can be a pre-configured upper limit on the number of products. Optionally, when the priorities represented by each priority tag are the same, the server can further count the historical gain rates of each pre-selected product in the historical period, and select N pre-selected products with relatively high historical gain rates as the first resource management product; the server can also select pre-selected products with historical gain rates greater than or equal to the gain rate threshold as the first resource management product. The historical period can be a week, a month, or a year.

[0147] In the above embodiment, the first resource management product matching the desired transfer-out resources is determined from the pre-selected products carrying the priority mark, and can be configured according to the actual product promotion needs, which is conducive to improving the product recommendation effect.

[0148] In another optional embodiment, determining the first resource management product that matches the desired transferred-out resources from each candidate product includes: determining an associated user who has an associated relationship with the user; and when each candidate product includes a product held by the associated user, determining the held product as the first resource management product that matches the desired transferred-out resources.

[0149] Among them, the associated users who have an associated relationship with the user may be, for example, friends in a social account associated with the user in the resource management client, bloggers followed by the user in the resource management client, or other users belonging to the same social organization as the user.

[0150] Specifically, the server can obtain user information to determine the associated user who has an associated relationship with the user, and further query the associated user's held products from the resource management service platform. In the case where the associated user's held products are included in the candidate products, the server can determine the held products as the first resource management product that matches the desired transfer-out resources. It can be understood that in this case, the reason for recommending the first resource management product can be "your friend A has held the product for more than B days" or "the blogger A you follow holds a large position in the product", etc.

[0151] In the above embodiment, determining the product held by the associated user who has an associated relationship with the user as the first resource management product matching the desired transfer-out resource can effectively increase the user's interest in the first resource management product, thereby improving the guidance effect.

[0152] In one embodiment, the expected transfer-out resource is a recyclable resource product in a recyclable state. In the case of this embodiment, determining a first resource management product that matches the expected transfer-out resource from a plurality of resource management products provided by a resource management service platform corresponding to the resource management client includes: determining a product type and an expected gain rate of the recyclable resource product; and determining a first resource management product that belongs to the product type and has an expected gain rate higher than the recyclable resource product from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client.

[0153] In actual applications, when the expected transferred-out resources are recyclable resource products in a recyclable state, the server can recommend the corresponding first resource management product to the user based on the product information of the recyclable resource product. Specifically, the server can determine the product type and expected gain rate of the recyclable resource product, and then determine the first resource management product that belongs to the product type and has an expected gain rate higher than the recyclable resource product from the multiple resource management products provided by the resource management service platform corresponding to the resource management client. It should be noted that in other embodiments, the server can also determine a resource management product that belongs to the same product type as the recyclable resource product but has better flexibility or better product safety as the first resource management product that matches the recyclable resource product. Among them, better product flexibility can refer to a shorter product cycle, a simpler product recycling process, etc.; better product safety can refer to a higher reputation of the product issuer, or a higher user satisfaction rating of the product, etc.

[0154] In the above embodiment, when the desired transferred-out resource is a recyclable resource product in a recyclable state, a first resource management product that belongs to the same product type as the recyclable resource product and has an expected gain rate higher than that of the recyclable resource product is determined from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client. It can be determined that the recommended first resource management product meets the user's preference, which is beneficial to further improve the guidance effect and enhance the stickiness between the resource management service platform and the user.

[0155] In a specific embodiment, the resource transfer processing method also includes: when the first resource management product is a robust product, determining the expected resource gain after converting the expected transferred resources into the first resource management product based on the expected amount of transferred resources; and determining the reason for recommending the first resource management product based on the expected resource gain.

[0156] Among them, stable products refer to resource management products with low risk, stable returns and good liquidity, which are suitable for users with low risk tolerance. Since stable products have a relatively stable gain rate, the server can determine the expected resource gain after converting the expected transferred resources into the first resource management product based on the expected amount of transferred resources when the first resource management product is a stable product. The expected resource gain is the product of the expected amount of transferred resources and the expected gain rate of the first resource management product. Then, the server can determine the reason for recommending the first resource management product based on the expected resource gain. As shown in Figure 3, the reason for the recommendation can be "direct transfer may earn less XXX".

[0157] In the above embodiment, when the first resource management product is a stable product, determining the reason for recommending the first resource management product based on the expected resource gain after the expected transferred resources are converted into the first resource management product can increase the user's interest in the first resource management product and thereby improve the guidance effect.

[0158] In one embodiment, the present application also provides an application scenario, in which the above-mentioned resource transfer processing method is applied. The application scenario can be a bank financial management scenario based on Internet finance. Specifically, the resource management client can be a client of a bank providing financial management services, and the user can purchase resource management products such as pension financial management and cash management by transferring funds from the bank account to the resource management client to obtain benefits. Similarly, the user can also initiate a resource transfer request event through the resource management client to request to transfer funds from the bank account. Specifically, the terminal can jump to the resource transfer configuration page in response to the resource transfer request event, and display the resource information of the transferable resources on the resource transfer configuration page. In the case where the user determines the desired transfer resource based on the resource information, the terminal can display the product information of the first resource management product matching the desired transfer resource, and display the recommendation reason of the first resource management product corresponding to the product information. Among them, the first resource management product is at least one of the multiple resource management products provided by the securities company corresponding to the resource management client; the recommendation reason of the first resource management product is used to guide the user to convert at least a part of the desired transfer resource into the first resource management product.

[0159] In one embodiment, the application scenario may be, for example, a bank-securities transfer scenario. Specifically, the resource management client may be a client of a securities company providing financial services, and the user may purchase resource management products such as stocks and securities by transferring funds from a bank account to the resource management client to obtain income. Similarly, the user may also initiate a resource transfer request event through the resource management client to request that the funds be transferred back to the bank account. Specifically, the terminal may jump to a resource transfer configuration page in response to the resource transfer request event, and display resource information of transferable resources on the resource transfer configuration page. When the user determines the desired transfer resource based on the resource information, the terminal may display product information of a first resource management product matching the desired transfer resource, and display the reason for recommending the first resource management product corresponding to the product information. The first resource management product is at least one of a plurality of resource management products provided by the securities company corresponding to the resource management client; the reason for recommending the first resource management product is used to guide the user to convert at least a portion of the desired transfer resource into the first resource management product.

[0160] In a specific embodiment, a configuration system and a recommendation system can be constructed for resource management services. The operator can enter the product conversion conditions of the financial product into the recommendation system. When the user requests to transfer out resources, the access to the recommendation system will be intercepted, and the financial products that meet the conditions will be matched and recommended to the user. The process of creating product conversion conditions is shown in Figure 10. The operator can select a financial product, and different financial products have corresponding product codes. Stable financial products have a fixed annualized rate, and risky financial products such as stocks and bonds may rise and fall. The system can identify whether it is a stable product based on the market conditions and prompt the operator. When configuring product conversion conditions, you can configure how much funds to transfer out before displaying, such as the purchase cost plus handling fee of treasury bond reverse repurchase is at least 1,001 yuan. If the user transfers less than this amount, the conditions are not matched. It can also be configured for risk level. For example, if the user's risk level is low, he can only afford stable financial products, so risky products such as stocks and bonds will not be recommended to him. The configuration content can also include whether certain permissions are enabled. For example, if some stocks are listed on the Science and Technology Innovation Board, if the user does not enable them, even if the transferred funds are sufficient, they cannot be purchased. After filling in various conditions, a recommendation rule is formed and stored in the recommendation system. The recommendation rule is the product conversion condition mentioned above, which is actually the condition for the financial product to be recommended when the user requests to transfer resources. When the user requests to transfer resources, the recommendation system will match each financial product according to the user's expected transfer resources, and recommend to the user the financial products whose expected transfer resources meet the recommendation rules.

[0161] In a specific embodiment, the operator can change the recommendation rules of a certain financial product at any time. As shown in Figure 11, the operation system can first read the original rules of the financial product represented by the product code from the recommendation system based on the product code filled in by the user. The operator can change at least part of the conditions in the original rule, such as updating the threshold for transferring funds, raising or lowering the risk level, etc. The operator can also delete the recommendation rules of the financial product, so that the subsequent recommendation system will no longer recommend the financial product to the user. The specific process of deleting the recommendation rule is that the operator selects the product code and sends a rule deletion request for the product code to the recommendation system. After receiving the request, the recommendation system will delete the corresponding recommendation rule.

[0162] The resource transfer operation process is introduced below. In a specific embodiment, as shown in FIG12, after the user fills in the resource transfer amount (i.e., the amount of resources expected to be transferred), the securities software background will call its own stored user data, such as risk level, authority, funds and other information as input parameters, and transmit it to the recommendation system. The recommendation system will read out the stored financial product recommendation rules, match them with the input parameters, and record the successfully matched financial products. At the same time, the recommendation system will also determine whether the recorded financial products are stable products or non-stable products. The stable products can calculate how much money can be earned based on the annualized rate, etc., and output them to the front end for display after collection. Among them, the reason for recommending risky products can be that the operator configures a note that this stock is optimistic in the near future, and attaches a consultation link; for stable products, you can add a reminder copy, if you transfer directly without investing in this product, you may earn less, etc. to attract users to stay. Users can choose to ignore the recommended financial products and directly click the transfer button, because for users, the right to use the funds is their own. Although the platform hopes that the funds will stay in the account as much as possible, it cannot affect the normal use of the user experience function. If the user is interested and does not transfer the funds to a bank card but instead purchases a recommended financial product, the data will be reported to the configuration system. The operation staff can then count the popularity of this financial product and make modifications and adjustments, such as lowering the threshold conditions to attract more people to invest.

[0163] The above solution can recommend eligible financial products when securities software users transfer out resources, allowing users to invest idle funds in stable or unsound ways. Users can benefit from it, and the software can also gain benefits through users' investment behavior. Operation personnel can adjust matching conditions through real-time resource conversion reports, making the rules more flexible and dynamic, and correcting any inappropriate areas.

[0164] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0165] Based on the same inventive concept, the embodiment of the present application also provides a resource transfer processing device for implementing the resource transfer processing method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in one or more resource transfer processing device embodiments provided below can refer to the limitations on the resource transfer processing method above, and will not be repeated here.

[0166] In one embodiment, as shown in FIG. 13 , a resource transfer processing device is provided, including a configuration page display module 1301, a resource information display module 1302, a product information display module 1303, and a recommendation reason display module 1304, wherein:

[0167] The configuration page display module 1301 is used to jump to the resource transfer configuration page in response to a resource transfer request event initiated by a user through a resource management client;

[0168] The resource information display module 1302 is used to display the resource information of the transferable resources on the resource transfer configuration page;

[0169] The product information display module 1303 is used to display product information of a first resource management product matching the desired resource to be transferred out when the user determines the desired resource to be transferred out according to the resource information; the first resource management product is at least one of the multiple resource management products provided by the resource management service platform corresponding to the resource management client;

[0170] The recommendation reason display module 1304 is used to display the recommendation reason of the first resource management product corresponding to the product information; the recommendation reason is used to guide the user to convert at least part of the resources desired to be transferred out into the first resource management product.

[0171] In one of the embodiments, the configuration page display module 1301 is specifically used to: in response to a resource transfer request event initiated by a user through a resource management client, display a second resource management product that matches the user's idle resources in the resource management client; in response to a user's rejection operation on the second resource management product, cancel the display of the second resource management product and jump to the resource transfer configuration page.

[0172] In one embodiment, the resource information display module 1302 is specifically used to: determine the idle resources that have not been converted into resource management products from the virtual resources held by the user in the resource management client; and display the resource information of the idle resources on the resource transfer configuration page.

[0173] In one embodiment, the resource information display module 1302 is specifically used to: determine the recyclable resource products in the open recycling state from the resource products held by the user in the resource management client; and display the held resource information of the recyclable resource products on the resource transfer configuration page.

[0174] In one embodiment, the product information display module 1303 includes: a recommended prompt information display unit, which is used to display recommended prompt information for the desired transfer-out resources on the resource transfer-out configuration page; and a product information display unit, which is used to display product information of the first resource management product matching the desired transfer-out resources in accordance with the recommended prompt information.

[0175] In one embodiment, there are multiple first resource management products. In this embodiment, the product information display unit is specifically used to: display multiple information cards corresponding to the recommendation prompt information; each information card displays the product information of the corresponding first resource management product; and the first resource management product matches the desired transfer-out resource.

[0176] In one of the embodiments, the product information display unit is also used to: respond to the user's sliding operation on each information card, change the position of each information card according to the sliding direction; and for the target information card in the set display position in each information card, display a prominent animation for the product information contained in the target information card.

[0177] In one of the embodiments, the resource transfer processing device also includes a consultation page display module, which is used to: display the consultation interaction element of the first resource management product; and jump to the consultation page of the first resource management product in response to a trigger operation on the consultation interaction element.

[0178] In one of the embodiments, the resource transfer processing device also includes a conversion module, which is used to: jump to the conversion page of the first resource management product in response to a confirmation event for product information; and display the resource conversion result in response to a resource conversion operation initiated by a user for at least a part of the desired transferred resources.

[0179] In one of the embodiments, the resource transfer processing device also includes a resource update module, which is used to: return to the resource transfer configuration page in response to a return event triggered on the conversion page; display the resource information of the updated transferable resources on the resource transfer configuration page; and update the transferable resources based on the resource conversion result.

[0180] In one embodiment, the desired transfer-out resource matches the product conversion condition of the first resource management product. In the case of this embodiment, the resource transfer processing device also includes a conversion condition configuration module, which is used to: respond to a product selection event initiated by an operator through a resource management operation terminal, display a target product selected by the operator from a plurality of resource management products; respond to a conversion condition configuration event, display a product conversion condition configured by the operator for the target product.

[0181] In one embodiment, as shown in FIG. 14 , a resource transfer processing device is provided, including a resource information determination module 1401, a product matching module 1402 and an information feedback module 1403, wherein:

[0182] The resource information determination module 1401 is used to determine the resource information of the transferable resources when the user initiates a resource transfer request event through the resource management client; the resource information is used to indicate the user to determine the desired transfer-out resources;

[0183] The product matching module 1402 is used to determine a first resource management product that matches the desired transfer-out resource from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client;

[0184] The information feedback module 1403 is used to feed back product information and recommendation reasons of the first resource management product to the resource management client; the recommendation reasons are used to guide the user to convert at least part of the resources that he wants to transfer out into the first resource management product.

[0185] In one embodiment, the product matching module 1402 includes: an information acquisition unit, which is used to acquire user information of the user, the resource quantity of the desired transferred resources, and the user information matching conditions and resource quantity matching conditions of multiple resource management products; a candidate product determination unit, which is used to determine, for any resource management product, if the user information meets the user information matching conditions corresponding to the resource management product and the resource quantity meets the resource quantity matching conditions corresponding to the resource management product, then determine the resource management product as a candidate product for the desired transferred resources; a first resource management product determination unit, which is used to determine, from each candidate product, a first resource management product that matches the desired transferred resources.

[0186] In one of the embodiments, the first resource management product determination unit is specifically used to: screen pre-selected products carrying priority tags from candidate products; when the number of pre-selected products is one, determine the pre-selected product as the first resource management product that matches the desired transfer-out resources; when the number of pre-selected products is multiple, determine the first resource management product that matches the desired transfer-out resources from the pre-selected products according to the priorities represented by the priority tags.

[0187] In one embodiment, the first resource management product determination unit is specifically used to: determine an associated user who has an associated relationship with the user; when each candidate product includes a product held by the associated user, determine the held product as the first resource management product that matches the desired transferred-out resource.

[0188] In one embodiment, the expected transfer-out resource is a recyclable resource product in a recyclable state. In the case of this embodiment, the product matching module 1402 is specifically used to: determine the product type and expected gain rate of the recyclable resource product; and determine a first resource management product that belongs to the product type and has an expected gain rate higher than the recyclable resource product from multiple resource management products provided by the resource management service platform corresponding to the resource management client.

[0189] In one of the embodiments, the resource transfer processing device also includes a recommendation reason determination module, which is used to: when the first resource management product is a robust product, determine the expected resource gain after converting the expected transferred resources into the first resource management product based on the resource amount of the expected transferred resources; and determine the recommendation reason for the first resource management product based on the expected resource gain.

[0190] Each module in the resource transfer processing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0191] In one embodiment, a computer device is provided, which may be a server or a terminal, and its internal structure diagram may be shown in FIG15. The computer device includes a processor, a memory, an input / output interface (Input / Output, referred to as I / O) and a communication interface. The processor, the memory and the input / output interface are connected via a system bus, and the communication interface is connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The database of the computer device is used to store the data involved in the above-mentioned resource transfer processing process. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer processing method is implemented.

[0192] In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be shown in FIG16. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit, and an input device. The processor, the memory, and the input / output interface are connected via a system bus, and the communication interface, the display unit, and the input device are connected to the system bus via the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and an external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a resource transfer processing method is implemented. The display unit of the computer device is used to form a visually visible image, and can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covered on the display screen, or a button, trackball or touchpad set on the computer device casing, or an external keyboard, touchpad or mouse, etc.

[0193] Those skilled in the art will understand that the structure shown in FIG. 15 or 16 is merely a block diagram of a partial structure related to the scheme of the present application, and does not constitute a limitation on the computer device to which the scheme of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different arrangement of components.

[0194] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps of any of the above method embodiments when executing the computer program.

[0195] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps of any of the above method embodiments are implemented.

[0196] In one embodiment, a computer program product is provided, including a computer program, which implements the steps of any of the above method embodiments when executed by a processor.

[0197] 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, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant laws, regulations and standards in the relevant regions and areas. In addition, the subject can choose not to authorize the subject information and related data, or refuse or conveniently refuse to push information, etc.

[0198] In this application, when collecting and processing relevant data during the instance application, the requirements of the laws and regulations of the relevant regions should be strictly followed to obtain the informed consent or separate consent of the personal information subject, and subsequent data use and processing should be carried out within the scope of authorization of the laws and regulations and the personal information subject.

[0199] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium 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), magnetoresistive 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. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, etc., but are not limited to this.

[0200] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, 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.

[0201] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A resource transfer processing method, characterized in that: The method comprises: In response to a resource transfer request event initiated by a user through a resource management client, jump to a resource transfer configuration page; On the resource transfer configuration page, display resource information of resources that can be transferred out; When the user determines the desired transfer-out resource according to the resource information, product information of a first resource management product matching the desired transfer-out resource is displayed; the first resource management product is at least one of a plurality of resource management products provided by the resource management service platform corresponding to the resource management client; Corresponding to the product information, a reason for recommending the first resource management product is displayed; the reason for recommending is used to guide the user to convert at least a portion of the desired transferred-out resources into the first resource management product.

2. The method according to claim 1, characterized in that The step of responding to a resource transfer request event initiated by a user through a resource management client and jumping to a resource transfer configuration page includes: In response to a resource transfer request event initiated by a user through a resource management client, displaying a second resource management product that matches the idle resources of the user in the resource management client; In response to the user's rejection operation on the second resource management product, the second resource management product is cancelled from being displayed, and the page is redirected to a resource roll-out configuration page.

3. The method according to claim 1, characterized in that The resource transfer configuration page displays resource information of transferable resources, including: Determining idle resources that have not been converted into resource management products from virtual resources held by the user in the resource management client; On the resource transfer-out configuration page, resource information of the idle resources is displayed.

4. The method according to claim 1, characterized in that The resource transfer configuration page displays resource information of transferable resources, including: Determining recyclable resource products in an open recycling state from resource products held by the user in the resource management client; On the resource transfer configuration page, the resource holding information of the recyclable resource product is displayed.

5. The method according to claim 1, characterized in that The displaying of product information of the first resource management product matching the desired transfer-out resource includes: On the resource transfer configuration page, displaying recommended prompt information for the desired transfer-out resource; Corresponding to the recommendation prompt information, product information of a first resource management product matching the desired transfer-out resource is displayed.

6. The method according to claim 5, characterized in that The number of the first resource management products is multiple; the corresponding to the recommendation prompt information, displaying the product information of the first resource management product matching the expected transfer-out resource, includes: Corresponding to the recommended prompt information, displaying a plurality of information cards; Each of the information cards displays product information of a corresponding first resource management product; the first resource management product matches the desired transfer-out resource.

7. The method according to claim 6, characterized in that The method further comprises: In response to a sliding operation of the user on each of the information cards, changing the position of each of the information cards according to the sliding direction; For a target information card in a set display position among the information cards, a prominent dynamic effect for the product information contained in the target information card is displayed.

8. The method according to any one of claims 1 to 7, characterized in that The method further comprises: displaying a consulting interactive element of the first resource management product; In response to a triggering operation on the consultation interaction element, jump to a consultation page of the first resource management product.

9. The method according to any one of claims 1 to 7, characterized in that: The method further comprises: In response to a confirmation event for the product information, jumping to a conversion page of the first resource management product; In response to a resource conversion operation initiated by the user on at least a portion of the desired transfer-out resources, a resource conversion result is displayed.

10. The method according to claim 9, characterized in that The method further comprises: In response to a return event triggered on the conversion page, returning to the resource transfer-out configuration page; On the resource transfer configuration page, resource information of the updated transferable resources is displayed; the updated transferable resources are obtained by updating the transferable resources based on the resource conversion result.

11. The method according to any one of claims 1 to 7, characterized in that: The expected transfer-out resource matches the product conversion condition of the first resource management product; the method further includes: In response to a product selection event initiated by an operator through a resource management operation terminal, displaying a target product selected by the operator from the plurality of resource management products; In response to a conversion condition configuration event, a product conversion condition configured by the operator for the target product is displayed.

12. A resource transfer processing method, characterized in that: The method comprises: In the case where a user initiates a resource transfer request event through a resource management client, determining resource information of transferable resources; the resource information is used to indicate that the user determines the desired transfer-out resource; Determining a first resource management product that matches the desired transfer-out resource from a plurality of resource management products provided by the resource management service platform corresponding to the resource management client; Feedback the product information and recommendation reason of the first resource management product to the resource management client; the recommendation reason is used to guide the user to convert at least a part of the desired transferred-out resources into the first resource management product.

13. The method according to claim 12, characterized in that The determining, from among a plurality of resource management products provided by the resource management service platform corresponding to the resource management client, a first resource management product matching the desired transfer-out resource comprises: Acquire user information of the user, the resource quantity of the desired transferred resources, and user information matching conditions and resource quantity matching conditions of a plurality of resource management products; For any of the resource management products, if the user information satisfies the user information matching condition corresponding to the resource management product, and the resource quantity satisfies the resource quantity matching condition corresponding to the resource management product, the resource management product is determined as a candidate product for the desired transferred-out resources; A first resource management product matching the desired transfer-out resource is determined from the candidate products.

14. The method according to claim 13, characterized in that The step of determining, from among the candidate products, a first resource management product that matches the desired transfer-out resource comprises: Screening pre-selected products carrying priority marks from among the candidate products; In a case where the number of the pre-selected product is one, determining the pre-selected product as a first resource management product that matches the desired transfer-out resource; In the case that there are multiple pre-selected products, a first resource management product matching the desired transfer-out resource is determined from the pre-selected products according to the priorities represented by the priority tags.

15. The method according to claim 13, characterized in that The step of determining, from among the candidate products, a first resource management product that matches the desired transfer-out resource comprises: Determine associated users who have an associated relationship with the user; In the case that each of the candidate products includes a product held by the associated user, the held product is determined as a first resource management product that matches the desired transfer-out resource.

16. The method according to claim 12, characterized in that The desired transfer-out resource is a recyclable resource product in a recyclable state; the determining of a first resource management product matching the desired transfer-out resource from a plurality of resource management products provided by a resource management service platform corresponding to the resource management client comprises: Determining the product type and expected gain rate of the recyclable resource product; A first resource management product belonging to the product type and having an expected gain rate higher than that of the recyclable resource product is determined from a plurality of resource management products provided by a resource management service platform corresponding to the resource management client.

17. The method according to any one of claims 12 to 16, characterized in that The method further comprises: In the case where the first resource management product is a robust product, determining, according to the resource amount of the expected transferred-out resources, an expected resource gain after converting the expected transferred-out resources into the first resource management product; Based on the expected resource gain, a reason for recommending the first resource management product is determined.

18. A resource transfer processing device, characterized in that: The device comprises: A configuration page display module, used to jump to a resource transfer configuration page in response to a resource transfer request event initiated by a user through a resource management client; A resource information display module, used to display resource information of transferable resources on the resource transfer configuration page; A product information display module is used to display product information of a first resource management product matching the desired transfer-out resource when the user determines the desired transfer-out resource according to the resource information; the first resource management product is at least one of a plurality of resource management products provided by the resource management service platform corresponding to the resource management client; The recommendation reason display module is used to display the recommendation reason of the first resource management product corresponding to the product information; the recommendation reason is used to guide the user to convert at least part of the desired transferred resources into the first resource management product.

19. A resource transfer processing device, characterized in that: The device comprises: A resource information determination module, used to determine resource information of transferable resources when a user initiates a resource transfer request event through a resource management client; the resource information is used to indicate that the user determines the desired transfer-out resource; A product matching module, configured to determine a first resource management product that matches the desired transfer-out resource from among a plurality of resource management products provided by the resource management service platform corresponding to the resource management client; An information feedback module is used to feed back product information and recommendation reasons of the first resource management product to the resource management client; the recommendation reasons are used to guide the user to convert at least part of the desired transferred resources into the first resource management product.

20. 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, the steps of the method according to any one of claims 1 to 17 are implemented.

21. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 17 are implemented.

22. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 17 are implemented.

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