Reduction resource exchange method and device, electronic equipment, medium and program product

Abstract

The invention provides a deduction resource exchange method and device, electronic equipment, a medium and a program product, which can be used in the field of data processing. The method comprises the following steps: determining a first deduction resource required by a commodity, a first account for purchasing the commodity and a first identification level where the first deduction resource is located; determining an identity identifier of a user associated with the first account according to the account identifier of the first account, and determining each second deduction resource held by the user in the first identifier level according to the identity identifier; determining an exchange proportion of exchanging each second deduction resource into the first deduction resource, and determining a first proportion in each exchange proportion, the first proportion being used for indicating an exchange proportion less than a preset threshold value; and exchanging the second deduction resource corresponding to the first proportion into the first deduction resource. According to the method and the device, the effect of improving the user retention rate by reducing and avoiding resources is improved.

Description

Technical Field

[0001] The present application relates to the field of data processing, and in particular to a method, device, electronic device, medium and program product for exchanging reduced or exempted resources. Background Art

[0002] With the development of network technology, more and more shops have opened online trading platforms for users to purchase goods online.

[0003] In order to increase the sales volume of goods, various trading platforms have launched discount coupons, coupons, points, instant discount coupons and other exemption resources for users to deduct part or all of the amount when purchasing goods. When users buy goods online, they will register accounts to browse multiple trading platforms, so users will hold exemption resources distributed by multiple trading platforms.

[0004] However, when a user takes a fancy to a certain product and wants to purchase it, the user may not have the exemption resources distributed by the trading platform where the product is located, which makes it impossible for the user to deduct the amount when purchasing the product, and the exemption resources distributed by other trading platforms held by the user are not used. As a result, the trading platform where the purchased product is located does not attract the user to make the next purchase of the product, and other trading platforms are unable to attract users to purchase products through the exemption resources distributed. In other words, the effect of the exemption resources on improving user retention rate is low. Summary of the invention

[0005] The present application provides a method, device, electronic device, medium and program product for exchanging exempted resources, which solves the problem that the effect of exempted resources on improving user retention rate is low.

[0006] In a first aspect, the present application provides a method for exchanging reduced resources, including:

[0007] Determine a first reduction resource required for a product, a first account for purchasing the product, and a first identification level where the first reduction resource is located;

[0008] Determine, according to the account identifier of the first account, an identity identifier of a user associated with the first account, and determine, according to the identity identifier, each second exemption resource held by the user at the first identification level;

[0009] Determine an exchange ratio of each of the second exempted resources to the first exempted resources, and determine a first ratio among the exchange ratios, where the first ratio is used to indicate an exchange ratio that is less than a preset threshold;

[0010] The second exemption resources corresponding to the first ratio are exchanged into the first exemption resources.

[0011] In some embodiments, exchanging the second reduced resources corresponding to the first ratio into the first reduced resources includes:

[0012] Determine and select a first resource value of the first exempted resource and a current second resource value of a third exempted resource, wherein the third exempted resource is used to indicate a second exempted resource corresponding to the first ratio;

[0013] Determine, according to the second resource value and the first ratio, a maximum resource value for exchanging the third exempted resource for the first exempted resource;

[0014] In response to the maximum resource value being greater than or equal to the first resource value, a target resource value is determined according to the first ratio and the first resource value, and the third reduced resource of the target resource value is exchanged for the first reduced resource of the first resource value.

[0015] In some embodiments, after determining the maximum resource value of the third exempted resource to be exchanged for the first exempted resource according to the second resource value and the first ratio, the method further includes:

[0016] In response to the maximum resource value being less than the first resource value, determining, according to the first ratio, that a third exempted resource of the maximum resource value is exchanged into a third resource value of the first exempted resource;

[0017] Determining a second ratio among the exchange ratios, wherein the first ratio is the smallest exchange ratio, the second ratio is greater than the first ratio, and the second ratio is less than a preset threshold;

[0018] The third exempted resource is exchanged for a first exempted resource of the third resource value, and the second exempted resource corresponding to the second ratio is exchanged for a first exempted resource of a fourth resource value according to the second ratio, and the sum of the fourth resource value and the third resource value is the first resource value.

[0019] In some embodiments, determining the first ratio among the exchange ratios includes:

[0020] Among the exchange ratios, determining an exchange ratio that is less than a preset threshold as a target ratio;

[0021] Determine a value parameter associated with a second exemption resource corresponding to the target ratio;

[0022] The target ratio corresponding to the value parameter that is less than the preset value is determined as the first ratio.

[0023] In some embodiments, determining the first ratio among the exchange ratios includes:

[0024] Among the exchange ratios, determining an exchange ratio that is less than a preset threshold as a target ratio;

[0025] Determine the remaining usage time associated with the second exemption resource corresponding to the target ratio;

[0026] The target ratio corresponding to the remaining usage time that is less than the preset time is determined as the first ratio.

[0027] In some embodiments, determining the first ratio among the exchange ratios includes:

[0028] Obtain the historical usage record of the exempted resources of the user;

[0029] Determine the user's usage pattern of various types of exempted resources based on the historical usage records;

[0030] According to the usage rule, determining a target reduction resource to be exchanged from each of the second reduction resources;

[0031] Among the exchange ratios of each of the target reduction resources, a first ratio is determined.

[0032] In some embodiments, determining the identity identifier of the user associated with the first account according to the account identifier of the first account includes:

[0033] Determine a second identification level at which the account identification of the first account is located;

[0034] The identifier associated with the parent level of the second identifier level is determined as the identity identifier of the user associated with the first account.

[0035] In some embodiments, before determining the first reduction resource required for the product, the first account for purchasing the product, and the first identification level where the first reduction resource is located, the method further includes:

[0036] Determine the second account of the user in each institution according to the identity identifier of the user;

[0037] Constructing a multi-layer identification structure according to the user identification, the organization, the second account number and the second exemption resource;

[0038] Among them, the level of the user identifier in the multi-layer identifier structure is the parent level, the third identifier level of the organization identifier corresponding to the organization in the multi-layer identifier structure is a sub-level of the parent level, the second identifier level of the account identifier of the second account in the multi-layer identifier structure is a sub-level of the third identifier level, and the first identifier level of the second exemption resource in the multi-layer identifier structure is a sub-level of the second identifier level.

[0039] In a second aspect, the present application provides a resource reduction and exemption exchange device, comprising:

[0040] A first determination module, used to determine a first reduction resource required for a product, a first account for purchasing the product, and a first identification level where the first reduction resource is located;

[0041] A second determination module, configured to determine an identity identifier of a user associated with the first account according to the account identifier of the first account, and determine each second exemption resource held by the user at the first identification level according to the identity identifier;

[0042] A third determination module, configured to determine an exchange ratio of each of the second exempted resources to the first exempted resources, and determine a first ratio among the exchange ratios, wherein the first ratio is used to indicate an exchange ratio greater than a preset threshold;

[0043] The exchange module is used to exchange the second exemption resources corresponding to the first ratio into the first exemption resources.

[0044] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory and a communication interface communicatively connected to the processor;

[0045] The communication interface is used to communicate with other communication devices;

[0046] The memory is used to store computer-executable instructions;

[0047] The processor is used to execute the computer-executable instructions stored in the memory to implement the resource reduction and exemption exchange method provided in the first aspect.

[0048] In a fourth aspect, the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, the resource exchange method for reduction or exemption provided in the first aspect is implemented.

[0049] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the resource exchange method for reduction or exemption as provided in the first aspect.

[0050] The method, device, electronic device, medium and program product for exchanging reduced resources provided in the present application determine the first reduced resource required for a product, the account for purchasing the product and the identification level at which the first reduced resource is located, determine the identity of the user associated with the account through the account identification of the account, determine the second reduced resource held by the user at the identification level based on the identity, and determine the exchange ratio of each second reduced resource for the first reduced resource, so as to determine a first ratio that is less than a preset threshold among the various exchange ratios, thereby exchanging the second reduced resource corresponding to the first ratio for the first reduced resource. In the present application, the second exemption resources held by the user are determined through the user's identity identification to exchange the first exemption resources required for the product, thereby realizing the mutual exchange of exemption resources of different trading platforms, which not only increases the trading platform where the product is located in the user's interest in purchasing the next round of products, but also increases the user's interest in obtaining exemption resources on the trading platform, thereby improving the retention rate of users on each trading platform, that is, improving the effect of exemption resources on improving user retention rate; in addition, the first exemption resources required for the product and the holding exemption resources for exchanging the first exemption resources are at the same identification level, and the exchange ratio of the holding exemption resources for exchanging is less than the preset threshold, so that the user can exchange the required first exemption resources with less holding exemption resources, that is, on the premise of ensuring the user's preferential rights and interests, it is achieved to improve the effect of exemption resources on improving user retention rate and improve user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0051] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0052] Figure 1 The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 1 ;

[0053] Figure 2 A schematic diagram of a multi-layer identification structure involved in an embodiment of the present application;

[0054] Figure 3 The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 2 ;

[0055] Figure 4 The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 3 ;

[0056] Figure 5 The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 4 ;

[0057] Figure 6The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 5 ;

[0058] Figure 7 The following is a schematic diagram of the steps of the resource exchange method for reducing or exempting resource exchange in this embodiment of the application: Figure 6 ;

[0059] Figure 8 A schematic diagram of a program module of a resource exchange device for reduction or exemption provided in an embodiment of the present application;

[0060] Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0061] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0062] In order to make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, rather than all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present application. In addition, although the disclosure in the present application is introduced according to one or several exemplary examples, it should be understood that each aspect of these disclosures can also constitute a complete implementation method separately.

[0063] It should be noted that the brief description of terms in this application is only for the convenience of understanding the embodiments described below, and is not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their common and usual meanings.

[0064] In addition, the terms "include" and "have" and any variations thereof are intended to cover but not exclude inclusion, for example, a product or device comprising a list of components is not necessarily limited to those components expressly listed but may include other components not expressly listed or inherent to such products or devices.

[0065] The term "module" used in the embodiments of the present application refers to any known or later developed hardware, software, firmware, artificial intelligence, fuzzy logic, or a combination of hardware and / or software code that can perform the functions associated with the element.

[0066] 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, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0067] With the development of network technology, more and more shops have opened online trading platforms for users to purchase goods online.

[0068] In order to increase the sales volume of goods, various trading platforms have launched discount coupons, coupons, points, instant discount coupons and other exemption resources for users to deduct part or all of the amount when purchasing goods. When users buy goods online, they will register accounts to browse multiple trading platforms, so users will hold exemption resources distributed by multiple trading platforms.

[0069] The inventor of this application discovered that when a user takes a fancy to a certain product and wants to purchase it, the user may not have the exemption resources distributed by the trading platform where the product is located, which makes it impossible for the user to deduct the amount when purchasing the product, and the exemption resources distributed by other trading platforms held by the user are not used. As a result, the trading platform where the purchased product is located does not attract the user to make the next product purchase, and other trading platforms are unable to attract users to purchase products through the exemption resources distributed. In other words, the existence of exemption resources has a low effect on improving user retention rate.

[0070] Therefore, the inventor of the present application came up with the idea of ​​determining the second exemption resources held by the user through the user's identity identification to exchange the first exemption resources required for the product, thereby realizing the mutual exchange of exemption resources of different trading platforms, which not only improves the trading platform where the product is located in the user's interest in purchasing the next round of products, but also improves the user's interest in obtaining exemption resources on the trading platform, thereby improving the retention rate of users on each trading platform, that is, improving the effect of exemption resources on improving user retention rate; in addition, the first exemption resource required for the product and the holding exemption resource for exchanging the first exemption resource are at the same identification level, and the exchange ratio of the holding exemption resource for exchanging is less than the preset threshold, so that the user can exchange the required first exemption resource with less holding exemption resources, that is, on the premise of ensuring the user's preferential rights and interests, it is achieved to improve the effect of exemption resources on improving user retention rate and improve user experience.

[0071] The technical solutions shown in the present application are described in detail below through embodiments. It should be noted that the following embodiments can exist independently or in combination with each other, and the same or similar contents will not be described repeatedly in different embodiments.

[0072] Reference Figure 1 , Figure 1 The process diagram of the resource exchange method for exemption provided in the embodiment of this application is as follows Figure 1 , the methods of exchanging reduced resources include:

[0073] Step S101, determining a first reduction resource required for a product, a first account for purchasing the product, and a first identification level where the first reduction resource is located.

[0074] In this embodiment, the execution subject is the resource exchange device for reduction and exemption. For the convenience of description, the term "device" is used below to refer to the resource exchange device for reduction and exemption. The device can be a server, a terminal device with the resource exchange function for reduction and exemption, or a terminal device connected to various trading platforms.

[0075] When a user browses or purchases a product, the available reduction resources for the product purchase will be displayed. The reduction resources are the first reduction resources required for the product. The first reduction resources may be points, discount coupons, instant discount coupons, exchange coupons, etc. For example, a user clicks on the reduction resources available for the product in the display interface of a transaction application running on a terminal device, and the terminal device displays the types of reduction resources available for the purchase of the product, such as points, instant discount coupons, discount coupons, and exchange coupons. If the user clicks on the points option, the first reduction resource is points, and the terminal device sends the first reduction resource clicked by the user to the device, so that the device determines the first reduction resource required for the product.

[0076] After determining the first exemption resource required for the product, the device determines the account number for purchasing the product, which is defined as the first account number. For example, if a user uses a card base of financial institution 1 to purchase a product, the card base refers to the physical card of the financial card, and the account number of the card base at financial institution 1 is the first account number. For another example, if a user uses an electronic account to purchase a product online, the account number of the electronic account is the first account number. For another example, if a user uses a shopping card issued by enterprise A to purchase a product, the account number corresponding to the shopping card is the first account number.

[0077] In addition, the device also needs to determine the identification level where the first exemption resource is located, and the identification level is defined as the first identification level.

[0078] Specifically, for each user, the device constructs a multi-layer identification structure, through which the exemption resources held by the user under the account of different institutions can be associated. The multi-layer identification structure is composed of multiple layers of identification, with the user's identity identification as the first-layer identification, that is, the device identification as the parent level; the institution identification of the institution where the user's account is located is the second-layer identification, and the level of the second layer is a sub-level of the identification level of the first layer; the account identification corresponding to the user's account in the institution is the third-layer identification, and the level of the third layer where the account identification is located is a sub-level of the level where the institution identification is located; the identification of the exemption resources is the fourth-layer identification, and the level where the identification of the exemption resources is located is a sub-level of the level where the account identification is located.

[0079] Before determining the first tax-reduction resource required for the product, it is necessary to construct a multi-layer identification hierarchy. Exemplarily, the device determines the user's second account in each institution based on the user's identity identifier, and constructs a multi-layer identification structure based on the user identifier, the institution, the second account, and each second tax-reduction resource held by the user, wherein the user identifier in the multi-layer identification structure is a parent hierarchy, the institution identifier corresponding to the institution in the multi-layer identification structure is a child of the parent hierarchy in the third identification hierarchy, the account identifier of the second account in the multi-layer identification structure is a child of the third identification hierarchy, and the first identification hierarchy of the second tax-reduction resource in the multi-layer identification structure is a child of the second identification hierarchy. Refer to Figure 2 , the user's identity is used as the parent level identity, that is, the parent token (identity), and the organization identity of each organization is the first-level child token, for example Figure 2In the example, financial institution 1 and industry institution 2 are listed. The identifier of financial institution 1 is created as token1, and the identifier of industry institution 2 is created as token2. The identifier level of token1 and token2 is the first-level sub-level. A user can have multiple accounts under an institution. For example, a user has card base 1 and account 1 under financial institution 1, and the user has account 2 and industry member 1 under industry institution 2. Card base 1, account 1, account 2 and industry session 1 each correspond to an account. The account identifier of the account corresponding to card base 1 is created as token1.1, the account identifier of the account corresponding to account 1 is created as token1.2, the account identifier of the account corresponding to account 2 is created as token2.1, and the account identifier of the account corresponding to industry member 1 is created as token2.2. The identifier level of the above account identifiers is the second-level sub-level, and the second-level sub-level is the sub-level of the first-level sub-level. Create an identifier for the exemption resources held under each account. For example, if a user holds a discount coupon under account 1, the discount coupon is identified as token1.2.2. If a user holds an instant discount coupon under card base 1, the instant discount coupon is identified as token1.1.1. If a user holds points in industry membership 1, the points are identified as token2.2.2. If a user holds a coupon under account 2, the coupon is identified as token2.1.2. The identification level of discount coupons, points, coupons, and instant discount coupons is a three-level sub-level, and the third-level sub-level is a sub-level of the second-level sub-level. It can be understood that the user identifier is used as the parent token, financial institutions, industry institutions, merchants, etc. are used as the first-level sub-tokens, card bases, accounts, industry members, etc. are used as second-level sub-tokens, and discount coupons, instant discount coupons, points, and other exemption resources are used as third-level sub-tokens.

[0080] Figure 2 The multi-layer identification structure in is a four-layer identification, which can be further expanded according to business needs, for example, expanded to an identification structure with more than five layers.

[0081] It should be noted that after an organization distributes tax-free resources to a user, it determines the account that receives the tax-free resources, builds an identifier for the distributed tax-free resources based on the account, and associates the identifier with the account identifier corresponding to the account in a multi-layer identifier structure, so that the tax-free resources held by the user's accounts under different organizations can be found later.

[0082] Step S102: determining the identity identifier of the user associated with the first account according to the account identifier of the first account, and determining each second reduction and exemption resource held by the user at the first identifier level according to the identity identifier.

[0083] After determining the first account, the device determines the identity identifier of the user associated with the first account based on the account identifier of the first account.

[0084] In one example, the device determines the identification level where the account identification of the first account is located, and the identification level is defined as the second identification level, which is the level of the account identification of the first account in the multi-layer identification structure. The device uses the identification associated with the parent level of the second identification level as the identity of the user associated with the first account, and the identification associated with the parent level is the parent token.

[0085] In another example, the device determines the institution where the first account is located, which is the institution that opened the first account, and determines the institution identifier of the institution in the multi-layer identification structure. The identifier associated with the parent level of the institution identifier in the multi-layer identification structure is used as the user's identity identifier, that is, the parent token is used as the user's identity identifier.

[0086] After determining the identity identifier, the device determines the various second exemption resources held by the user at the first identification level based on the identity identifier. Exemplarily, the device determines the multi-layer identification structure with the identity identifier as the parent token. The first identification level is the third-level sub-token in the multi-layer identification structure. When the user holds the second exemption resource, there will be a corresponding identifier in the multi-layer identification structure. Therefore, the identifier can be searched in the first identification level. The exemption resources corresponding to the identifier are the various second exemption resources held by the user at the first identification level.

[0087] Step S103, determining an exchange ratio of each second reduced resource to the first reduced resource, and determining a first ratio among the exchange ratios, the first ratio being used to indicate an exchange ratio that is less than a preset threshold.

[0088] After determining each second exemption resource, the device needs to determine the exchange ratio between the second exemption resource and the first exemption resource. The exchange ratio can be converted into a ratio, so that the size of the exchange ratio can be determined. For example, if the exchange ratio between a second exemption resource and a first exemption resource is 1:3, then the ratio corresponding to the exchange ratio is 1 / 3; if the exchange ratio between another second exemption resource and the first exemption resource is 1:2, then the ratio corresponding to the exchange ratio is 1 / 2, so the exchange ratio of the former is smaller than that of the latter. In order to ensure the user's better rights and interests, the device uses fewer second exemption resources to exchange for more first exemption resources. To this end, the device obtains the exchange ratio between each second exemption resource and the first exemption resource.

[0089] In one example, different types of exemption resources have different exchange ratios, so the exchange ratio of the second exemption resource to the first exemption resource can be determined based on the type of the second exemption resource and the type of the first exemption resource. For example, the exchange ratio of points to discount coupons is 1:3, the exchange ratio of instant discount coupons to exchange coupons is 1:2, and the exchange ratio of points to exchange coupons is 1:4. When the second exemption resource is points and the first exemption resource required for the product is a discount coupon, the exchange ratio is 1:3.

[0090] In another example, the exchange ratio between the exempted resources is different based on different institutions. For example, the exchange ratio between the exempted resources between institution 1 and institution 2 is 1:2, and different exempted resources within the same institution are exchanged at equal value. The exchange ratio between the exempted resources of different institutions is stored in the device. The device determines a first institution that distributes a first exempted resource and a second institution that distributes a second exempted resource, thereby determining the exchange ratio between the second exempted resource and the first exempted resource based on the first institution and the second institution, that is, obtaining the stored exchange ratio between the first institution and the second institution.

[0091] After determining each exchange ratio, the device determines a first ratio among the exchange ratios. The first ratio is less than a preset threshold value. The preset threshold value can be any appropriate value. The preset threshold value is, for example, 1:1. The second exemption resource corresponding to the first ratio is exchanged for the first exemption resource, so that less second exemption resources can be exchanged for more first exemption resources. Further, when there are multiple exchange ratios less than the preset threshold value, the smallest exchange ratio can be used as the first ratio, that is, the least second exemption resource is exchanged for more first exemption resources.

[0092] Step S104: exchanging the second reduced resources corresponding to the first ratio into the first reduced resources.

[0093] After the device determines the first ratio, the second reduction resource corresponding to the first ratio is exchanged for the first reduction resource. For example, if the first ratio is 1:3 and the first reduction resource is 30, then 10 of the second reduction resource needs to be exchanged for 30 of the first reduction resource.

[0094] After the second reduction resource corresponding to the first ratio is exchanged for the first reduction resource, a first electronic certificate for the first reduction resource is generated, and the second electronic certificate corresponding to the second reduction resource is deleted. For example, the first reduction resource is points, and the second reduction resource is instant discount coupons. After the instant discount coupons are exchanged for points, a points certificate needs to be generated, and the points certificate can be used to deduct the goods; and when the instant discount coupons are exchanged for points, the instant discount coupon certificate corresponding to the instant discount coupons needs to be deleted to prevent the instant discount coupons from being used twice.

[0095] In this embodiment, by exchanging the exemption resources, the business needs of different enterprises can be met, and the level of external services of enterprise products and user satisfaction can be improved. In addition, this embodiment supports the mutual conversion of various rights and interests (exempt resources), the conversion of rights and interests of different institutions, and the universal use of rights and interests of different accounts, thereby improving the quality and efficiency of preferential activities, promoting the return of commodity transactions, and achieving a win-win situation for various institutions. In addition, based on the advantages of the device across institutions, explore the networking and universal use of preferential rights and interests of different institutions and even institutions in different industries, and promote cooperation and coordination among various institutions.

[0096] In this embodiment, the first exemption resource required for the product, the account used to purchase the product, and the identification level at which the first exemption resource is located are determined, the identity identifier of the user associated with the account is determined through the account identifier of the account, the second exemption resource held by the user at the identification level is determined based on the identity identifier, and the exchange ratio of each second exemption resource for the first exemption resource is determined, so as to determine a first ratio that is less than a preset threshold among the exchange ratios, thereby exchanging the second exemption resource corresponding to the first ratio for the first exemption resource. In this embodiment, the second exemption resources held by the user are determined through the user's identity identification to exchange for the first exemption resources required for the product, thereby realizing the mutual exchange of exemption resources of different trading platforms, which not only increases the trading platform where the product is located in the user's interest in purchasing the next round of products, but also increases the user's interest in obtaining exemption resources on the trading platform, thereby improving the retention rate of users on each trading platform, that is, improving the effect of exemption resources on improving user retention rate; in addition, the first exemption resources required for the product and the holding exemption resources for exchanging the first exemption resources are at the same identification level, and the exchange ratio of the holding exemption resources for exchanging is less than the preset threshold, so that the user can exchange the required first exemption resources with less holding exemption resources, that is, on the premise of ensuring the user's preferential rights and interests, it is achieved to improve the effect of exemption resources on improving user retention rate and improve user experience.

[0097] Reference Figure 3 , Figure 3 This is a schematic diagram of the process of exchanging resources for this application Figure 2 ,based on Figure 1 In the illustrated embodiment, step S204 includes:

[0098] Step S301, determining a first resource value of a selected first exempted resource and a current second resource value of a third exempted resource, wherein the third exempted resource is used to indicate a second exempted resource corresponding to a first ratio.

[0099] In this embodiment, the device will uniformly measure all the exempted resources, so as to facilitate the exchange of the exempted resources. Exemplarily, each exempted resource can be uniformly measured by a resource value, such as a deduction value. For example, the resource value of an instant discount coupon is a 5 yuan deduction; the discount coupon is a 98% discount on a 1,000 yuan product, then the resource value of the discount coupon is 20 yuan; the points are 200, which can be used to deduct 2 yuan, then the resource value of 200 points is 2 yuan. The device stores a conversion strategy for the resource value of each exempted resource, and determines the first resource value of the selected first exempted resource and the current second resource value of the third exempted resource based on the conversion strategy. The third exempted resource is the second exempted resource corresponding to the first ratio.

[0100] For example, the maximum discount for the product selected by the user is 10 yuan, and the first resource value of the first exemption resource used for the discount is 10 yuan. The device obtains the value of the third exemption resource, and converts the value into the second resource value. For example, the third exemption resource is points, and the current value of the points is 100000, which is converted into a second resource value of 100 yuan. It should be noted that the exchange ratio refers to the ratio between the resource value of the second exemption resource and the resource value of the first exemption resource.

[0101] Step S302: Determine the maximum resource value of the first exempted resource for exchanging the third exempted resource according to the second resource value and the first ratio.

[0102] The device determines the maximum resource value that can be exchanged for the first exempted resource based on the second resource value and the first ratio. For example, if the second resource value is 100 and the first ratio is 1:3, the third exempted resource can be exchanged for a maximum of 300 first exempted resources, that is, the maximum resource value is 300.

[0103] Step S303, in response to the maximum resource value being greater than or equal to the first resource value, determining the target resource value according to the first ratio and the first resource value, and exchanging the third reduced resource of the target resource value into the first reduced resource of the first resource value.

[0104] When the maximum resource value is greater than or equal to the first resource value, it can be determined that the third exemption resource is sufficient to be exchanged for the first exemption resource required for the commodity, and the target resource value is determined based on the first ratio and the first resource value, so as to exchange the third exemption resource of the target resource value for the first exemption resource of the first resource value. For example, if 100 first exemption resources need to be exchanged, and the first ratio is 1:4, then the target resource value is 25, that is, 25 third exemption resources are exchanged for 100 first exemption resources.

[0105] In this embodiment, the device obtains the maximum resource value of the second reduced resources corresponding to the first ratio for exchange into the first reduced resources, thereby ensuring that the second reduced resources can be exchanged for the required first reduced resources based on the maximum resource value.

[0106] Reference Figure 4 , Figure 4 This is a schematic diagram of the process of exchanging resources for this application Figure 3 ,based on Figure 3 In the embodiment shown, after step S302, the following steps are further included:

[0107] Step S401, in response to the maximum resource value being less than the first resource value, determining according to a first ratio that a third exempted resource of the maximum resource value is exchanged for a third resource value of the first exempted resource.

[0108] In this embodiment, when the maximum resource value is less than the first resource value, it can be determined that the third exemption resource is insufficient to exchange for the first exemption resource required for the product, and it is necessary to exchange the first exemption resource with other exemption resources held by the user.

[0109] In this regard, the device first determines the third exempted resource with the maximum resource value to be exchanged for the third resource value of the first exempted resource based on the first ratio. For example, 100 first exempted resources need to be exchanged, and the exchange ratio of the third exempted resource to the first exempted resource is 1:4, but the second resource value of the third exempted resource is only 20, so the third exempted resource can be exchanged for a maximum of 80 first exempted resources, and 80 is the third resource value of the first exempted resource.

[0110] Step S402, determining a second ratio among the exchange ratios, wherein the first ratio is the smallest exchange ratio, the second ratio is greater than the first ratio, and the second ratio is less than a preset threshold.

[0111] After determining the third resource value, the device determines a second ratio among various exchange ratios, and the first ratio is the smallest exchange ratio, and the second ratio is greater than the first ratio, and the second ratio is less than a preset threshold.

[0112] Exemplarily, multiple exchange ratios include 1:4, 1:3, 1:2, and 2:1, and the preset threshold is 1. The ratio is regarded as the value of the numerator and the denominator, among which 1:4, 1:3, and 1:2 are all greater than the preset threshold, and 1:4 is the smallest as the first ratio, 1:3 and 1:2 are both greater than 1:4, and 1:3 or 1:2 can be used as the second ratio, and 1:3 is preferably used as the second ratio.

[0113] Step S403, exchanging the third exempted resource into the first exempted resource of the third resource value, and exchanging the second exempted resource corresponding to the second ratio into the first exempted resource of the target resource value according to the second ratio, and the sum of the target resource value and the third resource value is the first resource value.

[0114] After determining the second ratio, the third exempted resource is exchanged for the first exempted resource of the third resource value, and based on the second ratio, the second exempted resource corresponding to the second ratio is exchanged for the first exempted resource of the fourth resource value, and the sum of the fourth resource value and the third resource value is the first resource value. For example, if 100 first exempted resources need to be exchanged, the exchange ratio of the third exempted resource to the first exempted resource is 1:4, but the second resource value of the third exempted resource is only 20, so the third exempted resource can be exchanged for a maximum of 80 first exempted resources, 80 is the third resource value of the first exempted resource; and the second ratio is 1:2, and the second exempted resource corresponding to the second ratio is exempted resource A, then 10 exempted resource A needs to be exchanged for 20 first exempted resources, 20 is the fourth resource value, that is, the sum of the third resource value and the fourth resource value is 100 = the first resource value 100.

[0115] In this embodiment, if the maximum resource value is less than the first resource value, the device needs to exchange the required first reduced resource based on multiple second reduced resources to ensure that the first reduced resource required for the product can be exchanged.

[0116] Reference Figure 5 , Figure 5 This is a schematic diagram of the process of exchanging resources for this application Figure 4 ,based on Figures 1 to 4 In any of the embodiments shown in , step S203 includes:

[0117] Step S501: among various exchange ratios, determine an exchange ratio that is less than a preset threshold as a target ratio.

[0118] In this embodiment, the device needs to reasonably determine the second reduction resource to be exchanged. To this end, the device first determines the exchange ratio that is less than a preset threshold value among various exchange ratios as the target ratio.

[0119] Step S502: determining a value parameter associated with a second exemption resource corresponding to the target ratio.

[0120] Different exemption resources have corresponding value parameters, and the larger the value parameter, the greater the value of the exemption resource to the user. The value parameter is determined based on the value of the goods that the exemption resource can be exempted from. For example, if discount coupon 1 distributed by institution 1 can be used to discount goods worth less than 10,000 yuan, then the value parameter of discount coupon 1 can be 10,000 yuan; if instant discount coupon 2 distributed by institution 2 can be used to discount goods worth less than 2,000 yuan, then the value parameter of instant discount coupon 2 is 2,000 yuan.

[0121] The device obtains description information corresponding to each second exemption resource, and determines the value parameter of the second exemption resource based on the description information. For example, if the description information indicates that the value of the goods that can be exempted by the second exemption resource is less than 10,000, then the value parameter is 10,000. The device associates and stores the value parameter with the second exemption resource. After determining the target ratio, the device obtains the value parameter associated with the second exemption resource corresponding to the target ratio.

[0122] Step S503: determining the target ratio corresponding to the value parameter that is less than the preset value as the first ratio.

[0123] After obtaining the value parameters corresponding to each target ratio, the device selects the second exemption resource with a smaller value parameter to exchange for the first exemption resource, that is, retains the second exemption resource with a larger value parameter for deduction of higher value goods. In this regard, the device uses the target ratio corresponding to the value parameter less than the preset value as the first ratio, that is, uses the second exemption resource with a smaller value parameter to exchange for the first exemption resource.

[0124] Exemplarily, the target ratios include 1:3 and 1:2. The second exemption resource of 1:3 can be used to discount goods below 10,000 yuan, and the second exemption resource of 1:2 can be used to discount goods below 2,000 yuan. Then 1:2 is used as the first ratio, that is, the second exemption resource of 1:2 is used to exchange the first exemption resource.

[0125] In this embodiment, the device selects the second reduced resource with a smaller value to exchange for the first reduced resource, and retains the larger second reduced resource, thereby improving the exchange intelligence of the device.

[0126] Reference Figure 6 , Figure 6 This is a schematic diagram of the process of exchanging resources for this application Figure 5 ,based on Figures 1 to 4 In any of the embodiments shown in , step S203 includes:

[0127] Step S601: among various exchange ratios, determine an exchange ratio that is less than a preset threshold as a target ratio.

[0128] In this embodiment, the device needs to reasonably determine the second reduction resource to be exchanged. To this end, the device first determines the exchange ratio less than the preset threshold value among various exchange ratios as the target ratio.

[0129] Step S602: determine the remaining usage time associated with the second exempted resource corresponding to the target ratio.

[0130] Each second exemption resource held by the user has a time limit, and the device can use the second exemption resources that are about to expire, so that the second exemption resources held by the user will not be wasted.

[0131] In this regard, the device obtains description information of the second exempted resource, and can determine the remaining duration of the second exempted resource from the description information. After determining the target ratio, the device determines the remaining usage duration associated with the second exempted resource corresponding to the target ratio.

[0132] Step S603: determine the target ratio corresponding to the remaining usage time that is less than the preset time as the first ratio.

[0133] The device determines the target ratio corresponding to the remaining usage time less than the preset time as the first ratio. For example, the target ratio includes 1:3 and 1:2, the remaining usage time of the second exemption resource of 1:3 is 3 days, the remaining usage time of the second exemption resource of 1:2 is 23 hours, and the preset time is 1 day, then the second exemption resource of 1:2 is used to exchange the first exemption resource, that is, the target ratio of 1:2 is used as the first ratio.

[0134] Furthermore, before determining each exchange ratio, the device first detects the remaining usage time of each second exempt resource, and determines the fourth exempt resource in each second exempt resource based on the remaining usage time, and the remaining time of each fourth exempt resource is less than the preset time; if the number of fourth exempt resources is greater than the preset number, the fourth exempt resource is used to exchange the first exempt resource; if the number of fourth exempt resources is less than or equal to the preset number, each exchange ratio is determined, and the first ratio is determined in each exchange ratio.

[0135] In this embodiment, the device selects the second exemption resource with a shorter remaining usage time to exchange for the first exemption resource, thereby avoiding waste of the second exemption resource held by the user.

[0136] Reference Figure 7 , Figure 7 This is a schematic diagram of the process of exchanging resources for this application Figure 5 ,based on Figures 1 to 4 In any of the embodiments shown in , step S203 includes:

[0137] Step S701, obtaining the user's historical usage record of reduced or exempted resources.

[0138] Step S702: determining the user's usage patterns of various types of exempted resources based on historical usage records.

[0139] In this embodiment, the device finds suitable held reduced resources for first reduced resource exchange based on the user's usage pattern of reduced resources. Specifically, the device obtains the user's historical usage record of reduced resources and determines the user's usage pattern of various reduced resources based on the historical usage record.

[0140] In one example, the device collects statistics on various types of exemption resources used by the user based on historical usage records, and obtains the exemption resources that the user prefers to use as a usage rule. For example, the number of times the user uses instant discount coupons is 50 times, points is 10 times, and discount coupons is 1 time. The number of times the instant discount coupons are used is much greater than the number of points and discount coupons, so the user prefers to use instant discount coupons.

[0141] In another example, the device searches for regularities in the time when the user uses the exempted resources based on the historical usage records. For example, the user is accustomed to using instant discount coupons to deduct goods under account 1 of institution 1 every Thursday, and the user is accustomed to using points to deduct goods under account 4 of institution 3 every Sunday.

[0142] Step S703: Determine the target reduction resource to be exchanged from each second reduction resource according to the usage rule.

[0143] After determining the usage rules, the device determines the reduced resources to be exchanged as target reduced resources among the second reduced resources based on the usage rules.

[0144] In one example, the usage rule is the user's preferred reduction resource, the type of the preferred reduction resource is used as the preset type, and the device uses the second reduction resource that is not the preset type as the target reduction resource. Exemplarily, the user prefers to use points for commodity deduction, so the points held by the user should not be exchanged for the first reduction resource, and the instant discount coupons and discount coupons held by the user can be used as the target reduction resource.

[0145] In another example, the usage rule is the time rule of the user using the reduced resources. The device determines the current time, determines the target type of the reduced resources used by the user at the current time based on the time rule, and uses the second reduced resources of the non-target type as the target reduced resources. For example, the current time is Thursday, and the user is accustomed to using instant discount coupons to deduct goods under account 1 of institution 1 every Thursday, and the user holds discount coupons of account 3 under institution 2, points of account 5 under institution 4, and instant discount coupons under account 1 of institution 1. The discount coupons or points can be used as target reduced resources to exchange for the first reduced resources.

[0146] Step S704: Determine a first ratio among the exchange ratios of various target reduction resources.

[0147] After the target reduction resources are determined, a first ratio is determined in the exchange ratios of the respective target reduction resources.

[0148] Furthermore, Figure 5 as well as Figure 6 In the embodiment shown, the exchange ratios for determining the first ratio may be the exchange ratios of the target reduction resources in this embodiment, that is, Figure 5 as well as Figure 6 The illustrated embodiment first uses this embodiment to determine the target reduction resources, and then determines the first ratio in the exchange ratio of each target reduction resource.

[0149] In this embodiment, the device reasonably determines the second reduced resource that needs to be exchanged based on the usage patterns of the users for various reduced resources, thereby improving the user experience.

[0150] Based on the contents described in the above embodiments, a resource exchange device for reduction or exemption is also provided in the embodiments of the present application. Figure 8 , Figure 8 This is a schematic diagram of a program module of a resource exchange device for reduction or exemption provided in an embodiment of the present application. In some implementations, the resource exchange device for reduction or exemption 800 includes:

[0151] A first determination module 810 is used to determine a first reduction resource required for the product, a first account for purchasing the product, and a first identification level where the first reduction resource is located;

[0152] A second determination module 820 is used to determine the identity identifier of the user associated with the first account according to the account identifier of the first account, and determine each second reduction and exemption resource held by the user at the first identifier level according to the identity identifier;

[0153] A third determination module 930 is used to determine an exchange ratio of each second exemption resource to the first exemption resource, and determine a first ratio among the exchange ratios, where the first ratio is used to indicate an exchange ratio greater than a preset threshold;

[0154] The exchange module 840 is used to exchange the second exemption resources corresponding to the first ratio into the first exemption resources.

[0155] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0156] Determine a first resource value of a selected first exemption resource and a current second resource value of a third exemption resource, wherein the third exemption resource is used to indicate a second exemption resource corresponding to the first ratio;

[0157] Determine the maximum resource value of the third exempted resource to be exchanged for the first exempted resource according to the second resource value and the first ratio;

[0158] In response to the maximum resource value being greater than or equal to the first resource value, a target resource value is determined according to the first ratio and the first resource value, and a third reduced resource of the target resource value is exchanged for a first reduced resource of the first resource value.

[0159] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0160] In response to the maximum resource value being less than the first resource value, determining, according to the first ratio, that the third exempted resource of the maximum resource value is exchanged for the third resource value of the first exempted resource;

[0161] Determining a second ratio among the exchange ratios, wherein the first ratio is the smallest exchange ratio, the second ratio is greater than the first ratio, and the second ratio is less than a preset threshold;

[0162] The third exemption resource is exchanged for the first exemption resource of the third resource value, and the second exemption resource corresponding to the second ratio is exchanged for the first exemption resource of the fourth resource value according to the second ratio, and the sum of the fourth resource value and the third resource value is the first resource value.

[0163] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0164] Among various exchange ratios, determine an exchange ratio that is less than a preset threshold as a target ratio;

[0165] Determine the value parameter associated with the second relief resource corresponding to the target ratio;

[0166] The target ratio corresponding to the value parameter less than the preset value is determined as the first ratio.

[0167] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0168] Among various exchange ratios, determine an exchange ratio that is less than a preset threshold as a target ratio;

[0169] Determine the remaining usage time associated with the second exemption resource corresponding to the target ratio;

[0170] The target ratio corresponding to the remaining usage time that is less than the preset time is determined as the first ratio.

[0171] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0172] Obtain the historical usage records of the user's exempted resources;

[0173] Determine the user's usage patterns of various types of exemption resources based on historical usage records;

[0174] According to the usage rules, the target reduction resource to be exchanged is determined from each second reduction resource;

[0175] Among the exchange ratios of various target reduction resources, a first ratio is determined.

[0176] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0177] Determine a second identification level at which the account identification of the first account is located;

[0178] The identifier associated with the parent level of the second identifier level is determined as the identity identifier of the user associated with the first account.

[0179] In some embodiments, the resource reduction and exemption exchange device 800 is specifically used for:

[0180] Determine the user's second account in each institution based on the user's identity identifier;

[0181] Construct a multi-layer identification structure based on user identification, organization, second account number, and second exemption resource;

[0182] Among them, the user identifier is at the parent level in the multi-layer identifier structure, the third identifier level of the institution identifier corresponding to the institution in the multi-layer identifier structure is a child level of the parent level, the second identifier level of the account identifier of the second account in the multi-layer identifier structure is a child level of the third identifier level, and the first identifier level of the second exemption resource in the multi-layer identifier structure is a child level of the second identifier level.

[0183] It should be noted that the various steps in the resource reduction and exemption exchange method executed by the resource reduction and exemption exchange device are specifically referred to the above embodiment, and will not be repeated here.

[0184] Furthermore, based on the contents described in the above embodiments, an electronic device is also provided in an embodiment of the present application, which includes at least one processor, and a communication interface and a memory to which the processor is communicatively connected; wherein the communication interface is used to communicate with other communication devices, and the memory stores computer-executable instructions; the above at least one processor executes the computer-executable instructions stored in the memory to implement each step in the resource exchange method as described in the above embodiments.

[0185] In order to better understand the embodiments of the present application, refer to Fig. 9 , Fig. 9 A schematic diagram of the hardware structure of an electronic device provided in an embodiment of the present application.

[0186] like Fig. 9 As shown, the electronic device 900 of this embodiment includes: a processor 901, a memory 902, and a communication interface 904; wherein:

[0187] Memory 902, used to store computer-executable instructions;

[0188] The communication interface 904 is used to communicate with other communication devices;

[0189] The processor 901 is used to execute the computer-executable instructions stored in the memory to implement the various steps in the query optimization method described in the above embodiment.

[0190] Optionally, the memory 902 may be independent or integrated with the processor 901 .

[0191] When the memory 902 is independently provided, the device further includes a bus 903 for connecting the memory 902 , the communication interface 904 and the processor 901 .

[0192] An embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, each step of the resource exchange method described in the above embodiment is implemented.

[0193] An embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, the various steps in the resource exchange method for reduction or exemption described in the above embodiment are implemented.

[0194] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0195] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0196] In addition, each functional module in each embodiment of the present application can be integrated into one processing unit, or each module can exist physically separately, or two or more modules can be integrated into one unit. The above-mentioned module-composed unit can be implemented in the form of hardware or in the form of hardware plus software functional units.

[0197] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0198] It should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor, etc. The steps of the method disclosed in the application may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0199] The memory may include high-speed memory, and may also include non-volatile storage, such as at least one disk memory, and may also be a USB flash drive, a mobile hard disk, a read-only memory, a magnetic disk or an optical disk, etc.

[0200] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0201] The storage medium may be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory, electrically erasable programmable read-only memory, erasable programmable read-only memory, programmable read-only memory, read-only memory, magnetic memory, flash memory, magnetic disk or optical disk. The storage medium may be any available medium that can be accessed by a general or special purpose computer.

[0202] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for exchanging reduced resources, characterized in that: include: Determine a first reduction resource required for a product, a first account for purchasing the product, and a first identification level where the first reduction resource is located; Determine, according to the account identifier of the first account, an identity identifier of a user associated with the first account, and determine, according to the identity identifier, each second exemption resource held by the user at the first identification level; Determine an exchange ratio of each of the second exempted resources to the first exempted resources, and determine a first ratio among the exchange ratios, where the first ratio is used to indicate an exchange ratio that is less than a preset threshold; The second exemption resources corresponding to the first ratio are exchanged into the first exemption resources.

2. The method according to claim 1, characterized in that The exchanging the second exemption resources corresponding to the first ratio into the first exemption resources includes: Determine and select a first resource value of the first exempted resource and a current second resource value of a third exempted resource, wherein the third exempted resource is used to indicate a second exempted resource corresponding to the first ratio; Determine, according to the second resource value and the first ratio, a maximum resource value for exchanging the third exempted resource for the first exempted resource; In response to the maximum resource value being greater than or equal to the first resource value, a target resource value is determined according to the first ratio and the first resource value, and the third reduced resource of the target resource value is exchanged for the first reduced resource of the first resource value.

3. The method according to claim 2, characterized in that After determining the maximum resource value of the third exempted resource to be exchanged for the first exempted resource according to the second resource value and the first ratio, the method further includes: In response to the maximum resource value being less than the first resource value, determining, according to the first ratio, that a third exempted resource of the maximum resource value is exchanged into a third resource value of the first exempted resource; Determining a second ratio among the exchange ratios, wherein the first ratio is the smallest exchange ratio, the second ratio is greater than the first ratio, and the second ratio is less than a preset threshold; The third exempted resource is exchanged for a first exempted resource of the third resource value, and the second exempted resource corresponding to the second ratio is exchanged for a first exempted resource of a fourth resource value according to the second ratio, and the sum of the fourth resource value and the third resource value is the first resource value.

4. The method according to claim 1, characterized in that The determining of the first ratio among the exchange ratios includes: Among the exchange ratios, determining an exchange ratio that is less than a preset threshold as a target ratio; Determine a value parameter associated with a second exemption resource corresponding to the target ratio; The target ratio corresponding to the value parameter that is less than the preset value is determined as the first ratio.

5. The method according to claim 1, characterized in that The determining of the first ratio among the exchange ratios includes: Among the exchange ratios, determining an exchange ratio that is less than a preset threshold as a target ratio; Determine the remaining usage time associated with the second exemption resource corresponding to the target ratio; The target ratio corresponding to the remaining usage time that is less than the preset time is determined as the first ratio.

6. The method according to claim 1, characterized in that The determining of the first ratio among the exchange ratios includes: Obtain the historical usage record of the exempted resources of the user; Determine the user's usage pattern of various types of exempted resources based on the historical usage records; According to the usage rule, determining a target reduction resource to be exchanged from each of the second reduction resources; Among the exchange ratios of each of the target reduction resources, a first ratio is determined.

7. The method according to claim 1, characterized in that The determining, according to the account identifier of the first account, the identity identifier of the user associated with the first account includes: Determine a second identification level at which the account identification of the first account is located; The identifier associated with the parent level of the second identifier level is determined as the identity identifier of the user associated with the first account.

8. The method according to any one of claims 1 to 7, characterized in that Before determining the first exemption resource required for the product, the first account for purchasing the product, and the first identification level where the first exemption resource is located, the method further includes: Determine the second account of the user in each institution according to the identity identifier of the user; Constructing a multi-layer identification structure according to the user identification, the organization, the second account number and the second exemption resource; Among them, the level of the user identifier in the multi-layer identifier structure is the parent level, the third identifier level of the organization identifier corresponding to the organization in the multi-layer identifier structure is a sub-level of the parent level, the second identifier level of the account identifier of the second account in the multi-layer identifier structure is a sub-level of the third identifier level, and the first identifier level of the second exemption resource in the multi-layer identifier structure is a sub-level of the second identifier level.

9. A resource exchange device, characterized in that: include: A first determination module, used to determine a first reduction resource required for a product, a first account for purchasing the product, and a first identification level where the first reduction resource is located; A second determination module, configured to determine an identity identifier of a user associated with the first account according to the account identifier of the first account, and determine each second exemption resource held by the user at the first identification level according to the identity identifier; A third determination module, used to determine an exchange ratio of each of the second exempted resources to the first exempted resources, and determine a first ratio among the exchange ratios, where the first ratio is used to indicate an exchange ratio greater than a preset threshold; The exchange module is used to exchange the second exemption resources corresponding to the first ratio into the first exemption resources.

10. An electronic device, characterized in that: include: A processor, and a memory and a communication interface communicatively connected to the processor; The communication interface is used to communicate with other communication devices; The memory is used to store computer-executable instructions; The processor is used to execute the computer-executable instructions stored in the memory to implement the resource reduction and exemption exchange method as described in any one of claims 1-8.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, the method for exchanging reduced or exempted resources as described in any one of claims 1 to 8 is implemented.

12. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method for exchanging reduced or exempted resources as described in any one of claims 1 to 8 is implemented.

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