Resource exchange reduction method and device, electronic equipment, medium and program product

Abstract

The application provides a resource discounting method and device, electronic equipment, medium and program product, which can be used in the field of data processing. The method comprises the following steps: determining a first discount resource required by a commodity, a first account for purchasing the commodity, and a first identification level where the first discount resource is located; determining an identity identifier of a user associated with the first account according to an account identifier of the first account, and determining each second discount resource held by the user at the first identification level according to the identity identifier; determining a conversion ratio of each second discount resource into the first discount resource, and determining a first ratio in each conversion ratio, wherein the first ratio is used to indicate a conversion ratio less than a preset threshold; and converting the second discount resource corresponding to the first ratio into the first discount resource. In the application, the retention effect of the discount resource on the user 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] To boost sales, various trading platforms offer discount vouchers, coupons, points, instant discount coupons, and other incentives, allowing users to deduct part or all of the purchase price. When users purchase goods online, they often register accounts on multiple trading platforms, resulting in the accumulation of discounts from multiple platforms.

[0004] However, when a user sets his sights on 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, making it impossible for the user to deduct the amount when purchasing the product. In addition, the exemption resources distributed by other trading platforms held by the user are not used, resulting in the trading platform where the purchased product is located not attracting 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 exemption resources have a low effect on improving user retention rate. 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 exempted resources have a low effect on improving user retention rate.

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

[0007] 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;

[0008] Determining, based on the account identifier of the first account, an identity identifier of a user associated with the first account, and determining, based on the identity identifier, each second reduction or exemption resource held by the user at the first identification level;

[0009] Determining an exchange ratio for each of the second exempted resources to be exchanged for the first exempted resources, and determining 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 for 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, where the third exempted resource is used to indicate a second exempted resource corresponding to the first ratio;

[0013] Determine, based on the second resource value and the first ratio, a maximum resource value for converting the third exempted resource into 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 based on 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, to exchange a third reduced resource of the maximum resource value into a third resource value of the first reduced 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 rates, determining an exchange rate that is less than a preset threshold as a target rate;

[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 rates, determining an exchange rate that is less than a preset threshold as a target rate;

[0025] Determining the remaining usage time associated with the second reduced 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 user's exempted resources;

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

[0030] Determining a target reduction resource to be exchanged from each of the second reduction resources according to the usage pattern;

[0031] Among the exchange ratios 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 based on the account identifier of the first account includes:

[0033] Determining 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] Determining 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 identifier, 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 identification 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 identification level of the account identifier of the second account in the multi-layer identifier structure is a sub-level of the third identification level, and the first identification level of the second exemption resource in the multi-layer identifier structure is a sub-level of the second identification level.

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

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

[0041] a second determining module, configured to determine an identity identifier of a user associated with the first account based on the account identifier of the first account, and determine, based on the identity identifier, each second reduction or exemption resource held by the user at the first identification level;

[0042] a third determining module, configured to determine an exchange ratio for exchanging each of the second reduced or exempted resources for the first reduced or exempted resources, and to determine a first ratio among the exchange ratios, where 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, which stores computer-executable instructions. 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 identifier of the user associated with the account through the account identifier of the account, determine the second reduced resource held by the user at the identification level based on the identity identifier, and determine the exchange ratio for each second reduced resource to the first reduced resource, so as to determine a first ratio that is less than a preset threshold among each exchange ratio, thereby exchanging the second reduced resource corresponding to the first ratio for the first reduced resource. In this application, 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 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 exchange is less than the preset threshold, so that the user can exchange the required first exemption resources with fewer 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 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 This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 1 ;

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

[0054] Figure 3 This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 2 ;

[0055] Figure 4 This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 3 ;

[0056] Figure 5 This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 4 ;

[0057] Figure 6This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 5 ;

[0058] Figure 7 This is a schematic diagram of the steps of the resource exchange method for this application embodiment. Figure 6 ;

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

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

[0061] The above drawings illustrate specific embodiments of the present application, which will be described in more detail below. These drawings and the textual description are not intended to limit the scope of the present application in any way, but rather to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0062] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions 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, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application. In addition, although the disclosure in this 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 descriptions of terms in this application are only for the purpose of facilitating the understanding of the embodiments described below, and are not intended to limit the embodiments of this application. Unless otherwise specified, these terms should be understood according to their ordinary and usual meanings.

[0064] In addition, the terms "comprises" and "comprising" 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 product or device.

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

[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] To boost sales, various trading platforms offer discount vouchers, coupons, points, instant discount coupons, and other incentives, allowing users to deduct part or all of the purchase price. When users purchase goods online, they often register accounts on multiple trading platforms, resulting in the accumulation of discounts from multiple 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 distributed exemption resources. In other words, the exemption resources have 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 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 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 exchange is less than the preset threshold, so that the user can exchange the required first exemption resource with fewer holding exemption resources, that is, on the premise of ensuring the user's preferential rights and interests, it achieves the effect of improving the user retention rate of exemption resources and improves the user experience.

[0071] The following embodiments describe the technical solutions of the present application in detail. 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 repeated in different embodiments.

[0072] Reference Figure 1 , Figure 1 Schematic diagram of the process of the resource exchange method for reduction and exemption provided in the embodiment of this application Figure 1 , the methods for 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 entity is the resource exchange device for reductions and exemptions. For ease of description, the term "device" will be used to refer to the resource exchange device for reductions and exemptions. The device can be a server, a terminal device with the resource exchange function for reductions and exemptions, 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. This reduction resource is the first reduction resource required for the product. The first reduction resource can be points, discount coupons, instant discount coupons, exchange coupons, etc. For example, a user clicks on the reduction resources available for a product in the display interface of a transaction application running on a terminal device. The terminal device displays the types of reduction resources available for purchasing 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. 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 deduction resource required for the product, the device determines the account used to purchase the product. This account is defined as the first account. For example, if a user purchases a product using a card base from financial institution 1 (the card base refers to the physical card), the account associated with the card base at financial institution 1 is the first account. For another example, if a user purchases a product online using an electronic account, the account associated with the electronic account is the first account. For another example, if a user purchases a product using a shopping card issued by company A, the account associated with the shopping card is the first account.

[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 organization identification of the organization where the user's account is located is the second-layer identification, and the second-layer level is a sub-level of the first-layer identification level; the account identification corresponding to the user's account in the institution is the third-layer identification, and the third-layer level 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 exemption resource required for the product, it is necessary to build 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 builds a multi-layer identification structure based on the user identifier, institution, second account, and each second exemption resource held by the user, wherein the user identifier in the multi-layer identification structure is the parent hierarchy, the institution identifier corresponding to the institution in the third identification hierarchy in the multi-layer identification structure is a child of the parent hierarchy, the account identifier of the second account in the second identification hierarchy in the multi-layer identification structure is a child of the third identification hierarchy, and the first identification hierarchy of the second exemption resource in the multi-layer identification structure is a child of the second identification hierarchy. Reference Figure 2 , the user's identity is used as the parent level identifier, that is, the parent token (identifier), and the organization identifier of each organization is the first-level child token, for example Figure 2In the example, financial institution 1 and industry institution 2 are created. 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, the 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 a 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 member 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 organizations, 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, to an identification structure with more than five layers.

[0081] It should be noted that after an institution 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 institutions 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 identification 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 identity hierarchy of the account identifier of the first account, which is defined as the second identity hierarchy. The second identity hierarchy is the level of the account identifier of the first account in the multi-layer identity structure. The device uses the identifier associated with the parent level of the second identity hierarchy as the identity identifier of the user associated with the first account. The identifier 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 a multi-layer identification structure with the identity identifier as the parent token. The first identification level is a third-level sub-token in the multi-layer identification structure. When a user holds a 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 for exchanging each second reduced resource into the first reduced resource, and determining 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.

[0088] After determining each second-reduction resource, the device needs to determine the exchange ratio between the second-reduction resource and the first-reduction 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-reduction resource and a first-reduction resource is 1:3, then the ratio corresponding to the exchange ratio is 1 / 3; if the exchange ratio between another second-reduction resource and the first-reduction 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 better rights and interests of the user, the device uses fewer second-reduction resources to exchange for more first-reduction resources. To this end, the device obtains the exchange ratio between each second-reduction resource and the first-reduction resource.

[0089] In one example, different types of discount resources have different exchange ratios. Therefore, the exchange ratio of the second discount resource to the first discount resource can be determined based on the type of the second discount resource and the type of the first discount 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. If the second discount resource is points and the first discount resource required for the product is a discount coupon, the exchange ratio is 1:3.

[0090] In another example, the exchange ratio between the reduced resources varies based on the organization. For example, the exchange ratio between the reduced resources of organization 1 and organization 2 is 1:2, and different reduced resources within the same organization are exchanged at equal value. The device stores the exchange ratio between the reduced resources of different organizations. The device determines a first organization that distributes a first reduced resource and a second organization that distributes a second reduced resource, and then determines the exchange ratio between the second reduced resource and the first reduced resource based on the first organization and the second organization, that is, obtains the stored exchange ratio between the first organization and the second organization.

[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, which can be any suitable value, such as 1:1. The second reduced resource corresponding to the first ratio is exchanged for the first reduced resource, thereby achieving the goal of using fewer second reduced resources to exchange for more first reduced resources. Furthermore, 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, using the least second reduced resource to exchange for more first reduced 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 an instant discount coupon. After the instant discount coupon is exchanged for points, a points certificate needs to be generated, and the points certificate can be used to deduct the product; and when the instant discount coupon is exchanged for points, the instant discount coupon certificate corresponding to the instant discount coupon needs to be deleted to prevent the instant discount coupon from being used twice.

[0095] In this embodiment, through the mutual exchange of exemption resources, the operating 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 advantage of the device being cross-institutional, explore the networking and universality of preferential rights and interests of different institutions, and even institutions in different industries, and promote cooperation and collaboration 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 for each second exemption resource to the first exemption resource is determined, so as to determine a first ratio that is less than a preset threshold among each exchange ratio, 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 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 exchange is less than the preset threshold, so that the user can exchange the required first exemption resources with fewer 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 user retention rate and improve user experience.

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

[0098] Step S301: Determine the first resource value of the selected first exempted resource and the current second resource value of the third exempted resource, where the third exempted resource is used to indicate the second exempted resource corresponding to the 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 using a resource value, such as a deduction value. For example, the resource value of an instant discount coupon is a 5 yuan deduction; a discount coupon is a 98% discount on a 1,000 yuan product, so the resource value of the discount coupon is 20 yuan; if the points are 200 and 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, if the maximum discount for the product selected by the user is 10 yuan, 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 a second resource value. For example, if the third exemption resource is points and the current value of the points is 100,000, the second resource value converted to 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 at which the third exempted resource can be exchanged based on the second resource value and the first ratio.

[0102] The device determines the maximum resource value that can be exchanged for the first reduced 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 reduced resource can be exchanged for a maximum of 300 first reduced 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 a 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 reduced resource is sufficient to exchange for the first reduced resource required for the product. Therefore, based on the first ratio and the first resource value, the target resource value is determined, and the third reduced resource of the target resource value is exchanged for the first reduced resource of the first resource value. For example, if 100 first reduced resources need to be exchanged and the first ratio is 1:4, the target resource value is 25, which means that 25 third reduced resources are exchanged for 100 first reduced resources.

[0105] In this embodiment, the apparatus 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 for 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, the third reduced resource of the maximum resource value is exchanged for the third resource value of the first reduced resource according to a first ratio.

[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 combine other exemption resources held by the user to exchange for the first exemption resource.

[0109] To this end, the device first determines, based on the first ratio, how much the third-reduction resource with the maximum resource value can be exchanged for the third-reduction resource of the first-reduction resource. For example, if 100 first-reduction resources need to be exchanged, the exchange ratio between the third-reduction resource and the first-reduction resource is 1:4. However, the second-resource value of the third-reduction resource is only 20. Therefore, the third-reduction resource can be exchanged for a maximum of 80 first-reduction resources, which is the third-reduction resource value of the first-reduction resource.

[0110] Step S402: determining a second ratio among the exchange ratios, wherein the first ratio is the minimum 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 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.

[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 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, 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: exchange the third exempted resource into the first exempted resource of the third resource value, and exchange the second exempted resource corresponding to the second ratio into the first exempted resource of the target resource value according to the second ratio. 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 being 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 being 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 resources based on multiple second reduced resources to ensure that the first reduced resources required for the product can be exchanged.

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

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

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

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

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

[0121] The device obtains descriptive information corresponding to each second exemption resource and determines a value parameter for the second exemption resource based on the descriptive information. For example, if the descriptive information indicates that the value of the goods that can be exempted by the second exemption resource is less than 10,000 yuan, the value parameter is 10,000 yuan. The device associates and stores the value parameter with the second exemption resource. After determining the target ratio, the device then 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 the smaller value parameter to exchange for the first exemption resource, reserving the second exemption resource with the larger value parameter for deductions on higher-value goods. To this end, the device uses the target ratio corresponding to the value parameter smaller than the preset value as the first ratio, i.e., using the second exemption resource with the 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 deduct goods worth less than 10,000 yuan, and the second exemption resource of 1:2 can be used to deduct goods worth less than 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 for exchanging resources for this application Figure 5 ,based on Figures 1 to 4 In any of the embodiments shown in FIG, step S203 includes:

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

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

[0129] Step S602: determining the remaining usage time associated with the second reduced 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] To this end, the device obtains description information of the second reduced resource, and can determine the remaining duration of the second reduced resource from the description information. After determining the target ratio, the device determines the remaining usage duration associated with the second reduced resource corresponding to the target ratio.

[0132] Step S603 : determining 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 that is 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 reduced resource of 1:3 is 3 days, and the remaining usage time of the second reduced resource of 1:2 is 23 hours. If the preset time is 1 day, the second reduced resource of 1:2 is used to exchange for the first reduced 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 reduced resource with a shorter remaining usage time to exchange for the first reduced resource, thereby avoiding waste of the second reduced resource held by the user.

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

[0137] Step S701: Obtain the user's historical usage records of reduced or exempted resources.

[0138] Step S702: Determine 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 discount resources used by the user based on historical usage records and determines the user's preferred discount resources as a usage pattern. For example, a user may have used instant discount coupons 50 times, points 10 times, and discount coupons once. The number of times the user used instant discount coupons far exceeded the number of times they used points and discount coupons, indicating that the user prefers to use instant discount coupons.

[0141] In another example, the device searches for patterns in the time when a user uses discounted resources based on historical usage records. For example, the user habitually uses instant discount coupons to deduct goods from account 1 of institution 1 every Thursday, and the user habitually uses points to deduct goods from 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 pattern is a user's preferred reduction resource. The preferred reduction resource type is a preset type, and the device uses a second reduction resource that is not of the preset type as the target reduction resource. For example, the user prefers to use points for product discounts, so the user's points should not be exchanged for the first reduction resource. Instead, the user's instant discount coupons or discount coupons can be used as the target reduction resource.

[0145] In another example, the usage pattern is a time pattern of the user's use of 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 pattern, and uses the non-target type of the second reduced resource as the target reduced resource. For example, if 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 from Account 3 of Institution 2, points from Account 5 of Institution 4, and instant discount coupons from Account 1 of Institution 1, the discount coupons or points can be used as the target reduced resource to redeem the first reduced resource.

[0146] Step S704: Determine a first ratio among the exchange ratios of the 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] Further, Figure 5 as well as Figure 6 In the embodiment shown, the various exchange ratios used to determine 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 determines the target reduction resources using this embodiment, 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 user's usage patterns of various reduced resources, thereby improving the user experience.

[0150] Based on the content described in the above embodiment, this application embodiment also provides a resource exchange device for reduction and exemption, referring to Figure 8 , Figure 8 Schematic diagram of program modules of a resource exchange device for reduction or exemption provided in an embodiment of the present application. In some embodiments, the resource exchange device for reduction or exemption 800 includes:

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

[0152] A second determining module 820 is configured to determine the identity identifier of the user associated with the first account based on the account identifier of the first account, and determine each second reduction or exemption resource held by the user at the first identification level based on the identity identifier;

[0153] A third determining module 930 is configured to determine an exchange ratio for each second reduced resource to be exchanged for the first reduced resource, and determine a first ratio among the exchange ratios, where the first ratio indicates an exchange ratio greater than a preset threshold;

[0154] The exchange module 840 is configured to exchange the second reduced or exempted resources corresponding to the first ratio into the first reduced or exempted resources.

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

[0156] Determine a first resource value of the selected first exempted resource and a current second resource value of the third exempted resource, where the third exempted resource is used to indicate the second exempted resource corresponding to the first proportion;

[0157] Determine the maximum resource value of the third exempted resource to be exchanged for the first exempted resource based on 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 the third reduced resource of the target resource value is exchanged for the first reduced resource of the first resource value.

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

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

[0164] Among the various exchange rates, determining an exchange rate that is less than a preset threshold as a target rate;

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

[0166] The target ratio corresponding to the value parameter that is smaller 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 to:

[0168] Among the various exchange rates, determining an exchange rate that is less than a preset threshold as a target rate;

[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 to:

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

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

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

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

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

[0177] Determine the second identification level where 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 to:

[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 identification level in the multi-layer identification structure is the parent level, the organization identification corresponding to the organization is at the third identification level in the multi-layer identification structure, which is a child level of the parent level, the account identification of the second account is at the second identification level in the multi-layer identification structure, which is a child level of the third identification level, and the first identification level of the second exemption resource is at the second identification level in the multi-layer identification structure, which is a child level of the second identification 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 described in detail 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-mentioned at least one processor executes the computer-executable instructions stored in the memory to implement the various steps in the resource reduction and exemption exchange method as described in the above embodiments.

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

[0186] like Figure 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, for storing computer-executable instructions;

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

[0189] The processor 901 is configured to execute computer-executable instructions stored in the memory to implement the various steps of 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, which stores computer-executable instructions. When a processor executes the computer-executable instructions, the various steps in the resource exchange method described in the above embodiment are 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 computer program implements the various steps in the resource exchange method described in the above embodiment.

[0194] In the several embodiments provided in this 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 merely illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or module, which can be electrical, mechanical or other forms.

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

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

[0197] The above-mentioned integrated module implemented in the form of a software functional module can be stored in a computer-readable storage medium. The above-mentioned software functional module is stored in a storage medium and includes a number of instructions for causing a computer device (which can be a personal computer, server, or 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), 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. The steps of the method disclosed in the application may be directly implemented by a hardware processor or implemented 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.

[0200] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus. Buses can be classified into address buses, data buses, and control buses. For ease of illustration, the buses in the drawings of this application are not limited to just one bus or just one type of bus.

[0201] The storage medium may be implemented by any type of volatile or non-volatile memory 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 storage, flash memory, magnetic disk, or optical disk. The storage medium may be any available medium that can be accessed by a general-purpose 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 them. 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 make equivalent replacements for some or all of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for exchanging reduced or exempted resources, characterized in that: include: 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; Determining, based on the account identifier of the first account, an identity identifier of a user associated with the first account, and determining, based on the identity identifier, each second reduction or exemption resource held by the user at the first identification level; Determining an exchange ratio for each of the second reduced resources to be exchanged for the first reduced resources, and determining 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; exchanging the second exemption resources corresponding to the first ratio into the first exemption resources; 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: Determining the second account of the user in each institution according to the identity identifier of the user; Building a multi-layer identification structure based on the user's identity, the organization, the second account, and the second exemption resource; Among them, the user's identity identification is at the parent level in the multi-layer identification structure, the third identification level of the organization identification corresponding to the organization in the multi-layer identification structure is a sub-level of the parent level, the second identification level of the account identification of the second account in the multi-layer identification structure is a sub-level of the third identification level, and the first identification level of the second exemption resource in the multi-layer identification structure is a sub-level of the second identification level.

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, where the third exempted resource is used to indicate a second exempted resource corresponding to the first ratio; Determine, based on the second resource value and the first ratio, a maximum resource value for converting the third exempted resource into 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 based on 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, to exchange a third reduced resource of the maximum resource value into a third resource value of the first reduced 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, wherein Determining the first ratio among the exchange ratios includes: Among the exchange rates, determining an exchange rate that is less than a preset threshold as a target rate; 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, wherein Determining the first ratio among the exchange ratios includes: Among the exchange rates, determining an exchange rate that is less than a preset threshold as a target rate; Determining the remaining usage time associated with the second reduced 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 Determining the first ratio among the exchange ratios includes: Obtain the historical usage record of the user's exempted resources; Determining the user's usage patterns of various types of exempted resources based on the historical usage records; Determining a target reduction resource to be exchanged from each of the second reduction resources according to the usage pattern; Among the exchange ratios of the target reduction resources, a first ratio is determined.

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

8. A resource exchange device for reduction or exemption, characterized in that: include: A first determination module is configured to determine the second account of the user in each institution based on the user's identity identifier; construct a multi-layer identification structure based on the user's identity identifier, the institution, the second account and the second exemption resource; and determine the first exemption resource required for the product, the first account for purchasing the product and the first identification level at which the first exemption resource is located; wherein the level of the user's identity identifier in the multi-layer identification structure is the parent level, the third identification level of the institution identifier corresponding to the institution in the multi-layer identification structure is the child level of the parent level, the second identification level of the account identifier of the second account in the multi-layer identification structure is the child level of the third identification level, and the first identification level of the second exemption resource in the multi-layer identification structure is the child level of the second identification level; a second determining module, configured to determine an identity identifier of a user associated with the first account based on the account identifier of the first account, and determine, based on the identity identifier, each second reduction or exemption resource held by the user at the first identification level; a third determining module, configured to determine an exchange ratio for exchanging each of the second reduced resources for the first reduced 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 exchange module is used to exchange the second exemption resources corresponding to the first ratio into the first exemption resources.

9. 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 1-7.

10. 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 the processor, the resource reduction and exemption exchange method according to any one of claims 1 to 7 is implemented.

11. 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 7 is implemented.

Images