Recommendation method and device for virtual resources, equipment and storage medium

Abstract

The invention provides a recommendation method and device for virtual resources, equipment and a storage medium, which are used for solving the problems of relatively low recommendation accuracy and the like in a recommendation process for the virtual resources. The method at least comprises the following steps: when a resource use request from a target account is received, obtaining various resource types of virtual resources authorized to be used in the target account; for each resource type, respectively executing the following steps: selecting a plurality of candidate exchange proportions between the resource type and the target type from candidate exchange proportions between every two preset types of virtual resources as reference exchange proportions, and obtaining a proportion change amplitude based on the obtained reference exchange proportions; wherein each candidate exchange proportion corresponds to one historical exchange time; and based on the respective proportion change amplitude of each resource type, obtaining a recommendation result for the virtual resources. Through the exchange proportion between the resource type and the target type, the change condition of the resource value is reflected, and the recommendation accuracy is improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of computers, and in particular, to a recommendation method and device for virtual resources, an equipment and a storage medium. BACKGROUND

[0002] With the advancement of globalization and the emergence of various emerging operation modes, more and more client or server devices are installed with resource usage systems (such as electronic payment systems), and virtual resources can be consumed through the resource usage systems to obtain various objects to be obtained (such as physical goods, virtual goods, services, etc.).

[0003] For example, in a payment software, a large number of object providers can be accessed, and a large number of usage accounts can be registered. Each usage account can transfer at least one electronic currency of a currency type, and various objects to be obtained provided by the object providers can be obtained by consuming the electronic currency in the payment software.

[0004] Since the virtual resources are various in resource types, multiple resource types can be authorized to be used in the usage account, and the object providers can also use virtual resources of different resource types to mark the value of the objects. Therefore, for the objects to be obtained selected by the usage account, the device can recommend the multiple resource types authorized to be used in the usage account to assist the usage account to quickly select a resource type to use the virtual resources.

[0005] In related technologies, the recommendation method for virtual resources is generally as follows: determining the usage frequency of each of the multiple resource types authorized to be used in the usage account, and generating a recommendation result of the multiple resource types based on the order from high to low of the usage frequency.

[0006] However, the resource value of the virtual resources of different resource types can change over time. If the usage recommendation is performed on the multiple resource types according to the usage frequency, the same recommendation result will be maintained even if the resource value changes. This can cause the usage account to consume more virtual resources than the value of the objects to obtain the objects to be obtained, resulting in a loss of virtual resources for the usage account.

[0007] It can be seen that the recommendation accuracy in the recommendation process for virtual resources in related technologies is low. SUMMARY

[0008] Embodiments of the present application provide a recommendation method, device, equipment and storage medium for virtual resources, which are used to solve the problem of low recommendation accuracy in the recommendation process for virtual resources in related technologies.

[0009] In a first aspect, a recommendation method for virtual resources is provided, comprising: receiving a resource usage request from a target account; wherein the resource usage request at least contains an object value set by a target type of virtual resource to be exchanged by an object; obtaining each resource type of virtual resource authorized to be used in the target account; for each resource type, performing the following operations respectively: selecting multiple candidate exchange ratios between the resource type and the target type from preset candidate exchange ratios between each two preset types of virtual resource, taking the multiple candidate exchange ratios as reference exchange ratios, and determining a ratio change range of the resource type based on the obtained reference exchange ratios; wherein each candidate exchange ratio corresponds to a historical exchange time; generating a recommendation result for virtual resource based on the respective ratio change ranges of the resource types.

[0010] In a second aspect, a recommendation device for virtual resource is provided, comprising: a transceiving module configured to receive a resource usage request from a target account; wherein the resource usage request at least contains an object value set by a target type of virtual resource to be exchanged by an object; a processing module configured to obtain each resource type of virtual resource authorized to be used in the target account; The processing module is further configured to, for each resource type, perform the following operations respectively: selecting multiple candidate exchange ratios between the resource type and the target type from preset candidate exchange ratios between each two preset types of virtual resource, taking the multiple candidate exchange ratios as reference exchange ratios, and determining a ratio change range of the resource type based on the obtained reference exchange ratios; wherein each candidate exchange ratio corresponds to a historical exchange time. The processing module is further configured to generate a recommendation result for virtual resource based on the respective ratio change ranges of the resource types.

[0011] Optionally, the processing module is further configured to: before selecting multiple candidate exchange ratios between the resource type and the target type from preset candidate exchange ratios between each two preset types of virtual resource, taking the multiple candidate exchange ratios as reference exchange ratios, sending a ratio subscription message to a preset asset management device; wherein the ratio subscription message is used to instruct to continuously return at least one real-time exchange ratio; each real-time exchange ratio represents an exchange ratio between a preset type of virtual resource and another preset type of virtual resource at a current time; taking continuously received real-time exchange ratios as candidate exchange ratios to obtain preset candidate exchange ratios between each two preset types of virtual resource.

[0012] Optionally, when sending the proportion subscription message to the plurality of asset management devices, the processing module is specifically configured to: For each of the two preset categories, the following is performed: Upon receiving the real-time exchange proportions returned by the plurality of asset management devices respectively for the two preset categories, it is determined whether the real-time exchange proportions for the two preset categories match; When the real-time exchange proportions match, one of the real-time exchange proportions is taken as a candidate exchange proportion.

[0013] Optionally, the processing module is specifically configured to: Based on a preset time interval, from the candidate exchange proportions between the virtual resources of each of the two preset categories, two candidate exchange proportions between the resource category and the target category are selected as reference exchange proportions, and two reference exchange proportions are obtained; The time interval between the historical exchange times corresponding to the two reference exchange proportions is the preset time interval, and the historical exchange time corresponding to one of the two reference exchange proportions and the current time satisfy the time proximity condition.

[0014] Optionally, the processing module is specifically configured to: Based on the obtained reference exchange proportions, a proportion transformation curve is drawn; Based on the curve peaks contained in the proportion transformation curve, an average peak value is determined; Based on the curve valleys contained in the proportion transformation curve, an average valley value is determined; Based on the difference between the average peak value and the average valley value, a proportion change amplitude is determined.

[0015] Optionally, the processing module is specifically configured to: From the obtained reference exchange proportions, two reference exchange proportions with historical exchange times in different exchange periods are selected; A proportion difference between the two reference exchange proportions is determined; The reference exchange proportion with the earlier historical exchange time among the two reference exchange proportions is taken as a historical exchange proportion, and the ratio between the proportion difference and the historical exchange proportion is taken as a proportion change amplitude.

[0016] Optionally, when the obtained reference exchange proportions include at least three reference exchange proportions, the processing module is specifically configured to: According to the chronological order of the historical exchange times, the rising and falling frequencies of the obtained reference exchange proportions and the proportion differences between each two adjacent reference exchange proportions are counted; Based on the rising and falling frequencies and the obtained proportion differences, a proportion change amplitude is determined.

[0017] Optionally, the processing module is specifically configured to: sort the resource categories based on the value of the respective magnitude of the proportion change of the resource categories, to obtain a resource category sequence; generate a recommendation result for virtual resources based on the resource category sequence.

[0018] Optionally, the processing module is specifically configured to: acquire the resource amount of the virtual resources pre-stored by the target account under the resource categories; generate a recommendation result for virtual resources based on the resource category sequence, the respective magnitude of the proportion change of the resource categories, and the resource amount.

[0019] Optionally, the processing module is specifically configured to: take the candidate exchange proportion that meets the time proximity condition between the historical exchange time and the current time as the current exchange proportion, and convert the resource amount of the resource categories into the exchange amount of the virtual resources of the target category based on the current exchange proportion; for the resource categories, respectively perform: adding a recommendation mark to the resource category by using the exchange amount and the magnitude of the proportion change of the resource category; generate a recommendation result for virtual resources based on the resource category sequence and the respective recommendation mark of the resource categories.

[0020] Optionally, the processing module is further configured to: after the recommendation result for virtual resources is generated based on the resource category sequence and the respective magnitude of the proportion change and resource amount of the resource categories, receive a category selection instruction from the target account; wherein the category selection instruction is obtained in response to a selection operation triggered for the recommendation result; the category selection instruction at least contains one resource category in the resource categories; take the candidate exchange proportion that meets the time proximity condition between the historical exchange time and the current time as the current exchange proportion, and convert the resource amount of the one resource category carried by the category selection request into the exchange amount of the virtual resources of the target category based on the current exchange proportion; when the exchange amount is less than the object value, send a resource transfer-in request to the associated account of the one resource category bound to the target account; wherein the resource transfer-in request is used to request the associated account to transfer a specified amount of virtual resources of the one resource category to the target account.

[0021] In a third aspect, a computer program product is provided, comprising a computer program which, when executed by a processor, implements the method according to the first aspect.

[0022] In a fourth aspect, a computer device is provided, comprising: a memory for storing a computer program; a processor for invoking the computer program stored in the memory and executing the method according to the first aspect according to the obtained computer program.

[0023] In a fifth aspect, a computer readable storage medium is provided, which stores a computer program for causing a computer to execute the method according to the first aspect.

[0024] In the embodiments of the present application, based on the exchange ratio between each resource category authorized to be used in the target account and the target category of the object value of the object to be exchanged, the change range of the historical time, each resource category is recommended, so that each time the virtual resource is used, each resource category can be recommended based on the resource value of the resource category, thereby avoiding the case that the virtual resource exceeding the object value is consumed to exchange the object to be exchanged when the resource value changes, and helping to improve the recommendation accuracy in the recommendation process of the virtual resource.

[0025] Further, the change range of the ratio determined by the reference exchange ratio corresponding to each historical exchange time can reflect the appreciation or depreciation of one resource category compared to the target category, realize the quantification of the resource value of the virtual resource of different resource categories, so that the obtained recommendation result is more interpretable, and helps to improve the recommendation accuracy in the recommendation process of the virtual resource. BRIEF DESCRIPTION OF DRAWINGS

[0026] Figure 1A A domain diagram of the recommendation method for the virtual resource provided by the embodiments of the present application; Figure 1B A principle diagram of the recommendation method for the virtual resource under the related art; Figure 1C An application scenario of the recommendation method for the virtual resource provided by the embodiments of the present application; Figure 2 A flow diagram of the recommendation method for the virtual resource provided by the embodiments of the present application; Figure 3A A principle diagram of the recommendation method for the virtual resource provided by the embodiments of the present application; Figure 3B A principle diagram of the recommendation method for the virtual resource provided by the embodiments of the present applicationFigure Two ; Figure 4A An interactive schematic diagram illustrating a method for recommending virtual resources provided in an embodiment of this application; Figure 4B A schematic diagram three illustrating the principle of a recommendation method for virtual resources provided in an embodiment of this application; Figure 5A A schematic diagram four illustrating the principle of a recommendation method for virtual resources provided in an embodiment of this application; Figure 5B A schematic diagram five illustrating the principle of a recommendation method for virtual resources provided in an embodiment of this application; Figure 6A A schematic diagram six illustrating the principle of a recommendation method for virtual resources provided in an embodiment of this application; Figure 6B A schematic diagram seven illustrating the principle of a recommendation method for virtual resources provided in an embodiment of this application; Figure 7A A schematic diagram of the principle of the recommendation method for virtual resources provided in the embodiments of this application. Figure Eight ; Figure 7B A flowchart illustrating a method for recommending virtual resources provided in this application embodiment. Figure Two ; Figure 8 A schematic diagram of a recommendation device for virtual resources provided in an embodiment of this application; Figure 9 A schematic diagram of the structure of a recommendation device for virtual resources provided in this application embodiment. Figure Two . Detailed Implementation

[0027] To make the objectives, technical solutions, and advantages of the embodiments of this application clearer, the technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings.

[0028] The following explanations of some terms used in the embodiments of this application are provided to facilitate understanding by those skilled in the art.

[0029] (1) Financial Information Exchange Protocol (FIX): Financial Information Exchange (FIX) is an electronic communication protocol used in the financial sector. FIX aims to provide a standardized information exchange platform for financial institutions, enabling efficient and accurate transmission of various financial transaction-related information between different institutions' systems through unified message formats and communication rules.

[0030] FIX is based on text format for communication, for example, usually in the form of "tag = value". Each FIX message is composed of a message header, a message body and a message trailer. The message header contains the sender, the receiver, the message sequence number and other identification information; the message body carries specific business data, such as order details, transaction information, etc.; the message trailer generally has a checksum field, etc., for verifying the integrity of the message.

[0031] (2) Exchange rate: The exchange rate is the "price" when one currency is exchanged for another currency, and is essentially a comparison of the purchasing power of two currencies, and is a bridge for transactions between different geographical locations. The exchange rate is not fixed and will change over time with changes in supply and demand.

[0032] The fair exchange rate is the latest exchange rate price transacted on the foreign exchange market, which is published by a few designated financial institutions, and can be observed and used as a reference by other financial institutions.

[0033] The streaming exchange rate is the latest exchange rate information actively pushed to the account through the Financial Information Exchange Protocol (FIX). Compared to the traditional account inquiry method of the exchange rate provider, the streaming exchange rate is more frequent, timely, and has a large amount of data.

[0034] It should be noted that in the embodiments of the present application, the operation of obtaining the request or the exchange ratio and the like data needs to obtain the user's permission or consent when the embodiments of the present application are applied to specific products or technologies, and the collection, use and processing of related data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0035] In the embodiments of the present application, the term "module" or "unit" refers to a computer program or a part of a computer program with a predetermined function, and works together with other related parts to achieve a predetermined target, and can be implemented entirely or partially by using software, hardware (such as a processing circuit or a memory) or a combination thereof. Similarly, one processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be a part of an overall module or unit that includes the functions of the module or unit.

[0036] The application field of the recommendation method for virtual resources provided by the embodiments of the present application will be briefly introduced below.

[0037] With the advancement of globalization and the emergence of various emerging business models, in order to solve the problem of long waiting period and high service charge of cross-border payment of financial institutions, more and more client or server devices are installed with resource usage systems (such as electronic payment systems), which can consume virtual resources to obtain various objects to be obtained (such as physical goods, virtual goods, services, etc.).

[0038] The following examples illustrate resource usage systems in several fields; other fields will not be listed here.

[0039] I. Online Shopping Platforms

[0040] Online shopping platforms can connect to numerous suppliers offering a variety of items (such as clothing, backpacks, and game skins); they can also register numerous user accounts to transfer in at least one currency. With the significant increase in demand for cross-border payments, integrating multiple geographically specific local e-wallets enables multi-currency storage, real-time currency exchange, and fast withdrawals, thereby reducing transaction costs and improving capital flow efficiency. Each user account can then use e-currency on the online shopping platform to exchange for various items offered by different suppliers.

[0041] II. Service Platform

[0042] The service platform can connect to numerous service providers to offer various services (such as online courses, housekeeping services, remote operation services, etc.); it can also register numerous user accounts to transfer in at least one currency. Each user account can use this currency on the platform to exchange for various services offered by different service providers.

[0043] III. Game Platform

[0044] Within the gaming platform, numerous task providers can be set up to offer various tasks with different responsibilities (such as data collection, competitions, and strategy deployment). A large number of user accounts can also be registered to operate at least one virtual character with different abilities. Each user account can exchange the abilities of their virtual character within the gaming platform for the execution results of various tasks provided by the task providers.

[0045] The above are just a few examples of areas involving virtual resources; other areas will not be listed here.

[0046] Because virtual resources are diverse and have different values, and objects in different geographical locations can also be provided using different types of virtual resources to set their value, multiple types of resources can be authorized in an account to avoid the cumbersome process of exchanging virtual resources for objects in advance according to the target type of the object value.

[0047] Please refer to Figure 1AThe target account authorizes the use of three resource categories, namely currency A, currency B, and currency C. Among them, the total amount of virtual resources stored for currency A in the target account is 50 million, of which the available amount of resources that can be used within a period of time is 20 million; the total amount of virtual resources stored for currency B is 5 thousand, of which the available amount of resources that can be used within a period of time is 4 thousand; and the total amount of virtual resources stored for currency C is 10 million, of which the available amount of resources that can be used within a period of time is 500.

[0048] Then, for the selected object to be exchanged by the use account, the device can recommend the use of multiple resource categories authorized for use in the use account to assist the use account in quickly selecting a resource category to use virtual resources.

[0049] In related technologies, the method for recommending virtual resources is usually: generating a recommendation result of multiple resource categories according to a preset use order; or determining the use frequency of each of the multiple resource categories authorized for use in the use account, and generating a recommendation result of multiple resource categories based on the order from high to low of the use frequency.

[0050] Please refer to Figure 1B For example, in a payment scenario, after responding to the order submission operation triggered by the target account for the target item, the use order of currency A, currency B, and currency C of the target account is obtained. In the payment interface, the recommendation results of currency A, currency B, and currency C are presented according to the use order.

[0051] However, the resource value of virtual resources of different resource categories will change over time. If the use of multiple resource categories is recommended according to the use frequency, even if the resource value changes, the same recommendation result will still be maintained. This will cause the use account to consume virtual resources exceeding the value of the object to exchange the object to be exchanged, resulting in virtual resource loss of the use account.

[0052] It can be seen that the recommendation accuracy in the recommendation process of virtual resources in related technologies is low.

[0053] To this end, in order to solve the problem of low recommendation accuracy in the recommendation process for virtual resources in the related art, the present application provides a recommendation method for virtual resources. In the method, first, when a resource use request from a target account is received, the resource categories of the virtual resources authorized for use in the target account are obtained. The resource use request at least contains: the object value of the target category of virtual resources to be exchanged by the object. Secondly, for each resource category, the following is performed respectively: from the preset candidate exchange ratio between each two preset categories of virtual resources, multiple candidate exchange ratios between the resource category and the target category are selected as reference exchange ratios, and based on the obtained reference exchange ratios, the change amplitude of the ratio of the resource category is determined. Each candidate exchange ratio corresponds to a historical exchange time. Finally, based on the respective change amplitudes of the ratios of each resource category, a recommendation result for the virtual resources is generated.

[0054] In the embodiments of the present application, based on the change amplitude of the exchange ratio between each resource category authorized for use in the target account and the target category of the object value of the object to be exchanged, each resource category is recommended, so that each time the virtual resources are used, each resource category can be recommended based on the resource value of the resource category, thereby avoiding the case that the virtual resources exceeding the object value are consumed to exchange the object to be exchanged when the resource value changes, and helping to improve the recommendation accuracy in the recommendation process for virtual resources.

[0055] Further, the change amplitude of the ratio determined by the reference exchange ratio corresponding to each historical exchange time can reflect the appreciation or depreciation of one resource category compared to the target category, realize the quantification of the resource value of the virtual resources of different resource categories, so that the obtained recommendation result is more interpretable, and helping to improve the recommendation accuracy in the recommendation process for virtual resources.

[0056] The application scenario of the recommendation method for virtual resources provided by the present application is described below.

[0057] Please refer to Figure 1C An application scenario diagram of the recommendation method for virtual resources provided by the present application is shown. The application scenario includes a server 101 and a client 102. The server 101 and the client 102 can communicate with each other. The communication mode can be wired communication technology, such as communication through a network cable or a serial port cable; or wireless communication technology, such as Bluetooth or wireless fidelity (WIFI) technology, without limitation.

[0058] The client 102 refers to a device that can present the recommendation result, such as a terminal device, a third-party application accessible by the terminal device, a webpage accessible by the terminal device, and the like. The server 101 refers to a device that has data processing capability, such as a terminal device or a server.

[0059] The terminal device includes, but is not limited to, a mobile phone, a computer, a smart medical device, a smart home appliance, a vehicle-mounted terminal, an aircraft, and the like. The server includes, but is not limited to, a cloud server, a local server, or an associated third-party server, and the like. The client 102 and the server 101 can both use cloud computing to reduce the occupation of local computing resources, and can also use cloud storage to reduce the occupation of local storage resources.

[0060] As an embodiment, the server 101 and the client 102 can be the same device, or can be different devices, or can be different devices that share some modules, and the like, without limitation.

[0061] The client 102 generates a resource usage request when responding to the confirmation exchange operation of the target account on the to-be-exchanged object. The resource usage request carries the account identifier of the target account, the object identifier of the to-be-exchanged object, and the object value of the to-be-exchanged object set by the target category of the virtual resource. The client 102 sends the resource usage request to the server 101, and the server 101 receives the resource usage request sent by the client 102.

[0062] When the server 101 receives the resource usage request, the server 101 obtains each resource category of the virtual resource authorized to be used in the target account based on the account identifier of the target account. The server 101 determines the corresponding proportion change range of each resource category based on the plurality of reference exchange ratios between each resource category and the target category. Thus, the server 101 arranges each resource category authorized to be used in the target account in the order of the proportion change range from large to small, and obtains the recommendation result.

[0063] The server 101 sends the recommendation result to the client 102, and the client 102 receives the recommendation result sent by the server 101. The client 102 presents the recommendation result in the resource usage interface.

[0064] The following describes the recommendation method for the virtual resource provided in the embodiments of the present application. Figure 1C The recommendation method for the virtual resource provided in the embodiments of the present application can be applied to the client, the server, and the like, without limitation. In the embodiments of the present application, the recommendation method for the virtual resource is taken as an example for description.

[0065] Please refer to Figure 2 FIG. 1 is a flowchart of the recommendation method for the virtual resource provided in the embodiments of the present application.

[0066] S201, receiving a resource usage request from a target account.

[0067] The target account is an account that can use virtual resources to exchange for an object. For example, an account that has been registered in a payment software; for example, an account that has become a member of an object provider that provides an object to be exchanged; for example, an account that has been authorized to use at least one virtual resource, and the like, without limitation.

[0068] The object to be exchanged is an object selected by the target account, such as an item or service, and the like, for which it is confirmed that virtual resources are exchanged. For example, daily necessities, clothing, digital devices, housekeeping services, online courses, travel route customization services, wedding customization services, and various virtual items in games, and the like, without listing them one by one.

[0069] The virtual resource can be a resource that can be recognized as having value in a use scenario. For example, electronic money in a buying and selling scenario; for example, objects recognized as having value by both parties in a barter scenario; for example, game resources set as electronic money in a game scenario, and the like, without limitation. In the embodiments of the present application, the virtual resource is mainly taken as an example of electronic money, and other cases are not listed one by one.

[0070] The resource usage request indicates that the target account uses virtual resources to exchange for the object to be exchanged, and the object to be exchanged sets an object value using virtual resources of a target category.

[0071] The resource usage request can include an object value set by the object to be exchanged using virtual resources of a target category. For example, the amount of resources (such as 10 yuan) set for the object to be exchanged using virtual resources of a target category. Then, the resource usage request can carry the amount of resources set by the target category.

[0072] The resource usage request can also carry the object identifier of the object to be exchanged, the account identifier of the target account, the time of confirmation of exchange, the number information corresponding to this exchange, the mailing address, and the like, without limitation.

[0073] Please refer to Figure 3A , an example of a resource usage request in a network shopping platform. In the resource usage interface, there is a mailing address set by the target account to receive the object to be exchanged; there is also an object provider of the object to be exchanged; there is also an object introduction of the object to be exchanged; there is also an amount of resources set by the target category, and the like. Then, in response to the selection operation triggered by the "submit order" button, the resource usage request can be generated.

[0074] Whenever a resource usage request from a target account is received, it indicates that the target account needs to use virtual resources to obtain an object to be obtained, and the object to be obtained can be one or more objects to be obtained, and the like, which is not limited.

[0075] Then, S202 can be performed to obtain each resource type of the virtual resources authorized for use in the target account.

[0076] S202, obtaining each resource type of the virtual resources authorized for use in the target account.

[0077] Each resource type of the virtual resources authorized for use in the target account is a type of virtual resource that the target account can select to obtain an object to be obtained.

[0078] The authorized use can refer to the resource type of the virtual resources that the target account can deposit in the payment software, for example, the payment account corresponding to each resource type is bound in the payment software; it can also refer to the resource type of the virtual resources in the payment card bound by the target account in the network shopping platform; it can also refer to the resource type of the virtual resources exchanged in the game platform, and the like, which is not limited.

[0079] The target account can authorize the use of multiple resource types to adapt to rich exchange scenarios such as cross-regional scenarios.

[0080] Please refer to Figure 3B , three payment accounts are associated with the target account, and each payment account is used to handle the deposit, transfer, and the like of virtual resources of one currency; payment account A corresponds to currency A, payment account B corresponds to currency B, and payment account C corresponds to currency C. When using virtual resources, the consumption of virtual resources of one currency can be realized by selecting a payment account to obtain an object to be obtained.

[0081] S203, for each resource type, respectively: from the preset candidate exchange ratio between each two preset types of virtual resources, select multiple candidate exchange ratios between the resource type and the target type as reference exchange ratios, and determine the ratio change range of the resource type based on the obtained reference exchange ratios.

[0082] After obtaining each resource type authorized for use in the target account, the ratio change range of the exchange ratio of the resource type relative to the target type set for the object to be obtained can be determined for the virtual resources of each resource type. By the ratio change range, the change of the resource value of the virtual resources of each resource type is reflected based on the target type, which helps to obtain more accurate recommendation results by means of the ratio change range.

[0083] The exchange ratio represents: the virtual resource of one resource type of the preset resource amount, and the exchange resource amount that can be obtained when the virtual resource of another resource type is exchanged. For example, the exchange rate of currency A to currency B.

[0084] Please refer to Table 1, which is an exchange ratio table.

[0085] Table 1

[0086] Wherein, "ax" represents a resource type pair composed of a resource type with type identifier a and a resource type with type identifier x, and the first row of data indicates that the exchange ratio of the resource type pair is "7.12" generated or published externally at the ratio generation time "20xx-6-20 13:33", which means that 1 unit of currency a can be exchanged for 7.12 units of currency x from the ratio generation time "20xx-6-20 13:33". Similarly, the second row of data can indicate that 1 unit of currency a can be exchanged for 7.11 units of currency x from the ratio generation time "20xx-6-20 15:12". The third row of data can indicate that 1 unit of currency b can be exchanged for 8.2 units of currency x from the ratio generation time "20xx-6-20 11:48". The fourth row of data can indicate that 1 unit of currency c can be exchanged for 7.115.23 units of currency y from the ratio generation time "20xx-6-20 10:51".

[0087] S2031, from the candidate exchange ratio between the virtual resources of each two preset types, select multiple candidate exchange ratios between the resource type and the target type as reference exchange ratios.

[0088] The server can prestore each exchange ratio, and the exchange ratio between each two preset types of virtual resources is prestored as a candidate exchange ratio, so as to be used for determining the ratio change range in the subsequent process.

[0089] Each candidate exchange ratio can correspond to a historical exchange time, for example, the ratio generation time in Table 1. The historical exchange time represents the time when the corresponding candidate exchange ratio is calculated, the time when the corresponding candidate exchange ratio is published externally, or the time when multiple authentication parties reach a consensus on the corresponding candidate exchange ratio, and the specific implementation is not limited.

[0090] There are various methods for pre-storing the candidate exchange ratios, for example, the server can pre-store the candidate exchange ratios between each two preset kinds of virtual resources through a storage unit; for another example, the server can obtain the candidate exchange ratios between each two preset kinds of virtual resources from an asset management device associated with the server; for another example, the server can download the candidate exchange ratios between each two preset kinds of virtual resources from a network resource, and the like, which are not limited in specific.

[0091] Optionally, the following takes the example of obtaining the candidate exchange ratio from the asset management device, and other methods are not listed here.

[0092] The server can send a ratio subscription message to a preset asset management device. The ratio subscription message is used to indicate the return of at least one real-time exchange ratio, for example, a streaming exchange rate. Each real-time exchange ratio represents the exchange ratio of exchanging one preset kind of virtual resource for another preset kind of virtual resource at the current time.

[0093] The server can obtain the candidate exchange ratio between each two preset kinds of virtual resources by continuously receiving the real-time exchange ratio as the candidate exchange ratio. The time of calculating the real-time exchange ratio is the historical exchange time.

[0094] The asset management device is a device for managing virtual resource represented physical resources such as storage, expenditure, and the like, for example, an institution associated with cash and the like.

[0095] By defining the exchange ratio to the asset management device, each real-time exchange ratio can be obtained in time, and the asset management device as a device for managing various assets makes the obtained real-time exchange ratio a public and recognized exchange ratio, such as a fair exchange rate, which helps to provide the accuracy of the subsequent obtained recommendation result.

[0096] Please refer to Figure 4A for an example process of pre-storing each candidate exchange ratio.

[0097] S401, the server sends a ratio subscription message to an asset management device through a financial information exchange protocol (FIX) as a communication channel.

[0098] S402, after the asset management device receives the ratio subscription message sent by the server, the asset management device obtains a resource kind pair composed of one preset kind and another preset kind carried by the ratio subscription message.

[0099] S403, the asset management device obtains the real-time exchange ratio of the resource kind pair whenever detecting the ratio update information of the resource kind pair.

[0100] S404, the asset management device sends the obtained real-time exchange ratio to the server, and the server receives the real-time exchange ratio sent by the asset management device.

[0101] S405, the server saves the obtained real-time exchange ratio as a candidate exchange ratio.

[0102] Please refer to Figure 4B The server stores each candidate exchange ratio through a ratio database. The server sends a Transmission Control Protocol (TCP) connection request to the asset management device according to a network protocol address and a port number agreed upon by the FIX protocol. After the asset management device verifies the legality of the request (such as confirming that it is an authorized partner) in response to the TCP connection request, it agrees to establish a connection. After the connection is established, a stable "two-way data pipeline" is formed, providing underlying network support for the transmission of subsequent FIX messages.

[0103] The server sends a FIX login message (such as a Logon message, message type 35=A) to the asset management device. The login message will contain key verification information, such as a pre-agreed username, password (or encrypted key), and FIX protocol version agreed upon by both parties (such as FIX 4.4, FIX 5.0). After the asset management device verifies that these information is correct, it will reply with a login confirmation message (such as a Logon message containing a confirmation status).

[0104] The server sends a FIX business message to the asset management device as a ratio subscription message. Each FIX business message can be configured with a unique "message type code" (such as field 35) to identify its purpose, for example, to identify the real-time exchange ratio of the resource category pair. The FIX business message is transmitted in real time through the previously established TCP connection, and the asset management device parses the standardized fields (such as field 35) in the FIX business message to accurately understand the business intent and respond with the corresponding response message, such as returning the obtained real-time exchange ratio.

[0105] Whenever the server receives the real-time exchange ratio returned by the asset management device, it writes the obtained real-time exchange ratio as a candidate exchange ratio into the ratio database.

[0106] Optionally, when sending ratio subscription messages to multiple asset management devices, the obtained real-time exchange ratio can be used as a candidate exchange ratio when multiple asset management devices reach a consensus, further improving the accuracy of the obtained real-time exchange ratio, which helps to improve the accuracy of subsequent recommended results.

[0107] The following describes two preset categories as an example. Other two preset categories are similar and will not be described here.

[0108] Upon receiving the real-time exchange ratios returned by the plurality of asset management devices respectively for the two preset categories, it is determined whether the respective real-time exchange ratios for the two preset categories match. When matching, one of the respective real-time exchange ratios is taken as the candidate exchange ratio. When not matching, a retransmission request can be sent to the plurality of asset management devices respectively, so that the plurality of asset management devices respectively return the real-time exchange ratios for the two preset categories again, to avoid using the wrong real-time exchange ratio for recommendation, etc., causing abnormal situations such as incorrect recommendations.

[0109] There are various methods to determine matching, for example, when the respective real-time exchange ratios for the two preset categories are the same, it is determined to match; for example, when the error between each two real-time exchange ratios for the two preset categories is not greater than a preset error value, it is determined to match; when there are more than a preset number of real-time exchange ratios in the respective real-time exchange ratios for the two preset categories that are the same, it is determined to match, etc., without specific limitation.

[0110] For example, when the respective real-time exchange ratios for the two preset categories are both 8.2, it is determined to match; for example, when 3 of the 5 real-time exchange ratios obtained for the two preset categories are 8.2, it is determined to match, etc.

[0111] When one of the respective real-time exchange ratios is taken as the candidate exchange ratio, if the respective real-time exchange ratios are the same, one of the real-time exchange ratios can be randomly selected as the candidate exchange ratio; if there are multiple real-time exchange ratios that are the same, one of the multiple real-time exchange ratios can be selected as the candidate exchange ratio; if the error between each two real-time exchange ratios in the respective real-time exchange ratios is not greater than a preset error value, the mean value can be selected as the candidate exchange ratio, etc., without specific limitation.

[0112] Optionally, in some scenarios, the target category for setting the object value of the object to be exchanged can be limited to several of the preset categories, for example, only preset category x or preset category y can be used as the target category, then when pre-storing the candidate exchange ratio between each two preset categories of virtual resources, only the candidate exchange ratio between each preset category and preset category x, and the candidate exchange ratio between each preset category and preset category y can be pre-stored, to avoid unnecessary occupation of storage resources.

[0113] For example, all resource categories include {a, b, c, x, y}, where only {x, y} can be used as the target category, then the pre-stored candidate exchange ratio can only include candidate exchange ratios of the resource category pairs {ax, ay, bx, by, cx, cy}.

[0114] When setting the value of an object using the target type x of virtual resources, the candidate exchange ratios of the resource type pairs {ax, ay, bx, by, cx, cy} can be selected as reference exchange ratios from the candidate exchange ratios of these resource type pairs.

[0115] Optionally, when selecting a reference exchange rate, two candidate exchange rates before and after a certain time period can be chosen as reference exchange rates to reflect the changes in the exchange rate between the resource type and the target type during that time period. Thus, by observing these changes, the rise and fall of the virtual resource value corresponding to the resource type can be determined.

[0116] If the value of the virtual resource corresponding to a resource type increases during this period, it means that compared to the beginning of this period, at the end of this period, less virtual resource of that resource type can be used to exchange for the desired object. For example, at the beginning of this period, 10 units of virtual resource of currency A are required, while at the end of this period, only 8 units of virtual resource of currency A are required.

[0117] Therefore, based on a preset time interval, two candidate exchange ratios between the resource type and the target type are selected from the preset candidate exchange ratios between every two preset types of virtual resources as reference exchange ratios, thus obtaining two reference exchange ratios.

[0118] Among them, the time interval between the historical exchange times corresponding to the two reference exchange ratios is a preset time interval, and there is one of the two reference exchange ratios whose historical exchange time is close to the current time.

[0119] The "time proximity" condition restricts the relationship between the historical exchange time and the current time for one of the two reference exchange rates. Meeting the time proximity condition means that the interval between the historical exchange time and the current time is very small, and the historical exchange time can almost be considered the current time. Not meeting the time proximity condition means that the interval between the historical exchange time and the current time is relatively large, and the historical exchange time cannot be considered the current time.

[0120] Please refer to Figure 5AFor example, if the current time is June 20, 20xx, and the preset time interval is one month, then when selecting a reference exchange ratio for resource type 'a' and target type 'x', the latest candidate exchange ratio generated on June 20, 20xx, is selected from the pre-stored candidate exchange ratios; and the earliest candidate exchange ratio generated on May 20, 20xx, is selected from the pre-stored candidate exchange ratios, resulting in two reference exchange ratios. Therefore, the time interval between the historical exchange times of the two reference exchange ratios is one month, and one of the reference exchange ratios has a historical exchange time that satisfies the condition of being close in time to the current time.

[0121] Optionally, when selecting a reference exchange rate, at least three candidate exchange rates within a certain time period can be chosen as reference exchange rates to reflect the changes in the exchange rate between the resource type and the target type during that time period. Thus, by observing these changes, the frequency of increases and decreases in the value of the virtual resource corresponding to the resource type, as well as the magnitude of each increase or decrease, can be determined.

[0122] If the value of the virtual resource corresponding to a resource type fluctuates frequently during this period, with each increase exceeding the decrease, it means that after this period ends, a smaller amount of virtual resource of that resource type can be used to exchange for the desired object. For example, if 10 units of virtual resource of currency A were required before the end of this period, only 8 units of virtual resource of currency A will be required after the end of this period.

[0123] Therefore, from the candidate exchange ratios between every two preset types of virtual resources, at preset intervals, one candidate exchange ratio between the resource type and the target type is selected as a reference exchange ratio, resulting in at least three reference exchange ratios.

[0124] Among them, the time interval between the historical exchange time and the current time corresponding to at least three reference exchange rates is within the preset time interval.

[0125] Please refer to Figure 5BFor example, if the current time is June 20, 20xx, the preset time interval is one month, and the preset duration is 5 days, then when selecting reference exchange ratios for resource type 'a' and target type 'x', from the pre-stored candidate exchange ratios, starting from the current time, the candidate exchange ratio whose generation time is June 20, 20xx is selected as one reference exchange ratio; from the pre-stored candidate exchange ratios, the candidate exchange ratio whose generation time is June 15, 20xx is selected as one reference exchange ratio; and from the pre-stored candidate exchange ratios, the candidate exchange ratio whose generation time is June 10, 20xx is selected as one reference exchange ratio, and so on, to obtain at least three reference exchange ratios. The time interval between the historical exchange time and the current time for each of the at least three reference exchange ratios is within the preset time interval.

[0126] S2032, based on the obtained reference exchange ratios, determine the range of change in the proportion of each resource type.

[0127] After selecting multiple reference exchange ratios, the range of change in the ratio of each resource type can be determined based on the historical exchange ratios at different times. The range of change in the ratio can reflect the change in the value of the virtual resources of each resource type.

[0128] There are several methods for determining the range of proportional change. Two of them will be introduced below as examples, and other methods will not be listed here.

[0129] Method 1: Based on the obtained reference exchange ratios, plot the ratio transformation curves; based on the peak values ​​of each curve included in the ratio transformation curves, determine the average peak value; based on the trough values ​​of each curve included in the ratio transformation curves, determine the average trough value; based on the difference between the average peak value and the average trough value, determine the ratio change range.

[0130] For example, by establishing a coordinate system with exchange time as the horizontal axis and exchange ratio as the vertical axis, and plotting each reference exchange ratio on the coordinate system, a ratio transformation curve can be obtained. The ratio transformation curve can intuitively reflect the changes of each reference exchange ratio over time.

[0131] For example, set the sliding window size (e.g., 2 data points; the window size needs to be adjusted according to the plotting frequency of the reference exchange rate—the higher the plotting frequency, the larger the window). Iterate through the ratio transformation curve; if the value of a data point on the curve is greater than all other data points within the window, and the time interval between this data point and its adjacent peak exceeds the minimum peak interval (e.g., 30 minutes, to avoid repeatedly counting the same peak), then mark it as a valid peak. Another example is comparing every two adjacent reference exchange rates; if a reference exchange rate is larger than both the previous and the next reference exchange rate, then this reference exchange rate is a valid peak. Therefore, by averaging the obtained valid peaks, the average peak value is obtained.

[0132] Similarly, by iterating through the proportional conversion curve, if a data point on the curve has a value less than all other data points within the window, and the time interval between that data point and its adjacent valley value exceeds the minimum valley interval (e.g., 30 minutes, to avoid repeatedly counting the same valley), it is marked as a valid valley value. For another example, by comparing every two adjacent reference exchange rates, if a reference exchange rate is smaller than both the previous and the next reference exchange rate, then that reference exchange rate is a valid valley value. Thus, by averaging the obtained valid valley values, the average valley value is obtained.

[0133] Method 2: From the obtained reference exchange rates, select two reference exchange rates whose historical exchange times fall within different exchange periods; determine the ratio difference between the two reference exchange rates to obtain the range of ratio change.

[0134] The exchange period can represent the frequency of significant changes in the exchange rate, such as one month. Therefore, by using two reference exchange rates that fall within different exchange periods based on historical exchange times, we can reflect the general changes in resource types, which helps reduce the amount of calculation.

[0135] When the obtained reference exchange rates include two reference exchange rates, the magnitude of the rate change can be determined based on the difference between the two reference exchange rates. The difference between the two reference exchange rates reflects the magnitude of the rate change over this period, which helps to determine the resource value of this type of virtual resource relative to the resource value of the target type of virtual resource.

[0136] If the resource value of both the resource type and the target type increases year-on-year, the change in the exchange ratio remains unchanged; if the resource value of the resource type increases faster than that of the target type, the change in the exchange ratio increases; if the resource value of the resource type increases while the resource value of the target type decreases, the change in the exchange ratio increases; if the resource value of the resource type increases slowly, the change in the exchange ratio decreases; if the resource value of the resource type decreases while the resource value of the target type increases, the change in the exchange ratio decreases.

[0137] Therefore, by controlling the magnitude of the proportional change, we can obtain accurate recommendation results and avoid situations where the recommended resource type results in the consumption of virtual resources exceeding the value of the object in exchange for the object to be exchanged, thus avoiding unnecessary resource losses.

[0138] The exchange rate is based on the ratio at which virtual resources of a certain resource type are exchanged for virtual resources of the target type when the target object authorizes the use of virtual resources of that resource type. For example, based on the exchange rate when electronic currency of currency A is transferred, if the exchange rate rises, it can be understood that virtual resources lower than the value of the object will be consumed to exchange for the object to be exchanged; if the exchange rate falls, it can be understood that virtual resources higher than the value of the object will be consumed to exchange for the object to be exchanged.

[0139] Optionally, when determining the ratio change range, the ratio difference between the two reference exchange ratios can be directly used as the ratio change range; alternatively, the ratio difference between the two reference exchange ratios can be determined first, and then the reference exchange ratio with the earlier historical exchange time can be used as the historical exchange ratio, and the ratio difference to the historical exchange ratio can be used as the ratio change range.

[0140] Please refer to formula (1), which is a method for determining the magnitude of proportional change.

[0141] (1)

[0142] in, This indicates the range of change in the ratio between resource type a and target type x; This indicates the reference exchange rate with the later historical exchange time among the two reference exchange rates; This indicates the reference exchange rate with the earlier historical exchange period among the two reference exchange rates.

[0143] The ratio can normalize the change in the exchange rate, making the change in the ratio between multiple resource pairs comparable. By comparing the year-on-year increase of multiple resource pairs over a period of time, the rise and fall can be determined more accurately, avoiding misjudgment of rise and fall due to the influence of the rise and fall value, and helping to improve the accuracy of recommendations.

[0144] Optionally, when the obtained reference exchange rates include at least three reference exchange rates, the magnitude of the rate change can be determined based on the frequency of rises and falls and the magnitude of each rise or fall exhibited by these at least three reference exchange rates. Predicting future rate changes by analyzing the frequency and magnitude of rises and falls over a period of time helps in making recommendations for the future and improves the flexibility of those recommendations.

[0145] Therefore, we can statistically analyze the frequency of rises and falls of each reference exchange rate in chronological order of historical exchange dates, as well as the ratio difference between any two adjacent reference exchange rates. Then, based on the frequency of rises and falls and the obtained ratio differences, we can determine the magnitude of the ratio change.

[0146] For example, based on the chronological order of historical exchange rates, we can analyze whether each pair of adjacent reference exchange rates is increasing or decreasing, and determine the ratio difference between two adjacent reference exchange rates. The frequency of price fluctuations is determined by analyzing whether each pair of adjacent reference exchange rates is increasing or decreasing.

[0147] If the frequency of increases is not less than the frequency of decreases, and the difference in the ratio between two adjacent reference exchange rates is greater for increases than for decreases, then a positive number is determined as the magnitude of the ratio change; the greater the difference in the ratio for increases is than the difference in the ratio for decreases, the greater the magnitude of the ratio change.

[0148] If the frequency of increases is less than the frequency of decreases, and the difference in the ratio between two adjacent reference exchange rates is less for increases than for decreases, then a negative number is determined as the magnitude of the ratio change. The smaller the difference in the ratio for increases is compared to the difference for decreases, the smaller the magnitude of the ratio change.

[0149] For example, if the types of resources authorized for use by the target account include resource type a, resource type b, and resource type c, and the target type is set as target type x, then the following can be determined: the percentage change between resource type a and target type x before and after one month with the current time as the end point; the percentage change between resource type b and target type x before and after one month with the current time as the end point; and the percentage change between resource type c and target type x before and after one month with the current time as the end point.

[0150] S204 generates recommendation results for virtual resources based on the proportion changes of each resource type.

[0151] After obtaining the percentage changes for each resource type, recommendations for virtual resources can be derived based on these percentage changes. These recommendations reflect the changing value of each resource type, helping target accounts quickly and easily select which type of virtual resource to exchange for the desired object.

[0152] There are multiple recommendation results; two of them will be used as examples below.

[0153] Recommendation Result 1: Based on the magnitude of the proportional change of each resource type, the resource types are sorted to obtain a resource type sequence. Based on the resource type sequence, recommendation results are generated for virtual resources.

[0154] After obtaining the percentage change range of each resource type, the resource types can be sorted according to the value of each percentage change range, and the obtained resource type sequence can be used as the recommendation result for virtual resources.

[0155] Please refer to Figure 6A The resource types are designated as resource type a, resource type b, and resource type c, with target type x as the target type. After obtaining the percentage change (Increase_ax) between resource type a and target type x over a month (ending from the current time); the percentage change (Increase_bx) between resource type b and target type x over a month (ending from the current time); and the percentage change (Increase_cx) between resource type c and target type x over a month (ending from the current time), if Increase_bx is greater than Increase_cx, and Increase_cx is greater than Increase_ax, then the resource type sequence is {Resource type b, Resource type c, Resource type a}. This resource type sequence can then be used as a recommendation in the resource usage interface, displaying the corresponding control buttons for each resource type.

[0156] Based on the recommendation results, the resource types with the largest percentage changes are displayed first, or displayed in the most prominent area. This can encourage the target account to quickly and prioritize the resource types with the largest percentage changes, helping to make the right choice and achieve the goal of accurate recommendation.

[0157] Recommendation Result 2: When generating recommendation results, the system can also obtain the amount of virtual resources pre-stored by the target account under each resource type. Therefore, based on the resource type sequence, the proportional changes in each resource type, and the amount of resources, recommendation results are generated for virtual resources. This makes the recommendation results richer and provides interpretability for each resource type, helping to make correct choices and achieving accurate recommendations.

[0158] based on Figure 6A Please refer to Figure 6B The interface can display control buttons corresponding to each resource type in the resource type sequence, and mark the corresponding resource quantity and proportion change range for each resource type in the resource type sequence.

[0159] Recommendation Result 3: When generating recommendation results, recommendations for virtual resources can be generated based on the resource type sequence and the proportion of each resource type. This intuitively displays the changes in the resource value of each resource type, providing interpretability for the recommendation results and helping to make correct choices, thus achieving the goal of accurate recommendations.

[0160] Recommendation Result 4: Candidate exchange ratios that meet the time proximity condition between historical exchange times and the current time are used as the current exchange ratio. Based on the current exchange ratio, the resource quantity of each resource type is converted into the exchange quantity of virtual resources for the target type. For each resource type, a recommendation tag is added to the resource type based on the exchange quantity and the change range of the ratio. Based on the resource type sequence and the recommendation tag of each resource type, recommendation results for virtual resources are generated.

[0161] If the historical exchange time and the current time meet the condition of being close in time, it means that the interval between the historical exchange time and the current time is short, and it can be regarded as the current time. Therefore, the candidate exchange ratio of the historical exchange time is used as the current exchange ratio.

[0162] The resource quantity of each resource type is converted into the exchange quantity of the target type according to the current exchange ratio. The exchange quantity and the change range of the ratio are used to add a recommendation mark to the resource type. Therefore, when generating recommendation results for virtual resources, it can intuitively show whether the current balance of the target account is sufficient to pay, so as to help the target account quickly select a resource type from the resource type sequence and use the virtual resources of this resource type to exchange for the object to be exchanged.

[0163] Optionally, after generating recommendations for virtual resources, the system can wait for the target account to trigger a selection action based on the resource categories listed sequentially in the recommendations. Receiving a category selection instruction from the target account indicates that the target account has triggered a selection action based on the recommendations. The category selection instruction must include at least one resource category. The category selection instruction can be a payment instruction, an order submission instruction, etc., and there are no specific restrictions.

[0164] The candidate exchange ratios that meet the time proximity condition between the historical exchange time and the current time are used as the current exchange ratio. Based on the current exchange ratio, the resource quantity of one resource type carried in the type selection request is converted into the exchange quantity of virtual resources of the target type.

[0165] Before using virtual resources, first determine whether the amount of virtual resources selected by the target account is sufficient to exchange for the object to be exchanged. By converting the amount of resources into the exchange amount of the target type, the exchange amount and the value of the object can be directly compared.

[0166] When the exchange amount is less than the value of the target asset, a resource transfer request is sent to an associated account for a specific resource type linked to the target account. This resource transfer request instructs the associated account to transfer a specified amount of virtual resources of that resource type to the target account. The associated account can be a payment account, payment card, etc., for that resource type; there are no specific restrictions. It is used to transfer a specified amount of virtual resources of that resource type to the target account, or to receive a specified amount of virtual resources of that resource type transferred from the target account. For example, the associated account might be a payment account transferring currency A to the target account.

[0167] When the exchange amount is greater than or equal to the value of the object, virtual resources of this resource type are consumed according to the exchange amount to exchange for the object to be exchanged.

[0168] The following example, using payment software, illustrates the recommendation method for virtual resources provided in this application. Here, virtual resources refer to electronic currency, resource types are currencies, and exchange rates are exchange rates.

[0169] For example, the payment software claims to be an independent institution with certain guarantees, providing a network payment model for transaction payment platforms that interface with the payment and settlement systems of major financial institutions through agreements. After the target account selects the object to be exchanged within the payment software, it can use the payment account linked to the target account in the payment software to make the payment, and the payment software will notify the recipient to release the payment and request delivery; once the target account receives the object to be exchanged, it will verify the object and confirm its authenticity before transferring the payment to the recipient.

[0170] The payment software first establishes a communication connection with external financial institutions using the FIX protocol. Through this connection, it subscribes to the fair exchange rates of multiple currency pairs, storing these as candidate exchange ratios in a rate database. For example, the target account may be authorized to use three currencies: {a, b, c}. Since the payment software can only set the object's value using either currency x or y, it subscribes to the fair exchange rates generated at different times for six currency pairs: {ax, ay, bx, by, cx, cy}, and stores these rates in the rate database.

[0171] Please refer to Figure 7A and Figure 7B This is an example process of a recommendation method for virtual resources provided in the embodiments of this application.

[0172] S701, when the target account initiates a transaction request (i.e. a resource usage request) through the payment software, it obtains the target type x carried in the transaction request and the set resource quantity (e.g., 532 yuan) representing the value of the object to be exchanged.

[0173] For example, a transaction request might be "{"target_account_id": "138xxxx1234", "target_currency_x": "USXX", "target_amount": "532 CNXX", "request_timestamp": "2025-11-13 14:30:22", "sign": "a1b2c3d4e5f6..."}", where the target account identifier "target_account_id" indicates the initiator of the transaction request, the target type "target_currency_x" represents the currency, the target resource amount "target_amount" represents the value of the object to be exchanged, the transaction timestamp "request_timestamp" represents the time the transaction request was initiated, and the signature "sign" records the target account's signature on the transaction request, preventing abnormal situations such as tampering or forgery of the transaction request.

[0174] First, after receiving a transaction request, the payment software's backend interface verifies the sign signature (generated using the account key and timestamp to prevent parameter tampering).

[0175] Then, the target_amount resource quantity is split into a "value" and a "currency unit" (e.g., "532 CNXX" is split into the value 532.0 and the currency unit CNXX, and the value is checked to see if it is positive (excluding abnormal transaction requests such as "0" or negative numbers).

[0176] Finally, verify whether the target currency type (target_currency_x) is in the list of currencies supported by the payment software (e.g., only 10 mainstream currencies such as USXX, EUXX, and GBXX are supported; if it is not in the list, return the message "This target currency is not currently supported").

[0177] S702 After receiving a transaction request, the payment software retrieves the currency account authorized for use by the target account from the account information query system associated with the payment software. For example, it includes the currency accounts corresponding to the three currencies {a, b, c}.

[0178] Please refer to Table 2 for the authorization status of the target account recorded by the account information query system.

[0179] Table 2

[0180] First, the payment software backend sends an HTTP request to the account information query system, carrying the target account identifier account_id (e.g., "138xxxx1234") and the interface call credential (payment software service inter-authentication token).

[0181] Then, after the account information query system verifies the token, it filters records with authorization status authorization_flag=1 and currency account opening time open_time≤current time (excluding cancelled accounts), extracts the currency_type field, and obtains the list of authorized currencies.

[0182] Finally, the authorized currency list is returned (e.g., [{"currency_type":"CNXX"}, {"currency_type":"USXX"}, {"currency_type":"EUXX"}]), which the payment software backend organizes into {a, b, c}, i.e., {CNXX, USXX, EUXX}.

[0183] If a target account's cryptocurrency account is authorized but frozen (e.g., temporarily frozen due to risk control rules), the query should include a filter condition of account status = 1 (1 = normal, 0 = frozen) to avoid returning frozen cryptocurrency accounts.

[0184] S703, Based on the currency accounts {a, b, c} authorized by the target account and the target type x, determine the list of currency pairs to be sorted {ax, bx, cx}.

[0185] By taking the Cartesian product of the currency corresponding to the currency account and the target currency (i.e., the quoted currency), a list of unsorted currency pairs {ax, bx, cx} can be obtained. Here, currency pair ax represents how many units of currency x can be exchanged for 1 unit of currency a.

[0186] Given a list of authorized currencies {a=CNXX, b=USXX, c=EUXX} and a target currency x=USXX, calculate using the Cartesian product: List of authorized currencies × Target currency = {(CNXX, USXX), (USXX, USXX), (EUXX, USXX)}. This can be formatted as currency pairs (authorized currency / target currency) as: {CNXX / USXX, USXX / USXX, EUXX / USXX}, which is the list of currency pairs to be sorted: {ax, bx, cx}.

[0187] S704. From the fair exchange rates of each subscribed currency pair, query the latest exchange rate and the historical exchange rate from one month ago for the unsorted currency pair list {ax, bx, cx}, denoted as {price_ax_now, price_ax_month}, {price_bx_now, price_bx_month}, and {price_cx_now, price_cx_month}, respectively.

[0188] Payment software must subscribe to fair exchange rates through compliant channels, such as at least one of the following: bank channels, third-party financial data service providers, and regulatory agencies.

[0189] Please refer to Table 3 for a currency exchange rate cache library for the list of currency pairs to be sorted.

[0190] Table 3

[0191] The payment software backend sends a query request to the exchange rate cache library based on the list of currency pairs to be sorted {ax = CNXX / USXX, bx = USXX / USXX, cx = EUXX / USXX}, to obtain the latest exchange rate latest_price (denoted as price_ax_now and price_cx_now) and the historical exchange rate from one month ago price_one_month_ago (denoted as price_ax_month and price_cx_month).

[0192] For special currency pairs where the authorized currency and the quoted currency are the same (e.g., USXX / USXX), directly assign the values ​​latest_price=1.0 and price_one_month_ago=1.0 (denoted as price_bx_now=1.0 and price_bx_month=1.0).

[0193] If a currency pair (e.g., EUXX / USXX) has no data in the exchange rate cache (e.g., the initial subscription has not been synchronized), call the alternative exchange rate interface (e.g., switch to another bank's API). If there is still no data, return a message such as "The current EUXX / USXX exchange rate is temporarily unavailable. Please try again later".

[0194] S705, according to formula (1), determine the year-on-year increase (i.e. the percentage change) of the currency pair list {ax, bx, cx} to be sorted, and denoted as Increase_ax, Increase_bx and Increase_cx respectively.

[0195] The year-on-year increase reflects the current exchange rate's rise relative to one month ago. If the increase is positive, it means that the authorized currency has appreciated relative to the quoted currency (less authorized currency is needed to exchange for the same quoted currency).

[0196] Taking ax = CNXX / USXX as an example, if price_ax_now = 0.139 and price_ax_month = 0.137, then Increase_ax = [(0.139 - 0.137) / 0.137] × 100% ≈ 1.46%. Increase_ax indicates that CNXX has appreciated by 1.46% relative to USXX.

[0197] The year-on-year growth rate can be retained to two decimal places (e.g., 1.46%, instead of 1.5%) to avoid affecting the sorting due to loss of precision.

[0198] If the absolute value of the calculated result exceeds 5% (indicating abnormal fluctuation, possibly due to incorrect exchange rate data or special market events), a secondary verification is triggered. For example, the current exchange rate is re-queried against historical exchange rates to confirm that the data is not outdated. The change in exchange rate is compared with that of alternative exchange rate sources (e.g., other banks). If the difference between the data from the bank API and the data from a third-party financial data service provider is ≤0.5%, the data is considered valid; otherwise, it is marked as "abnormal exchange rate fluctuation."

[0199] S706 Sort the list of currency pairs {ax, bx, cx} in descending order of their year-on-year increases, namely Increase_ax, Increase_bx, and Increase_cx, to obtain the sorted list of currencies {bx, cx, ax}.

[0200] Sort by year-on-year increase (Increase) from largest to smallest. The larger the increase, the more significant the appreciation of the authorized currency, and the more likely it is to be recommended to use this currency.

[0201] If two currency pairs have the same increase (e.g., Increase_ax=1.46%, Increase_dx=1.46%), they can be sorted from high to low according to their frequency of use (determined based on historical data from the payment software, e.g., CNXX / USXX is used more frequently than JPXX / USXX) to improve payment familiarity.

[0202] S707 retrieves the remaining resource amounts corresponding to each of the multiple currencies {a, b, c} under the target account from the account information query system associated with the payment software.

[0203] First, the payment software backend sends a query request to the account information query system, carrying the target account identifier account_id (“138xxxx1234”) and the authorized currency list {a = CNXX, b = USXX, c = EUXX}.

[0204] Then, the account information query system returns the balance of each currency. For example, CNXX balance = 10000.50 (remaining resources of a), USXX balance = 500.20 (remaining resources of b), and EUXX balance = 300.10 (remaining resources of c).

[0205] Finally, verify that the balance unit matches the currency type (e.g., CNXX balance unit is "yuan", USXX balance unit is "M yuan") to avoid unit confusion (e.g., mistakenly recording "500 USXX" as "500 CNXX").

[0206] If the balance of a certain currency account is 0 or negative (e.g., USXX balance = -100 yuan, possibly due to overdraft), it will be marked as insufficient balance.

[0207] S708 generates recommendation results based on the sorted currency list {bx, cx, ax}, the year-on-year growth rate of each currency, and the remaining resource quantity of each currency, and presents them in the resource usage interface.

[0208] Priority recommendation: those ranked higher (with larger increases) and with remaining resources greater than or equal to the set amount of resources (i.e., the user has enough balance to exchange for the object to be exchanged).

[0209] Second best recommendation: ranked higher but with less remaining resources than the set amount (insufficient balance, prompts to recharge or pay by payment card).

[0210] By recommending results, target accounts can understand the resource value trends of various currencies. Furthermore, currencies with the greatest potential for appreciation can be prioritized for payment by target accounts. This eliminates the need for target accounts to perform extensive queries, calculations, and comparisons outside of the payment software, significantly reducing payment complexity and improving recommendation accuracy.

[0211] The system displays the real-time price change of each currency relative to the currency used for pricing to the target account, providing more intuitive quantitative information and effectively assisting the target account in selecting a payment currency account, thereby enhancing the value of their choice.

[0212] Based on the same inventive concept, embodiments of this application provide a recommendation device for virtual resources, capable of realizing the functions corresponding to the aforementioned recommendation method for virtual resources. Please refer to... Figure 8 The device includes a transceiver module 801 and a processing module 802, wherein: Module 801: Used to receive resource usage requests from the target account; wherein, the resource usage request includes at least: the object value set by the target type of virtual resources to be exchanged; Processing module 802: Used to obtain the types of virtual resources authorized for use in the target account; The processing module 802 is also used to: for each resource type, perform the following: select multiple candidate exchange ratios between the resource type and the target type from the preset candidate exchange ratios between two preset virtual resources as reference exchange ratios, and determine the ratio change range of the resource type based on the obtained reference exchange ratios; wherein, each candidate exchange ratio corresponds to a historical exchange time. The processing module 802 is also used to generate recommendation results for virtual resources based on the proportion changes of each type of resource.

[0213] Optionally, the processing module 802 is also used for: Before selecting multiple candidate exchange ratios between a resource type and a target type as reference exchange ratios from the candidate exchange ratios between every two preset types of virtual resources, a ratio subscription message is sent to a preset asset management device; wherein, the ratio subscription message is used to indicate that at least one real-time exchange ratio is continuously returned; each real-time exchange ratio represents: at the current time, the exchange ratio when using one preset type of virtual resource to exchange for another preset type of virtual resource. The continuously received real-time exchange ratios are used as candidate exchange ratios to obtain the preset candidate exchange ratios between every two preset types of virtual resources.

[0214] Optionally, when sending proportional subscription messages to multiple asset management devices, the processing module 802 is specifically used for: For each pair of preset categories, execute the following: When receiving real-time exchange rates returned by multiple asset management devices for two preset categories, determine whether the real-time exchange rates for the two preset categories match. During the matching process, one of the real-time exchange rates will be selected as the candidate exchange rate.

[0215] Optionally, the processing module 802 is specifically used for: Based on a preset time interval, from the preset candidate exchange ratios between two preset types of virtual resources, two candidate exchange ratios between the resource type and the target type are selected as reference exchange ratios to obtain two reference exchange ratios. Among them, the time interval between the historical exchange times corresponding to the two reference exchange ratios is a preset time interval, and there is one of the two reference exchange ratios whose historical exchange time is close to the current time.

[0216] Optionally, the processing module 802 is specifically used for: Based on the obtained reference exchange rates, plot the ratio transformation curve; The average peak value is determined based on the peak values ​​of each curve contained in the scaling transformation curve; The average valley value is determined based on the valley values ​​of each curve contained in the scaling transformation curve. The magnitude of the proportional change is determined based on the difference between the average peak value and the average trough value.

[0217] Optionally, the processing module 802 is specifically used for: From the obtained reference exchange rates, select two reference exchange rates whose historical exchange times fall within different exchange cycles; Determine the ratio difference between the two reference exchange rates; Of the two reference exchange rates, the one with the earlier historical exchange period is taken as the historical exchange rate. The ratio between the difference in the exchange rates and the historical exchange rate is taken as the range of change in the exchange rate.

[0218] Optionally, when the obtained reference exchange rates include at least three reference exchange rates, the processing module 802 is specifically used for: Based on the chronological order of historical exchange times, the frequency of rises and falls of each reference exchange ratio and the ratio difference between every two adjacent reference exchange ratios are statistically analyzed. The magnitude of the change in the proportion is determined based on the frequency of rises and falls and the differences between the proportions obtained.

[0219] Optionally, the processing module 802 is specifically used for: Based on the magnitude of the proportional change of each resource type, the resource types are sorted to obtain a resource type sequence; Based on the resource type sequence, recommendations are generated for virtual resources.

[0220] Optionally, the processing module 802 is specifically used for: Obtain the amount of virtual resources pre-stored in the target account under each resource type; Based on the resource type sequence, as well as the proportion and quantity of each resource type, recommendation results are generated for virtual resources.

[0221] Optionally, the processing module 802 is specifically used for: The candidate exchange ratios that meet the time proximity condition between the historical exchange time and the current time are used as the current exchange ratio. Based on the current exchange ratio, the resource quantity of each resource type is converted into the exchange quantity of virtual resources of the target type. For each resource type, the following measures are taken: a recommendation label is added to the resource type based on the exchange amount and the change in the ratio. Based on the resource type sequence and the recommendation tags for each resource type, recommendation results are generated for virtual resources.

[0222] Optionally, the processing module 802 is also used for: After generating a recommendation result for virtual resources based on the resource type sequence, the proportion and quantity of each resource type, the system receives a type selection instruction from the target account. The type selection instruction is obtained in response to a selection operation triggered by the recommendation result. The type selection instruction contains at least one resource type. The candidate exchange ratios that meet the time proximity condition between the historical exchange time and the current time are used as the current exchange ratio. Based on the current exchange ratio, the resource quantity of one resource type carried in the type selection request is converted into the exchange quantity of virtual resources of the target type. When the exchange amount is less than the value of the object, a resource transfer request is sent to the associated account of a resource type bound to the target account; wherein, the resource transfer request is used to request the associated account to transfer a specified amount of virtual resources of a resource type to the target account.

[0223] Please refer to Figure 9 This is a computer device 900 provided in the embodiments of this application. The computer device 900 can, for example, be... Figure 1CThe client 102 or server 101 in the system. The current and historical versions of the data storage program and the application software corresponding to the data storage program can be installed on a computer device 900, which includes a processor 980 and a memory 920. In some embodiments, the computer device 900 may include a display unit 940, which includes a display panel 941 for displaying a user-interactive interface, etc.

[0224] In one possible embodiment, the display panel 941 may be configured in the form of a liquid crystal display (LCD) or an organic light-emitting diode (OLED).

[0225] The processor 980 is used to read a computer program and then execute the methods defined by the computer program. For example, the processor 980 reads a data storage program or file, thereby running the data storage program on the computer device 900 and displaying the corresponding interface on the display unit 940. The processor 980 may include one or more general-purpose processors, and may also include one or more digital signal processors (DSPs) for performing related operations to implement the technical solutions provided in the embodiments of this application.

[0226] The memory 920 generally includes main memory and secondary storage. Main memory can be random access memory (RAM), read-only memory (ROM), and cache, etc. Secondary storage can be a hard disk, optical disk, USB flash drive, floppy disk, or tape drive, etc. The memory 920 is used to store computer programs and other data. The computer programs include applications corresponding to each client, and other data may include data generated after the operating system or applications are run, including system data (e.g., operating system configuration parameters) and user data. In this embodiment, the computer program is stored in the memory 920, and the processor 980 executes the computer program in the memory 920 to implement any of the methods described in the preceding figures.

[0227] The aforementioned display unit 940 is used to receive input digital information, character information, or contact touch operations / non-contact gestures, and to generate signal inputs related to user settings and function control of the computer device 900. Specifically, in this embodiment, the display unit 940 may include a display panel 941. The display panel 941, for example, is a touch screen, which can collect touch operations performed by the user on or near it (such as operations performed by the user using a finger, stylus, or any suitable object or accessory on or on the display panel 941), and drive corresponding connection devices according to a pre-set program.

[0228] In one possible embodiment, the display panel 941 may include two parts: a touch detection device and a touch controller. The touch detection device detects the player's touch position and the signal generated by the touch operation, and transmits the signal to the touch controller. The touch controller receives touch information from the touch detection device, converts it into touch point coordinates, and sends it to the processor 980. It can also receive and execute commands from the processor 980.

[0229] The display panel 941 can be implemented using various types such as resistive, capacitive, infrared, and surface acoustic wave. In addition to the display unit 940, in some embodiments, the computer device 900 may also include an input unit 930. The input unit 930 may include an image input device 931 and other input devices 932, wherein the other input devices may include, but are not limited to, one or more of the following: a physical keyboard, function keys (such as volume control buttons, power buttons, etc.), a trackball, a mouse, and a joystick.

[0230] In addition to the above, the computer device 900 may also include a power supply 990 for powering other modules, an audio circuit 960, a near-field communication module 970, and an RF circuit 910. The computer device 900 may also include one or more sensors 950, such as an accelerometer, a light sensor, and a pressure sensor. The audio circuit 960 specifically includes a speaker 961 and a microphone 962, for example, the computer device 900 can use the microphone 962 to collect the user's voice and perform corresponding operations.

[0231] As one embodiment, the number of processors 980 can be one or more, and the processors 980 and the memory 920 can be coupled together or relatively independent.

[0232] As one example, Figure 9 The processor 980 in the middle can be used to implement, for example Figure 8 The functions of the transceiver module 801 and the processing module 802 in the middle.

[0233] As one example, Figure 9 The processor 980 in the text can be used to implement the functions of the server or terminal devices discussed above.

[0234] Those skilled in the art will understand that all or part of the steps of the above method embodiments can be implemented by a computer program. The aforementioned computer program can be stored in a computer-readable storage medium. When the computer program is executed, it performs the steps of the above method embodiments. The aforementioned storage medium includes various media capable of storing program code, such as mobile storage devices, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0235] Alternatively, if the integrated units of this invention are implemented as software functional modules and sold or used as independent products, they can also be stored in a computer-readable storage medium. Based on this understanding, the technical solutions of the embodiments of this invention, or the parts that contribute to the prior art, can be embodied in the form of software products, for example, through computer program products. These computer program products are stored in a storage medium and include computer programs used to cause a computer device to execute all or part of the methods described in the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as mobile storage devices, ROM, RAM, magnetic disks, or optical disks.

[0236] Obviously, those skilled in the art can make various modifications and variations to this application without departing from the spirit and scope of this application. Therefore, if such modifications and variations fall within the scope of the claims of this application and their equivalents, this application also intends to include such modifications and variations.

Claims

1. A recommendation method for virtual resources, characterized in that, include: Receive a resource usage request from the target account; wherein, the resource usage request includes at least: the object value set by the target type of virtual resources to be exchanged; Obtain the types of virtual resources authorized for use in the target account; For each of the resource types, the following steps are performed: from the preset candidate exchange ratios between two preset virtual resources of each type, select multiple candidate exchange ratios between the resource type and the target type as reference exchange ratios, and determine the ratio change range of the resource type based on the obtained reference exchange ratios; wherein, each of the candidate exchange ratios corresponds to a historical exchange time. Based on the percentage changes of each resource type, recommendations for virtual resources are generated.

2. The method according to claim 1, characterized in that, Before selecting multiple candidate exchange ratios between the resource type and the target type as reference exchange ratios from the preset candidate exchange ratios between every two preset types of virtual resources, the method further includes: Send a ratio subscription message to a preset asset management device; wherein the ratio subscription message is used to indicate the continuous return of at least one real-time exchange ratio; each real-time exchange ratio represents the exchange ratio when exchanging one preset type of virtual resource for another preset type of virtual resource at the current time; The continuously received real-time exchange ratios are used as candidate exchange ratios to obtain the preset candidate exchange ratios between every two preset types of virtual resources.

3. The method according to claim 2, characterized in that, When sending ratio subscription messages to multiple asset management devices, the step of using continuously received real-time exchange ratios as candidate exchange ratios includes: For each pair of preset categories, execute the following: Upon receiving real-time exchange ratios returned by multiple asset management devices for the two preset categories, it is determined whether the real-time exchange ratios for the two preset categories match. During the matching process, one of the real-time exchange ratios will be selected as the candidate exchange ratio.

4. The method according to claim 1, characterized in that, The step of selecting multiple candidate exchange ratios between the resource type and the target type as reference exchange ratios from a preset pool of candidate exchange ratios between every two preset types of virtual resources includes: Based on a preset time interval, from the preset candidate exchange ratios between two preset types of virtual resources, two candidate exchange ratios between the resource type and the target type are selected as reference exchange ratios to obtain two reference exchange ratios. The time interval between the historical exchange times corresponding to the two reference exchange ratios is the preset time interval, and one of the two reference exchange ratios has a historical exchange time that is close to the current time.

5. The method according to any one of claims 1 to 4, characterized in that, The determination of the proportion change range of the resource type based on the obtained reference exchange ratios includes: Based on the obtained reference exchange rates, plot the ratio transformation curve; The average peak value is determined based on the peak values ​​of each curve contained in the proportional transformation curve; The average valley value is determined based on the valley values ​​of each curve contained in the proportional transformation curve; The magnitude of the proportional change is determined based on the difference between the average peak value and the average trough value.

6. The method according to claim 5, characterized in that, The determination of the proportion change range of the resource type based on the obtained reference exchange ratios includes: From the obtained reference exchange rates, select two reference exchange rates whose historical exchange times fall within different exchange cycles; Determine the ratio difference between the two reference exchange rates; Of the two reference exchange rates, the one with the earlier historical exchange time is taken as the historical exchange rate, and the ratio between the difference in the two rates and the historical exchange rate is taken as the rate of change.

7. The method according to any one of claims 1 to 4, characterized in that, The determination of the proportion change range of the resource type based on the obtained reference exchange ratios includes: Based on the chronological order of historical exchange times, the frequency of rises and falls of each reference exchange ratio and the ratio difference between every two adjacent reference exchange ratios are statistically analyzed. Based on the frequency of rises and falls and the obtained differences in each ratio, the magnitude of the ratio change is determined.

8. The method according to any one of claims 1 to 4, characterized in that, Based on the proportional changes of each resource type, recommendations for virtual resources are generated, including: Based on the magnitude of the proportional change of each resource type, the resource types are sorted to obtain a resource type sequence; Based on the resource type sequence, recommendations are generated for virtual resources.

9. The method according to claim 8, characterized in that, The step of generating recommendation results for virtual resources based on the resource type sequence includes: Obtain the amount of virtual resources pre-stored by the target account under each resource type; Based on the resource type sequence, as well as the proportion and quantity of each resource type, a recommendation result for virtual resources is generated.

10. The method according to claim 9, characterized in that, The step of generating recommendation results for virtual resources based on the resource type sequence, the proportion and quantity of each resource type, and the following includes: The candidate exchange ratios that meet the time proximity condition between the historical exchange time and the current time are taken as the current exchange ratio. Based on the current exchange ratio, the resource quantity of each resource type is converted into the exchange quantity of the virtual resource of the target type. For each resource type, the following steps are performed: A recommendation tag is added to the resource type based on the exchange volume and ratio change rate of that resource type. Based on the resource type sequence and the recommendation tags for each resource type, a recommendation result for the virtual resource is generated.

11. The method according to claim 9, characterized in that, After generating recommendation results for virtual resources based on the resource type sequence, the proportion of each resource type, and the amount of each resource type, the method further includes: Receive a category selection instruction from the target account; wherein the category selection instruction is obtained in response to a selection operation triggered by the recommendation result; the category selection instruction includes at least one of the resource categories; The candidate exchange ratios that meet the time proximity condition between the historical exchange time and the current time are taken as the current exchange ratio. Based on the current exchange ratio, the resource quantity of one resource type carried in the type selection request is converted into the exchange quantity of virtual resources of the target type. When the exchange amount is less than the value of the object, a resource transfer request is sent to the associated account of the resource type bound to the target account; wherein, the resource transfer request is used to request the associated account to transfer a specified amount of virtual resources of the resource type to the target account.

12. A recommendation device for virtual resources, characterized in that, include: The transceiver module is used to obtain the types of virtual resources authorized for use in the target account when a resource usage request is received from the target account; wherein, the resource usage request includes at least: the object value set by the target type of virtual resource for the object to be exchanged; Processing module: For each of the resource types, the following steps are performed: Selecting multiple candidate exchange ratios between the resource type and the target type from a preset pool of candidate exchange ratios between two preset types of virtual resources as reference exchange ratios, and determining the percentage change range of the resource type based on the obtained reference exchange ratios; wherein each candidate exchange ratio corresponds to a historical exchange time. The processing module is also used to generate recommendation results for virtual resources based on the respective proportion changes of each resource type.

13. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the method as described in any one of claims 1 to 11.

14. A computer device, characterized in that, include: Memory, used to store computer programs; A processor is configured to invoke a computer program stored in the memory and execute the method as described in any one of claims 1 to 11 according to the obtained computer program.

15. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program that causes a computer to perform the method as described in any one of claims 1 to 11.

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