Message transmission method, device and equipment based on virtual resources

Abstract

The invention provides a message transmission method, device and equipment based on virtual resources, and the method comprises the steps: sending risk evaluation information to a second client where a second communication account logs in through a first communication account under an online communication platform, and enabling the risk evaluation information to indicate the second client to render and display a risk evaluation card message; obtaining risk assessment input information sent by the second client in response to the risk assessment card message, and obtaining virtual resource information based on the risk assessment input information; sending virtual resource information to a second communication account through the first communication account, wherein the virtual resource information is used for instructing a second client to render and display a virtual resource recommendation card message; and obtaining the virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generating the target ordering information, and executing the virtual resource transaction operation based on the second communication account and the target ordering information, thereby reducing the transaction steps for the virtual resources, and improving the transaction convenience and efficiency.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular to a message transmission method, apparatus and device based on virtual resources. Background Technology

[0002] Currently, when trading virtual resources, investors can first communicate with an investment advisor to determine the types, quantities, and trading directions of virtual resources available for trading, and then proceed with the transaction accordingly. However, existing technology generally executes this process offline, which results in cumbersome procedures and low efficiency. Summary of the Invention

[0003] This application provides a message transmission method, apparatus, and device based on virtual resources, which can reduce transaction steps for virtual resources and improve transaction convenience and efficiency.

[0004] In a first aspect, this application provides a message transmission method based on virtual resources, comprising: sending risk assessment information to a second client logged in by a second communication account through a first communication account on an online communication platform, wherein the risk assessment information instructs the second client to render and display a risk assessment card message; obtaining risk assessment input information sent by the second client in response to the risk assessment card message, and obtaining virtual resource information based on the risk input information; sending virtual resource information to the second client through the first communication account, wherein the virtual resource information is used to instruct the second client to render and display a virtual resource recommendation card message; obtaining virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generating target order information, and executing a virtual resource transaction operation based on the second communication account and the target order information.

[0005] Secondly, this application provides a message transmission device based on virtual resources, comprising: a risk assessment module, used to send risk assessment information to a second client logged in by a second communication account through a first communication account under an online communication platform, wherein the risk assessment information instructs the second client to render and display a risk assessment card message; a resource acquisition module, used to acquire risk assessment input information sent by the second client in response to the risk assessment card message, and acquire virtual resource information based on the risk input information; a resource sending module, used to send virtual resource information to the second client through the first communication account, wherein the virtual resource information instructs the second client to render and display a virtual resource recommendation card message; and an order processing module, used to acquire virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generate target order information, and execute virtual resource transaction operations based on the second communication account and the target order information.

[0006] Thirdly, this application provides an electronic device, including: a processor and a memory, the memory for storing a computer program, and the processor for calling and running the computer program stored in the memory to perform the methods as described in the first aspect or its various implementations.

[0007] Fourthly, this application provides a computer-readable storage medium for storing a computer program that causes a computer to perform the methods described in the first aspect or its various implementations.

[0008] Fifthly, this application provides a computer program product including computer program instructions that cause a computer to perform the methods as described in the first aspect or its various implementations.

[0009] Sixthly, this application provides a computer program that causes a computer to perform the methods described in the first aspect or its various implementations.

[0010] Other technical features and effects involved in the technical solution of this application will be described in subsequent embodiments, and will not be repeated here to avoid repetition. Attached Figure Description

[0011] The accompanying drawings used in the following description of the embodiments are introduced.

[0012] Figure 1 An application scenario diagram provided for an embodiment of this application; Figure 2 A flowchart illustrating a message transmission method based on virtual resources provided in this application embodiment; Figure 3 A schematic diagram illustrating a message transmission method provided in an embodiment of this application; Figure 4 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 5 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 6 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 7 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 8 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 9 A schematic diagram illustrating another message transmission method provided in an embodiment of this application; Figure 10 A schematic diagram of a message transmission device based on virtual resources provided in an embodiment of this application; Figure 11 A schematic diagram of an electronic device provided in an embodiment of this application. Detailed Implementation

[0013] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those of ordinary skill in the art without creative effort are within the scope of protection of this application.

[0014] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this application are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of this application described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or server that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or devices.

[0015] In one embodiment, the technical solution of this application can be used in message transmission scenarios based on virtual resources. For example, it can be applied to scenarios where investors and investment advisors communicate to determine the types, quantities, and trading directions of virtual resources that can be used for trading. The virtual resources can be stocks, bonds, options, futures, etc., but are not limited to these.

[0016] For example, Figure 1 An application scenario diagram provided for an embodiment of this application, such as Figure 1 As shown, this application scenario may include a first terminal device 110, a second terminal device 120, and a server 130 connected via a wired or wireless network. The server can be a single server, a server cluster consisting of multiple servers, or a cloud platform control center, but is not limited to these. The terminal device can be a mobile phone, tablet computer, laptop computer, or desktop computer, but is not limited to these. The first terminal device may have a first client and an online communication platform installed, and the second terminal device may have a second client and an online communication platform installed. Subsequent embodiments will describe the first client, the online communication platform, and the second client.

[0017] It should be noted that, Figure 1The terminal devices and servers mentioned are merely examples; in practice, other numbers or types of devices may also be included.

[0018] Specifically, the investment advisor can access the online communication platform using a first communication account on a first terminal device. Then, through the first communication account on the online communication platform, it sends risk assessment information to a second client logged into a second communication account. This risk assessment information instructs the second client to render and display a risk assessment card message. The second client can render and display the risk assessment card message based on the risk assessment information and obtain the risk assessment input information entered by the investor based on the risk assessment card message. The online communication platform on the first terminal device can obtain the risk assessment input information sent by the second client in response to the risk assessment card message and obtain virtual resource information based on the risk input information. Then, it can send virtual resource information to the second communication account through the first communication account. This virtual resource information instructs the second client to render and display a virtual resource recommendation card message. The second client can render and display the virtual resource recommendation card message based on the virtual resource information and obtain the virtual resource input information entered by the investor based on the virtual resource recommendation card message. The online communication platform on the first terminal device can obtain the virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generate target order information, and execute virtual resource trading operations based on the second communication account and the target order information.

[0019] It should be noted that all technical solutions in this application can be combined in any way to form optional embodiments of this application. To avoid repetition, these will not be elaborated upon.

[0020] Furthermore, in the specific embodiments of this application, data, information, requests or instructions related to target orders, order processing operations, order messages, target accounts, target account identifiers, transaction accounts and entrusted accounts are involved. When the embodiments of this application are applied to specific products or technologies, user permission, consent or authorization is required, and the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0021] The technical solution of this application will be described in detail below: In one embodiment, Figure 2 A flowchart illustrating a message transmission method based on virtual resources provided in this application embodiment, the method can be performed by, for example... Figure 1 The first terminal device, the second terminal device, and the server shown are used for execution, but are not limited to these.

[0022] like Figure 2 As shown, the method may include the following steps: S210: Send risk assessment information to the second client logged in by the second communication account through the first communication account under the online communication platform. The risk assessment information instructs the second client to render and display the risk assessment card message. S220: Obtain the risk assessment input information sent by the second client in response to the risk assessment card message, and obtain virtual resource information based on the risk assessment input information; S230: Send virtual resource information to the second client through the first communication account. The virtual resource information is used to instruct the second client to render and display virtual resource recommendation card messages. S240: Obtain the virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generate the target order information, and execute the virtual resource transaction operation based on the second communication account and the target order information.

[0023] The following is a brief introduction to the various implementing entities involved in this application: The first terminal device is the terminal device used by the investment advisor (or account manager), and the first client is installed on the first terminal device; the second terminal device is the terminal device used by the investor, and the second client is installed on the second terminal device. The first client and the second client can be clients of the same application, for example, both the first client and the second client can be clients of the same financial platform application; or, the first client and the second client can be clients of different applications, for example, the first client is a client of an instant messaging application, and the second client is a client of a financial platform application.

[0024] An online communication platform can be a backend server for implementing instant messaging (IM). For example, it can be an IM chat site, which is a backend server that provides real-time text, voice, video, and file message transmission services over the internet. The first and second clients can establish communication connections with the online communication platform through their respective application backend servers to achieve data transmission.

[0025] Specifically, the first client can be a client of a Customer Relationship Management (CRM) backend system. Investment advisors can open an advisor account in this CRM system. This advisor account can also be used for instant messaging on an online communication platform. That is, this advisor account is the first communication account. This first communication account (or advisor account) is associated with a license number for virtual resource trading (a license number refers to a legal certificate for engaging in securities business; it is the license number required for financial institutions or investment advisors to conduct regulated business in a specific market, ensuring that all recommendations comply with regulatory requirements). The second client can be a client of a financial platform application. Investors can open an investment account in this financial platform application. This investment account can also be used for instant messaging on an online communication platform. That is, this investment account is the second communication account. The first client can connect to the online communication platform through the CRM system, and the second client can connect to the online communication platform through the backend server of the financial platform application. The aforementioned first communication account can communicate instantly with the investor's corresponding second communication account through the first client, pushing product cards to the investor's second client, guiding the investor to sign the investment advisory agreement (i.e., the investment advisory agreement), and completing risk assessments. The aforementioned second communication account can communicate instantly with the first communication account corresponding to the investment advisor through the second client. Investors can communicate with the investment advisor through the online communication platform displayed in the second client by logging into the second communication account, signing the investment advisory agreement, completing the risk assessment, and finally placing an order.

[0026] Understandably, message transmission and subsequent judgment of various triggering conditions can be achieved through an online communication platform, i.e., an IM site. For example, the first client can send a message to the backend server of its corresponding application, and the backend server can use the online communication platform to pass the message to the backend server of the second client's corresponding application, and then to the second client.

[0027] In one embodiment, before executing S210, investment advisory agreement information can be sent from the first communication account under the online communication platform to the second client logged in by the second communication account, thereby realizing the signing of an investment advisory agreement between the investor and the investment advisor.

[0028] For example, investment advisory agreement information can be sent from a first communication account on an online communication platform to a second client logged in with a second communication account. The second client can then obtain the investment advisory agreement information, render and display it, and obtain an investment advisory agreement card message. Investors can sign the investment advisory agreement based on the investment advisory agreement card message, thereby the second client can obtain the investment advisory agreement signing information and send it to the first communication account on the online communication platform. Finally, the first communication account can obtain the investment advisory agreement signing information from the second client in response to the investment advisory agreement card message.

[0029] The investment advisory agreement information can instruct the second client to render and display the investment advisory agreement card message. This information may include a link to the agreement signing page used for signing the investment advisory agreement. Upon receiving the investment advisory agreement information, the second client can assemble it into a card message based on a specific card template, thus obtaining the investment advisory agreement card message.

[0030] The investment advisory agreement card message is the result of the second client rendering the investment advisory agreement information. It can be displayed as a conversation card in the chat interface between the investor and the investment advisor. The investor can trigger the display of the investment advisory agreement card message through the second client, and the second client can respond to this triggering operation by displaying the specific content of the investment advisory agreement card message.

[0031] In one embodiment, in response to the first communication account and the second communication account entering the session room of the online communication platform, the license information associated with the first communication account and the investment advisory agreement signing information of the second communication account can be obtained; if the license information associated with the first communication account is in a licensed state and the investment advisory agreement signing information of the second communication account is in an unsigned state, the investment advisory agreement information is sent to the second client through the first communication account.

[0032] A conversation room refers to a virtual room maintained by an online communication platform. At least two users can interact in the virtual room after logging into the application with their respective communication accounts and joining the virtual room.

[0033] Specifically, when the online communication platform detects that the first communication account and the second communication account have entered the chat room, the online communication platform can search for the licensing information corresponding to the first communication account from the backend server corresponding to the first client. This licensing information is used to indicate whether the first communication account (i.e., the investment advisor) is a licensed account. The specific licensing information includes licensing status information, such as licensed status and unlicensed status. Furthermore, if the licensing status information is licensed, the licensing information can also include the specific license number under the licensed status. At the same time, the online communication platform can search for the investment advisory agreement signing information corresponding to the second communication account from the backend server corresponding to the second client. The investment advisory coordination signing information is used to indicate the signing status of the investment advisory agreement between the second communication account and the first communication account. The specific investment advisory agreement signing information includes signing status information, such as signed status and unsigned status. Then, if the licensing information associated with the first communication account is in a licensed status and the investment advisory agreement signing information of the second communication account is in an unsigned status, the platform triggers the sending of investment advisory agreement information from the first communication account to the second client logged in by the second communication account.

[0034] Furthermore, the account information of the second communication account can also be obtained. The account information includes, but is not limited to, the account risk level, the account asset limit level, and the account type. After confirming that the license information associated with the first communication account is in a licensed state and the investment advisory agreement signing information of the second communication account is in an unsigned state, it is necessary to further detect the account information of the second communication account. Only if the account risk level is greater than the preset risk level, the account asset limit level is greater than the preset asset limit level, and the account type is a preset account type (such as an AI investor who has activated AI (Artificial Intelligence) services) will the sending of investment advisory agreement information from the first communication account to the second client logged in by the second communication account be triggered.

[0035] For example, different trading markets have different investment advisory agreement signing processes. For instance, under trading market 1, such as... Figure 3As shown, when the online communication platform detects that the first and second communication accounts have entered the chat room, it can search the backend server corresponding to the first client for the licensing information associated with the first communication account and the backend server corresponding to the second client for the investment advisory agreement signing information of the second communication account. If the first communication account's licensing information is in an unlicensed state, the investment advisory agreement button can be deselected from the chat interface corresponding to the first client. The investment advisory agreement button is used to send investment advisory agreement information to the second client after the investment advisor triggers it. If the first communication account's licensing information is in a licensed state, the account information of the second communication account can be further judged. If the account information does not meet the preset conditions (account risk level greater than the preset risk level, account asset amount, etc.), the platform will proceed accordingly. If the investor's account level is greater than the preset asset limit level and the account type is the preset account type, then the investor is deemed unverified. The button to display the investment advisory agreement can be removed from the corresponding chat interface of the first client. If the account information meets the preset conditions, the investor is deemed to have passed the verification. Then, it is further determined whether the investment advisory agreement signing information of the second communication account has been signed. If the investment advisory agreement signing information of the second communication account is signed, the button to display the investment advisory agreement can be removed from the corresponding chat interface of the first client. If the investment advisory agreement signing information of the second communication account is unsigned, "Unagree to sign the investment advisory agreement" will be displayed in the corresponding chat interface of the first client, and the investment advisory agreement information will be sent from the first communication account to the second client logged in by the second communication account.

[0036] For example, in trading market 2, when the online communication platform detects that the first communication account and the second communication account have entered the chat room, it can obtain the licensing information associated with the first communication account and the investment advisory agreement signing information of the second communication account. If the investment advisory agreement signing information of the second communication account is in an unsigned state, the second communication account and the first communication account can communicate directly. If not authorized, the first communication account sends an investment advisory agreement message to the second communication account, enabling the second communication account to sign the agreement.

[0037] The above embodiments can automatically verify the identity of investors and the qualifications of investment advisors, ensuring that the signing of investment advisory agreements meets compliance requirements and reducing verification costs.

[0038] Specifically, for S210 and S220, it can be determined first whether the investor has filled in risk assessment input information or whether the filled-in risk assessment input information has expired. If the investor has not filled in risk assessment input information or the filled-in risk assessment input information has expired, the first communication account can send risk assessment information to the second client. Then, the second client can obtain the risk assessment information, render and display the risk assessment information, and obtain the risk assessment card message. The investor can trigger the risk assessment card message based on the second client, and the second client can respond to the trigger operation by jumping to the risk assessment questionnaire page. The investor can fill in the risk assessment input information based on the risk assessment questionnaire page, so the second client can obtain the risk assessment input information and send it to the first communication account. Finally, the first communication account can obtain the risk assessment input information and obtain virtual resource information based on the risk assessment input information.

[0039] The risk assessment information instructs the second client to render and display the risk assessment card message. This information may include the content of the risk assessment questionnaire page or the channel through which the questionnaire page content was obtained (specifically, the storage address or download link for the questionnaire page content). Upon receiving the risk assessment information, the second client can assemble it into a card message based on a specific card template, thus obtaining the risk assessment card message.

[0040] The risk assessment card message is the result of the second client rendering risk assessment information. It can be a card displayed in the conversation interface between the investor and the investment advisor, that is, a message displayed in the conversation interface between the investor and the investment advisor in the form of a conversation card. The investor can trigger the displayed risk assessment card message through the second client. The second client can respond to this triggering operation by displaying a risk assessment questionnaire page. The questionnaire page content includes: multiple-choice questions, fill-in-the-blank questions, etc., related to the investor's user behavior data and user preference data. The investor can fill in the relevant data based on the questionnaire page content. Specifically, user behavior data is used to indicate the relevant data of the user's trading behavior under different investment return environments. For example, user behavior data can include behavioral data related to the user's multiple historical investment behaviors. The behavioral data of a single historical investment behavior includes, but is not limited to, the investment target, the type of transaction behavior executed by the user, the time of the transaction behavior, the rate of return of the investment target when the user executed the transaction behavior, and the difference in the rate of return of the investment target after the user executed the transaction behavior. User preference data is used to indicate the virtual resource category, industry, and trading market of the investment target in the user's historical investment behavior.

[0041] The risk assessment input information is the collection of all the answers that investors fill in on the risk assessment questionnaire page, namely the aforementioned user behavior data and user preference data.

[0042] Virtual resource information, obtained by processing risk input information, refers to relevant information about virtual resources recommended to the second communication account. In subsequent embodiments, it can be used to instruct the second client to render and display virtual resource recommendation card messages, thereby recommending virtual resources that can be used for order placement to investors. Specifically, virtual resource information may include at least one of the following: the virtual resource identifier of the specific virtual resource, the recommended transaction quantity, and the recommended transaction direction.

[0043] User behavior data includes at least one of the following: investment target, transaction type, transaction time, and various rates of return (e.g., rate of return 1, rate of return 2).

[0044] For example, the above-mentioned acquisition of virtual resource information based on risk assessment input information includes the following steps: determining the risk level values ​​and risk level weights of user behavior data in the risk assessment input information under different dimensions, wherein the risk level value is used to indicate the degree of acceptance of investment risk by the investor corresponding to the second communication account. For example, the higher the risk level value, the higher the investor's acceptance of virtual resources with high investment risk, and the lower the risk level value, the lower the investor's acceptance of virtual resources with high investment risk.

[0045] Specifically, the first investment risk level of the corresponding second communication account in the first dimension can be determined based on the proportion of different virtual resource types of the investment targets in the user behavior data. At the same time, the second investment risk level of the corresponding second communication account in the second dimension can be determined based on the user behavior data of the same investment targets in all user behavior data.

[0046] The virtual resource types include high-risk and low-risk virtual resource types. High-risk categories include, but are not limited to, stocks, equity funds, options, and futures. Low-risk types include government bonds, money market index funds, and insurance. Furthermore, it is possible to obtain all investment targets in user behavior data, thereby obtaining the proportion of investment targets belonging to high-risk virtual resource types among all investment targets, and determining the first investment risk level of the corresponding second communication account in the first dimension.

[0047] Specifically, determining the second investment risk level value for the corresponding second communication account in the second dimension can be based on the transaction time and transaction frequency of user behavior data for the same investment target, and then on the influence factors of each investment target based on the virtual resource type of each investment target. The second investment risk level value is then determined based on the influence factors and transaction frequency of each investment target. Specifically, the second investment risk level value can be obtained using the following formula: .

[0048] in, This represents the influence factor of the i-th investment target, which can be set according to the number of investment targets under different virtual resource types, where n represents the total number of different investment targets in the user behavior data. This represents the trading frequency of the i-th investment target. It can be understood that a higher trading frequency corresponds to a higher level of investor risk tolerance. Specifically, the sum of the impact factors of each investment target under the high-risk virtual resource type is greater than the sum of the impact factors of each investment target under the low-risk virtual resource type. The impact factors of each investment target under the high-risk virtual resource type can be equal, and the impact factors of each investment target under the low-risk virtual resource type can be equal.

[0049] After obtaining the risk level values ​​and risk level weights of the second communication account under different dimensions, the target risk level of the investor corresponding to the second communication account is determined based on the corresponding risk level values ​​and risk level weights. A virtual resource product pool is obtained, which includes multiple virtual resource investment portfolios. Each virtual resource investment portfolio includes at least one category of virtual resources, the trading direction and trading quantity of each category of virtual resources, and the corresponding investment risk level. The target risk level is matched with the investment risk levels of each virtual resource investment portfolio in the virtual resource product pool to determine the first virtual resource investment portfolio matching the target risk level. Furthermore, preset user preference data is obtained, and the virtual resource investment portfolios in the second virtual resource investment portfolio that match the preset user preference data are determined as virtual resource information.

[0050] For example, such as Figure 4As shown, the IM Customer Site serves as a communication connection between the online communication platform and the Customer Relationship Management (CRM) backend system, while the IM Customer Site serves as a communication connection between the online communication platform and the financial platform. Investment advisors can log in to the first client using a first communication account. Through the connection between the CRM backend system and the IM Customer Site on the online communication platform, as well as the connection between the IM Customer Site and the IM Customer Site, the advisor can send messages, such as risk assessment information (or risk assessment messages), to the second communication account of client A (the investor) on the IM Customer Site. Similarly, client A can log in to the second client using a second communication account. Through the connection between the financial platform application's backend server and the IM Customer Site on the online communication platform, as well as the connection between the IM Customer Site and the IM Customer Site, the advisor can send messages to the first communication account of the investment advisor on the IM Customer Site. As described above, when the second client logged in by the second communication account receives a risk assessment message, it can render and display a risk assessment card message based on the message. In response to customer A's click on the risk assessment card message, it redirects the user to the risk assessment questionnaire page (or risk assessment survey page) corresponding to the risk assessment module of the financial platform application's backend server. Customer A fills out the questionnaire on the risk assessment questionnaire page and can return to the chat page after completion. At this time, the backend server of the financial platform application corresponding to the second client can obtain the risk assessment input information through the risk assessment card message, update the risk assessment status of the second communication account to "completed," and synchronize the risk assessment status and input information to the online communication platform. It can be understood that the online communication platform can send the risk assessment status and input information to the IM customer site via the IM customer site, thereby synchronizing it to the customer relationship management backend system and the first client logged in by the first communication account.

[0051] Through the above embodiments, virtual resource products that match the investor's risk level can be determined through risk assessment and accurate risk profiling (e.g., risk assessment input information), avoiding manual judgment and operation, reducing transaction steps for virtual resources, and improving transaction convenience and efficiency.

[0052] For S230 and S240, for example, virtual resource information can first be sent to the second client through the first communication account; then, the second client can obtain the virtual resource information and render and display it to obtain a virtual resource recommendation card message; investors can input virtual resource input information based on the virtual resource recommendation card message. Specifically, S240 includes: responding to the second client's trigger operation on the virtual resource recommendation card message, entering the virtual resource order page through the second client; obtaining the virtual resource input information based on the order page, generating target order information, that is, the virtual resource information carries the virtual resource identifier of a specific virtual resource; the second client can respond to the investor's trigger on the virtual resource recommendation card, and jump to the virtual resource order page of the specific virtual resource based on the second communication account; through the virtual resource order page, the virtual resource input information entered by the investor can be obtained, including but not limited to the virtual resource identifier, actual transaction quantity, and actual transaction direction. The second client can send virtual resource input information to the online communication platform through the virtual resource order page. The online communication platform generates target order information based on the virtual resource input information and executes virtual resource transaction operations based on the second communication account and the target order information. Specifically, the online communication platform can send the second communication account and the target order information to the transaction server to trigger the transaction server to complete the transaction based on the second communication account and the target order information.

[0053] The virtual resource recommendation card message is the result of the second client rendering virtual resource information. It can be a card displayed in the conversation interface between the investor and the investment advisor, or a link to a virtual resource product. After receiving the virtual resource information, the second client can assemble the virtual resource information into a card message based on a specific card template, thus obtaining the investment advisory agreement card message. The virtual resource recommendation card message includes: the category, trading quantity, and trading direction of each virtual resource to be selected in the virtual resource information. In addition, it may also include the reason for recommending each virtual resource and the trading situation under a preset time period (e.g., trading price, trading quantity, growth rate).

[0054] Virtual resource input information refers to the information of virtual resources selected by investors based on virtual resource recommendation card messages for subsequent order placement. Virtual resource input information may include: the category, transaction quantity, and transaction direction of at least one virtual resource among the virtual resources to be selected mentioned above.

[0055] The target order information is generated based on the virtual resource input information and is used to execute subsequent order placement operations. Specifically, the process of generating target order information based on the virtual resource input information includes the following steps: obtaining the second communication account and order termination conditions, which include at least one of the following: the order validity date has been reached, the order has been completed, or the corresponding actual transaction price is lower than a preset value (the actual transaction price is the transaction price of the virtual resource corresponding to the order in the trading market before the order is completed); and packaging the virtual resource input information, the second communication account, and the order termination conditions into data to obtain the target order information.

[0056] Specifically, in response to triggering the following steps, virtual resource information can be sent to the second client through the first communication account: confirming that the first communication account is associated with a license number; confirming that the investor corresponding to the second communication account has signed the corresponding investment advisory agreement; and confirming that the second client has sent risk assessment input information. For example, before sending virtual resource information to the second client through the first communication account, the online communication platform can first search for the license number corresponding to the first communication account on the backend server corresponding to the first client, search for the signing status of the investor's corresponding investment advisory agreement on the backend server corresponding to the second client, and check whether the session records in the session interface contain risk assessment card messages. If the license number corresponding to the first communication account is found on the backend server corresponding to the first client through the online communication platform, it is confirmed that the first communication account is associated with a license number. If the signing status of the investor's corresponding investment advisory agreement is found on the backend server corresponding to the second client, it is confirmed that the investor corresponding to the second communication account has signed the corresponding investment advisory agreement. If the session records in the session interface contain risk assessment card messages, it is confirmed that the second client has sent risk assessment input information.

[0057] For example, see Figure 5 The interface diagram and Figure 6-7 The flowchart in the example, such as Figure 5 As shown in (1), the investment advisor can click on the product module in the online communication platform to send financial products to the second client; the server can respond to this click operation by performing the following compliance checks in sequence: determining whether the investment advisor has a license number, determining whether the investor has signed an investment advisory agreement, determining whether the investor has completed the risk test, and determining whether the risk test has expired. If the result of any of the above checks is negative, it is determined that the product cannot be sent to the second client through the product module, i.e., virtual resource information. If the result of any of the above checks is positive, then it can be done as follows: Figure 5 As shown in (2) above, by querying financial products through an online communication platform, one can obtain results such as... Figure 5The query results in (3) or (4) can be determined based on the product to be searched entered by the investment advisor and the risk assessment input information mentioned above. The investment advisor can select a financial product from the query results, such as Figure 5 As shown in (5), the online communication platform can display detailed information about the selected financial product, including its corresponding virtual resource information. Then, the server can perform product risk matching on this virtual resource information to determine if it matches the investor's risk assessment input information. If it does not match, it determines that the product cannot be sent to the second client through the product module. If it matches, the virtual resource information can be sent to the second client. Afterwards, the second client can render and display the product as shown in (5). Figure 5 The virtual resource recommendation card message shown in (6) can specifically be a product card link. Investors can click on the card message on a second client, which can then redirect to an order page and place an order.

[0058] Through the above embodiments, virtual resources can be recommended to investors in the form of card messages based on the determined virtual resource information, allowing investors to directly access the order page by clicking, thus improving operational convenience; moreover, the virtual resource input information is automatically converted according to the user's selection to obtain the target order information, ensuring the accuracy and efficiency of the order.

[0059] Furthermore, in one embodiment, the server can record each of the above steps to obtain an operation log. Specifically, it can record the operation logs for the operations performed by the first communication account and the operation logs for the operations performed by the second client in the above embodiments. Each operation log includes at least one of the following: the execution time of the operation, the content of the received or sent information or card messages.

[0060] In one embodiment, to ensure compatible display of the various information and card messages in the above embodiments between the online communication platform and the first and second clients, the various information and card messages can be processed using the following steps: For example, the target message includes any one of the following: risk assessment information, virtual resource information, or investment advisory agreement information. Sending the target message to the second client via the first communication account in the above embodiment includes: determining the message format structure based on the message type corresponding to the target message; obtaining the message content corresponding to the target message and filling the message content into the fields of the message format structure to obtain message structure data; parsing and encrypting the message structure data to obtain the string card message corresponding to the message content. Then, the string card message can be sent to the second client via the first communication account.

[0061] Accordingly, the target message indicates the target card message to be rendered and displayed by the second client, including any one of the following: risk assessment card message, virtual resource recommendation card message, investment advisory agreement card message; the second client rendering and displaying the target card message indicated by the target message in the above embodiment includes: decrypting and parsing the string card message to obtain message structure data; restoring the message structure data to obtain message content; and displaying the message content in card form to obtain the displayed target card message.

[0062] The message types corresponding to investment advisory agreement information, risk assessment information, and virtual resource information are respectively: agreement type, assessment type, and product type. Each message type can correspond to a message formatting structure.

[0063] The message formatting structure can be a pre-defined structured message template containing the various fields of the message structure data; for example, it can be a pb structure (Protocol Buffers Structure). The message structure data is obtained by filling the fields involved in the message formatting structure with the corresponding message content of the target message.

[0064] For example, a Protobuf parser can be used to parse message structure data and string card messages. A Protobuf parser consists of an encoder and a decoder. The encoder encodes the message structure data for parsing, and the decoder decodes the string card messages for parsing.

[0065] For example, the above-mentioned parsing and encryption of message structure data to obtain the string card message corresponding to the message content includes: serializing the message structure data to obtain a binary byte stream; and encrypting the binary byte stream to obtain the string card message.

[0066] For example, the above process of decrypting and parsing the string card message to obtain message structure data includes: decrypting the string card message; and deserializing the decrypted string card message to obtain message structure data.

[0067] In addition, before displaying the message content in card format, the message content can be judged, for example, whether the message content is complete. If the judgment is successful, the message content can be displayed in card format to obtain the target card message.

[0068] For example, such as Figure 8As shown, the process of the online communication platform corresponding to the first client sending the target message to the second client includes: obtaining the original card data, i.e., the message content of the target message; encoding and encrypting the message content through a parser to obtain encrypted card data, i.e., the string card message corresponding to the message content; and sending the string card message corresponding to the message content to the second client. The process of the second client receiving and displaying the target card message includes: obtaining the encrypted card data; decoding and decrypting the encrypted card data through a parser to obtain the original card data; and displaying the original card data to obtain a message list containing the target card message.

[0069] The overall technical solution of this application is illustrated below with diagrams: For example, in conjunction with the above embodiments, such as Figure 9 As shown, the CRM backend can first configure the investment advisor's IM number (primary communication account) and license number, and then associate the license number with the primary communication account. The first client can connect to the online communication platform through the CRM system, allowing the primary communication account to communicate with the investor's corresponding secondary communication account through the chat interface displayed on the online communication platform within the first client. The second client can connect to the online communication platform through the investor's access to the private zone's dedicated customer service link, allowing the second communication account to communicate with the investment advisor's corresponding primary communication account through the chat interface displayed on the online communication platform within the second client. After confirming the investor's signing of the investment advisory agreement, the second client can synchronize the signing status to the first client. Then, the first client can send a risk assessment message (or information) to the second client, which can then display a risk assessment card. The investor can click on the risk assessment card, and the second client can respond by redirecting to the risk assessment questionnaire page, simultaneously synchronizing the completed risk assessment status to the first client. Next, the first client can send product information (virtual resource information) to the second client, which can then display a product card (virtual resource recommendation card message). Investors can click on the product card, and the second client can respond to the click by redirecting to the order page and placing an order.

[0070] The technical solution presented in this application enables virtual resource trading across various trading markets through a fully online process, including "signing an investment advisory agreement, risk assessment, product recommendation, and order placement guidance." This effectively addresses the compliance risks and poor customer experience inherent in traditional offline operating models. The aforementioned process ensures that investors complete necessary pre-processes such as signing an investment advisory agreement and undergoing risk assessment before placing an order, guaranteeing that every operation complies with regulatory requirements and is traceable.

[0071] In addition, the above embodiments can seamlessly embed the entire investment advisory service process into the communication scenario, avoiding the need for investors to sign documents offline multiple times, and allowing them to experience all operations such as agreement signing, risk assessment, product understanding and order placement in a one-stop, smooth manner.

[0072] Furthermore, card messages can be used as an interactive medium, which not only has a visually striking display effect, making it easy for investors to obtain information in a timely manner, but also aggregates key information, operation buttons and jump links into one interface, making the message content presentation more intuitive, easy to understand and easy to operate, improving the visual display effect and the overall user experience, and ensuring the smooth execution of the above operation steps.

[0073] Figure 10 This is a schematic diagram of a message transmission device based on virtual resources provided in an embodiment of this application. Figure 10 As shown, the message transmission device 1000 based on virtual resources includes: a risk assessment module 1001, a resource acquisition module 1002, a resource sending module 1003, an order processing module 1004, a protocol signing module 1005, a message sending module 1006, and a card rendering module 1007, wherein: In one embodiment, the risk assessment module 1001 is used to send risk assessment information to a second client logged in by a second communication account through a first communication account on an online communication platform. The risk assessment information instructs the second client to render and display a risk assessment card message. The resource acquisition module 1002 is used to acquire risk assessment input information sent by the second client in response to the risk assessment card message, and acquire virtual resource information based on the risk input information. The resource sending module 1003 is used to send virtual resource information to the second client through the first communication account. The virtual resource information is used to instruct the second client to render and display a virtual resource recommendation card message. The order processing module 1004 is used to acquire virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generate target order information, and execute virtual resource transaction operations based on the second communication account and the target order information.

[0074] For example, the agreement signing module 1005 is used to: in response to the first communication account and the second communication account entering the session room of the online communication platform, obtain the licensing information associated with the first communication account and the investment advisory agreement signing information of the second communication account; if the licensing information associated with the first communication account is in a licensed state and the investment advisory agreement signing information of the second communication account is in an unsigned state, send the investment advisory agreement information to the second client logged in by the second communication account through the first communication account.

[0075] For example, the resource acquisition module 1002 is specifically used to: acquire the risk assessment questionnaire page that the second client is redirected to by triggering the risk assessment card message, and the risk assessment input information filled in based on the risk assessment questionnaire page.

[0076] For example, the resource sending module 1003 is specifically used to: in response to triggering the following steps, send virtual resource information to the second communication account through the first communication account: determine that the first communication account is associated with a license number; determine that the investor corresponding to the second communication account has signed the corresponding investment advisory agreement; determine that the second client has sent risk assessment input information.

[0077] For example, the order processing module 1004 is specifically used to: respond to the second client's trigger operation on the virtual resource recommendation card message, enter the virtual resource order page through the second client; obtain the virtual resource input information based on the order page, and generate the target order information.

[0078] For example, the target message includes any one of the following: risk assessment information, virtual resource information, or investment advisory agreement information; the message sending module 1006 is used to: determine the message format structure according to the message type corresponding to the target message; obtain the message content corresponding to the target message and fill the message content into the fields of the message format structure to obtain message structure data; parse and encrypt the message structure data to obtain the string card message corresponding to the message content; and send the string card message to the second communication account through the first communication account.

[0079] For example, the target message instructs the second client to render and display a target card message, including any of the following: a risk assessment card message, a virtual resource recommendation card message, or an investment advisory agreement card message; the card rendering module 1007 is used to: decrypt and parse the string card message to obtain message structure data; restore the message structure data to obtain message content; and display the message content in card form to obtain the displayed target card message.

[0080] It should be understood that the device embodiments and method embodiments can correspond to each other, and similar descriptions can be found in the method embodiments. To avoid repetition, further details are omitted here. Specifically, Figure 10 The apparatus 1000 shown can execute the above-described method embodiments, and the aforementioned and other operations and / or functions of each module in the apparatus 1000 are respectively for implementing the corresponding processes in the above-described methods. For the sake of brevity, they will not be described in detail here.

[0081] The apparatus 1000 of this application embodiment has been described above from the perspective of functional modules in conjunction with the accompanying drawings. It should be understood that this functional module can be implemented in hardware, in software instructions, or in a combination of hardware and software modules. Specifically, the steps of the method embodiments in this application can be completed by integrated logic circuits in the processor's hardware and / or by software instructions. The steps of the method disclosed in this application embodiment can be directly embodied as being executed by a hardware decoding processor, or by a combination of hardware and software modules in the decoding processor. Optionally, the software module can be located in a mature storage medium in the art, such as random access memory, flash memory, read-only memory, programmable read-only memory, electrically erasable programmable memory, registers, etc. This storage medium is located in memory, and the processor reads information from the memory and, in conjunction with its hardware, completes the steps in the above method embodiments.

[0082] Figure 11 This is a schematic diagram of an electronic device provided in an embodiment of this application. Figure 11 As shown, the electronic device 1100 may include: The system includes a memory 1110 and a processor 1120. The memory 1110 stores computer programs and transfers the program code to the processor 1120. In other words, the processor 1120 can retrieve and run the computer program from the memory 1110 to implement the methods described in the embodiments of this application.

[0083] For example, the processor 1120 can be used to execute the above-described method embodiments according to instructions in the computer program.

[0084] In some embodiments of this application, the processor 1120 may include, but is not limited to: General-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc.

[0085] In some embodiments of this application, the memory 1110 includes, but is not limited to: Volatile memory and / or non-volatile memory. Non-volatile memory can be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory can be random access memory (RAM), used as an external cache. By way of example, but not limitation, many forms of RAM are available, such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDR SDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), and Direct Rambus RAM (DR RAM).

[0086] In some embodiments of this application, the computer program may be divided into one or more modules, which are stored in the memory 1110 and executed by the processor 1120 to complete the method provided in this application. The one or more modules may be a series of computer program instruction segments capable of performing specific functions, which describe the execution process of the computer program in the electronic device.

[0087] like Figure 11 As shown, the electronic device may further include: Transceiver 1130, which can be connected to processor 1120 or memory 1110.

[0088] The processor 1120 can control the transceiver 1130 to communicate with other devices; specifically, it can send information or data to other devices or receive information or data sent by other devices. The transceiver 1130 may include a transmitter and a receiver. The transceiver 1130 may further include antennas, and the number of antennas may be one or more.

[0089] It should be understood that the various components in the electronic device are connected through a bus system, which includes a data bus, a power bus, a control bus, and a status signal bus.

[0090] This application also provides a computer storage medium storing a computer program thereon, which, when executed by a computer, enables the computer to perform the methods of the above-described method embodiments. Alternatively, embodiments of this application also provide a computer program product containing instructions that, when executed by a computer, cause the computer to perform the methods of the above-described method embodiments.

[0091] When implemented using software, it can be implemented entirely or partially as a computer program product. This computer program product includes one or more computer instructions. When these computer program instructions are loaded and executed on a computer, the computer can perform all or part of the corresponding processes in the methods of the embodiments of this application, producing the functions achievable by the methods of the embodiments of this application. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that integrates one or more available media. The available media can be magnetic media (e.g., floppy disks, hard disks, magnetic tapes), optical media (e.g., digital video discs (DVDs)), or semiconductor media (e.g., solid state disks (SSDs)).

[0092] Those skilled in the art will recognize that the modules and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0093] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of modules is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple modules or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or modules may be electrical, mechanical, or other forms.

[0094] The modules described as separate components may or may not be physically separate. The components shown as modules may or may not be physical modules; that is, they may be located in one place or distributed across multiple network units. Some or all of the modules can be selected to achieve the purpose of this embodiment according to actual needs. For example, the functional modules in the various embodiments of this application may be integrated into one processing module, or each module may exist physically separately, or two or more modules may be integrated into one module.

[0095] The above are merely specific embodiments of this application, but the scope of protection of this application is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

Claims

1. A method for message transmission based on virtual resources, characterized in that, The method comprises the following steps: sending risk assessment information to a second client logged in by a second communication account through a first communication account under an online communication platform, wherein the risk assessment information indicates that the second client renders and displays a risk assessment card message; obtaining risk assessment input information sent by the second client in response to the risk assessment card message, and obtaining virtual resource information based on the risk assessment input information; sending the virtual resource information to the second client through the first communication account, wherein the virtual resource information is used to instruct the second client to render and display a virtual resource recommendation card message; obtaining virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generating target order information, and performing a virtual resource transaction operation based on the second communication account and the target order information.

2. The method of claim 1, wherein, Before the step of sending risk assessment information to a second client logged in by a second communication account through a first communication account under an online communication platform, the method further comprises the following steps: in response to the first communication account and the second communication account entering a session room of the online communication platform, obtaining the license information associated with the first communication account and the investment advisor agreement signing information of the second communication account; if the license information associated with the first communication account is in a licensed state and the investment advisor agreement signing information of the second communication account is in an unsigned state, sending investment advisor agreement information to the second client logged in by the second communication account through the first communication account.

3. The method of claim 1, wherein, The step of obtaining risk assessment input information sent by the second client in response to the risk assessment card message comprises the following steps: obtaining risk assessment input information filled in the risk assessment questionnaire page jumped to by the risk assessment card message.

4. The method of claim 1, wherein, The step of sending the virtual resource information to the second communication account through the first communication account comprises the following steps: in response to triggering the following steps, sending the virtual resource information to the second communication account through the first communication account: determining that the first communication account is associated with a license number; determining that the investor corresponding to the second communication account has signed the corresponding investment advisor agreement; determining that the second client has sent the risk assessment input information.

5. The method of claim 1, wherein, The step of obtaining virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generating target order information, comprises the following steps: in response to the triggering operation of the second client on the virtual resource recommendation card message, entering a virtual resource order page through the second client; obtaining the virtual resource input information based on the order page to generate the target order information.

6. The method according to any one of claims 1 to 5, characterized in that, The target message comprises any one of the following: the risk assessment information, the virtual resource information, and the investment advisor agreement information. The step of sending the target message to the second client through the first communication account comprises the following steps: determining a message formatting structure according to the message type corresponding to the target message; obtaining the message content corresponding to the target message, and filling the message content into the field of the message formatting structure to obtain message structure data; The message structure data is parsed and encrypted to obtain a string card message corresponding to the message content; The first communication account is used to send the string card message to the second client.

7. The method of claim 6, wherein, The target message indicates that the second client renders and displays a target card message, which includes any of the following: the risk assessment card message, the virtual resource recommendation card message, and the consultant agreement card message. The second client renders and displays the target card message indicated by the target message, which includes: The string card message is decrypted and parsed to obtain the message structure data; The message structure data is restored to obtain the message content; The message content is displayed in the form of a card to obtain a displayed target card message.

8. A virtual resource based message transmission apparatus, comprising: It includes: A risk assessment module is configured to send risk assessment information to a second client logged in by a second communication account via a first communication account under an online communication platform, wherein the risk assessment information indicates that the second client renders and displays a risk assessment card message; A resource acquisition module is configured to acquire risk assessment input information sent by the second client in response to the risk assessment card message, and acquire virtual resource information based on the risk assessment input information; A resource sending module is configured to send the virtual resource information to the second client via the first communication account, wherein the virtual resource information is used to indicate that the second client renders and displays a virtual resource recommendation card message; An order processing module is configured to acquire virtual resource input information sent by the second client in response to the virtual resource recommendation card message, generate target order information, and perform a virtual resource transaction operation based on the second communication account and the target order information.

9. An electronic device, comprising: It includes: A processor; And A memory for storing executable instructions of the processor; Wherein the processor is configured to execute the executable instructions to perform the method of any one of claims 1-7.

10. A computer-readable storage medium having stored thereon a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-7.

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