Information interaction method, electronic equipment and system

By constructing an intelligent agent system architecture and using a large model to identify user intent and dynamically recommend resource transfer tools, the problem of insufficient intelligence and convenience in the payment process of electronic devices is solved, realizing an intelligent, convenient and secure shopping and payment process.

CN121998744APending Publication Date: 2026-05-08CHINABANK PAYMENT (BEIJING) TECH CO LTD
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Patent Information

Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
CHINABANK PAYMENT (BEIJING) TECH CO LTD
Filing Date
2026-02-09
Publication Date
2026-05-08

AI Technical Summary

Technical Problem

The existing electronic payment process lacks sufficient intelligence and convenience, especially in the payment operation process, resulting in a poor user experience.

Method used

By constructing a system architecture that includes a first intelligent agent and a second intelligent agent, a large model is used to identify user intent and achieve a seamless shopping and payment process. Resource transfer tools are dynamically recommended, verification method switching and binding are supported, and information is displayed using card-style controls, thereby improving the intelligence and convenience of the payment process.

Benefits of technology

It enables users to enjoy a smart, convenient, and secure shopping and payment process in intelligent agent applications, especially improving the intelligence and convenience of the payment process and enhancing the user experience.

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Abstract

The invention provides an information interaction method, electronic equipment and an information interaction system, and relates to the technical field of computers. The method comprises: in response to a first instruction sent by a user to a first agent, displaying order information for a target article on an interactive interface associated with the first agent, the first instruction being used for instructing to order the target article; associated information for resource transfer of the order is displayed, and the associated information is determined by a second agent under triggering of the first agent; and in response to a second instruction of the user, displaying a resource transfer result of the order, the second instruction being used for indicating confirmation of resource transfer of the order. According to the method, the whole process of intelligent and convenient article ordering and payment can be realized by means of the first agent and the second agent, and the service experience of a user is improved.
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Description

Technical Field

[0001] This disclosure relates to the field of computer technology, and in particular to an information interaction method, electronic device, and system. Background Technology

[0002] Currently, some general-purpose smart applications or merchant smart applications on electronic devices (such as mobile phones) can help users place orders and make payments within the current application interface. However, current solutions merely embed the shopping and payment processes into the application's interaction flow, resulting in shortcomings in user experience and intelligence, particularly in payment intelligence and convenience. For example, in the payment process, users can only follow the payment operation process in traditional payment applications, and the interactive intelligence and convenience of the payment process lag behind other processes. Summary of the Invention

[0003] This disclosure provides an information exchange method, electronic device, and system.

[0004] According to a first aspect of this disclosure, an information interaction method is proposed, comprising: in response to a first instruction sent by a user to a first intelligent agent, displaying order information for a target item on an interactive interface associated with the first intelligent agent, wherein the first instruction is used to instruct the placement of an order for the target item; displaying associated information for resource transfer of the order, wherein the associated information is determined by a second intelligent agent upon triggering by the first intelligent agent; and in response to a second instruction from the user, displaying the resource transfer result of the order, wherein the second instruction is used to instruct confirmation of resource transfer of the order.

[0005] In some embodiments, displaying order information for a target item and displaying associated information for resource transfer related to the order includes: continuously displaying order information for the target item and the associated information; or first displaying order information for the target item; and then displaying the associated information in response to a third instruction from the user, wherein the third instruction is used to indicate confirmation of the order.

[0006] In some embodiments, when the user is a first type of user, the associated information for resource transfer for the order includes recommendation information for a first resource transfer tool, which is determined by a second agent from at least one candidate resource transfer tool.

[0007] In some embodiments, when the user is a second type of user, the associated information for resource transfer for the order includes contract signing prompt information and recommendation information for the first resource transfer tool, wherein the first resource transfer tool is determined by the second agent from at least one candidate resource transfer tool; and the display of the resource transfer result of the order in response to the user's second instruction includes: displaying the resource transfer result of the order after receiving the user's second instruction and fourth instruction, wherein the fourth instruction is used to instruct the user to confirm the contract signing.

[0008] In some embodiments, the first resource transfer tool is determined based on at least one of the user's session context, the identification result of the user's resource transfer intent, the detection information of the current environment, and the user's profile features.

[0009] In some embodiments, displaying the associated information for resource transfer for the order further includes: after displaying the recommendation information of the first resource transfer tool, in response to a fifth instruction from the user, displaying the recommendation information of a second resource transfer tool, wherein the second resource transfer tool is re-determined by the second intelligent agent, and the fifth instruction is used to instruct the switching of the resource transfer tool.

[0010] In some embodiments, when the user is a third type of user, the associated information for resource transfer of the order includes a prompt message for binding the resource transfer tool and a contract signing prompt message; and the display of the resource transfer result of the order in response to the user's second instruction includes: in response to the user's fourth and sixth instructions, displaying a prompt message for adding an account in the resource transfer tool, wherein the fourth instruction is used to instruct the user to confirm the contract signing, the sixth instruction is used to instruct the user to confirm binding the resource transfer tool, and the prompt message for adding the account of the resource transfer tool is determined by the second intelligent agent; after the user completes the account addition operation, in response to the second instruction, displaying the resource transfer result of the order.

[0011] In some embodiments, the information interaction method further includes: displaying recommended information for binding other resource transfer tools, wherein the other resource transfer tools are determined by the second intelligent agent; and, if the user confirms binding other resource transfer tools, displaying a prompt message for adding the account of the other resource transfer tools so that the user can bind the account of the other resource transfer tools.

[0012] In some embodiments, in response to the user's second instruction, displaying the resource transfer result of the order includes: displaying a prompt message indicating that verification is performed using a target verification method, wherein the target verification method is determined by the second agent from at least one candidate verification method; and displaying the resource transfer result of the order if the user successfully verifies the order using the target verification method.

[0013] In some embodiments, the target verification method is determined based on at least one of the user's session context, the identification result of the user's resource transfer intention, and the detection information of the current environment, as well as the user's profile features; and / or, the at least one candidate verification method includes one or more of voice verification, voiceprint verification, face verification, fingerprint verification, iris verification, gesture verification, SMS verification code verification, and password verification.

[0014] In some embodiments, the information interaction method further includes: displaying recommended information for enabling other verification methods, wherein the other verification methods are determined by the second intelligent agent; and, if the user confirms enabling the other verification methods, displaying operation guidance information and / or activation result information for enabling the other verification methods.

[0015] In some embodiments, displaying the associated information for resource transfer for the order includes: displaying the associated information for resource transfer for the order based on one or more card-style controls.

[0016] In some embodiments, the method is performed by an electronic device, which may be a mobile terminal, an in-vehicle device, or a wearable device.

[0017] According to a second aspect of this disclosure, an information interaction method is provided, executed by a first intelligent agent, comprising: generating order information for a target item in response to a first instruction from a user, the first instruction being used to instruct the user to place an order for the target item; receiving associated information for resource transfer of the order from the second intelligent agent after sending a first notification message to the second intelligent agent; sending the order information and the associated information to an electronic device; sending a second notification message to the second intelligent agent in response to a second instruction from the user, the second instruction being used to instruct the user to confirm the resource transfer of the order; receiving the resource transfer result of the order from the second intelligent agent and sending the resource transfer result to the electronic device.

[0018] According to a third aspect of this disclosure, an information interaction method is provided, executed by a second intelligent agent, comprising: receiving a first notification message from a first intelligent agent, the first notification message being sent by the first intelligent agent after receiving a first instruction from a user, the first instruction being used to instruct the placement of an order for a target item; using a large model to determine associated information for resource transfer of the order; sending the associated information to the first intelligent agent; after receiving a second notification message from the first intelligent agent, performing resource transfer of the order, the second notification message being sent by the first intelligent agent after receiving a second instruction from the user, the second instruction being used to instruct confirmation of resource transfer of the order; and sending the resource transfer result of the order to the first intelligent agent, so that the first intelligent agent provides the resource transfer result to the user.

[0019] According to a fourth aspect of this disclosure, an electronic device is provided, comprising: a module for performing the information interaction method as described above.

[0020] According to a fifth aspect of this disclosure, an electronic device is provided, comprising: a memory; and a processor coupled to the memory, the processor being configured to perform the information processing method as described above based on instructions stored in the memory.

[0021] According to a sixth aspect of this disclosure, an information interaction system is provided, comprising: an electronic device as described above, a first intelligent agent, and a second intelligent agent.

[0022] According to a seventh aspect of this disclosure, a computer-readable storage medium is provided that stores computer instructions thereon, which, when executed by a processor, implement the information interaction method as described above.

[0023] According to a sixth aspect of this disclosure, a computer program product is provided, on which computer program instructions are stored, which, when executed by a processor, implement the information interaction method as described above.

[0024] Other features and advantages of this disclosure will become clear from the following detailed description of exemplary embodiments with reference to the accompanying drawings. Attached Figure Description

[0025] The accompanying drawings, which form part of this specification, illustrate embodiments of this disclosure and, together with the specification, serve to explain the principles of this disclosure.

[0026] Figure 1 This is a schematic diagram of a system architecture for implementing an information interaction method according to some embodiments of the present disclosure;

[0027] Figure 2This is a flowchart illustrating an information interaction method according to some embodiments of the present disclosure;

[0028] Figure 3 This is a flowchart illustrating an information interaction method according to other embodiments of this disclosure;

[0029] Figure 4 This is a schematic diagram of the interaction flow of a first type of user according to some embodiments of this disclosure;

[0030] Figure 5 This is a schematic diagram of the interactive interface of a first type of user according to some embodiments of this disclosure;

[0031] Figure 6 This is a schematic diagram of the interaction flow of a second type of user according to some embodiments of this disclosure;

[0032] Figure 7 This is a schematic diagram of the interaction interface of a second type of user according to some embodiments of this disclosure;

[0033] Figure 8 This is a schematic diagram of the interaction flow of a third type of user according to some embodiments of this disclosure;

[0034] Figure 9 This is a schematic diagram of the interaction interface of a third type of user according to some embodiments of this disclosure;

[0035] Figure 10 This is a flowchart illustrating an information interaction method according to some embodiments of the present disclosure;

[0036] Figure 11 These are schematic diagrams of the structure of an electronic device according to some embodiments of the present disclosure;

[0037] Figure 12 This is a schematic diagram of the structure of an information interaction system according to some embodiments of the present disclosure;

[0038] Figure 13 This is a schematic diagram of the structure of an information interaction system according to other embodiments of the present disclosure.

[0039] Figure 14 This is a schematic diagram of the structure of an information interaction system according to some embodiments of the present disclosure.

[0040] This disclosure can be more clearly understood with reference to the accompanying drawings and the following detailed description. Detailed Implementation

[0041] Various exemplary embodiments of the present disclosure will now be described in detail with reference to the accompanying drawings. It should be noted that, unless otherwise specifically stated, the relative arrangement, numerical expressions, and values ​​of the components and steps set forth in these embodiments do not limit the scope of the present disclosure.

[0042] At the same time, it should be understood that, for ease of description, the dimensions of the various parts shown in the accompanying drawings are not drawn according to actual scale.

[0043] The following description of at least one exemplary embodiment is merely illustrative and is in no way intended to limit this disclosure or its application or use.

[0044] Techniques, methods, and equipment known to those skilled in the art may not be discussed in detail, but where appropriate, such techniques, methods, and equipment should be considered part of the specification.

[0045] In all examples shown and discussed herein, any specific values ​​should be interpreted as merely exemplary and not as limitations. Therefore, other examples of exemplary embodiments may have different values.

[0046] It should be noted that similar labels and letters in the following figures indicate similar items; therefore, once an item is defined in one figure, it does not need to be discussed further in subsequent figures.

[0047] It should be noted that the collection, gathering, updating, analysis, processing, use, transmission, and storage of user personal information involved in this disclosed technical solution all comply with relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken to prevent unauthorized access to user personal information data and to safeguard user personal information security, network security, and national security.

[0048] To make the objectives, technical solutions, and advantages of this disclosure clearer, the following detailed description is provided in conjunction with specific embodiments and the accompanying drawings.

[0049] To address the shortcomings of existing solutions for shopping and payment through general smart applications or merchant smart applications in related technologies, this disclosure provides an information interaction method, electronic device, and system.

[0050] Figure 1 This is a schematic diagram of a system architecture for implementing an information interaction method according to some embodiments of this disclosure. For example... Figure 1 As shown, the system architecture includes user 1, first agent 2, and second agent 3.

[0051] User 1, as the main entity for shopping and payment, can interact with the first intelligent agent 2 through an electronic device. Interaction methods include one or more forms such as text input, voice input, and clicking, swiping, or touching interactive controls. The electronic device may include a first application accessed by the user. Because the first application can deploy or invoke the first intelligent agent (Artificial Intelligence Agent, AI Agent), it can also be called an "intelligent agent application." In some examples, the first application is a general-purpose application or a merchant application.

[0052] Intelligent agents deeply couple the cognitive capabilities of large language models (LLMs) with their tool-calling capabilities, achieving automated task processing through a closed loop of "perception, planning, and action." They can not only answer questions but also proactively complete a series of tasks. Intelligent agents can be software, hardware, or a system.

[0053] In this embodiment of the disclosure, the intelligent agent includes a first intelligent agent and a second intelligent agent. Both the first and second intelligent agents can be deployed in an electronic device, in the cloud, or in other deployment methods. For example, the first intelligent agent may be deployed in an electronic device, and the second intelligent agent may be deployed in the cloud. The first and second intelligent agents can be associated with different applications. For example, the first intelligent agent may be associated with a first application (e.g., a general application or a merchant application), and may be deployed on or invoked by the first application. The second intelligent agent may be associated with a second application (e.g., a payment application), and may be deployed on or invoked by the second application.

[0054] The first intelligent agent 2 can interact with the user through an interface associated with it on an electronic device, using a large model to identify various user intentions and perform certain tasks according to those intentions. The first intelligent agent 2 can be deployed in general applications or in enterprise applications.

[0055] The second intelligent agent 3 is an intelligent agent deployed or invoked by a second application. For example, the second application is a payment application. In some embodiments, the second intelligent agent 3 can communicate with the first intelligent agent 2 to provide users with payment-related artificial intelligence services. In other embodiments, the first application can invoke the second intelligent agent 3 through the second application. The second intelligent agent can perform calculations and reasoning based on user input information to generate corresponding content as system feedback or service response. By flexibly recommending and invoking the user's payment tools and / or dynamically verifying the user's identity, it assists the user in automatically placing orders and making payments through the intelligent agent application.

[0056] It should be noted that, in this embodiment, users can seamlessly complete the entire shopping and payment process through the first application without manually switching applications. To achieve the above effect, a solution can be adopted to integrate other applications, such as a second application, into the first application via an SDK, or other solutions can also be used.

[0057] In this embodiment of the disclosure, by constructing the system architecture including the first intelligent agent and the second intelligent agent, the intelligence and convenience of payment during the user's shopping and payment process based on the intelligent agent application can be improved, further enhancing the user's service experience.

[0058] Figure 2 This is a flowchart illustrating an information interaction method according to some embodiments of this disclosure. For example... Figure 2 As shown, the information interaction method can be executed by an electronic device, and the method includes steps 21 to 23.

[0059] In step 21, in response to the first instruction sent by the user to the first intelligent agent, order information for the target item is displayed on the interactive interface associated with the first intelligent agent.

[0060] The first instruction is used to instruct the user to place an order for the target item. The first instruction can be a voice or text command input by the user to the interactive interface presented by a first application on the electronic device, or a command sent by the user by clicking an interactive control on that interface. This interactive interface is associated with a first intelligent agent. For example, when the first application is a general AI application, the user can input the first instruction by clicking the "text input control" or "voice input control" on the main interface of the general AI application. For example, when the first application is a merchant AI application, the user can first find the AI ​​module (such as the "AI Assistant" module) in the application, and then input the first instruction by clicking the "text input control" or "voice input control" on the AI ​​module's interactive interface.

[0061] The target item can be a physical product or a virtual product (such as various services). The order information for the target item includes, but is not limited to, information about the target item, delivery address, shipping information, and total amount.

[0062] In some embodiments, the electronic device sends a first instruction to a first intelligent agent via a first application. Upon receiving the first instruction, the first intelligent agent uses a first machine learning model to perform intent recognition on the instruction, thereby obtaining a first intent recognition result. The first machine learning model can be a large model. The first intent recognition result indicates an intent to place an order for the target item. Subsequently, the first intelligent agent acquires or generates order information for the target item and displays the order information through the electronic device.

[0063] In some embodiments, the intent to place an order and the intent to purchase are categorized as the same intent. For example, when a user's first instruction is "buy product A", the first intelligent agent recognizes it as an intent to place an order and then displays the order information for product A through an electronic device.

[0064] In some embodiments, order placement intent and purchase intent are categorized as different intents. For example, when the user inputs the instruction "Buy product A", the first intelligent agent recognizes it as a purchase intent. Subsequently, an order inquiry message is displayed to the user through the electronic device's interface. For example, the following order inquiry message is displayed to the user: "Hello, would you like to place an order now?" When the user inputs the instruction "Please place an order", the first intelligent agent recognizes it as an order placement intent. Subsequently, the order information for product A is displayed through the electronic device.

[0065] In step 22, the associated information for resource transfer related to the order is displayed. This associated information is determined by the second intelligent agent.

[0066] In the first example method, triggered by the first agent, the second agent performs the operation of determining the association information. Afterwards, the second agent sends the association information to the first application through the first agent, and displays it to the user through the first application's page.

[0067] In the second example, the second application is integrated into the first application as an SDK. The first application triggers the second agent to perform the operation of determining the associated information through the second application. Afterwards, the second agent sends the associated information to the second application and displays it to the user through the second application's page. Furthermore, other information or instruction transmission operations related to the second agent in the information interaction method can also adopt the above two methods. In addition, in specific implementations,

[0068] The second agent can also be triggered to perform the operation of determining the associated information through other means.

[0069] Resource transfer can be understood as payment. For example, transferring resources for an order can be understood as making payment based on currency or virtual assets (such as e-vouchers or points). In practice, the associated information for resource transfers for orders can be displayed in various ways. The following provides examples of two methods.

[0070] In the first approach, step 22 includes: responding to the user's first instruction by continuously displaying order information for the target item and related information on resource transfer for the order. For example, after the user issues the first instruction, the order information for the target item and related information on resource transfer for the order are directly displayed on the same interactive page on the electronic device. In this embodiment of the disclosure, by adopting the first approach, after receiving the user's first instruction, the order information for the target item that the user wants to purchase and the information related to resource transfer can be displayed to the user without requiring any further instructions from the user, thus improving the convenience of user operation. This helps to improve the user's service experience.

[0071] In the second approach, step 22 includes: responding to a first user instruction, displaying order information for the target item; then, responding to a third user instruction, displaying associated information regarding resource transfer for the order. The third instruction is used to indicate confirmation of the order. The third instruction can be a voice or text command input by the user to the electronic device, or a command sent by the user by clicking an interactive control on the interface. For example, the third instruction could be natural language such as "confirm order" or "order is fine." In this embodiment of the disclosure, by adopting the second approach, the capabilities of the intelligent agent can be leveraged to achieve refined recognition of user intent, facilitating more refined and intelligent user interaction based on the intent recognition results. This helps improve the user's service experience.

[0072] In both of the above methods, the associated information for transferring resources for an order includes, but is not limited to, one or more of the following: recommended information for resource transfer tools, signing prompts required for resource transfer, and prompts for binding resource transfer tools.

[0073] In some embodiments, different association information is displayed for different user categories. In these embodiments, the second agent can determine the association information to be displayed in the following exemplary manner: after receiving a first notification message from the first agent, it uses a second machine learning model to determine the user's category, and then determines the association information that matches the user's category. The second machine learning model can be a large model.

[0074] In some examples, users are categorized into three groups. If a user belongs to the first group, the associated information includes recommendations for the first resource transfer tool. If a user belongs to the second group, the associated information includes subscription prompts and recommendations for the first resource transfer tool. If a user belongs to the third group, the associated information includes prompts to bind the resource transfer tool and subscription prompts.

[0075] In this embodiment of the disclosure, by utilizing a second intelligent agent to perform the above operations, the relevant information to be displayed to the user can be determined more intelligently and dynamically. This improves the user's service experience when placing orders and making payments based on intelligent agent applications, particularly enhancing the intelligence and convenience of the payment process.

[0076] In some embodiments, in step 22, associated information regarding resource transfer for an order is displayed using one or more card-based controls. By using card-based controls to display this information, compared to the traditional pop-up half-screen page method used in AI interaction scenarios, a seamless interactive experience can be provided to the user, improving the continuity of the interaction.

[0077] In step 23, in response to the user's second instruction, the resource transfer result of the order is displayed. The second instruction is used to indicate confirmation of the resource transfer for the order. The second instruction can be a voice or text instruction entered by the user, or it can be an instruction sent by the user by clicking an interactive control on the interface. For example, the second instruction could be the user's voice message "Confirm Payment".

[0078] In some embodiments, the electronic device sends a second instruction to a first intelligent agent. The first intelligent agent uses a first machine learning model (e.g., a large model) to perform intent recognition on the second instruction to obtain a second intent recognition result. The second intent recognition result is an intent to transfer resources for an order. Then, the resource transfer result of the order can be obtained in the following exemplary manner: the first intelligent agent sends a notification message for resource transfer of the order to a second intelligent agent to trigger the second intelligent agent to perform resource transfer for the order; the second intelligent agent performs resource transfer by calling the server of the resource transfer system; the second intelligent agent sends the resource transfer result to the electronic device. Alternatively, the resource transfer result of the order can also be obtained in the following exemplary manner: a first application calls a second intelligent agent through a second application to trigger the second intelligent agent to perform resource transfer for the order; the second intelligent agent performs resource transfer by calling the server of the resource transfer system; the second intelligent agent sends the resource transfer result to the electronic device.

[0079] In this embodiment of the disclosure, the above method enables users to achieve a more intelligent and convenient ordering and payment process for goods through the first and second intelligent agents, especially improving the intelligence and convenience of the payment process and enhancing the user's service experience.

[0080] Figure 3 This is a flowchart illustrating an information interaction method according to other embodiments of this disclosure. For example... Figure 3 As shown, the information interaction method includes steps 31 to 34.

[0081] In step 31, in response to the first instruction sent by the user to the first intelligent agent, order information for the target item is displayed on the interactive interface associated with the first intelligent agent.

[0082] In step 32, the associated information for resource transfer for the order is displayed.

[0083] For details on how to perform steps 31 and 32, please refer to the relevant descriptions in the embodiments described above.

[0084] In step 33, in response to the user's second instruction, a prompt message is displayed indicating that verification should be performed using the target verification method.

[0085] There are multiple implementations for step 33. Two implementations are illustrated below.

[0086] In the first embodiment, user authentication is performed under all circumstances. In this embodiment, step 33 may include: after receiving a second instruction from the user, obtaining a prompt message from the second intelligent agent indicating that authentication should be performed using the target authentication method, and then displaying the prompt message indicating that authentication should be performed using the target authentication method.

[0087] In the second implementation, user verification is performed only in certain cases. In this implementation, step 33 may include: after receiving a second instruction from the user, sending a notification message to a second intelligent agent via a first intelligent agent; if the second intelligent agent determines that user verification is required, sending a prompt message indicating that verification using a target verification method is required to an electronic device via the first intelligent agent. Furthermore, if the second intelligent agent determines that user verification is not required, sending the order's resource transfer result to the electronic device via the first intelligent agent, and then the electronic device displays the order's resource transfer result.

[0088] Alternatively, in a second implementation, the second application is integrated into the first application. Step 33 may include: after receiving the user's second instruction, sending a notification message to the second intelligent agent through the second application integrated into the first application; if the second intelligent agent determines that user verification is required, sending a prompt message indicating that verification using the target verification method is required to the electronic device through the second application. Furthermore, if the second intelligent agent determines that user verification is not required, sending the order's resource transfer result to the electronic device through the second application, and then the electronic device displays the order's resource transfer result.

[0089] The target verification method is determined by the second intelligent agent from at least one candidate verification method. For example, at least one candidate verification method may include one or more of the following: voice verification, voiceprint verification, face verification, fingerprint verification, iris verification, gesture verification, SMS verification code verification, and password verification.

[0090] In some embodiments, the second agent determines the target verification method as follows: based on at least one of the following: the user's session context, the identification result of the user's resource transfer intention as recognized by the first agent, and the detection information of the current environment, as well as the user's profile features, the target verification method is determined from at least one candidate verification method. The user's profile features include, but are not limited to, one or more of the following: the user's preference information for verification methods, the user's age, occupation, and the user's historical payment records. The detection information of the current environment includes, but is not limited to, one or more of the following: the user's current geographical location, environmental image, and environmental noise. The current geographical location may reflect whether the user is currently in a relatively private and secure environment or a relatively public and insecure environment; the environmental image may reflect the number of other people in the current payment scenario; and the environmental noise may reflect whether the current payment environment is relatively quiet or relatively noisy.

[0091] For example, the second agent constructs prompts based on the user's conversation context and user profile features; these prompts are then input into a large model to obtain the target verification method output by the model. The user's conversation context includes not only the user's second instruction but also instructions issued before issuing the second instruction. By considering both the user's conversation context and user profile features when determining the target verification method using the large model, the dynamically determined verification method can not only match the user's current intent but also take into account the user's payment preferences, further improving the user's service experience when placing orders and making payments based on the agent application.

[0092] For example, the second agent constructs prompts based on the user's conversation context, the resource transfer intent identified by the first agent, and the user's profile features. These prompts are then input into a large model to determine the target verification method. By considering not only the original input information carried by the user's conversation context but also the first agent's identification of the user's resource transfer intent when using the large model to determine the target verification method, the large model can more accurately understand the user's current intent. Furthermore, by also considering the user's profile features when using the large model to determine the target verification method, it helps the large model more accurately determine the verification method suitable for the current user, further improving the user's service experience when placing orders and making payments based on the agent application.

[0093] For example, the second agent constructs prompt words based on the user's conversation context, current environment detection information, and user profile features; these prompt words are then input into a large model to obtain the target verification method output by the large model. Determining the target verification method in this way allows for a more accurate identification of the verification method suitable for the current user and scenario, improving the intelligence, flexibility, and security of users placing orders and making payments based on the agent application.

[0094] In step 33, the prompts for verification using the target verification method include, but are not limited to, the category information of the target verification method and guidance information for the next step required to complete the verification. For example, if the target verification method is voiceprint verification, the prompt may be "Verifying your voiceprint"; if the target verification method is facial recognition, the prompt may be "Please face the screen to perform facial recognition authentication"; if the target verification method is account password verification, the prompt may be "Please enter your payment password".

[0095] In step 34, if the verification is successful through the target verification method, the resource transfer result of the order is displayed.

[0096] In some embodiments, the information interaction method further includes: displaying recommended information for enabling other verification methods; and, if the user confirms enabling other verification methods, displaying operation guidance information and / or activation result information for enabling other verification methods. Specifically, the timing of displaying recommended information for enabling other verification methods can be before or after the resource transfer for the order is completed. Through the above processing, users can more conveniently and flexibly enable their preferred verification methods during interaction with the intelligent agent application, further improving the user's service experience when placing orders and making payments based on the intelligent agent application.

[0097] In some embodiments, the second agent determines other verification methods to be recommended from at least one candidate verification method. For example, based on the user's instructions and user profile features, the second agent uses a large model to determine other verification methods to be recommended from at least one candidate verification method. These candidate verification methods are verification methods that the user has not currently activated, specifically one or more of voice verification, voiceprint verification, face verification, fingerprint verification, iris verification, gesture verification, SMS verification code verification, and password verification. Through this process, other verification methods to be activated can be recommended to the user more accurately, further improving the user's service experience when placing orders and making payments based on the agent application.

[0098] In the above embodiments, the timing for recommending other verification methods can also be determined by the second intelligent agent. For example, the second intelligent agent uses a large model based on the user's profile characteristics to determine the timing for recommending other verification methods. Through the above processing, the timing of recommending other verification methods to the user is more in line with the user's preferences, further improving the user's service experience when placing orders and making payments based on the intelligent agent application.

[0099] In the above embodiments, the second intelligent agent may also determine whether to display operation guidance information and activation result information for activating other verification methods to the user, or only display activation result information to the user.

[0100] For example, assuming the second agent determines that voiceprint verification is the recommended alternative verification method, after order payment is completed, the electronic device can display the following information: "We recommend you activate voiceprint verification." Next, if the user confirms activation of voiceprint verification, one of two operations can be performed based on the second agent's decision. The first operation is that, if the second agent determines that sufficient voice information has been collected through previous interactions with the user, the activation result information is directly displayed to the user through the electronic device. The second operation is that, if the second agent determines that insufficient voice information has not been collected through previous interactions with the user, the operation guide information for activating voiceprint verification is first displayed to the user through the electronic device, and then, after the user completes the required operations for activating voiceprint verification, the activation result information is displayed to the user through the electronic device. For example, the operation guide information might be "Please pronounce the following six numbers XXXXXX," and the activation result information might be "Voiceprint payment has been activated for you." This approach balances the convenience of activating other verification methods with the accuracy of subsequent verification, further improving the user experience of placing orders and making payments based on the agent application.

[0101] In this embodiment of the disclosure, the above method enables users to achieve a more intelligent, convenient, secure and flexible ordering and payment process for goods through the application of the first and second intelligent agents, especially improving the intelligence, convenience and security of the payment process and enhancing the user's service experience.

[0102] The following combination Figures 4 to 9 The interaction process from the first type of user to the third type of user is explained in detail.

[0103] Figure 4 This is a schematic diagram of the interaction flow of a first type of user according to some embodiments of this disclosure. For example... Figure 4 As shown, the interaction process for the first type of user includes steps 41 to 44.

[0104] In step 41, in response to the first instruction sent by the user to the first intelligent agent, order information for the target object is displayed on the interactive interface associated with the first intelligent agent. For details on how step 41 is executed, please refer to the relevant descriptions in the embodiments described above.

[0105] In step 42, recommended information for the first resource transfer tool is displayed. The first resource transfer tool is determined by the second agent from at least one candidate resource transfer tool. A resource transfer tool may also be referred to as a resource transfer channel, payment channel, payment tool, payment method, etc.

[0106] In some embodiments, the second agent determines a first resource transfer tool from at least one candidate resource transfer tool based on at least one of the following: the user's session context, the identification result of the user's resource transfer intention, and the detection information of the current environment, as well as the user's profile features. The user's profile features include, but are not limited to, one or more of the following: the user's preference information for resource transfer tools, the user's age, occupation, and the user's historical payment records. The detection information of the current environment includes, but is not limited to, one or more of the following: the user's current geographical location, environmental images, etc. The detection information of the current environment can reflect whether the user is currently in a relatively private and secure environment or in a relatively public and insecure environment.

[0107] For example, the second agent constructs prompt words based on the user's conversation context and user profile features; using a large model, it determines the first resource transfer tool from multiple candidate resource transfer tools based on the prompt words. The user's conversation context includes not only the user's initial instruction but also instructions issued before and / or after the initial instruction. By considering both the user's conversation context and user profile features when determining the first resource transfer tool using the large model, the dynamically determined resource transfer tool not only matches the user's current intent but also takes into account the user's resource transfer preferences, further improving the user's service experience when placing orders and making payments based on the agent application.

[0108] For example, the second agent constructs prompt words based on the user's conversation context, the recognition result of resource transfer intent, and the user's profile features. Using a large model, it determines the first resource transfer tool from multiple candidate tools based on the prompt words. By considering not only the original input information carried by the user's conversation context but also the first agent's recognition result of the user's resource transfer intent when using the large model to determine the first resource transfer tool, the large model can more accurately understand the user's current intent, especially the intent related to the resource transfer tool the user wants to use. Furthermore, by also considering the user's profile features when using the large model to determine the first resource transfer tool, it helps the large model more accurately determine the resource transfer tool suitable for the current user, further improving the user's service experience when placing orders and making payments based on the agent application.

[0109] For example, the second agent receives the user's session context and current environment detection information from the first agent; based on the user's session context, current environment detection information, and user profile features, it constructs prompt words; using a large model, it determines the first resource transfer tool from multiple candidate resource transfer tools based on the prompt words. Determining the first resource transfer tool in this way allows for a more accurate identification of the appropriate resource transfer tool for the current user and scenario, improving the intelligence, flexibility, and security of the user's order placement and payment based on the agent application.

[0110] In step 43, in response to the user's fifth instruction, recommended information for the second resource transfer tool is displayed. The second resource transfer tool is re-determined by the second agent.

[0111] The fifth instruction is used to instruct the user to switch resource transfer tools. This fifth instruction can be a voice or text command entered by the user, or a command sent by the user through clicking an interactive control on the interface.

[0112] For example, suppose the first resource transfer tool shown to the user is "Account A1 of Bank A". When the user inputs a command such as "change" or "next" via voice, a second resource transfer tool determined by a second intelligent agent is shown to the user. For example, the second resource transfer tool could be "Account B1 of Bank B" or something else.

[0113] In this embodiment of the disclosure, steps 42 and 43 not only support dynamically recommending resource transfer tools to users during the interaction between users and the intelligent agent application, but also support dynamically switching resource transfer tools in response to user requests, further improving the intelligence, convenience and flexibility of users placing orders and making payments through the intelligent agent application.

[0114] In step 44, in response to the user's second instruction, the resource transfer result of the order is displayed. For details on how step 44 is executed, please refer to the relevant descriptions in the previously described embodiments.

[0115] In some embodiments, for the first type of user, the information interaction method includes, in addition to, Figure 4 In addition to the process shown, steps 45 and 46 may also be included.

[0116] Step 45 displays recommended information for binding other resource transfer tools. These other resource transfer tools are determined by the second intelligent agent.

[0117] In some examples, in step 45, before or after the resource transfer for the order is completed, the second agent uses a large model or a preset strategy to determine other resource transfer tools to recommend to the user, and then sends the recommendation information of the other resource transfer tools to the electronic device, which then displays the recommendation information.

[0118] Step 46: If the user confirms the binding of other resource transfer tools, a prompt message will be displayed to add the account of other resource transfer tools so that the user can bind the account of other resource transfer tools.

[0119] In some examples, in step 46, if the user confirms binding other resource transfer tools through voice input, text input, or clicking interactive controls, the second intelligent agent uses a large model or preset strategy to determine the prompt information for adding the account of other resource transfer tools, and then sends the prompt information to the electronic device, which then displays the prompt information.

[0120] In this embodiment of the disclosure, steps 45 and 46 enable more intelligent support for users' needs to bind or activate new resource transfer tools during the process of placing and paying through the smart agent application, thereby further improving the intelligence and convenience of users placing and paying through the smart agent application.

[0121] In some embodiments, the interaction process for the first type of user may further include at least one of the steps in the foregoing embodiments: dynamic user verification and recommending the activation of other verification methods. In this disclosure, the above method can satisfy the entire process of the first type of user placing an order and making a payment based on the intelligent agent application, particularly improving the intelligence, convenience, security, and flexibility of the payment process.

[0122] Figure 5 This is a schematic diagram of an interactive interface for a first type of user according to some embodiments of this disclosure. For example... Figure 5As shown, an exemplary process for a first type of user (i.e., someone who has signed up and whose payment tool has been bound to the payment platform associated with the second intelligent agent) to interact with an intelligent agent application in an electronic device includes steps 51 to 56.

[0123] Step 51: After the user inputs "What coffee is good?" via voice or text, the electronic device uses a first intelligent agent to recognize the user's input, determine recommended coffee information, and then display the recommended coffee information to the user. For example, the recommended coffee information includes coffee from brand A and coffee from brand B.

[0124] Step 52: After the user inputs the information "select coffee of brand B" via voice or text (which is equivalent to the user inputting the first instruction), the electronic device uses the first intelligent agent to perform intent recognition on the information input by the user, obtains and generates order information based on the intent recognition result, and then displays the order information to the user.

[0125] Step 53: After the user inputs "confirm order" information via voice or text (equivalent to the user inputting a third instruction), the electronic device determines the recommended payment tool through the second intelligent agent and then displays the recommended payment tool information to the user.

[0126] Step 55: After the user issues the instruction to "switch to a payment method", the electronic device re-determines the new payment method through the second intelligent agent and displays the new payment method to the user.

[0127] Step 55: After the user inputs "go to payment" via voice or text, or clicks the "confirm payment" interactive control (equivalent to the user inputting a second instruction), the electronic device dynamically determines the target verification method through a second intelligent agent, and then displays a prompt message for the target verification method to the user. For example, the displayed prompt message for the target verification method is "Performing voiceprint verification for you."

[0128] Step 56: After successful verification, the payment result for the order will be displayed. For example, the resource transfer result displayed may include information such as "You have successfully paid through the XXX tool".

[0129] In this embodiment of the disclosure, the above process supports the entire process of ordering and paying for the first type of user based on the intelligent agent application, which in particular improves the intelligence, convenience, security and flexibility of the payment process.

[0130] Figure 6 This is a schematic diagram of the interaction flow of a second type of user according to some embodiments of this disclosure. For example... Figure 6 As shown, the interaction process for the second type of user includes steps 61 to 63.

[0131] In step 61, in response to the first instruction sent by the user to the first intelligent agent, order information for the target item is displayed on the interactive interface associated with the first intelligent agent. For details on how step 61 is executed, please refer to the relevant descriptions in the embodiments described above.

[0132] In step 62, a subscription prompt and a recommendation for the first resource transfer tool are displayed. The subscription prompt prompts the user to subscribe to the resource transfer-related auxiliary intelligent functions. The first resource transfer tool is determined by the second agent from at least one candidate resource transfer tool.

[0133] In step 63, after receiving the user's second and fourth instructions, the resource transfer result of the order is displayed. The second instruction indicates confirmation of payment for the order, and the fourth instruction indicates confirmation of the contract signing by the user.

[0134] In practice, the second and fourth instructions can be included in the same message input by the user via voice or text, or they can be included in different messages. Alternatively, the second and fourth instructions can be sent to the first intelligent agent by the user clicking the same interactive control, or they can be sent to the first intelligent agent by the user clicking different interactive controls.

[0135] In some embodiments, the interaction process for the second type of user may further include at least one of the following steps: switching the resource transfer tool, dynamically verifying the user, recommending the activation of other verification methods, and recommending the binding of other resource transfer tools.

[0136] In this embodiment of the disclosure, the above process can meet the full process of signing, placing orders and making payments for the second type of user based on the intelligent agent application, and in particular improves the intelligence, convenience, security and flexibility of the payment process.

[0137] Figure 7 This is a schematic diagram of the interaction interface for a second type of user according to some embodiments of this disclosure. For example... Figure 7 As shown, in some embodiments, the interaction process of the second type of user (i.e., those who have not signed up but have bound their payment tools to the payment platform associated with the second intelligent agent) is the same as... Figure 5 The main difference in the interaction flow for the first type of user is that the interaction flow for the second type of user also includes a signing process. The signing process includes: upon receiving the user's first instruction (e.g., ... Figure 7 After selecting "Brand B coffee" in the menu, a contract signing prompt (such as "XX Service Agreement") is displayed; the contract signing process is completed after the user enters a command indicating their intention to sign the contract via voice or text, or by clicking on an interactive control.

[0138] Figure 8This is a schematic diagram of the interaction flow of a third type of user according to some embodiments of this disclosure. For example... Figure 8 As shown, the interaction process for the third type of user includes steps 81 to 84.

[0139] In step 81, in response to the first instruction sent by the user to the first intelligent agent, order information for the target item is displayed on the interactive interface associated with the first intelligent agent. For details on how step 81 is executed, please refer to the relevant descriptions in the embodiments described above.

[0140] In step 82, prompts for binding the resource transfer tool and signing a contract are displayed. For example, the prompt for binding the resource transfer tool is "Add a bank card required," and the prompt for signing a contract is "Service Agreement 1 required."

[0141] In step 83, in response to the user's fourth and sixth instructions, a prompt message is displayed to add the account for the resource transfer tool.

[0142] The fourth instruction instructs the user to confirm the contract signing. The sixth instruction instructs the user to confirm the binding of the resource transfer tool. In practice, the fourth and sixth instructions can be included in the same message entered by the user via voice or text, or they can be included in different messages. Alternatively, the fourth and sixth instructions can be sent to the electronic device by the user clicking the same interactive control, or they can be sent to the electronic device by the user clicking different interactive controls.

[0143] The prompt message for adding the resource transfer tool's account is determined by the second intelligent agent. For example, the second intelligent agent searches for the user's resource transfer tool account information (such as a bank card account). If the user's resource transfer tool account information is found, it is displayed to the user as the aforementioned prompt message. In this way, the user can directly select from the displayed account information. If the user's resource transfer tool account information is not found, the user must enter the account information manually.

[0144] In step 84, after the user completes the account addition operation, in response to the second instruction, the resource transfer result of the order is displayed. For details on how step 84 is executed, please refer to the relevant descriptions in the previously described embodiments.

[0145] In this embodiment of the disclosure, the above method can meet the full process of signing contracts, binding resource transfer tools, placing orders and making payments based on intelligent agent applications for third-type users, and in particular improves the intelligence, convenience, security and flexibility of the payment process.

[0146] Figure 9 This is a schematic diagram of the interaction interface for a third type of user according to some embodiments of this disclosure. For example... Figure 9As shown, in some embodiments, the interaction process of the third type of user (i.e., those who have not signed up and have not bound payment tools to the payment platform associated with the second intelligent agent) is different from that of the third type of user. Figure 5 The main difference in the interaction process for the first type of user is that the interaction process for the third type of user also includes the signing process and the binding of payment tools.

[0147] In some embodiments, the signing process for a third type of user involves the signing of two contracts. For example, as... Figure 9 As shown, the signing process requires signing Service Agreement 1 and Service Agreement 2. Signing Service Agreement 1 includes: upon receiving the user's first instruction (e.g., ... Figure 9 After selecting "Brand B coffee" in the menu, a prompt message for signing Service Agreement 1 (e.g., "XX Service Agreement 1") is displayed. The signing process for Service Agreement 1 is completed after the user enters a command indicating their intention to sign via voice or text, or by clicking an interactive control (e.g., the "Confirm Agreement and Add" control). The signing process for Service Agreement 2 is similar to that for Service Agreement 1.

[0148] In some embodiments, such as Figure 9 As shown, the payment tool to be bound is a bank card. The steps for binding the payment tool include: the user... Figure 9 (c) After selecting the bank card account to be added on the page, you can complete the binding of the payment tool by entering a command to confirm the addition of the account via voice or text input, or by clicking an interactive control (such as the "Confirm Agreement and Add" control).

[0149] In this embodiment of the disclosure, the above method can meet the needs of third-type users to sign contracts, bind payment tools, place orders and make payments based on intelligent agent applications, and in particular improves the intelligence, convenience, security and flexibility of the payment process.

[0150] Figure 10 This is a flowchart illustrating an information interaction method according to some embodiments of the present disclosure. For example... Figure 10 As shown, the information interaction method is jointly executed by an electronic device, a first intelligent agent, and a second intelligent agent, including steps 101 to 110.

[0151] Step 101: The electronic device sends a first instruction from the user to the first intelligent agent. The first instruction is used to instruct the user to place an order for the target item. The user interacts with the first intelligent agent by inputting instructions through an interactive interface on the electronic device associated with the first intelligent agent.

[0152] Step 102: The first intelligent agent generates order information and sends the order information to the electronic device.

[0153] Step 103: The first agent sends a first notification message to the second agent. In some examples, the first notification message includes, but is not limited to, the first agent's identity identifier, order identifier, and the user's first instruction.

[0154] Step 104: The second agent determines the associated information for resource transfers related to the order. In some examples, the second agent utilizes a large model to determine the associated information for resource transfers related to the order.

[0155] Step 105: The second agent sends the association information to the first agent.

[0156] Step 106: The first intelligent agent sends the associated information to the electronic device. The electronic device displays the aforementioned order information, as well as the associated information for resource transfer related to the order.

[0157] Step 107: The electronic device sends a second instruction from the user to the first intelligent agent. The second instruction is used to indicate confirmation of resource transfer for the order.

[0158] Step 108: The first agent sends a second notification message to the second agent. In some examples, the second notification message includes, but is not limited to, the first agent's identity identifier, order identifier, and the user's second instruction.

[0159] Step 109: The second agent sends the resource transfer result to the first agent.

[0160] In some embodiments, after receiving the second notification message, the second intelligent agent performs resource transfer on the order and then sends the resource transfer result to the first intelligent agent.

[0161] In other embodiments, after receiving the second notification message, the second agent dynamically determines the target verification method and then provides the user with a prompt indicating that the target verification method should be used for verification through the first agent. After the user is successfully verified based on the target verification method, the order resources are transferred, and then the resource transfer result is sent to the first agent.

[0162] Step 110: The first intelligent agent sends the resource transfer result to the electronic device. The electronic device then displays the resource transfer result for the aforementioned order to the user.

[0163] In this embodiment of the disclosure, the above methods enable users to achieve a more intelligent and convenient ordering and payment process for items in smart agent applications, especially improving the intelligence and convenience of the payment process and enhancing the user's service experience.

[0164] Figure 11 These are schematic diagrams of the structure of an electronic device according to some embodiments of this disclosure. For example... Figure 11As shown, the electronic device 11 includes a memory 111 and a processor 112 coupled to the memory 111. The memory 111 is used to store instructions for executing embodiments of the information interaction method. The processor 112 is configured to execute the information interaction method in any of the embodiments of this disclosure based on the instructions stored in the memory 111.

[0165] Figure 12 This is a schematic diagram of the structure of an information interaction system according to some embodiments of this disclosure. For example... Figure 12 As shown, in this information interaction system, the electronic device is a mobile terminal 4. For example, mobile terminal 4 is a mobile phone or a tablet computer. Mobile terminal 4 can deploy or invoke a first intelligent agent. In this system, the information interaction method described above is executed through the cooperation of mobile terminal 4, the first intelligent agent, and the second intelligent agent.

[0166] Figure 13 This is a schematic diagram of the structure of an information interaction system according to other embodiments of this disclosure. Information such as... Figure 13 As shown, in this information interaction system, the electronic device is a wearable device 6. For example, wearable device 6 is smart glasses. Wearable device 6 can deploy or invoke a first intelligent agent. In this system, the information interaction method described above is executed through the cooperation of wearable device 6, the first intelligent agent, and the second intelligent agent.

[0167] In some embodiments, Figure 13 The system shown also includes a mobile terminal. The mobile terminal is used to transmit information between the wearable device and the second intelligent agent, and to assist the first and / or second intelligent agents in performing some processing.

[0168] Figure 14 This is a schematic diagram of the structure of an information interaction system according to some embodiments of the present disclosure. For example... Figure 14 As shown, in this information interaction system, the electronic device is the vehicle-mounted system 7, i.e., the in-vehicle device. The vehicle-mounted system 7 can deploy or invoke a first intelligent agent. In this system, the vehicle-mounted system 7, the first intelligent agent, and the second intelligent agent cooperate to execute the information interaction method described above.

[0169] In some embodiments, Figure 14 The system shown also includes a mobile terminal. The mobile terminal is used to transmit information between the vehicle's infotainment system and the second intelligent agent, and to assist the first and / or second intelligent agents in performing some processing tasks.

[0170] Hereinafter, various aspects of the present disclosure are described with reference to flowchart illustrations and / or block diagrams of information interaction methods, apparatuses, and computer program products according to embodiments of the present disclosure. It should be understood that each block of the flowchart illustrations and / or block diagrams, as well as combinations of blocks, can be implemented by computer-readable program instructions.

[0171] These computer-readable program instructions are provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable device to produce a machine, such that execution of the instructions by the processor produces means for implementing the functions specified in one or more boxes of the flowchart and / or block diagram.

[0172] These computer-readable program instructions may also be stored in a computer-readable storage medium. These instructions cause a computer to work in a particular manner to produce an article of manufacture, including instructions that implement the functions specified in one or more boxes in a flowchart and / or block diagram.

[0173] This disclosure may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects.

[0174] The information interaction methods, electronic devices, and systems according to this disclosure have now been described in detail. To avoid obscuring the concept of this disclosure, some details known in the art have not been described. Those skilled in the art can fully understand how to implement the technical solutions disclosed herein based on the above description.

Claims

1. An information exchange method, comprising: In response to a first instruction sent by a user to a first intelligent agent, order information for a target item is displayed on an interactive interface associated with the first intelligent agent, wherein the first instruction is used to instruct the user to place an order for the target item; Displays associated information for resource transfer related to the order, wherein the associated information is determined by the second intelligent agent upon triggering by the first intelligent agent; In response to the user's second instruction, the resource transfer result of the order is displayed, wherein the second instruction is used to indicate confirmation of the resource transfer for the order.

2. The method according to claim 1, wherein, The display of order information for the target item and the display of associated information regarding resource transfer for the order include: The system continuously displays order information for the target item, along with the associated information; or First, the order information for the target item is displayed; then, in response to a third instruction sent by the user to the first intelligent agent, the associated information is displayed, wherein the third instruction is used to indicate confirmation of the order.

3. The method according to claim 1, wherein, In the case that the user is a first-class user, The associated information for resource transfer for the order includes recommendation information for a first resource transfer tool, which is determined by the second agent from at least one candidate resource transfer tool.

4. The method according to claim 1, wherein, In the case that the user is a second type of user, The associated information for transferring resources for the order includes contract signing prompt information and recommendation information for the first resource transfer tool, wherein the first resource transfer tool is determined by the second agent from at least one candidate resource transfer tool; as well as The step of responding to the user's second instruction and displaying the resource transfer result of the order includes: after receiving the user's second instruction and fourth instruction, displaying the resource transfer result of the order, wherein the fourth instruction is used to instruct the user to confirm the signing of the contract.

5. The method according to claim 3 or 4, wherein, The first resource transfer tool is determined based on at least one of the user's session context, the identification result of the user's resource transfer intent, the detection information of the current environment, and the user's profile features.

6. The method according to claim 3 or 4, wherein, The display of associated information regarding resource transfer for the order also includes: After displaying the recommended information of the first resource transfer tool, in response to the user's fifth instruction, the recommended information of the second resource transfer tool is displayed. The second resource transfer tool is re-determined by the second intelligent agent, and the fifth instruction is used to instruct the switching of the resource transfer tool.

7. The method according to claim 1, wherein, In the case where the user is a third type of user, The associated information for resource transfer in relation to the order includes prompts for binding the resource transfer tool and prompts for signing the contract; as well as The step of displaying the resource transfer result of the order in response to the user's second instruction includes: displaying a prompt message for adding the account of the resource transfer tool in response to the user's fourth and sixth instructions, wherein the fourth instruction is used to instruct the user to confirm signing the contract, and the sixth instruction is used to instruct the user to confirm binding the resource transfer tool, and the prompt message for adding the account of the resource transfer tool is determined by the second intelligent agent; after the user completes the account addition operation, the resource transfer result of the order is displayed in response to the second instruction.

8. The method according to any one of claims 3 to 7, further comprising: Display recommended information for binding other resource transfer tools, wherein the other resource transfer tools are determined by the second intelligent agent; If the user confirms the binding of another resource transfer tool, a prompt message will be displayed to add the account of the other resource transfer tool, so that the user can bind the account of the other resource transfer tool.

9. The method according to claim 1, wherein, In response to the second instruction sent by the user to the first intelligent agent, the resource transfer result of the order is displayed, including: Display a prompt message indicating that verification is performed using the target verification method, wherein the target verification method is determined by the second agent from at least one candidate verification method; If the user successfully verifies the target verification method, the resource transfer result of the order will be displayed.

10. The method of claim 9, wherein, The target verification method is determined based on at least one of the user's session context, the identification result of the user's resource transfer intent, and the detection information of the current environment, as well as the user's profile features; and / or The at least one candidate verification method includes one or more of the following: voice verification, voiceprint verification, face verification, fingerprint verification, iris verification, gesture verification, SMS verification code verification, and password verification.

11. The method of claim 9, further comprising: The system displays recommended information for enabling other verification methods, wherein the other verification methods are determined by the second intelligent agent. If the user confirms the activation of the other verification method, the operation guidance information and / or activation result information for the other verification method will be displayed.

12. The method according to claim 1, wherein, The information displayed regarding the resource transfer for the order includes: Display associated information for resource transfer related to the order using one or more card-style controls.

13. The method according to claim 1, wherein, The method is performed by an electronic device, which may be a mobile terminal, an in-vehicle device, or a wearable device.

14. An information interaction method, executed by a first intelligent agent, comprising: In response to a user’s first instruction, order information for the target item is generated, wherein the first instruction is used to instruct the user to place an order for the target item. After sending the first notification message to the second intelligent agent, receive associated information from the second intelligent agent regarding resource transfer for the order; Send the order information and the associated information to the electronic device; In response to the user's second instruction, a second notification message is sent to the second intelligent agent, the second instruction being used to indicate confirmation of resource transfer for the order; The second intelligent agent receives the resource transfer result of the order and sends the resource transfer result to the electronic device.

15. An information exchange method, executed by a second intelligent agent, comprising: Receive a first notification message from a first intelligent agent, the first notification message being sent by the first intelligent agent after receiving a first instruction from the user, the first instruction being used to instruct to place an order for the target item; Determine the associated information for resource transfer in connection with the order; Send the associated information to the first intelligent agent; After receiving a second notification message from the first intelligent agent, resources are transferred for the order. The second notification message is sent by the first intelligent agent after receiving a second instruction from the user. The second instruction is used to indicate confirmation of the resource transfer for the order. The resource transfer result of the order is sent to the first intelligent agent so that the resource transfer result can be provided to the user through the first intelligent agent.

16. An electronic device comprising: A module for performing the information interaction method as described in any one of claims 1 to 13.

17. An electronic device comprising: Memory; as well as A processor coupled to the memory, the processor being configured to execute the information processing method as described in any one of claims 1 to 13 based on instructions stored in the memory.

18. An information interaction system, comprising: The electronic device, the first intelligent agent, and the second intelligent agent as described in claim 16 or 17.

19. A computer-readable storage medium having stored thereon computer instructions that, when executed by a processor, implement the information interaction method as described in any one of claims 1 to 15.

20. A computer program product having stored computer program instructions thereon, which, when executed by a processor, implement the information interaction method as described in any one of claims 1 to 15.