Resource exchange processing methods and apparatus, equipment, storage media, and program products

Abstract

We provide resource exchange processing methods and apparatus, computer devices, computer-readable storage media, and computer program products that improve the resource utilization rate of digital platforms. [Solution] The method includes receiving a resource exchange request, extracting resource exchange conditions and responder selection conditions included in the resource exchange request, determining an exchange responder that conforms to the resource exchange conditions and responder selection conditions, and performing a resource exchange with the exchange responder in accordance with the resource exchange conditions.

Description

Technical Field

[0006]

[0001] This application relates to the technical field of data processing, and particularly to a resource exchange processing method, apparatus, computer device, computer-readable storage medium, and computer program product.

Background Art

[0002] With the rapid development of technology, people's dependence on digitalized lifestyles has been increasing day by day. The method of exchanging resources through a network adapts to this trend and provides a new means of preserving and transferring value in line with the digital age.

[0003] In the conventional technology, usually, a digital platform is provided to users participating in resource exchange. Users can entrust resource exchange through this digital platform, and other users can exchange the resources entrusted on that platform.

[0004] However, in the conventional method, after the resources are entrusted to the digital platform, any user can perform the exchange. Therefore, the entruster becomes passive after resource entrustment, and the flexibility in the operation of resource exchange is reduced. As a result, the entrustment of resources to the digital platform decreases, the activity of users on the entire platform declines, and the utilization rate of the data processing resources allocated by the digital platform for resource exchange processing also decreases.

Summary of the Invention

[0005] In contrast, in order to solve the above technical problems, it is necessary to provide a resource exchange processing method, apparatus, computer device, computer-readable storage medium, and computer program product that improve the resource utilization rate of the digital platform.

[0006] In the first aspect, this application provides a resource exchange processing method. The method includes, The process involves receiving a resource exchange request, extracting the resource exchange conditions and responder selection conditions included in the resource exchange request, and To determine an exchange respondent that meets the resource exchange conditions and the respondent selection conditions, This includes performing a resource exchange with the exchange respondent in accordance with the resource exchange conditions.

[0007] In one embodiment, determining an exchange responder that meets the resource exchange conditions and responder selection conditions is: To determine candidate exchange partners who meet the responder selection criteria, To display resource exchange information corresponding to the resource exchange request to the candidate exchanger, This includes determining a candidate exchanger who meets the resource exchange conditions as the exchange responder in response to a response operation to resource exchange information by a candidate exchanger.

[0008] In one embodiment, determining an exchange responder that meets the resource exchange conditions and responder selection conditions is: When candidate response information that conforms to the resource exchange conditions is received, the candidate responder corresponding to the candidate response information is determined, This includes, if a candidate responder meets the responder selection criteria, determining that the candidate responder will be the exchange responder. The above method, If the candidate responder does not meet the responder selection criteria, the resource exchange request is further canceled.

[0009] In one embodiment, if a candidate responder does not meet the responder selection criteria, the resource exchange request may be canceled. If the candidate responder does not meet the responder selection criteria, the candidate responder information will be used to monitor the resource exchange results in the current resource exchange round. The resource exchange result includes canceling the resource exchange request if it is monitored that the resource exchange has failed.

[0010] In one embodiment, the responder selection criteria include a resource exchange risk threshold. After determining the candidate responder corresponding to the aforementioned candidate response information, To obtain the resource exchange risk assessment value of the aforementioned candidate responder, If the resource exchange risk assessment value is less than the resource exchange risk threshold, it is determined that the candidate responder meets the responder selection criteria, further comprising:

[0011] In one embodiment, obtaining a resource exchange risk assessment value from a candidate responder is possible. Obtain at least one of the following from the candidate responder's past resource exchange behavior data, resource ownership data, and past benefit data: The further includes performing a resource exchange risk assessment on the candidate responder based on at least one of the past resource exchange behavior data, the resource holding data, and the past profit data, and obtaining the resource exchange risk assessment value of the candidate responder.

[0012] In the second aspect, this application provides a resource exchange processing device. The aforementioned device is A receiving module that receives a resource exchange request and extracts the resource exchange conditions and responder selection conditions included in the resource exchange request, A decision module for determining an exchange responder that meets the resource exchange conditions and the responder selection conditions, The system includes a resource exchange module that performs resource exchange with the exchange respondent in accordance with the resource exchange conditions.

[0013] In a third aspect, the present application provides a computer device including memory and a processor, wherein a computer program is stored in the memory, and the processor executes the computer program. The process involves receiving a resource exchange request, extracting the resource exchange conditions and responder selection conditions included in the resource exchange request, and To determine an exchange respondent that meets the resource exchange conditions and the respondent selection conditions, This enables the exchange of resources with the exchange respondent in accordance with the aforementioned resource exchange conditions.

[0014] In the fourth aspect, the present application provides a computer-readable storage medium in which a computer program is stored, and when the computer program is executed by a processor, The process involves receiving a resource exchange request, extracting the resource exchange conditions and responder selection conditions included in the resource exchange request, and To determine an exchange respondent that meets the resource exchange conditions and the respondent selection conditions, This enables the exchange of resources with the exchange respondent in accordance with the aforementioned resource exchange conditions.

[0015] In the fifth aspect, this application provides a computer program product including a computer program, and when the computer program is executed on a processor, The process involves receiving a resource exchange request, extracting the resource exchange conditions and responder selection conditions included in the resource exchange request, and To determine an exchange respondent that meets the resource exchange conditions and the respondent selection conditions, This enables the exchange of resources with the exchange respondent in accordance with the aforementioned resource exchange conditions.

[0016] The above resource exchange processing method, apparatus, computer device, computer-readable storage medium, and computer program product first receive a resource exchange request, and extract the resource exchange conditions and responder selection conditions included in the resource exchange request. Then, an exchange responder that meets the resource exchange conditions and responder selection conditions is determined, and according to the resource exchange conditions, a resource exchange is executed with the exchange responder. Thereby, during the resource exchange, the resource exchange requester can screen the exchange responders, and the resource exchange requester can have more options and dominance during the resource exchange. As a result, the user's willingness to entrust resources to the digital platform is increased, the user's participation in the digital platform is strengthened, and ultimately the resource utilization rate of the digital platform is improved.

[0017] To more clearly explain the technical solutions according to the embodiments of this application or the prior art, the accompanying drawings necessary for describing the embodiments or the prior art will be briefly described. It should be noted that the accompanying drawings related to the following description are only specific embodiments described in this specification, and it is obvious that those skilled in the art can obtain the accompanying drawings of other embodiments based on these drawings without creative efforts.

Brief Description of the Drawings

[0018] [Figure 1] It is a schematic diagram of a flowchart of a resource exchange processing method according to an embodiment. [Figure 2] It is a schematic diagram of a flowchart of step S20 according to an embodiment. [Figure 3] It is a schematic diagram of a flowchart of step S20 according to other embodiments. [Figure 4] It is a block diagram showing the configuration of a resource exchange processing apparatus according to an embodiment. [Figure 5] It is an internal configuration diagram of a computer device according to an embodiment. Modes for Carrying Out the Invention

[0019] To further clarify the purpose, technical solution, and advantages of this application, this application will be described in detail below with reference to the attached drawings and examples. The specific examples described herein are for interpretive purposes only and are not intended to limit this application.

[0020] In one exemplary embodiment, a resource exchange processing method is provided, as shown in Figure 1. In this embodiment, the method is described as an application to a terminal, which includes, but is not limited to, various personal computers, laptops, smartphones, tablets, IoT devices, and portable wearable devices. IoT devices include smart speakers, smart TVs, smart air conditioners, in-car devices, and projection equipment. Portable wearable devices include smartwatches, smart bands, and head-mounted devices, and head-mounted devices include virtual reality (VR) devices, augmented reality (AR) devices, and smart glasses. It should be noted that this method is also applicable to servers and to systems including terminals and servers, and can be understood as being realized through the interaction between terminals and servers. This embodiment includes the following steps S10 to S30.

[0021] Step S10: Receive a resource exchange request and extract the resource exchange conditions and responder selection conditions included in the resource exchange request. In this context, resource exchange refers to the process of exchanging resources held by one party for other resources held by another party. These resources include virtual resources and money. Virtual resources refer to digitized products, such as digital currencies, non-fungible tokens (NFTs), and digital collections. For example, resource exchange refers to the transaction of virtual resources, meaning that one party uses money to exchange virtual resources held by another party.

[0022] The resource exchange processing method of this embodiment is applied to a resource exchange digital platform. A resource exchange digital platform is a digital platform used for trading virtual resources, through which users can buy, sell, trade, and store various types of virtual resources. When a user needs to trade resources, they can send a resource exchange request to the resource exchange digital platform via their device. This resource exchange request is intended to entrust the resource exchange to the resource exchange digital platform. The party sending the resource exchange request is the resource exchange requestor, and the party that completes the resource exchange with the resource exchange requestor is the exchange responder.

[0023] Resource exchange requests may include resource exchange information. This resource exchange information includes at least resource exchange conditions and responder selection conditions. Resource exchange conditions refer to the conditions that resources participating in the resource exchange must meet, and include at least one such condition, such as resource exchange price or resource exchange quantity. Responder selection conditions refer to the conditions that exchange responders must meet, and include at least one such condition, such as user-level conditions, resource exchange risk assessment conditions, resource exchange quantity conditions, resource holding conditions, resource exchange fee rate conditions, or profitability conditions.

[0024] For example, any user who needs to exchange resources can submit a resource exchange request to the resource exchange digital platform as a resource exchange requester. The resource exchange request includes resource exchange conditions and responder selection conditions, and the user can entrust the resource exchange to the resource exchange digital platform based on these conditions. The resource exchange digital platform receives the resource exchange request submitted by the resource exchange requester and extracts the resource exchange conditions and responder selection conditions contained therein.

[0025] Step S20: Determine exchange responders that meet the resource exchange conditions and responder selection conditions.

[0026] For example, after determining the resource exchange conditions and responder selection conditions, if candidate response information sent by any user to the resource exchange digital platform is received, the resource exchange response conditions and requester selection conditions contained in the candidate response information can be extracted.

[0027] Candidate response information refers to resource requests sent to the resource exchange digital platform after a resource exchange request. Next, the resource exchange response conditions are compared with the resource exchange conditions, the requester selection conditions are compared with the information of the resource exchange requester corresponding to the resource exchange request, and the responder selection conditions are compared with the information of the candidate responder corresponding to the candidate response information. If the resource exchange response conditions match the resource exchange conditions, the requester selection conditions match the information of the resource exchange requester corresponding to the resource exchange request, and the responder selection conditions match the information of the candidate responder corresponding to the candidate response information, then that candidate responder can be selected as the exchange responder. Otherwise, unless any of the conditions are met, that candidate responder will not be selected as the exchange responder, and the system will continue to wait for other candidate response information.

[0028] As one example, after determining the resource exchange conditions and responder selection conditions, it is possible to first check whether there is any pending resource information in the resource exchange digital platform that matches the resource exchange conditions and responder selection conditions. Pending resource information refers to resource information that has been entrusted to the resource exchange digital platform for resource exchange prior to the resource exchange request, but for which the resource exchange has not yet been completed. If pending resource information matching the resource exchange conditions and responder selection conditions is found, the exchanger corresponding to the pending resource information is further determined, and that exchanger is designated as the exchange responder corresponding to the resource exchange request. If no pending resource information matching the resource exchange conditions and responder selection conditions is found, it may be possible to wait for the user to submit candidate response information to the resource exchange digital platform.

[0029] Step S30: Perform the resource exchange with the exchange respondent according to the resource exchange conditions. For example, after a responder is determined to handle a resource exchange request, a resource exchange process is established between the resource requester and the responder, and the resource exchange is completed between the resource requester and the responder based on the resource exchange conditions.

[0030] Furthermore, for the resource exchange response conditions and the resource exchange conditions to be identical, it means that the resource exchange response conditions and the resource exchange conditions overlap at least partially. If the overlapping portion includes multiple possibilities, resource exchange can be achieved based on any of the possibilities, provided that the resource exchange conditions are met. Specifically, this is determined on a case-by-case basis. For example, methods such as prioritizing the resource exchange conditions, prioritizing the resource exchange response conditions, or prioritizing the overall market situation are possible, but this embodiment is not limited to these.

[0031] For example, suppose resource exchange requestor P1 sets their resources to be sold when the price exceeds V1. If user P2 then places an order on the resource exchange digital platform to buy the resources when the price falls below V2, user P2 can trade with resource exchange requestor P1 as an exchange responder and purchase the resources from resource exchange requestor P1 at any price between V1 and V2. Also, suppose resource exchange requestor P1 sets their resources to be purchased when the price falls below V3, and user P2 places an order on the resource exchange digital platform to sell the resources when the price falls below V4, user P2 can trade with resource exchange requestor P1 as an exchange responder and sell the resources to resource exchange requestor P1 at any price between V3 and V4.

[0032] In the resource exchange processing method described above, a resource exchange request is first received, and the resource exchange conditions and responder selection conditions included in the request are extracted. Next, a responder who meets the resource exchange conditions and responder selection conditions is determined, and the resource exchange is performed with the responder according to the resource exchange conditions. This allows the resource exchange requester to select a responder during the resource exchange, giving the resource exchange requester more choices and control during the resource exchange. As a result, users are more willing to delegate resources to the digital platform, user engagement with the digital platform is strengthened, and ultimately the resource utilization rate of the digital platform improves.

[0033] In one exemplary embodiment, as shown in Figure 2, determining an exchange responder that meets the resource exchange conditions and responder selection conditions includes steps S201 to S203.

[0034] Step S201: Determine candidate exchangers that meet the responder selection criteria. The issue that needs explanation is that currently, the resource exchange digital platform displays resource information that has been entrusted to the platform but has not yet been exchanged to all users indiscriminately, making it easier for users to decide on resource exchanges. However, if a resource exchange requester sets responder selection conditions and allows resource exchanges only with certain users, the indiscriminate display method will show resource information to users who have not yet completed a resource exchange, resulting in situations where exchanges cannot be completed. This can lead users to mistakenly believe that there is a problem with the resource exchange digital platform, reducing their trust in it, which in turn may decrease user activity and potentially lower resource utilization rates.

[0035] For example, after determining the responder selection criteria, if the responder selection criteria are empty, all users in the resource exchange digital platform can be determined as candidate exchangers. If the responder selection criteria are not empty, first retrieve information on all users in the resource exchange digital platform, and then determine candidate exchangers that meet the responder selection criteria based on the information of each user.

[0036] Step S202: Display resource exchange information corresponding to the resource exchange request to the candidate exchanger.

[0037] For example, after a candidate exchange partner has been determined, the resource exchange information corresponding to the resource exchange request can be made public to the candidate exchange partner on the resource exchange digital platform, while the resource exchange information corresponding to the resource exchange request is not made public to other users. In other words, users other than the candidate exchange partner will not know the resource exchange information corresponding to the resource exchange request.

[0038] One example of displaying resource exchange information corresponding to a resource exchange request to a candidate exchanger involves adding the resource exchange information corresponding to the resource exchange request to the resource exchange pool corresponding to the candidate exchanger, and then displaying the resource exchange pool to the candidate exchanger.

[0039] The resource exchange pool referred to here is a collection of resource exchange information that users can view and trade. Different users can view and trade different resource exchange information, allowing each user to manage their own individual resource exchange pool. Each user can only view resource exchange information within their own corresponding resource exchange pool and can only perform resource exchanges based on that information. If any user's resource exchange information in their resource exchange pool changes—for example, if new resource exchange information is added or removed—the resource exchange pool is updated to display the updated resource exchange information to the user.

[0040] For example, after a candidate exchange partner is determined, resource exchange information corresponding to the resource exchange request is added to the resource exchange pool corresponding to each candidate exchange partner, and then the candidate exchange partner's resource exchange pool is updated to display the added resource exchange information.

[0041] In this embodiment, by maintaining different resource exchange pools for different users, newly added resource exchange information can be managed and modified uniformly, eliminating the need for users to repeatedly rematch information when querying commissioned information, thereby improving operational efficiency.

[0042] Step S203: In response to a candidate exchanger's response operation to resource exchange information, a candidate exchanger who meets the resource exchange conditions is determined as the exchange responder.

[0043] For example, after displaying resource exchange information corresponding to a resource exchange request to a candidate exchanger, any candidate exchanger can perform a response operation to the resource exchange information. For instance, they might select resource exchange information corresponding to a resource exchange request and perform a resource exchange. When the resource exchange digital platform detects a response operation to resource exchange information, it first extracts the resource exchange response conditions from the response operation and verifies whether the resource exchange response conditions match the resource exchange conditions. Since the response operation is performed on resource exchange information, both the responder selection conditions and the requester selection conditions are considered to be met, and no verification is required. If the resource exchange response conditions match the resource exchange conditions, the candidate exchanger is determined to be the exchange responder. If the resource exchange response conditions do not match the resource exchange conditions, the candidate exchanger may not be determined to be the exchange responder and may wait for other response operations.

[0044] In this embodiment, resource exchange information is displayed only to candidate exchangers who meet the responder selection criteria, thereby enabling selective display of resource exchange requests and avoiding situations where resources are viewable but cannot be exchanged. This improves the reliability of the resource exchange digital platform and increases user activity and resource utilization on the resource exchange digital platform.

[0045] In one exemplary embodiment, as shown in Figure 3, determining an exchange responder that meets the resource exchange conditions and responder selection conditions includes steps S211 to S212.

[0046] Step S211: When candidate response information that matches the resource exchange conditions is received, determine the candidate responder corresponding to the candidate response information. What needs to be explained is that, after receiving a resource exchange request, any user can submit candidate response information to the resource exchange digital platform, regardless of whether the user can view the resource exchange information corresponding to the request. In other words, even users who do not meet the responder selection criteria may submit candidate response information based on their own analysis results.

[0047] However, if a user who does not meet the responder selection criteria submits candidate response information that matches the resource exchange criteria, that user cannot exchange resources with the resource exchange requester because they do not meet the responder selection criteria. However, if the resource exchange of that candidate response information also fails with other resource exchange requesters, the candidate response information is converted into pending resource information and entrusted to the resource exchange digital platform for processing. In this case, a user who can view both the resource exchange information corresponding to the resource exchange request and the pending resource information will see two pieces of resource information that are possible but have not actually been exchanged. This may cause users to mistakenly believe that there is a problem or malfunction in the resource exchange digital platform, potentially worsening the user experience and reducing the reliability of the resource exchange digital platform.

[0048] For example, if a user sends candidate response information to the resource exchange digital platform after receiving a resource exchange request, the resource exchange response conditions contained in that candidate response information are first extracted, and it is checked whether the resource exchange response conditions match the resource exchange conditions. If the resource exchange response conditions match the resource exchange conditions, it is determined that the candidate response information satisfies the resource exchange conditions, and a candidate responder corresponding to the candidate response information is determined. If the resource exchange response conditions do not match the resource exchange conditions, there is no need to verify the responder selection conditions, and no other operations are required. In this case, no misunderstanding will occur even if both exist simultaneously.

[0049] Step S212: If a candidate responder meets the responder selection criteria, the candidate responder is selected as the replacement responder.

[0050] For example, after determining a candidate responder, the system then uses the information provided about that candidate responder to determine whether they meet the responder selection criteria. If it is determined that the candidate responder meets the criteria, that candidate responder is selected as the replacement responder.

[0051] After determining the candidate responder corresponding to the candidate response information, the method further: Step S213: If the candidate responder does not meet the responder selection criteria, cancel the resource exchange request.

[0052] For example, after determining a candidate responder, if it is determined, based on the information provided about that candidate responder, that the candidate responder does not meet the responder selection criteria, the resource exchange request is returned to the resource exchange requester.

[0053] One example is to cancel a resource exchange request, then send a cancellation notification to the resource exchange requester, allowing them to reprocess the resources included in the request.

[0054] In this embodiment, by canceling resource exchange requests, the system prevents resource exchange requests from being performed with users other than those specified by the resource exchange requester, thereby maintaining order in resource exchange on the resource exchange digital platform. This avoids situations where resource exchange is possible but not actually performed, increasing the reliability of the resource exchange digital platform and improving user activity and resource utilization on the resource exchange digital platform.

[0055] In one exemplary embodiment, if a candidate responder does not meet the responder selection criteria, the step of canceling the resource exchange request includes steps S2131 to S2132.

[0056] Step S2131: If a candidate responder does not meet the responder selection criteria, the candidate responder information monitors the resource exchange results in the current resource exchange round. After any user submits candidate response information, that information is matched against all resource exchange requests and pending resource information within the resource exchange digital platform. The resource exchange result for the current resource exchange round is obtained after the candidate response information has been matched against all resource exchange requests and pending resource information within the resource exchange digital platform at once, and is the result of whether or not the resource exchange will be carried out.

[0057] For example, assuming there are 10 resource exchange requests and pending resource information within the resource exchange digital platform, if candidate response information matches the fourth resource exchange request or pending resource information and the resource exchange is successful, the resource exchange result for the current resource exchange round will be "Resource exchange successful." On the other hand, if the resource exchange fails even after matching with all 10 resource exchange requests and pending resource information, the resource exchange result will be "Resource exchange failed."

[0058] For example, after determining a candidate responder, if the candidate responder does not meet the responder selection criteria based on the candidate responder's information, that candidate responder information monitors the resource exchange results in the current resource exchange round.

[0059] Step S2132: If the resource exchange result is monitored as a failed resource exchange, the resource exchange request is canceled.

[0060] For example, if the resource exchange result is "Resource exchange failed," the candidate response information is converted into pending resource information. In this case, the resource exchange digital platform displays information for two resources that were possible to exchange but were not actually exchanged, making it clear that the resource exchange requester was unable to complete the exchange. This situation can be avoided by canceling the resource exchange request. Conversely, if the resource exchange result is "Resource exchange successful," the resource exchange digital platform displays information for two resources that were exchanged, so there is no need to cancel the resource exchange request.

[0061] In this embodiment, by canceling the resource exchange request only when the resource exchange result is monitored as "resource exchange failed," we prevent users from becoming confused and mistakenly believing that the resource exchange digital platform is malfunctioning, as they can view both the resource exchange information corresponding to the resource exchange request and the pending resource information corresponding to the candidate response information. This ensures order on the resource exchange digital platform and improves the user experience. On the other hand, if the resource exchange result is monitored as "resource exchange successful," there is no need to cancel the resource exchange request, reducing unnecessary cancellation operations and avoiding wasted resources.

[0062] In one exemplary embodiment, the responder selection criteria include a resource exchange risk threshold. After determining candidate responders corresponding to candidate response information, This further includes obtaining resource exchange risk assessment values ​​from candidate responders.

[0063] For example, a resource exchange risk assessment value is a value that evaluates the likelihood of incurring loss risk by exchanging resources with a candidate responder. This assessment value is determined by conducting a resource exchange risk assessment for each user in advance, based on at least one characteristic piece of information such as the user level, the amount of resources to be exchanged, the amount of resources held, past resource exchange fee rates, and past return rates. The resource exchange risk assessment value may be expressed as a probability value or risk level.

[0064] For example, suppose we evaluate the risk of user A and determine that there is an 80% probability of incurring loss risk by exchanging resources with user A, and we assume that there are 100 users in total. The risk levels range from 1 to 5, with 60 users at level 1, 20 at level 2, 10 at level 3, 5 at level 4, and 5 at level 5. If we rank all users from highest risk to lowest risk, user A is ranked 7th, so the resource exchange risk assessment value for user A is 80%, or level 4.

[0065] For example, after determining a candidate responder, first obtain the candidate responder's resource exchange risk assessment value and compare it to the resource exchange risk threshold. If the resource exchange risk assessment value is below the resource exchange risk threshold, the candidate responder is deemed to meet the responder selection criteria. If the resource exchange risk assessment value is above or equal to the resource exchange risk threshold, the candidate responder is deemed not to meet the responder selection criteria.

[0066] In one exemplary embodiment, the step of obtaining a resource exchange risk assessment value for a candidate responder includes: This further includes obtaining at least one of the following from the candidate responder's past resource exchange behavior data, resource ownership data, and past benefit data.

[0067] For example, historical resource exchange behavior data refers to behavioral data generated when a candidate responder has participated in resource exchanges in the past, and includes the total amount of resources exchanged, the average exchange amount per resource exchange, and the fee rate incurred by each resource exchange. Resource holding data is the total amount of virtual resources currently held by the candidate responder, or the total value of all resources currently held by the candidate responder. Historical revenue data shows the average revenue value that the candidate responder has earned from each resource exchange in the past.

[0068] As an example, at least one of the candidate responder's past resource exchange behavior data, resource holding data, and past revenue data is obtained, and at least one of the obtained data is input into a pre-trained resource exchange risk assessment model. The resource exchange risk assessment model is then used to assess the candidate responder's resource exchange risk and obtain a resource exchange risk assessment value for the candidate responder. The resource exchange risk assessment model may be a statistical model or a neural network model, and will be specifically selected and trained according to the actual situation, but is not limited to this in this embodiment.

[0069] In this embodiment, the superiority or inferiority of a user's resource exchange strategy can be more accurately evaluated based on past resource exchange behavior data, resource ownership data, and past revenue data. When exchanging resources with a user who has a superior resource exchange strategy, losses are more likely to occur, so the accuracy of resource exchange risk assessment can be improved based on past resource exchange behavior data, resource ownership data, and past revenue data.

[0070] It should be understood that, although the steps in the flowcharts related to each of the above embodiments are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated in the text, there are no strict restrictions on the order in which these steps are executed, and they may be executed in other orders. Also, at least some of the steps in the flowcharts related to each of the above embodiments include multiple steps or phases, and these steps or phases are not necessarily executed simultaneously, but may be executed at different times. The execution order of these steps or phases is also not necessarily sequential, and they may be executed alternately with other steps or some steps or phases of other steps, or in repetition.

[0071] Based on the same concept of the invention, embodiments of this application also provide a resource exchange processing device for realizing the resource exchange processing method related to the above. Since the method of realizing the problem provided by this device is similar to the method of realizing the method described above, specific limitations relating to one or more embodiments of the resource exchange processing device provided below can be referenced to the limitations of the resource exchange processing method described above and will not be described again here.

[0072] In one exemplary embodiment, as shown in Figure 4, a resource exchange processing device is provided. This device is A receiving module 402 receives a resource exchange request and extracts the resource exchange conditions and responder selection conditions included in the resource exchange request, A decision module 404 that determines an exchange responder that meets the resource exchange conditions and the responder selection conditions, Includes a resource exchange module 406 that performs resource exchange with the exchange responder in accordance with the resource exchange conditions.

[0073] In one exemplary embodiment, the decision module 404 further includes: It is used to determine candidate exchangers who meet the responder selection criteria, display resource exchange information corresponding to the resource exchange request to the candidate exchangers, and, in response to the candidate exchangers' response operation to the resource exchange information, determine a candidate exchanger who meets the resource exchange conditions as the exchange responder.

[0074] In one exemplary embodiment, the decision module 404 further includes: When candidate response information that conforms to the resource exchange conditions is received, it is used to determine a candidate responder corresponding to the candidate response information, and if the candidate responder satisfies the responder selection conditions, to determine the candidate responder as the exchange responder.

[0075] The resource exchange processing unit also includes a cancel module, and this cancel module is If a candidate responder does not meet the responder selection criteria, it is used to cancel the resource exchange request.

[0076] In one exemplary example, the undo module further, If a candidate responder does not meet the responder selection criteria, the candidate responder information is used to monitor the resource exchange results in the current resource exchange round. If the resource exchange results indicate that the resource exchange has failed, the resource exchange request is to be canceled.

[0077] In one exemplary embodiment, the responder selection criteria include a resource exchange risk threshold. After determining candidate responders corresponding to candidate response information, the decision module 404 further: The resource exchange risk assessment value of a candidate responder is obtained, and if the resource exchange risk assessment value is below the resource exchange risk threshold, it is determined that the candidate responder meets the responder selection criteria.

[0078] In one exemplary embodiment, the decision module 404 further includes: It is used to obtain at least one of the candidate responder's past resource exchange behavior data, resource ownership data, and past benefit data, and to perform a resource exchange risk assessment on the candidate responder based on at least one of the past resource exchange behavior data, resource ownership data, and past benefit data, and to obtain the candidate responder's resource exchange risk assessment value.

[0079] Each module of the resource exchange processing device described above can be implemented in whole or in part by software, hardware, or a combination of both. These modules can be embedded as hardware or reside independently within the processor of the computer device. Alternatively, these modules can be stored as software in the memory of the computer device, invoked by the processor, and perform the operation corresponding to each module.

[0080] In one exemplary embodiment, a computer device is provided. This device is a terminal, and its internal structure diagram can be shown in Figure 5. The computer device includes a processor, memory, input / output interfaces, communication interfaces, a display unit, and input devices. The processor, memory, and input / output interfaces are connected by a system bus, and the communication interfaces, display units, and input devices are connected to the system bus via the input / output interfaces. The processor of the computer device provides computing and control functions. The memory includes non-volatile storage media and internal memory. The non-volatile storage media stores the operating system (OS) and computer programs, and the internal memory provides the execution environment for the operating system and computer programs. The input / output interfaces are used to exchange information between the processor and external devices. The communication interfaces are used for wired or wireless communication with external terminals; wireless methods can be implemented using Wi-Fi, mobile cellular networks, Near Field Communication (NFC), or other technologies. Computer programs are executed by the processor and implement resource exchange processing methods. The display unit is used to form a visually visible screen and includes display screens, projection devices, or virtual reality imaging devices. The display screen may be an LCD screen or an e-paper display. The input device may be a touch layer superimposed on the display screen, or buttons, a trackball, or a touchpad located outside the computer device, or even an externally connected keyboard, touchpad, or mouse.

[0081] As those skilled in the art will understand, the structure shown in Figure 5 is merely a block diagram of a substructure relating to the solution of this application and does not limit the computer devices to which the solution of this application applies. Specific computer devices may contain more or fewer components than those shown in the figure, or a combination of some components. Furthermore, they may have different component arrangements.

[0082] In one embodiment, a computer device comprising memory and a processor is provided. A computer program is stored in the memory, and when that program is executed by the processor, the steps of the above-described embodiment of the method are realized.

[0083] In the embodiment, a computer-readable storage medium on which a computer program is recorded is provided. When this program is executed by a processor, the steps of the above embodiment of the method are realized.

[0084] In the embodiment, a computer program product is provided. The steps of the above embodiment of the method are realized when the computer program is executed by a processor.

[0085] All user information (including, but not limited to, user device information and user personal information) and data (including, but not limited to, data used for analysis, storage, display, etc.) related to this application are information authorized by the user or with the full authorization of each party concerned, and the collection, use, and processing of related data must comply with relevant regulations.

[0086] As those skilled in the art will understand, all or part of the processes of the above embodiments and methods can be completed through relevant hardware directed by a computer program. This computer program is stored on a non-volatile computer-readable storage medium, and when the program is executed, it includes the processes shown in the above embodiments of the methods. Any reference to storage mediums, databases, or other media used in each embodiment of this application should be understood to include at least one of non-volatile memory and volatile memory. Non-volatile memory includes read-only memory (ROM), magnetic tape, floppy disks, flash memory, photostatic memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetoresistive random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, and the like. Volatile memory includes random access memory (RAM) or external high-speed cache memory, and the like. For illustrative purposes only, RAM may include many forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The databases used in each embodiment of this application may include at least one relational database and a non-relational database. Non-relational databases include, but are not limited to, blockchain-based distributed databases.The processors related to each embodiment of this application may include, but are not limited to, general-purpose processors, central processing units (CPUs), graphics processors (GPUs), digital signal processors, programmable logic circuits, quantum computing-based data processing logic circuits, and artificial intelligence (AI) processors.

[0087] The technical features of the embodiments described above can be combined in any way. For the sake of brevity, not all combinations of the technical features of the embodiments described above have been explained, but these combinations of technical features should be considered to fall within the scope described herein, as long as they are not contradictory.

[0088] The embodiments described above are merely examples of some embodiments of this application, and although their descriptions are specific and detailed, they should not be interpreted as limiting the scope of protection of the invention. Furthermore, those skilled in the art can make some modifications and improvements as long as they do not deviate from the spirit of this application, and these too fall within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be the same as that of the claims.

Claims

1. A method for processing resource exchange, The relevant method includes: The process involves receiving a resource exchange request, extracting the resource exchange conditions and responder selection conditions included in the resource exchange request, and To determine an exchange respondent that meets the resource exchange conditions and the respondent selection conditions, A resource exchange processing method characterized by including performing a resource exchange with the exchange respondent in accordance with the resource exchange conditions.

2. Determining an exchange responder that meets the aforementioned resource exchange conditions and responder selection conditions is, To determine candidate exchangers who meet the aforementioned responder selection criteria, To display resource exchange information corresponding to the resource exchange request to the candidate exchanger, This includes determining a candidate exchanger who meets the resource exchange conditions as the exchange responder in response to the resource exchange information by the candidate exchanger, The method according to feature 1.

3. Determining an exchange responder that meets the aforementioned resource exchange conditions and responder selection conditions is, When candidate response information that conforms to the resource exchange conditions is received, a candidate responder corresponding to the candidate response information is determined, If the candidate responder satisfies the responder selection criteria, the candidate responder is determined to be the exchange responder, The aforementioned method, If the candidate responder does not meet the responder selection criteria, the resource exchange request is further canceled. The method according to feature 1.

4. If the candidate responder does not meet the responder selection criteria, the resource exchange request may be canceled. If the candidate responder does not meet the responder selection criteria, the candidate responder information will be used to monitor the resource exchange results in the current resource exchange round. If the resource exchange result is monitored to indicate that the resource exchange has failed, the resource exchange request is canceled. The method according to feature 3.

5. The aforementioned responder selection criteria include a resource exchange risk threshold. After determining the candidate responder corresponding to the aforementioned candidate response information, To obtain the resource exchange risk assessment value of the aforementioned candidate responder, If the resource exchange risk assessment value is less than the resource exchange risk threshold, it is determined that the candidate responder meets the responder selection criteria, further comprising: The method according to feature 3.

6. Obtaining the resource exchange risk assessment value of the aforementioned candidate responder is To obtain at least one of the following from the candidate responder's past resource exchange behavior data, resource ownership data, and past benefit data, The process further includes performing a resource exchange risk assessment on the candidate responder based on at least one of the past resource exchange behavior data, the resource holding data, and the past profit data, and obtaining the resource exchange risk assessment value of the candidate responder. The method according to specification 5.

7. Resource exchange processing device, The aforementioned device is A receiving module that receives a resource exchange request and extracts the resource exchange conditions and responder selection conditions included in the resource exchange request, A decision module for determining an exchange responder that meets the resource exchange conditions and the responder selection conditions, The system comprises a resource exchange module that performs resource exchange with the exchange respondent in accordance with the resource exchange conditions. A resource exchange processing device characterized by the following features.

8. A computer device including memory and a processor, A computer program is stored in the memory, and when the processor executes the computer program, the steps in the method according to any one of claims 1 to 6 are realized. A computer device characterized by the following features.

9. A computer-readable storage medium on which computer programs are stored, When the computer program is executed on the processor, the steps in the method according to any one of claims 1 to 6 are realized. A computer-readable storage medium characterized by the following features.

10. Computer program products, including computer programs, When the computer program is executed on the processor, the steps in the method according to any one of claims 1 to 6 are realized. A computer program product characterized by the following features.

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