CN108765144A - Processing method, terminal device and the medium of e-sourcing packet - Google Patents
Processing method, terminal device and the medium of e-sourcing packet Download PDFInfo
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- CN108765144A CN108765144A CN201810315727.7A CN201810315727A CN108765144A CN 108765144 A CN108765144 A CN 108765144A CN 201810315727 A CN201810315727 A CN 201810315727A CN 108765144 A CN108765144 A CN 108765144A
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Abstract
The present invention is suitable for Internet technical field, provides a kind of processing method, terminal device and the medium of e-sourcing packet, this method includes:Obtain the resource quantity that resource sender authorizes;In the online transaction platform docked in advance, associated financial product is matched, and buys the financial product for being equivalent to resource quantity;Acquisition and the relevant product purchase information of financial product, and e-sourcing packet is written into product purchase information;E-sourcing packet is sent to resource recipient;If detect extraction operation of the resource recipient to e-sourcing packet, the user information of resource recipient is read;According to user information, in online transaction platform, the share permission of financial product is changed, and product purchase information is showed in the terminal interface of resource recipient.The inclusion of e-sourcing packet is changed to financial product by the present invention from money currency, and user, which need not log in transaction platform, can also obtain the financial product of certain share permission, thus reduce operation complexity.
Description
Technical field
The invention belongs to Internet technical field more particularly to a kind of processing method of e-sourcing packet, terminal device and
Medium.
Background technology
With becoming increasingly popular for Internet technology, electronics red packet is occupied in the current consumption of user and amusement etc.
More consequence.It is passed to by Alipay, wealth pair and Third-party payments tool, the users such as wechat payment can break away from " paper
The traditional mode of red packet+cash " distributes red packet, alternatively, indirectly to client, relatives and friends or shop businessman etc. whenever and wherever possible
Execute transfer operation.Therefore, electronics red packet receives the welcome of broad masses.
Electronics red packet in actual use, according to the demand of transferring accounts of itself, user can believe the preset amount of money
Breath is set as the inclusion of electronics red packet.When other people click the electronics red packet, the electronic money with inclusion equivalence can get
Packet imports the amount of money.However, just because of electronics red packet in the prior art is only used for the amount information of carrying currency, thus it is wrapped
Inclusion is more single, can not further increase the recreational of electronics red packet, it is difficult to meet the individual demand of user.In addition,
Finance product investment field, although user can buy the finance and money management product needed for itself, investment using stored value card
Person can only could utilize and import in advance in electronics in Login Register financial transaction platform account and after binding the stored value card of oneself
Currency in wallet buys financial product, and therefore, the buying pattern of existing finance product is asked there are operation complexity is higher
Topic, thus also reduces the trading efficiency of financial product.
Invention content
In view of this, an embodiment of the present invention provides a kind of e-sourcing packet processing method, terminal device and medium, with solution
The buying pattern of certainly existing finance product has that operation complexity is higher and trading efficiency is more low.
The first aspect of the embodiment of the present invention provides a kind of processing method of e-sourcing packet, including:
Obtain the resource quantity that resource sender is authorized;
In the online transaction platform docked in advance, match with the associated financial product of the resource sender,
And buy the financial product for being equivalent to the resource quantity;
Acquisition and the relevant product purchase information of the financial product, and e-sourcing is written into the product purchase information
Bao Zhong;
The e-sourcing packet is sent to resource recipient;
If detect extraction operation of the resource recipient to the e-sourcing packet, the resource recipient is read
User information;
According to the user information, in the online transaction platform, by the share permission of the financial product by described
Resource sender is changed to the resource recipient, and the product purchase information is showed in the terminal of the resource recipient
Interface.
The second aspect of the embodiment of the present invention provides a kind of terminal device, including memory and processor, described to deposit
The computer program that can be run on the processor is stored in reservoir, the processor executes real when the computer program
Existing following steps:
Obtain the resource quantity that resource sender is authorized;
In the online transaction platform docked in advance, match with the associated financial product of the resource sender,
And buy the financial product for being equivalent to the resource quantity;
Acquisition and the relevant product purchase information of the financial product, and e-sourcing is written into the product purchase information
Bao Zhong;
The e-sourcing packet is sent to resource recipient;
If detect extraction operation of the resource recipient to the e-sourcing packet, the resource recipient is read
User information;
According to the user information, in the online transaction platform, by the share permission of the financial product by described
Resource sender is changed to the resource recipient, and the product purchase information is showed in the terminal of the resource recipient
Interface.
The third aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, the computer program to realize following steps when being executed by processor:
Obtain the resource quantity that resource sender is authorized;
In the online transaction platform docked in advance, match with the associated financial product of the resource sender,
And buy the financial product for being equivalent to the resource quantity;
Acquisition and the relevant product purchase information of the financial product, and e-sourcing is written into the product purchase information
Bao Zhong;
The e-sourcing packet is sent to resource recipient;
If detect extraction operation of the resource recipient to the e-sourcing packet, the resource recipient is read
User information;
According to the user information, in the online transaction platform, by the share permission of the financial product by described
Resource sender is changed to the resource recipient, and the product purchase information is showed in the terminal of the resource recipient
Interface.
In the embodiment of the present invention, the resource quantity authorized by obtaining resource sender is bought and is equivalent to the money automatically
The financial product of source quantity will be written with the relevant product purchase information of financial product in e-sourcing packet so that resource receives
Side can obtain the financial product that resource sender is given after receiving the e-sourcing packet that other people are distributed, and no longer
It is the money monetary information for merely receiving resource sender, it is thereby achieved that by the inclusion of e-sourcing packet from money goods
Value of money is changed to the financial product on practical significance, therefore solves the problems, such as that e-sourcing packet inclusion is single in the prior art.
When resource recipient wants purchase finance product, the reality of user is disclosure satisfy that based on the method that the embodiment of the present invention is provided
Consumption demand, and achieved the effect that intelligent financing;For a user, need not log in transaction platform can also obtain certain part
The financial product of volume permission, thus operation complexity is reduced, thus also improve the trading efficiency of financial product.
Description of the drawings
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description be only the present invention some
Embodiment for those of ordinary skill in the art without having to pay creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is the implementation flow chart of the processing method of e-sourcing packet provided in an embodiment of the present invention;
Fig. 2 is the specific implementation flow chart of the processing method S105 of e-sourcing packet provided in an embodiment of the present invention;
Fig. 3 is a specific implementation flow chart of the processing method S102 of e-sourcing packet provided in an embodiment of the present invention;
Fig. 4 is another specific implementation flow chart of the processing method S102 of e-sourcing packet provided in an embodiment of the present invention;
Fig. 5 is the structure diagram of the processing unit of e-sourcing packet provided in an embodiment of the present invention;
Fig. 6 is the schematic diagram of terminal device provided in an embodiment of the present invention.
Specific implementation mode
In being described below, for illustration and not for limitation, it is proposed that such as tool of particular system structure, technology etc
Body details, to understand thoroughly the embodiment of the present invention.However, it will be clear to one skilled in the art that there is no these specific
The present invention can also be realized in the other embodiments of details.In other situations, it omits to well-known system, device, electricity
The detailed description of road and method, in case unnecessary details interferes description of the invention.
In order to illustrate technical solutions according to the invention, illustrated below by specific embodiment.
Fig. 1 shows the implementation process of the processing method of e-sourcing packet provided in an embodiment of the present invention, this method flow
Including step S101 to S106.The specific implementation principle of each step is as follows:
S101:Obtain the resource quantity that resource sender is authorized.
In the embodiment of the present invention, resource sender sends out e-sourcing packet to its terminal device and sends instruction so that terminal
Equipment shows the resource quantity setting page.The page is set by resource quantity, receives the money that resource sender is inputted
After the quantity of source, to bound in resource sender bank card and licencing key be authenticated.When the authentication is successful, by current institute
The resource quantity received is determined as the resource quantity that resource sender is authorized.Wherein, resource quantity indicates resource sender
The red packet amount of money value paid.
Preferably, if detecting, resource quantity is more than predetermined threshold value, and resource sender is prompted to reset resource quantity.
S102:In the online transaction platform docked in advance, match and the associated finance of the resource sender
Product, and buy the financial product for being equivalent to the resource quantity.
In the embodiment of the present invention, by the mating interface being provided previously, docked with online transaction platform.It is above-mentioned online
Transaction platform be internet financial product transaction platform, be used to provide currency fund, stock fund, mixed type fund,
The transactional services of the noble metals such as bullion and silver finance product and other financial class finance products.
In the online transaction platform docked in advance, the multiclass financial product provided according to it is automatically initiated to wherein
One kind or the share value of all kinds of financial products bought request, and bought of multiclass financial product be equivalent to above-mentioned resource hair
The resource quantity that the side of sending is authorized.Preferably, the financial product bought automatically is specially:Online transaction platform is provided
The characteristic attribute for all kinds of financial products sold is detected, and is had with user's representation data of resource sender to automatically identify
After having larger associated a kind of or multiclass financial product, financial product, which is sent out, just to be determined to these and buys request.
When detecting the response message that online transaction platform is returned, number of resources that above-mentioned resource sender is authorized
Amount is transferred to the platform account of online transaction platform, and operation is bought with complete financial product.
S103:Acquisition and the relevant product purchase information of the financial product, and electricity is written into the product purchase information
In child resource packet.
When financial product, which buys operation, to be completed, the product purchase information that online transaction platform is returned is obtained.Above-mentioned production
Product purchase information includes but not limited to financial product title, type, share value and buys the date etc..
In the embodiment of the present invention, an e-sourcing packet, the product purchase information that online transaction platform is returned are generated
As in the carrier write-in e-sourcing packet of the e-sourcing packet.
S104:The e-sourcing packet is sent to resource recipient.
In the buddy list that the terminal device of resource sender is shown, detects the resource selected by resource sender and connect
Debit.The e-sourcing packet of above-mentioned carrying product purchase information is sent to resource recipient.Wherein, resource recipient can be with
It is single user object, can also be group of objects.
S105:If detect extraction operation of the resource recipient to the e-sourcing packet, the resource is read
The user information of recipient.
After e-sourcing packet is sent to resource recipient, e-sourcing packet is by the exhibition in the form of a default identification pattern
It is shown in the terminal device of resource recipient.If detecting, resource recipient presets identification pattern to this and sends out selection instruction,
Determine that the extraction operation of e-sourcing packet is triggered.At this point, the terminal device of resource recipient reads present terminal login account
Corresponding preset user information, alternatively, pop-up prompt window, to prompt resource recipient to input the user information of itself.Its
In, user information includes user name, Identity Code and financing account information etc..
In the embodiment of the present invention, the user information that resource receiving side terminal equipment is uploaded is received.
As an embodiment of the present invention, Fig. 2 shows the processing sides of e-sourcing packet provided in an embodiment of the present invention
Another specific implementation flow of method S105, details are as follows:
S1051:When detecting extraction operation of the resource recipient to the e-sourcing packet, the first option is shown
Control and the second option control;First option control is withdrawn deposit event for triggering e-sourcing packet, second option
What control was used to trigger e-sourcing packet carrier gets event.
In the embodiment of the present invention, when detect resource recipient to for indicate e-sourcing packet default identification pattern send out
When going out to choose instruction, the user information of resource reciever is not directly acquired, but at least two are generated on its terminal interface
Option control, including the first option control and the second option control.Wherein, be identified with and withdraw deposit on the first option control event
Relevant prompt message is identified with the relevant prompt of event of getting with e-sourcing packet carrier on the second option control and believes
Breath.For example, showing identifier " withdrawing deposit " on the first option control, show that identifier " lead by present on the second option control
It takes ".
S1052:When detecting the touch control operation to first option control, in the online transaction platform, sell
The financial product, and the obtained sale amount of money is stored in the default account of the resource recipient.
When the selection instruction based on the first option control that the terminal device for receiving resource recipient is sent out, pre-
The online transaction platform first docked is sold according to the above-mentioned financial product of resource sender institute authority to purchase (AP) in the market at current time
Amount of money value is sold, which is subjected to heavy selling processing, the financial product for the above-mentioned share pre-purchaseing is converted into equivalence
Electronic money after, be deposited into resource recipient in the default account of the online transaction platform.
Preferably, while detecting the touch control operation to the first option control, if receiving the end of resource recipient
The condition setting instruction that end equipment is sent out, then reading conditions setting instruct entrained selling term.Wherein, selling term packet
Include but be not limited to the default sale time and sell volume value etc..If selling term include it is default sell the time, pre- set out at this
When selling time arrival, just the financial product is carried out to sell off and will sell the default account of amount of money deposit;If selling term includes
Sale volume value, then every preset time interval, the market sale unit price value according to financial product at current time calculates finance
Product estimates gross sales amount.Only when estimating gross sales amount more than or equal to sale volume value, just the financial product is thrown
It sells and amount of money deposit will be sold and preset account.
Preferably, after it will sell amount of money deposit and preset account, the completion prompt message that will withdraw deposit is back to resource recipient.
S1053:When detecting the touch control operation to second option control, the user of the resource recipient is read
Information.
When the selection instruction based on the second option control that the terminal device for receiving resource recipient is sent out, determine
Resource recipient needs to get the value gift that resource sender is given, at this point, the user information of resource recipient is just read,
To execute subsequent gift share transfer operation.
In the embodiment of the present invention, by the way that when detecting extraction operation of the resource recipient to e-sourcing packet, displaying is used
In triggering withdraw deposit event the first option control and get for triggering carrier the second option control of event so that resource
Recipient can further determine that the Resource Access object needed for oneself, improve the selection flexibility of e-sourcing packet, avoid
In the product purchase information for receiving financial product, resource recipient needs voluntarily to log in online transaction platform execution finance production
Therefore the vending operation of product reduces the cumbersome degree of e-sourcing packet cash withdrawal operation.
S106:According to the user information, in the online transaction platform, by the share permission of the financial product by
The resource sender is changed to the resource recipient, and the product purchase information is showed in the resource recipient's
Terminal interface.
In the embodiment of the present invention, when reading the user information of resource recipient, share is sent out to online transaction platform
Permission modification application, and the user information of resource recipient is uploaded to online transaction platform.In online transaction platform, according to connecing
The product purchase information of the user information received and the resource sender acquired in advance, the financial product that it has been bought
Share permission resource recipient is changed to by resource sender, and information is bought in upgrading products together, by updated production
After product purchase information is sent to the terminal device of resource recipient, enable the terminal device of resource recipient to the product purchase information
It is shown.
In the embodiment of the present invention, the resource quantity authorized by obtaining resource sender, and buy automatically and be equivalent to this
The financial product of resource quantity will be written with the relevant product purchase information of financial product in e-sourcing packet so that resource connects
Debit can obtain the finance product that resource sender is given after receiving the e-sourcing packet that other people are distributed, without
It is the money currency for merely receiving resource sender again, it is thereby achieved that by the inclusion of e-sourcing packet from money currency
The finance product being changed on practical significance, therefore solve the problems, such as that e-sourcing packet inclusion is single in the prior art.Work as money
When source recipient wants purchase finance product, the real consumption of user is disclosure satisfy that based on the method that the embodiment of the present invention is provided
Demand, and achieved the effect that intelligent financing;For a user, need not log in transaction platform can also obtain certain share power
The financial product of limit, thus operation complexity is reduced, thus also improve the trading efficiency of financial product.
As an embodiment of the present invention, Fig. 3 shows the processing side of e-sourcing packet provided in an embodiment of the present invention
The specific implementation flow of method S102, details are as follows:
S1021:Obtain user's representation data of the resource sender.
After receiving the resource quantity that resource sender is authorized, request resource sender uploads its user portrait number
According to.User's representation data includes but not limited to annual income situation and investment field information of resource sender etc., meanwhile, it transfers
History purchaser record of the resource sender in above-mentioned online transaction platform, using as user's representation data therein.On
It is the financial product investment field that resource sender more pays close attention to recently, such as stock, fund, your gold to state investment field information
The investment fields such as category, national debt.
S1022:Analyzing processing is carried out to user's representation data, according to analyzing processing as a result, from the online friendship
In a variety of financial products that easy platform is provided, determine and matched first financial product of user's representation data.
In the embodiment of the present invention, the analyzing processing to user's representation data is executed, to determine the annual income of resource sender
An affiliated annual income pre-set interval of value and the class for determining to buy the most financial product of number in history purchaser record
Type.The mesh of resource sender can be predicted out after analyzing above-mentioned every user's representation data by big data analysis algorithm
Mark investment product, that is, determine the kind of resource sender financial product of institute's authority to purchase (AP) in online transaction platform.
Specifically, the most finance of number will be bought in the above-mentioned annual income pre-set interval determined, history purchaser record
The type and investment field information of product imported into preset shot and long term memory network (Long Short-Term Memory,
LSTM) model, to be adjusted to the parameters in the LSTM neural network models.Above-mentioned LSTM neural network models
The adjustment model for practising parameter is as follows:
Wherein, above-mentioned InAn input training parameter for indicating LSTM neural network models, for example, I1For the history of user A
The type of the most financial product of number is bought in purchaser record;I2For the investment field information of user A;I3It is received for the year of user A
Enter pre-set interval;Above-mentioned user A is the user of known target investment product information.Above-mentioned S is the kind of the financial product of prediction,
θ is learning parameter, and p (S | I1,I2,I2,…,In;θ) it is correct probability value that prediction result is, θ*It is taken to work as the correct probability value
When maximum, the corresponding learning parameter of LSTM models.
By above-mentioned adjustment model, the θ of LSTM neural network models is determined*Value, with the LSTM after the completion of being trained
Neural network model.At this point, by resource sender in above-mentioned I1,I2,I2,…,InMiddle corresponding user's representation data is led
Enter to the LSTM neural network models so that LSTM neural network models export corresponding S values, i.e. resource sender is handing over online
The kind of the financial product of institute's authority to purchase (AP) in easy platform.
S1023:First financial product is bought, and the purchase volume of first financial product is made to be equivalent to the resource
Quantity.
According to the kind of the above-mentioned financial product determining to match with resource sender user's representation data,
In line transaction platform, initiate to be worth the share for the financial product of the financial product of above-mentioned kind bought request, and bought
It is equivalent to the resource quantity that above-mentioned resource sender is authorized.
In the embodiment of the present invention, by obtaining user's representation data of resource sender, with according to user's representation data
To predict the required financial product bought so that the financial product that system is bought automatically can meet the purchase of resource sender
Custom is bought, ensure that the product purchase information that e-sourcing packet is included can embody its type of recommendation to financial product.
In another scene, above-mentioned steps S102 is matched and the resource in the online transaction platform docked in advance
The associated financial product of sender, and the financial product for being equivalent to the resource quantity is bought, including:Obtain resource
User's representation data of recipient;To user's representation data carry out analyzing processing, with according to analyzing processing as a result, from online
In a variety of financial products that transaction platform is provided, determine to produce with the matched finance of user's representation data of resource recipient
Product;The financial product is bought, and the purchase volume of the financial product is made to be equivalent to the resource quantity, thereby ensures that the gold of purchase
Melt the personalized consumption demand that product disclosure satisfy that resource recipient.The step realization principle that do not mentioned in the present embodiment and front
The step realization principle that each embodiment is previously mentioned is identical, therefore no longer repeats one by one.
As another embodiment of the present invention, Fig. 4 shows the processing side of e-sourcing packet provided in an embodiment of the present invention
Another specific implementation flow of method S102, details are as follows:
S1024:User's representation data of the resource sender and the resource recipient are obtained respectively.
S1025:In a variety of financial products that the online transaction platform is provided, determine respectively and the money
The first financial product that user's representation data of source sender matches and user's representation data with the resource recipient
The second financial product to match.
As the implementation example of the present invention, if user's representation data includes the financial product browsing record of user, such as
Browsing pages stay time or the browsing frequency, then the browsing duration height according to it on the displayed page of each financial product or
Frequency height is browsed, every financial product is ranked up, and the most preceding financial product that will sort is identified as the use with the user
The financial product that family representation data matches.Therefore, it is based on aforesaid way, is obtaining resource sender and resource recipient
After user's representation data, it may be determined that go out the first financial product to match with user's representation data of resource sender and with
The second financial product that user's representation data of resource recipient matches.
It, can also be based on the training side for the LSTM models being previously mentioned in above-described embodiment as another implementation example of the present invention
Formula and parameter lead-in mode are determined and matched first financial product of user's representation data of resource sender;Similarly,
It determines to send with resource based on the training method for the LSTM models being previously mentioned in above-described embodiment and parameter lead-in mode
Matched second financial product of user's representation data of side.
S1026:The investment risk value of first financial product and second financial product is obtained respectively, and is bought
The wherein described investment risk is worth lower financial product, and the purchase volume of the financial product is made to be equivalent to the resource quantity.
There is corresponding investment risk value in each financial product that online transaction platform is offered for sale.Investment risk value
The factors such as earning rate, dividend and the economic environment in investment location based on financial product in past preset duration are come in advance
Assessment determines.According to preset financial product and the correspondence of investment risk value, determine respectively in above-mentioned steps S1025
The investment risk value of first financial product and the second financial product.
By comparing the magnitude relationship of the investment risk value of the first financial product and the second financial product, determine to invest
The relatively low financial product of value-at-risk, then in online transaction platform, initiation buys request to the financial product, and buys
The financial product share value be equivalent to the resource quantity that above-mentioned resource sender is authorized.
In the embodiment of the present invention, since the favorite investment way of different user institute is different, some consumer taste risk height are received
The big financial product of benefit, the small financial product of some consumer taste risks, and the product purchase information that e-sourcing packet is included
Be for giving in resource recipient, therefore, by obtaining user's representation data of resource sender and resource recipient,
The first financial product that preliminary judgement and user's representation data of resource sender match and the user with resource recipient
The second financial product that representation data matches, and then the lower financial product of wherein investment risk value is bought, ensure money
Source recipient user can obtain the financial product of the safer stabilization of income, realize the reasonable sexual transaction of financial product, reach
The effect of intelligent financing is arrived.
As another embodiment of the present invention, in above-mentioned steps S104, the e-sourcing packet is sent to resource and is connect
When debit, if the number of the e-sourcing packet sent simultaneously is greater than or equal to two, the processing method of the e-sourcing packet is also
Including:
To any e-sourcing packet, the e-sourcing packet is carried if any user is not detected in preset duration
Extract operation, then the product purchase information carried according to the e-sourcing packet, in the online transaction platform, sell with
The matched financial product of the product purchase information;
The number for the e-sourcing packet got is obtained, and the corresponding sale amount of money of the financial product is random
It is divided into and the same number of more parts of bonuses;
According to the numerical values recited of the bonus, sequentially every portion bonus is stored in respectively described in being extracted
In the default account of the resource recipient of e-sourcing packet, so that e-sourcing packet gets the time, the resource connects earlier
The bonus that debit distributes gets the time later resource recipient more than e-sourcing packet.
Specifically, resource sender can be simultaneously emitted by K (K is more than 1 integer) a e-sourcing packet in group, then
When the e-sourcing packet for detecting that K different users are sent out respectively extracts instruction, which is determined as a resource and is connect
Debit, and the said goods purchase information is sent to resource recipient.
In the embodiment of the present invention, if resource sender is simultaneously emitted by K e-sourcing packet in group, and in preset duration
It is interior, only determine L (L<K) a resource recipient then shares (K-L) a e-sourcing packet and is not extracted by.At this point, a at (K-L)
It,, will be with the production in online transaction platform according to the product purchase information that each e-sourcing packet is carried in e-sourcing packet
The financial product of product purchase information matches carries out real-time sales processing, to obtain gained after (K-L) a e-sourcing packet is withdrawn deposit
The total value arrived, that is, sell the amount of money.
According to the sum for the e-sourcing packet got, the above-mentioned sale amount of money acquired is randomly divided into and the number
The identical more parts of bonuses of mesh.For example, in the examples described above, the sum for the e-sourcing packet got is L, then will sell gold
Volume is randomly divided into L parts, and it is a bonus that each of which part, which sells the amount of money,.In the embodiment of the present invention, received with each resource
The reward sides Fang Zuowei.A bonus is distributed for each reward side.Specifically, a bonus is stored in a resource recipient's
In default account.
Further, when detecting the extraction instruction corresponding to each e-sourcing packet, the e-sourcing packet is recorded
Extraction time stores the extraction time and the correspondence of its resource recipient.If after preset duration, providing
In the K e-sourcing packet that source sender is simultaneously emitted by, non-extracted e-sourcing packet is still remained, then reads and has stored
Each resource recipient and extraction time correspondence, according to the sequencing of extraction time, to be received for each resource
Side is ranked up number.Meanwhile according to the amount of money volume value size of every a bonus, number is ranked up to each part bonus.
Every a bonus deposit is numbered with it in the default account of identical resource recipient.
It is corresponding to obtain by being sold for non-extracted e-sourcing packet in the embodiment of the present invention
The amount of money is sold, and obtained all sale amount of money are divided into more parts of bonuses, according to the amount of money volume value size of bonus, will be rewarded
Gold distribution ensure that the resource quantity that resource sender is authorized can to the resource recipient for the e-sourcing packet being extracted
It is fairly distributed without being wasted, also, resource recipient could obtain the higher prize of amount only when extraction rate is very fast
It encourages, thus also improves the recreational of e-sourcing packet.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Corresponding to the processing method of the e-sourcing packet described in foregoing embodiments, Fig. 5 shows that the embodiment of the present invention provides
E-sourcing packet processing unit structure diagram.For convenience of description, only the parts related to this embodiment are shown.
With reference to Fig. 5, which includes:
First acquisition unit 51, the resource quantity authorized for obtaining resource sender.
Unit 52 is bought, in the online transaction platform docked in advance, matching and being associated with the resource sender
The financial product, and buy the financial product for being equivalent to the resource quantity.
Second acquisition unit 53, for obtain with the relevant product purchase information of the financial product, and by the product
It buys in information write-in e-sourcing packet.
Transmission unit 54, for the e-sourcing packet to be sent to resource recipient.
Reading unit 55, if when for detecting extraction operation of the resource recipient to the e-sourcing packet, reading
Take the user information of the resource recipient.
Changing unit 56 is used for according to the user information, in the online transaction platform, by the financial product
Share permission is changed to the resource recipient by the resource sender, and the product purchase information is showed in the money
The terminal interface of source recipient.
Optionally, the unit 52 of buying includes:
First obtains subelement, user's representation data for obtaining the resource sender.
First determination subelement, for user's representation data carry out analyzing processing, according to analyzing processing as a result,
In a variety of financial products provided from the online transaction platform, determine and user's representation data matched
One financial product.
First buys subelement, for buying first financial product, and makes the purchase volume of first financial product
It is equivalent to the resource quantity.
Optionally, the unit 52 of buying includes:
Second obtains subelement, and the user for obtaining the resource sender and the resource recipient respectively draws a portrait
Data.
Second determination subelement, in a variety of financial products that the online transaction platform is provided, distinguishing
Determine the first financial product that user's representation data with the resource sender matches and with the resource recipient
The second financial product for matching of user's representation data.
Second buys subelement, the investment for obtaining first financial product and second financial product respectively
Value-at-risk, and the wherein described lower financial product of investment risk value is bought, and the purchase volume of the financial product is made to be equivalent to institute
State resource quantity.
Optionally, the reading unit 55 includes:
Subelement is shown, for when detecting extraction operation of the resource recipient to the e-sourcing packet, opening up
Show the first option control and the second option control;First option control is withdrawn deposit event for triggering e-sourcing packet, institute
It states the second option control and gets event for trigger e-sourcing packet carrier.
Subelement is sold, for when detecting the touch control operation to first option control, in the online transaction
Platform sells the financial product, and the obtained sale amount of money is stored in the default account of the resource recipient.
Reading subunit, for when detecting the touch control operation to second option control, reading the resource and connecing
The user information of debit.
Optionally, it is described the e-sourcing packet is sent to resource recipient when, if the electronics sent simultaneously
Resource packet is two or more, then the processing unit of the e-sourcing packet further includes:
Unit is sold, is used for any e-sourcing packet, if any user is not detected in preset duration to this
The extraction operation of e-sourcing packet, the then product purchase information carried according to the e-sourcing packet, in the online friendship
In easy platform, sell and the matched financial product of the product purchase information.
Third acquiring unit, the number for obtaining the e-sourcing packet got, and by the financial product
The corresponding sale amount of money is randomly divided into and the same number of more parts of bonuses.
Allocation unit sequentially will be respectively stored in for the numerical values recited according to the bonus per a bonus
In the default account of the resource recipient for the e-sourcing packet being extracted so that e-sourcing packet get the time compared with
The bonus that the early resource recipient distributes gets the time later resource more than e-sourcing packet
Recipient.
Fig. 6 is the schematic diagram for the terminal device that one embodiment of the invention provides.As shown in fig. 6, the terminal of the embodiment is set
Standby 6 include:Processor 60, memory 61 and it is stored in the meter that can be run in the memory 61 and on the processor 60
Calculation machine program 62, for example, e-sourcing packet processing routine.The processor 60 is realized when executing the computer program 62
State the step in the processing method embodiment of each e-sourcing packet, such as step 101 shown in FIG. 1 is to 106.Alternatively, described
Processor 60 realizes the function of each module/unit in above-mentioned each device embodiment, such as Fig. 5 when executing the computer program 62
The function of shown unit 51 to 56.
Illustratively, the computer program 62 can be divided into one or more module/units, it is one or
Multiple module/units are stored in the memory 61, and are executed by the processor 60, to complete the present invention.Described one
A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, which is used for
Implementation procedure of the computer program 62 in the terminal device 6 is described.
The terminal device 6 can be that the calculating such as desktop PC, notebook, palm PC and cloud server are set
It is standby.The terminal device may include, but be not limited only to, processor 60, memory 61.It will be understood by those skilled in the art that Fig. 6
The only example of terminal device 6 does not constitute the restriction to terminal device 6, may include than illustrating more or fewer portions
Part either combines certain components or different components, such as the terminal device can also include input-output equipment, net
Network access device, bus etc..
Alleged processor 60 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng.
The memory 61 can be the internal storage unit of the terminal device 6, such as the hard disk of terminal device 6 or interior
It deposits.The memory 61 can also be to be equipped on the External memory equipment of the terminal device 6, such as the terminal device 6
Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card dodge
Deposit card (Flash Card) etc..Further, the memory 61 can also both include the storage inside list of the terminal device 6
Member also includes External memory equipment.The memory 61 is for storing needed for the computer program and the terminal device
Other programs and data.The memory 61 can be also used for temporarily storing the data that has exported or will export.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, it can also
It is that each unit physically exists alone, it can also be during two or more units be integrated in one unit.Above-mentioned integrated list
The form that hardware had both may be used in member is realized, can also be realized in the form of SFU software functional unit.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can be stored in a computer read/write memory medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes:USB flash disk, mobile hard disk, read-only memory (Read-Only Memory,
ROM), random access memory (Random Access Memory, RAM), magnetic disc or CD etc. are various can store program
The medium of code.
The above, above example are only to illustrate the technical solution of the application, rather than its limitations;Although with reference to before
Embodiment is stated the application is described in detail, it will be understood by those of ordinary skill in the art that:It still can be to preceding
The technical solution recorded in each embodiment is stated to modify or equivalent replacement of some of the technical features;And these
Modification or replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of processing method of e-sourcing packet, which is characterized in that including:
Obtain the resource quantity that resource sender is authorized;
In the online transaction platform docked in advance, match and the associated financial product of the resource sender, merger
Enter to be equivalent to the financial product of the resource quantity;
Acquisition and the relevant product purchase information of the financial product, and e-sourcing packet is written into the product purchase information
In;
The e-sourcing packet is sent to resource recipient;
If detect extraction operation of the resource recipient to the e-sourcing packet, the use of the resource recipient is read
Family information;
According to the user information, in the online transaction platform, by the share permission of the financial product by the resource
Sender is changed to the resource recipient, and the product purchase information is showed in terminal circle of the resource recipient
Face.
2. processing method as described in claim 1, which is characterized in that it is described in the online transaction platform docked in advance,
Allot with the associated financial product of the resource sender, and buy be equivalent to the resource quantity it is described finance production
Product, including:
Obtain user's representation data of the resource sender;
Analyzing processing is carried out to user's representation data, according to analyzing processing as a result, being carried from the online transaction platform
In a variety of financial products supplied, determine and matched first financial product of user's representation data;
First financial product is bought, and the purchase volume of first financial product is made to be equivalent to the resource quantity.
3. processing method as described in claim 1, which is characterized in that it is described in the online transaction platform docked in advance,
Allot with the associated financial product of the resource sender, and buy be equivalent to the resource quantity it is described finance production
Product, including:
User's representation data of the resource sender and the resource recipient are obtained respectively;
In a variety of financial products that the online transaction platform is provided, determined respectively with the resource sender's
The first financial product that user's representation data matches and match with user's representation data of the resource recipient
Two financial products;
The investment risk value of first financial product and second financial product is obtained respectively, and buys the wherein described throwing
The lower financial product of value-at-risk is provided, and the purchase volume of the financial product is made to be equivalent to the resource quantity.
4. processing method as described in claim 1, which is characterized in that if described detect the resource recipient to the electricity
When the extraction operation of child resource packet, the user information of the resource recipient is read, including:
When detecting extraction operation of the resource recipient to the e-sourcing packet, the first option control and the are shown
Two option controls;First option control is withdrawn deposit event for triggering e-sourcing packet, and second option control is for touching
Power generation child resource packet carrier gets event;
When detecting the touch control operation to first option control, in the online transaction platform, the finance production is sold
Product, and the obtained sale amount of money is stored in the default account of the resource recipient;
When detecting the touch control operation to second option control, the user information of the resource recipient is read.
5. processing method as described in claim 1, which is characterized in that the e-sourcing packet is sent to resource connects described
When debit, if the e-sourcing packet sent simultaneously be two or more, the processing method of the e-sourcing packet
Further include:
To any e-sourcing packet, the extraction of the e-sourcing packet is grasped if any user is not detected in preset duration
Make, then the product purchase information carried according to the e-sourcing packet, in the online transaction platform, sells and the production
Product buy the financial product of information matches;
The number for the e-sourcing packet got is obtained, and the corresponding sale amount of money of the financial product is randomly divided into
With the same number of more parts of bonuses;
According to the numerical values recited of the bonus, every portion bonus is sequentially stored in the electronics being extracted respectively
In the default account of the resource recipient of resource packet, so that e-sourcing packet gets the time resource recipient earlier
The bonus distributed gets the time later resource recipient more than e-sourcing packet.
6. a kind of terminal device, including memory and processor, it is stored with and can transports on the processor in the memory
Capable computer program, which is characterized in that the processor realizes following steps when executing the computer program:
Obtain the resource quantity that resource sender is authorized;
In the online transaction platform docked in advance, match and the associated financial product of the resource sender, merger
Enter to be equivalent to the financial product of the resource quantity;
Acquisition and the relevant product purchase information of the financial product, and e-sourcing packet is written into the product purchase information
In;
The e-sourcing packet is sent to resource recipient;
If detect extraction operation of the resource recipient to the e-sourcing packet, the use of the resource recipient is read
Family information;
According to the user information, in the online transaction platform, by the share permission of the financial product by the resource
Sender is changed to the resource recipient, and the product purchase information is showed in terminal circle of the resource recipient
Face.
7. terminal device as claimed in claim 6, which is characterized in that it is described in the online transaction platform docked in advance,
Allot with the associated financial product of the resource sender, and buy be equivalent to the resource quantity it is described finance production
Product, including:
Obtain user's representation data of the resource sender;
Analyzing processing is carried out to user's representation data, according to analyzing processing as a result, being carried from the online transaction platform
In a variety of financial products supplied, determine and matched first financial product of user's representation data;
First financial product is bought, and the purchase volume of first financial product is made to be equivalent to the resource quantity.
8. terminal device as claimed in claim 6, which is characterized in that it is described in the online transaction platform docked in advance,
Allot with the associated financial product of the resource sender, and buy be equivalent to the resource quantity it is described finance production
Product, including:
User's representation data of the resource sender and the resource recipient are obtained respectively;
In a variety of financial products that the online transaction platform is provided, determined respectively with the resource sender's
The first financial product that user's representation data matches and match with user's representation data of the resource recipient
Two financial products;
The investment risk value of first financial product and second financial product is obtained respectively, and buys the wherein described throwing
The lower financial product of value-at-risk is provided, and the purchase volume of the financial product is made to be equivalent to the resource quantity.
9. terminal device as claimed in claim 6, which is characterized in that the e-sourcing packet is sent to resource connects described
When debit, if the e-sourcing packet sent simultaneously is two or more, the processor executes the computer
When program, following steps are also realized:
To any e-sourcing packet, the extraction of the e-sourcing packet is grasped if any user is not detected in preset duration
Make, then the product purchase information carried according to the e-sourcing packet, in the online transaction platform, sells and the production
Product buy the financial product of information matches;
The number for the e-sourcing packet got is obtained, and the corresponding sale amount of money of the financial product is randomly divided into
With the same number of more parts of bonuses;
According to the numerical values recited of the bonus, every portion bonus is sequentially stored in the electronics being extracted respectively
In the default account of the resource recipient of resource packet, so that e-sourcing packet gets the time resource recipient earlier
The bonus distributed gets the time later resource recipient more than e-sourcing packet.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, feature to exist
In when the computer program is executed by processor the step of any one of such as claim 1 to 5 of realization the method.
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CN201810315727.7A CN108765144B (en) | 2018-04-10 | 2018-04-10 | Electronic resource package processing method, terminal device and medium |
PCT/CN2018/097454 WO2019196254A1 (en) | 2018-04-10 | 2018-07-27 | Electronic resource packet processing method and apparatus, terminal device and medium |
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CN108765144B (en) | 2023-04-14 |
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