CN111028075B - Virtual resource transfer method, device and equipment - Google Patents
Virtual resource transfer method, device and equipment Download PDFInfo
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
A virtual resource transfer method, device and equipment are disclosed. The virtual resource transfer method comprises the following steps: acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; obtaining information of a transfer channel of a virtual resource; determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel; and performing virtual resource transfer according to the determined virtual resource transfer scheme.
Description
Technical Field
The present invention relates to the field of internet technologies, and in particular, to a virtual resource transfer method, device and equipment.
Background
The cross-border remittance refers to a personal or enterprise-oriented financial foreign exchange business which is carried out from one country or region to another country or region and accords with the national or regional financial supervision and quota rule, and remittance and collection links support the same or different currencies. There are many companies currently on the market that focus on cross-border money transfer services. Because the international exchange rate is in an irregular fluctuation state, and exchange rate quotations of different transfer channels are different, exchange rates of different currencies and the same currencies are unpredictable, and therefore different costs can be consumed when the same money is settled at different times or in different currencies. However, the current cross-border money transfer business only supports the transaction and settlement of fixed channels and fixed currencies, has no active method facing the fluctuation of the market exchange rate, is easily affected by the fluctuation of the market exchange rate, has the possibility of loss if the market exchange rate is continuous or suddenly low, and has a larger uncertain risk. In addition, the current cross-border remittance business cannot adjust the distribution of transaction and cooperation channels according to actual conditions, and has insufficient flexibility. Even with the benefit, the maximum benefit may not be realized.
Disclosure of Invention
The embodiment of the invention provides a virtual resource transfer method, a device and equipment, which are used for automatically distributing transfer channels according to the current exchange rate and transfer cost when money transfer occurs on the premise that the transfer destination amount is kept unchanged, directly determining the settlement currency of the money transfer, and ensuring that the cost is saved to the greatest extent, namely obtaining the maximum business income. In addition, the distribution process of the transfer channel and the distribution process of the settlement currency are not perceived at the user side, namely, the maximum business income is obtained on the premise of ensuring the same good perception of the user.
The embodiment of the invention provides a virtual resource transfer method, which comprises the following steps: acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; obtaining information of a transfer channel of a virtual resource; determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel; and performing virtual resource transfer according to the determined virtual resource transfer scheme.
According to an embodiment of the present invention, the information of the transfer channel includes at least one of: availability status information of the transfer channel, information of whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel; wherein the resource exchange rate information includes: resource exchange rates of virtual resources of each category in the first set of resources to virtual resources of each category in the second set of resources; wherein the settlement cost information includes: settlement costs for each class of virtual resources in the first set of resources to each class of virtual resources in the second set of resources.
According to an embodiment of the present invention, the determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel includes: determining a virtual resource transfer scheme according to at least one dimension, wherein the at least one dimension comprises at least one of: the availability status dimension of the transfer channel, the dimension of whether the transfer channel accepts the resource transfer request of the current user, the dimension of the maximum transfer quantity currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel; the dimension priority of the availability state dimension of the transfer channel is higher than the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user or not; whether the transfer channel accepts the dimension priority of the resource transfer request of the current user is higher than the dimension priority of the dimension of the maximum transfer number currently supported by the transfer channel; the dimension priority of the dimension of the maximum transfer number currently supported by the transfer channel is higher than the dimension priority of the dimension of the resource exchange rate of the transfer channel; the resource exchange rate dimension of the transfer channel has a dimension priority equal to the dimension priority of the settlement cost dimension of the transfer channel.
According to an embodiment of the present invention, determining the virtual resource transfer scheme includes: for each transfer channel, excluding the resource transfer scheme associated with that transfer channel from the virtual resource transfer scheme if at least one of the following is satisfied: the information of the transfer channel indicates that the transfer channel is currently unavailable; the information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user currently requesting the resource transfer; the information of the transfer channel indicates that the maximum number of transfers currently supported by the transfer channel is less than the number of transfers currently being transferred by the virtual resource.
According to an embodiment of the present invention, the initial virtual resource includes a plurality of categories of virtual resources, wherein information of transfer channels of the virtual resources is acquired in real time through a network, and wherein determining the virtual resource transfer scheme includes: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource of each category; a resource transfer scheme is determined based on the determined resource transfer costs corresponding to the initial virtual resources of each category.
According to the embodiment of the invention, the initial resource cost corresponding to the initial virtual resources of each category is determined based on the resource exchange rate of the initial virtual resources of each category to the target virtual resources and the number of the target virtual resources; determining a resource transfer cost corresponding to the initial virtual resource of each category based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category; and determining a resource transfer scheme based on the determined minimum value of the resource transfer costs corresponding to the initial virtual resources of each category.
According to an embodiment of the present invention, determining a resource transfer scheme based on a minimum value of the determined resource transfer costs corresponding to the initial virtual resources of each category includes: determining standardized resource transfer costs corresponding to the initial virtual resources of each category based on the predetermined resource exchange rate of the initial virtual resources of each category for the predefined standard virtual resources and the resource transfer costs corresponding to the initial virtual resources of each category; and determining a resource transfer scheme based on the determined minimum value of standardized resource transfer costs corresponding to the initial virtual resources of each category.
According to an embodiment of the present invention, the determining a virtual resource transfer scheme includes: a transfer channel for the transfer is determined and an initial virtual resource category for settlement is determined.
According to an embodiment of the present invention, the settlement cost information includes a unit transfer cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources or a fixed cost associated with each resource transfer.
The embodiment of the invention provides a virtual resource transfer device, which comprises: an information reception monitoring module configured to: acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; obtaining information of a transfer channel of the virtual resource; a transfer channel splitting module configured to: determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel; and an information storage module configured to: and storing the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme is used for virtual resource transfer.
According to an embodiment of the present invention, the information of the transfer channel includes at least one of: availability status information of the transfer channel, information of whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel; wherein the resource exchange rate information includes: resource exchange rates of virtual resources of each category in the first set of resources to virtual resources of each category in the second set of resources; wherein the settlement cost information includes: settlement costs for each class of virtual resources in the first set of resources to each class of virtual resources in the second set of resources.
According to an embodiment of the present invention, the initial virtual resource includes a plurality of categories of virtual resources, wherein information of transfer channels of the virtual resources is acquired in real time through a network, and wherein determining the virtual resource transfer scheme includes: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource of each category; determining a resource transfer scheme based on the determined resource transfer costs corresponding to the initial virtual resources of each category; wherein the initial resource cost corresponding to the initial virtual resources of each category is determined based on the resource exchange rate of the initial virtual resources of each category to the target virtual resources and the number of the target virtual resources; determining a resource transfer cost corresponding to the initial virtual resource of each category based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category; and determining a resource transfer scheme based on the determined minimum value of the resource transfer costs corresponding to the initial virtual resources of each category.
According to an embodiment of the present invention, wherein determining the resource transfer scheme based on the determined minimum value of the resource transfer costs corresponding to the initial virtual resources of each category comprises: determining standardized resource transfer costs corresponding to the initial virtual resources of each category based on the predetermined resource exchange rate of the initial virtual resources of each category for the predefined standard virtual resources and the resource transfer costs corresponding to the initial virtual resources of each category; and determining a resource transfer scheme based on the determined minimum value of standardized resource transfer costs corresponding to the initial virtual resources of each category.
The embodiment of the invention provides virtual resource transfer equipment, which comprises the following components: a receiving unit configured to: acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; obtaining information of a transfer channel of the virtual resource; a processor; a memory having stored thereon computer executable instructions which when executed by a processor implement a virtual resource transfer method according to an embodiment of the invention.
Embodiments of the present invention provide a computer readable storage medium having stored thereon computer executable instructions which, when executed by a processor, implement a virtual resource transfer method according to embodiments of the present invention.
Drawings
In order to more clearly illustrate the technical solution of the embodiments of the present invention, the drawings that are used in the description of the embodiments will be briefly described. The drawings described below are merely exemplary embodiments of the present invention.
Fig. 1 is a schematic diagram illustrating a cross-border money transfer application scenario of a virtual resource transfer system according to an embodiment of the present invention.
Fig. 2 is a schematic diagram illustrating a virtual resource transfer method according to an embodiment of the present invention.
Fig. 3 is a schematic flow diagram illustrating a multi-dimensional transfer channel splitting process of a resource transfer system according to an embodiment of the present invention.
Fig. 4 is a schematic flow chart diagram illustrating a process of determining a resource transfer scheme based on a resource exchange rate and a settlement cost according to an embodiment of the present invention.
Fig. 5A, 5B, and 5C are diagrams illustrating user operation interfaces corresponding to the virtual resource transfer method illustrated in fig. 2 according to an embodiment of the present invention.
Fig. 6 is a schematic diagram showing a multi-dimensional branching-channel branching system corresponding to the multi-dimensional branching-channel branching process shown in fig. 3.
Fig. 7 is a schematic diagram illustrating a virtual resource transfer apparatus according to an embodiment of the present invention.
Fig. 8 is a schematic diagram illustrating a virtual resource transfer apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, exemplary embodiments according to the present invention will be described in detail with reference to the accompanying drawings. It should be apparent that the described embodiments are only some embodiments of the present invention and not all embodiments of the present invention, and it should be understood that the present invention is not limited by the example embodiments described herein.
In the present specification and drawings, substantially the same or similar steps and elements are denoted by the same or similar reference numerals, and repeated descriptions of the steps and elements will be omitted. Meanwhile, in the description of the present invention, the terms "first", "second", and the like are used only to distinguish the description, and are not to be construed as indicating or implying relative importance or order.
For the convenience of description of the present invention, the following description will be made with respect to the concept of the present invention.
Cross-border money transfer: the method is characterized in that the method is carried out from one country or region to another country or region, accords with the national or regional financial supervision and quota rule, and is directed to personal or enterprise financial foreign exchange business; money transfer and collection support the same or different currencies.
Remittance party: the holder of the funds, including the individual or institution, is the initiator of the money transfer process.
The payee: the recipient of the funds, including the individual or institution, is the end of the money transfer process.
Transfer channel: an internal and external partnership or merchant providing cross-border money transfer services.
The transfer scheme is as follows: the manner of settlement of a transaction includes, but is not limited to: settlement currency, transfer channels, transaction time slots, etc.
Fig. 1 is a schematic diagram illustrating a cross-border money transfer application scenario 100 of a virtual resource transfer system according to an embodiment of the present invention.
In the application scenario 100, the transferor 101 desires to transfer money of a certain amount to a collection account of the transferee 102. Sender 101 and recipient 102 may be individuals or may be specific institutions.
In the embodiment shown in FIG. 1, the money transfer account of transferor 101 may support various categories of settlement currencies, such as merry, harbor, etc.; while the payee account of payee 102 may also support various categories of payee currencies, such as philippine bison, indonesia, etc. According to embodiments of the invention, the money transfer account of transferor 101 or the money collection account of transferee 102 may also support any other category of currency, including general currency, virtual currency, etc. issued in various country regions.
In the embodiment shown in fig. 1, the transferor 101 may transfer money to the recipient Fang Huikuan through a plurality of transfer channels (e.g., a first transfer channel, a second transfer channel, …, an nth transfer channel as shown in fig. 1). According to embodiments of the present invention, the transfer channels may include various banks, various payment merchants, and any other internal and external establishments or merchants capable of providing money transfer services.
In the embodiment shown in fig. 1, first, the remitter 101 and the payee 102 may agree in advance to the amount and the denomination of money to be collected. In another embodiment of the invention, the system may also recommend an optimal cash currency based on the payee's current location, e.g., the system may automatically recommend philippines as cash currencies if the system detects that payee 102 is currently within the philippines. Then, the virtual resource transfer system provided by the embodiment of the invention can automatically determine the optimal transfer channel and settlement currency suitable for money transfer in the background based on the information such as real-time exchange rate, settlement cost and the like between various currencies provided by each transfer channel, and the user does not feel in the whole determination process. Finally, the remittance of the transferor 101 to the transferee 102 may be completed based on the determined optimal transfer channel and the settlement currency.
Fig. 2 is a schematic diagram illustrating a virtual resource transfer method 200 according to an embodiment of the invention.
In embodiments of the present invention, the virtual resource transfer method 200 may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In step S201, information of an initial virtual resource to be transferred is acquired, which includes a resource category of the initial virtual resource.
In embodiments of the present invention, the initial virtual resource to be transferred may be various categories of monetary resources on the money transfer account of the transferor 101, which categories may include one or more of general and virtual currencies issued by various country regions, and the like. For example, in one embodiment, the resource class of the initial virtual resource may be U.S. gold, harbor coin, which may be expressed as: initial currency set a= { gold, harbor currency }. According to an embodiment of the present invention, the information of the initial virtual resource to be transferred may further include resource quantity information corresponding to various types of money resources on the money transfer account of the sender 101, for example, 10000 dollars, 5000 harbors, etc. on the money transfer account of the sender 101.
In this step 201, the information of the initial virtual resource may be acquired based on the real-time input of the user, may be acquired from a memory in which the information is stored in advance, or may be acquired from an associated bank or institution of the user account in real time through a network.
In step S202, information of the transferred target virtual resource is acquired, which includes the resource category of the target virtual resource.
According to embodiments of the invention, the transferred target virtual resource may be one or more of various categories of monetary resources supported by the payee account of payee 102. For example, in one embodiment, the payee account of payee 102 may support filipine and indonesia ruratio, which may be expressed as: target currency set b= { philippine besom, indonesian sirupi }. One or more resource categories may be determined from the target currency set B as resource categories for the transferred target virtual resource. The resource type of the target virtual resource may be predetermined by the sender 101 and the receiver 102, or may be selected by the sender 101 according to the current location of the receiver. For example, when payee 102 is currently within the philippines, the philippines may be determined to be the resource category of the target virtual resource. In one embodiment, the information of the transferred target virtual resource may further include resource quantity information corresponding to the transferred target virtual resource, for example, that the transferor 101 desires to transfer 20000 philippines to the transferee 102. The information of the target virtual resource may be obtained based on real-time input of the user, or may be obtained from a system-accessible memory in which such information is stored in advance.
In step S203, information of the transfer channel of the virtual resource is acquired periodically or triggerably in real time through the network.
According to embodiments of the invention, the transfer channels may include one or more of various banks, various payment merchants, and any other internal and external establishments or merchants capable of providing money transfer services. For example, the transfer channels may include a transfer channel C1 and a transfer channel C2. Taking the transfer channel C1 as an example, in one embodiment, the information of the transfer channel C1 may include at least one of the following information of the transfer channel C1: availability status information of the transfer channel C1, information whether the transfer channel C1 accepts a resource transfer request of a current user, maximum transfer number information currently supported by the transfer channel C1, resource exchange rate information of the transfer channel C1, settlement cost information of the transfer channel C1, and the like.
In one embodiment, the availability status information of the transfer channel C1 may include information indicating whether the transfer channel C1 is currently available. In one embodiment, the information of whether the transfer channel C1 accepts the resource transfer request of the current user may include information indicating whether the transfer channel C1 will accept the current resource transfer request. For example, the information may include a list of risk users of the transfer channel C1. For example, when the sender 101 or recipient 102 is present in the list of risk users of the transfer channel C1, then it may be indicated that the transfer channel C1 will not accept the resource transfer request. In one embodiment, the maximum transfer amount information currently supported by the transfer channel C1 may include information indicating the maximum amount of transactions currently loadable by the transfer channel C1.
In one embodiment, the resource exchange rate information of the transfer channel C1 may include the resource exchange rate of each category of virtual resources in the first set of resources provided by the transfer channel C1 to each category of virtual resources in the second set of resources. For example, according to an embodiment of the present invention, the first set of resources may be the initial currency set a= { mergold, harbor currency }, as described above, and the second set of resources may be the target currency set b= { philippine bison, indonesian sirolimus }, as described above. In one embodiment, the currencies included in the initial currency set a and the target currency set may be pre-agreed upon by the transferor and transferee, and may be updated periodically or triggered. In this embodiment, the resource exchange rate information of the transfer channel C1 may include the following four real-time exchange rates provided by the transfer channel C1: the American gold pair Philippines, the American gold pair Indonesia and the harbor coin pair Philippines and the harbor coin pair Indonesia and the Rubi. It will be appreciated by those skilled in the art that the real-time exchange rates between the same currency provided by different transfer channels may be the same or different.
In one embodiment, the settlement cost information for the transfer channel C1 may include a settlement cost for each category of virtual resources in the first set of resources provided by the transfer channel C1 to each category of virtual resources in the second set of resources. According to embodiments of the present invention, the settlement cost information may include a per-transfer cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources and/or a fixed cost associated with each resource transfer. For example, also taking the first resource set as the initial currency set a= { gold, harbor coin } and the second resource set as the target currency set b= { philippine, indonesian sirolimus } as an example, the settlement cost information of the transfer channel C1 may include a unit transfer cost of gold to philippine (e.g., a transfer cost of 0.02 gold per 1 gold transfer) and/or a fixed cost (e.g., a fixed cost of 2 gold per transfer), a unit transfer cost of gold to indonesian sirolimus and/or a fixed cost, a unit transfer cost of harbor coin to philippine and a unit transfer cost of money to indonesian sirolimus and/or a fixed cost of money. In one embodiment, taking the transfer of mergold to philippines as an example, the settlement cost can be calculated using the following formula: settlement cost = amount of merlons to be transferred per unit transfer cost + fixed cost. Likewise, the settlement cost information between the same currencies provided by different transfer channels may be the same or different.
According to the embodiment of the present invention, the information of each transfer channel described above may also be acquired and updated periodically or in a triggered manner based on user input or the like in real time.
In step S204, a virtual resource transfer scheme is determined based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel.
And in step S205, virtual resource transfer is performed in accordance with the determined virtual resource transfer scheme.
According to embodiments of the present invention, a virtual resource transfer scheme may be determined in at least one dimension. In an embodiment of the invention, the at least one dimension may comprise at least one of: the availability status dimension of the transfer channel, the dimension of whether the transfer channel accepts the resource transfer request of the current user, the dimension of the maximum transfer quantity currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel.
Specifically, in an embodiment of the present invention, determining the virtual resource transfer scheme may include: for each transfer channel, excluding the resource transfer scheme associated with that transfer channel from the virtual resource transfer scheme if at least one of the following is satisfied: the information of the transfer channel indicates that the transfer channel is currently unavailable; the information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user currently requesting the resource transfer; or the information of the transfer channel indicates that the maximum transfer number currently supported by the transfer channel is smaller than the transfer number of the current virtual resource transfer, etc. For example, if the information on the transfer channel C2 acquired in step S203 indicates that the maximum number of transfers currently loadable by the transfer channel C2 is smaller than the number of virtual resources currently desired to be transferred, the resource transfer scheme related to the transfer channel C2 may be excluded, i.e., the transfer channel C2 is excluded from the available transfer channel set. According to embodiments of the invention, the virtual resource transfer scheme may also be determined based on any other predetermined criteria or according to any other dimension. For example, it may be determined whether to exclude a resource transfer scheme associated with a transfer channel based on whether the average time required for the transfer channel to complete each resource transfer is less than a predetermined threshold.
In the embodiment of the invention, the determinations of various dimensions may be prioritized according to a certain dimensional priority, for example, the dimensional priority of the availability status dimension of the transfer channel may be higher than the dimensional priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user; whether the transfer channel accepts the dimension priority of the resource transfer request of the current user or not may be higher than the dimension priority of the maximum transfer number dimension currently supported by the transfer channel; the dimension priority of the maximum transfer number dimension currently supported by the transfer channel may be higher than the dimension priority of the resource exchange rate dimension of the transfer channel; the dimension priority of the resource exchange rate dimension of the transfer channel may be equal to the dimension priority of the settlement cost dimension of the transfer channel. The following is a detailed description of the embodiment of fig. 3.
Fig. 3 is a schematic flow diagram illustrating a multi-dimensional transfer channel splitting process 300 of a resource transfer system in accordance with an embodiment of the invention.
In embodiments of the present invention, the multi-dimensional transfer channel splitting process 300 may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In the embodiment shown in fig. 3, first, in block S301, a resource transfer may be initiated based on user input. In block S302, the system may read information of the respective transfer channels. The information of the transfer channel may be acquired or updated periodically or triggered based on user input in block S308. Next, the available transfer channels may be filtered sequentially in order of dimensional priority. For example, in the order of dimensional priority: in the case of the availability status dimension of the transfer channel, the dimension of whether the transfer channel accepts the resource transfer request of the current user, the maximum transfer number dimension currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel, and the settlement cost dimension of the transfer channel, the current availability status of each transfer channel may be first determined in block S303. If it is detected that the current availability status of a certain transfer channel is unavailable, that transfer channel may be excluded from the set of available transfer channels. Then, based on the dimensional priority order, it may be determined at block S304 whether the transfer channel accepts the resource transfer request of the current user. For example, when a sender or recipient is detected to be present in a list of risk users for a transfer channel, then the transfer channel may be excluded from the set of available transfer channels. Next, the determination of the maximum transfer number dimension currently supported by the transfer channel may be continued in block S305. For example, a transfer channel may be excluded from the set of available transfer channels if the maximum number of transfers that the transfer channel can currently carry is less than the number of virtual resources that are currently expected to transfer. In one embodiment, the system may reject the resource transfer if all transfer channels are not available after the above-described screening and filtering.
After the available transfer channels are initially screened and filtered in blocks S303, S304, and S305, a determination of a virtual resource transfer scheme based on the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel may next be further performed in blocks S306 and S307, as further described below in connection with fig. 4.
Fig. 4 is a schematic flow chart diagram illustrating a process 400 for determining a resource transfer scheme based on resource exchange rates and settlement costs according to an embodiment of the invention.
In an embodiment of the present invention, the process 400 of determining a resource transfer scheme based on a resource exchange rate and a settlement cost may be performed by a processor and a software program running on the processor, or may be performed by a dedicated hardware device.
In the embodiment shown in fig. 4, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel may be considered together as the same priority. According to an embodiment of the present invention, the initial virtual resource may include a plurality of categories of virtual resources, and information of transfer channels of the virtual resources may be acquired in real time periodically or triggerably through the network. According to an embodiment of the present invention, determining a virtual resource transfer scheme may include: for each available transfer channel, determining a resource transfer cost corresponding to the initial virtual resource of each category; and determining a resource transfer scheme based on the determined resource transfer costs corresponding to the initial virtual resources of each category.
Specifically, fig. 4 shows an example of two transfer channels (transfer channel C1 and transfer channel C2), and in other embodiments of the present invention, any plurality of transfer channels may be included. According to an embodiment of the present invention, an initial resource cost corresponding to each category of initial virtual resources may be determined based on a resource exchange rate of each category of initial virtual resources for a target virtual resource and a target number of virtual resources. For example, if the resource class a is mergold, the target virtual resource class is philippine and the number is 20000 bisopros, and the current exchange rate of mergold to philippine bisopros provided by the transfer channel C1 is 1:50, in the transfer channel C1, the initial resource cost corresponding to mergold may be calculated as: 20000/50=400 merits.
According to an embodiment of the present invention, the resource transfer cost corresponding to the initial virtual resource of each category may also be determined based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category. In the embodiment of the present invention, the settlement cost may be directly obtained periodically or triggerably in the block S308, or may be further calculated based on the unit transfer cost or the fixed cost information related to the corresponding category of resources obtained in the block S308. For example, also taking the above embodiment of desiring to transfer 20000 philippines as an example, if the transfer channel C1 provides a transfer cost per philippine of 0.02 dollars per transfer of 1 dollar, and a fixed cost of 2 dollars per transfer is required, in the transfer channel C1, the settlement cost corresponding to the dollar can be calculated as: 400 x 0.02+2=10 merino. In one embodiment, the sum of the initial resource cost and the settlement cost may be taken as the resource transfer cost corresponding to the category of initial virtual resources. For example, in the above embodiment, the resource transfer cost corresponding to the merger provided by the transfer channel C1 is: 400+10=410 merits. It should be understood that the present embodiment is intended to be illustrative and not limiting, and that in other embodiments of the present invention, other types of costs associated with resource transfers may be included, and settlement costs may also be calculated by any other calculation formula or rule.
According to an embodiment of the present invention, a resource transfer scheme may also be determined based on a minimum value of the determined resource transfer costs corresponding to the initial virtual resources of each category.
Specifically, first, the standardized resource transfer costs corresponding to the initial virtual resources of each class may be determined based on the predetermined resource exchange rate of the initial virtual resources of each class for the predefined standard virtual resources and the resource transfer costs corresponding to the initial virtual resources of each class. For example, in the above embodiment, the resource class a is the merry, the resource class b is the harbor coin, the system background may determine the coin type Y as the standard virtual resource in advance, then the resource transfer cost corresponding to the merry and the resource transfer cost corresponding to the harbor coin may be converted into the standardized resource transfer cost in the same coin type Y based on the predetermined exchange rate of the merry to the coin type Y and the predetermined exchange rate of the harbor coin to the coin type Y provided by the system background, respectively, and then the size of the standardized resource transfer cost corresponding to the initial virtual resource of each class may be compared in the block S401 or the block S402, and the resource class having the smallest standardized resource transfer cost (i.e., the smallest resource transfer cost) in the corresponding transfer channel (transfer channel C1 or the transfer channel C2) may be determined. It should be appreciated that the predetermined exchange rate between the currencies provided in the background of the system may be the same as or different from the actual real-time exchange rate between the currencies. In one embodiment, the predetermined exchange rate is determined based on factors such as the actual real-time exchange rate of the respective currency and the processing costs required by the system to handle the transfer of the respective currency.
After deriving the resource category with the smallest cost under the specific transfer channel, the resource transfer costs of the same or different resource categories under different transfer channels may be further compared in block S403, for example, the smallest standardized resource transfer cost under each transfer channel may be further compared, and finally, the transfer scheme of the resource transfer may be determined in block S307, for example, the transfer channel and the resource category corresponding to the smallest standardized resource transfer cost obtained by comparison in S403 may be determined as the transfer channel of the resource transfer and the initial virtual resource category for settlement, respectively.
Fig. 5A, 5B, and 5C are diagrams illustrating user operation interfaces corresponding to the virtual resource transfer method 200 illustrated in fig. 2 according to an embodiment of the present invention.
In a cross-border money transfer scenario, according to an embodiment of the present invention, a first step, shown in FIG. 5A, is for a user to enter an application interface of a resource transfer system according to an embodiment of the present invention, selecting a money transfer country or region (i.e., determining a target resource category). Second, as shown in FIG. 5B, the user may enter the money transfer amount and click "next" to perform the money transfer operation. Third, the user completes the money transfer operation. As shown in fig. 5C, after the user completes the money transfer operation, the system may automatically pop up various information related to the money transfer at the time of the money transfer, such as the withdrawal code, the payee information, the relationship between both parties, and the transfer amount. The virtual resource transfer system provided by the embodiment of the invention can automatically determine the optimal transfer channel and settlement currency suitable for money transfer in the background based on the information such as real-time exchange rate, settlement cost and the like between various currencies provided by each transfer channel, and the user does not feel in the whole determination process.
Fig. 6 is a schematic diagram illustrating a multi-dimensional branching channel branching system 600 corresponding to the multi-dimensional branching channel branching process 300 shown in fig. 3.
As shown in fig. 6, a multi-dimensional transfer channel splitting system 600 according to an embodiment of the present invention may include: a transfer channel information reception monitoring unit 601, a transfer channel branching unit 602, and a transfer channel information storage unit 603.
In the multi-dimensional transfer channel distribution system 600, the transfer channel information reception monitoring unit 601 may be configured to acquire and periodically or triggerably update information related to each transfer channel. The transfer channel branching unit 602 may be configured to determine the virtual resource transfer scheme according to the flow shown in fig. 3 and 4 based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel. The transfer channel information storage unit 603 may be used to store the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme may be extracted for virtual resource transfer.
Fig. 7 is a schematic diagram illustrating a virtual resource transfer apparatus 700 according to an embodiment of the present invention.
As shown in fig. 7, a virtual resource transferring apparatus 700 according to an embodiment of the present invention may include: an information reception monitoring module 701, a transfer channel distribution module 702, and an information storage module 703.
The information receiving monitoring module 701 may be configured to obtain information of an initial virtual resource to be transferred, where the information includes a resource class of the initial virtual resource; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; and obtaining information of a transfer channel of the virtual resource. In one embodiment, the information reception monitoring module 701 may include a transfer channel information reception monitoring unit 601 as shown in fig. 6 and a user information reception monitoring unit (not shown) for acquiring information of an initial virtual resource and information of a target virtual resource.
The transfer channel splitting module 702 may be configured to determine the virtual resource transfer scheme according to the flow shown in fig. 3 and 4 based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel.
The information storage module 703 may be used to store the determined virtual resource transfer scheme, wherein the determined virtual resource transfer scheme may be extracted for virtual resource transfer. In one embodiment, the information storage module 703 may include a transfer channel information storage unit 603 as shown in fig. 6 and a storage unit (not shown) for storing other data or information.
Fig. 8 is a schematic diagram illustrating a virtual resource transfer device 800 according to an embodiment of the present invention.
As shown in fig. 8, a virtual resource transfer device 800 according to an embodiment of the present invention may include: a receiving unit 801, a processor 802 and a memory 803. Which may be interconnected by a bus 804.
The receiving unit 801 may be any information receiving unit capable of receiving various forms of information. The method can be used for acquiring information of the initial virtual resources to be transferred, and comprises resource categories of the initial virtual resources; obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; and obtaining information of a transfer channel of the virtual resource.
The processor 802 may perform various actions and processes in accordance with programs or code stored in the memory 803. In particular, the processor 802 may be an integrated circuit chip having signal processing capabilities. The processor may be a general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components. Various methods, steps, procedures, and logic blocks disclosed in embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like, and may be an X86 architecture or an ARM architecture or the like.
The memory 803 stores executable instruction code that, when executed by the processor 802, is used to implement a resource transfer method according to an embodiment of the present invention. The memory 803 may be volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The non-volatile memory may be read-only memory (ROM), programmable read-only memory (PROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), or flash memory. Volatile memory can be Random Access Memory (RAM), which acts as external cache memory. By way of example, and not limitation, many forms of RAM are available, such as Static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), synchronous Dynamic Random Access Memory (SDRAM), double data rate synchronous dynamic random access memory (ddr SDRAM), enhanced Synchronous Dynamic Random Access Memory (ESDRAM), synchronous Link Dynamic Random Access Memory (SLDRAM), and direct memory bus random access memory (DR RAM). It should be noted that the memory of the methods described herein is intended to comprise, without being limited to, these and any other suitable types of memory.
The present invention also provides a computer-readable storage medium having stored thereon computer-executable instructions that, when executed by a processor, implement a virtual resource transfer method and a multi-dimensional transfer channel splitting process according to embodiments of the present invention. Similarly, the computer readable storage medium in embodiments of the present invention may be volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. It should be noted that the memory of the methods described herein is intended to comprise, without being limited to, these and any other suitable types of memory.
The embodiment of the invention provides a virtual resource transfer method, a device and equipment, which are used for automatically distributing transfer channels according to the current exchange rate and transfer cost when money transfer occurs on the premise that the transfer destination amount is kept unchanged, directly determining the settlement currency of the money transfer, and ensuring that the cost is saved to the greatest extent, namely obtaining the maximum business income. In addition, the distribution process of the transfer channel and the distribution process of the settlement currency are not perceived at the user side, namely, the maximum business income is obtained on the premise of ensuring the same good perception of the user.
It is noted that the flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises at least one executable instruction for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In general, the various example embodiments of the invention may be implemented in hardware or special purpose circuits, software, firmware, logic or any combination thereof. Some aspects may be implemented in hardware, while other aspects may be implemented in firmware or software which may be executed by a controller, microprocessor or other computing device. While aspects of the embodiments of the invention are illustrated or described as block diagrams, flow charts, or using some other pictorial representation, it is well understood that blocks, apparatus, systems, techniques or methods described herein may be implemented in, as non-limiting examples, hardware, software, firmware, special purpose circuits or logic, general purpose hardware or controller or other computing devices, or some combination thereof.
The exemplary embodiments of the invention described in detail above are illustrative only and are not limiting. It will be appreciated by those skilled in the art that various modifications and combinations of the embodiments or features thereof can be made without departing from the principles and spirit of the invention, and such modifications are intended to be within the scope of the invention.
Claims (11)
1. A virtual resource transfer method, comprising:
acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource;
obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource;
obtaining information of a transfer channel of a virtual resource;
determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel; and
Performing virtual resource transfer according to the determined virtual resource transfer scheme,
The initial virtual resource comprises a plurality of categories of virtual resources, wherein information of transfer channels of the virtual resources is acquired in real time through a network, and the determining of the virtual resource transfer scheme comprises the following steps:
for each available transfer channel, determining an initial resource cost corresponding to the initial virtual resources of each category based on the resource exchange rate of the initial virtual resources of the each category for the target virtual resources and the number of target virtual resources;
Determining a resource transfer cost corresponding to the initial virtual resource of each category based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category; and
Determining a resource transfer scheme based on a minimum value of the determined resource transfer costs corresponding to the initial virtual resources of each category,
Wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category comprises:
An optimal transfer channel for transfer and an optimal initial virtual resource category for settlement are automatically determined based on the determined minimum value in the resource transfer costs corresponding to the initial virtual resources of each category.
2. The virtual resource transfer method of claim 1, wherein the transfer channel information includes at least one of:
Availability status information of the transfer channel, information of whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel;
wherein the resource exchange rate information includes: resource exchange rates of virtual resources of each category in the first set of resources to virtual resources of each category in the second set of resources;
wherein the settlement cost information includes: settlement costs for each class of virtual resources in the first set of resources to each class of virtual resources in the second set of resources.
3. The virtual resource transfer method as claimed in claim 1, wherein the determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel comprises:
a virtual resource transfer scheme is determined in accordance with at least one dimension,
Wherein the at least one dimension comprises at least one of:
the availability status dimension of the transfer channel, the dimension of whether the transfer channel accepts the resource transfer request of the current user, the dimension of the maximum transfer quantity currently supported by the transfer channel, the resource exchange rate dimension of the transfer channel and the settlement cost dimension of the transfer channel;
Wherein,
The dimension priority of the availability dimension of the transfer channel is higher than the dimension priority of the dimension of whether the transfer channel accepts the resource transfer request of the current user;
Whether the transfer channel accepts the dimension priority of the resource transfer request of the current user is higher than the dimension priority of the dimension of the maximum transfer number currently supported by the transfer channel;
The dimension priority of the dimension of the maximum transfer number currently supported by the transfer channel is higher than the dimension priority of the dimension of the resource exchange rate of the transfer channel;
The resource exchange rate dimension of the transfer channel has a dimension priority equal to the dimension priority of the settlement cost dimension of the transfer channel.
4. The virtual resource transfer method of claim 1 wherein determining the virtual resource transfer scheme comprises:
for each transfer channel, excluding the resource transfer scheme associated with that transfer channel from the virtual resource transfer scheme if at least one of the following is satisfied:
The information of the transfer channel indicates that the transfer channel is currently unavailable;
The information of the transfer channel indicates that the transfer channel refuses to accept the resource transfer of the user currently requesting the resource transfer;
The information of the transfer channel indicates that the maximum number of transfers currently supported by the transfer channel is less than the number of transfers currently being transferred by the virtual resource.
5. The virtual resource transfer method of claim 1 wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category comprises:
determining standardized resource transfer costs corresponding to the initial virtual resources of each category based on the predetermined resource exchange rate of the initial virtual resources of each category for the predefined standard virtual resources and the resource transfer costs corresponding to the initial virtual resources of each category; and
A resource transfer scheme is determined based on a minimum of the determined normalized resource transfer costs corresponding to the initial virtual resources of each category.
6. The virtual resource transfer method of claim 2, wherein the settlement cost information includes a unit transfer cost of each category of virtual resources in the first set of resources to each category of virtual resources in the second set of resources or a fixed cost associated with each resource transfer.
7. A virtual resource transfer apparatus comprising:
An information reception monitoring module configured to:
acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource;
Obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; and
Obtaining information of a transfer channel of a virtual resource;
a transfer channel splitting module configured to:
determining a virtual resource transfer scheme based on at least one of information of an initial virtual resource to be transferred, information of a target virtual resource, and information of a transfer channel; and
An information storage module configured to:
The determined virtual resource transfer scheme is stored,
Wherein the determined virtual resource transfer scheme is used for performing virtual resource transfer,
Wherein the initial virtual resource comprises a plurality of categories of virtual resources, wherein information of a transfer channel of the virtual resources is acquired in real time through a network, wherein the transfer channel splitting module is further configured to:
for each available transfer channel, determining an initial resource cost corresponding to the initial virtual resources of each category based on the resource exchange rate of the initial virtual resources of the each category for the target virtual resources and the number of target virtual resources;
Determining a resource transfer cost corresponding to the initial virtual resource of each category based on the settlement cost of the initial virtual resource of each category to the target virtual resource and the determined initial resource cost corresponding to the initial virtual resource of each category; and
Determining a resource transfer scheme based on a minimum value of the determined resource transfer costs corresponding to the initial virtual resources of each category,
Wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category comprises:
An optimal transfer channel for transfer and an optimal initial virtual resource category for settlement are automatically determined based on the determined minimum value in the resource transfer costs corresponding to the initial virtual resources of each category.
8. The virtual resource transfer apparatus as claimed in claim 7, wherein the information of the transfer channel includes at least one of:
Availability status information of the transfer channel, information of whether the transfer channel accepts a resource transfer request of a current user, maximum transfer quantity information currently supported by the transfer channel, resource exchange rate information of the transfer channel and settlement cost information of the transfer channel;
wherein the resource exchange rate information includes: resource exchange rates of virtual resources of each category in the first set of resources to virtual resources of each category in the second set of resources;
wherein the settlement cost information includes: settlement costs for each class of virtual resources in the first set of resources to each class of virtual resources in the second set of resources.
9. The virtual resource transfer apparatus as in claim 7 wherein determining a resource transfer scheme based on the determined minimum of the resource transfer costs corresponding to the initial virtual resources of each category comprises:
determining standardized resource transfer costs corresponding to the initial virtual resources of each category based on the predetermined resource exchange rate of the initial virtual resources of each category for the predefined standard virtual resources and the resource transfer costs corresponding to the initial virtual resources of each category; and
A resource transfer scheme is determined based on a minimum of the determined normalized resource transfer costs corresponding to the initial virtual resources of each category.
10. A virtual resource transfer device, comprising:
A receiving unit configured to:
acquiring information of an initial virtual resource to be transferred, wherein the information comprises a resource category of the initial virtual resource;
Obtaining information of the transferred target virtual resource, wherein the information comprises the resource category of the target virtual resource; and
Obtaining information of a transfer channel of a virtual resource;
A processor;
a memory having stored thereon computer executable instructions which, when executed by a processor, implement the method of any of claims 1-6.
11. A computer readable storage medium having stored thereon computer executable instructions which when executed by a processor implement the method of any of claims 1-6.
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| CN111638954A (en) * | 2020-05-22 | 2020-09-08 | 支付宝实验室(新加坡)有限公司 | Virtual resource allocation method and device and electronic equipment |
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