WO2019196254A1 - 电子资源包的处理方法、装置、终端设备及介质 - Google Patents

电子资源包的处理方法、装置、终端设备及介质 Download PDF

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Publication number
WO2019196254A1
WO2019196254A1 PCT/CN2018/097454 CN2018097454W WO2019196254A1 WO 2019196254 A1 WO2019196254 A1 WO 2019196254A1 CN 2018097454 W CN2018097454 W CN 2018097454W WO 2019196254 A1 WO2019196254 A1 WO 2019196254A1
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Prior art keywords
resource
financial product
electronic
receiver
electronic resource
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PCT/CN2018/097454
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English (en)
French (fr)
Inventor
兰楠
郑明钟
易加仁
周鹏华
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平安科技（深圳）有限公司
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Publication of WO2019196254A1 publication Critical patent/WO2019196254A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present application belongs to the field of Internet technologies, and in particular, to a method, an apparatus, a terminal device, and a medium for processing an electronic resource package.
  • the user can set the preset amount information as the inclusion of the electronic red envelope.
  • the amount of the electronic wallet equivalent to the inclusion can be obtained.
  • the electronic red envelopes in the prior art are only used to carry the amount information of the money, the inclusion thereof is relatively simple, and the entertainment of the electronic red envelope cannot be further improved, and it is difficult to meet the individual needs of the user.
  • investors can only use the pre-import after registering the registered financial transaction platform account and binding their own electronic wallet. Financial products are purchased in the currency of the electronic wallet. Therefore, the purchase method of the existing wealth management products has a problem of high operational complexity, thereby reducing the transaction efficiency of the financial products.
  • the embodiments of the present application provide a method, an apparatus, a terminal device, and a medium for processing an electronic resource package, so as to solve the problem that the existing wealth management product purchase method has high operation complexity and low transaction efficiency.
  • a first aspect of the embodiments of the present application provides a method for processing an electronic resource package, including:
  • a second aspect of the embodiments of the present application provides an apparatus for processing an electronic resource package, including:
  • a first acquiring unit configured to acquire a quantity of resources authorized by a resource sender
  • a purchasing unit configured to match the financial product associated with the resource sender in a pre-docking online trading platform, and purchase the financial product equivalent to the quantity of the resource;
  • a second obtaining unit configured to acquire product purchase information related to the financial product, and write the product purchase information into an electronic resource package
  • a sending unit configured to send the electronic resource package to a resource receiver
  • a reading unit configured to read user information of the resource receiver when detecting an extraction operation of the electronic resource package by the resource receiver
  • a change unit configured to change, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and display the product purchase information in the online transaction platform The terminal interface of the resource receiver.
  • a third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer
  • the steps of the method of processing the electronic resource bundle as described in the first aspect are implemented when the instruction is read.
  • a fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions, the computer readable instructions being executed by a processor to implement the first aspect as described in the first aspect The steps of the method of processing the electronic resource bundle.
  • the resource sender by acquiring the quantity of resources authorized by the resource sender, automatically purchasing a financial product equivalent to the quantity of the resource, and writing the product purchase information related to the financial product into the electronic resource package, so that the resource receiver After receiving the electronic resource package distributed by others, the financial product given by the resource sender can be obtained, instead of simply receiving the money and currency information of the resource sender, thus realizing the inclusion of the electronic resource package
  • the value of the money currency is changed to the financial product in the actual sense, so the problem of the single inclusion of the electronic resource package in the prior art is solved.
  • the method provided by the embodiment of the present application can meet the actual consumption demand of the user and achieve the effect of intelligent financial management; for the user, the user can obtain a certain amount without logging in to the transaction platform.
  • Financial products that share rights thus reducing operational complexity, thereby increasing the transaction efficiency of financial products.
  • FIG. 1 is a flowchart of an implementation of a method for processing an electronic resource package according to an embodiment of the present application
  • FIG. 2 is a specific implementation flowchart of a method for processing an electronic resource package S105 according to an embodiment of the present application
  • FIG. 3 is a specific implementation flowchart of a method for processing an electronic resource package S102 according to an embodiment of the present application
  • FIG. 4 is a flowchart of another specific implementation of the method for processing an electronic resource package S102 according to an embodiment of the present application
  • FIG. 5 is a structural block diagram of an apparatus for processing an electronic resource package according to an embodiment of the present application.
  • FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • FIG. 1 shows an implementation flow of a method for processing an electronic resource package provided by an embodiment of the present application, where the method process includes steps S101 to S106.
  • the specific implementation principles of each step are as follows:
  • the resource sender sends an electronic resource packet sending instruction to the terminal device, so that the terminal device displays the resource quantity setting page.
  • the resource quantity setting page receives the number of resources input by the resource sender
  • the bank card and the authorization password bound by the resource sender are authenticated.
  • the current number of resources received is determined as the number of resources authorized by the resource sender.
  • the quantity of resources represents the value of the red envelope amount paid by the resource sender.
  • the resource sender is prompted to reset the resource quantity.
  • S102 Match, in the pre-docking online trading platform, the financial product associated with the resource sender, and purchase the financial product equivalent to the quantity of the resource.
  • the docking interface provided in advance is connected to the online trading platform.
  • the above online trading platform is an internet financial product trading platform, which is used to provide trading services for precious metal wealth management products such as currency funds, stock funds, hybrid funds, gold and silver, and other financial wealth management products.
  • the purchase request for one or more types of financial products is automatically initiated, and the share value of the purchased various financial products is equivalent to The number of resources authorized by the above resource sender.
  • the automatically purchased financial product is specifically: detecting characteristic attributes of various financial products sold by the online trading platform, thereby automatically identifying a class having a greater correlation with the user image data of the resource sender or After a multi-category financial product, a purchase request for these financial products is issued.
  • the amount of resources authorized by the resource sender is transferred to the platform account of the online trading platform to complete the purchase operation of the financial product.
  • S103 Obtain product purchase information related to the financial product, and write the product purchase information into an electronic resource package.
  • the product purchase information returned by the online trading platform is obtained.
  • the above product purchase information includes but is not limited to financial product name, type, share value, and purchase date.
  • an electronic resource package is generated, and the product purchase information returned by the online transaction platform is written into the electronic resource package as a bearer of the electronic resource package.
  • S104 Send the electronic resource package to a resource receiver.
  • the resource receiver selected by the resource sender is detected.
  • the electronic resource package carrying the product purchase information described above is sent to the resource receiver.
  • the resource receiver may be a single user object or a group object.
  • the electronic resource package After the electronic resource package is sent to the resource receiver, the electronic resource package will be displayed in the terminal device of the resource receiver in the form of a preset identification pattern. If it is detected that the resource receiver issues a selection instruction to the preset identification pattern, it is determined that the extraction operation of the electronic resource package is triggered. At this time, the terminal device of the resource receiver reads the preset user information corresponding to the current terminal login account, or pops up a prompt window to prompt the resource receiver to input its own user information.
  • the user information includes a user name, an identity code, and a wealth management account information.
  • the user information uploaded by the resource receiver terminal device is received.
  • FIG. 2 shows another specific implementation flow of the processing method S105 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:
  • S1051 When detecting, by the resource receiver, an extraction operation of the electronic resource package, displaying a first option control and a second option control; the first option control is configured to trigger an electronic resource resource withdrawal event, where The two option control is used to trigger the collection event of the electronic resource bundle bearer.
  • the user information of the resource recipient when detecting that the resource receiver sends a selection instruction to the preset identification pattern for indicating the electronic resource package, the user information of the resource recipient is not directly acquired, but at least two are generated on the terminal interface thereof.
  • Option controls including the first option control and the second option control.
  • the prompt information related to the cash withdrawal event is identified on the first option control
  • the prompt information related to the receiving event of the electronic resource bundle bearer is identified on the second option control.
  • the identifier "cash" is displayed on the first option control
  • the identifier "gifts received” is displayed on the second option control.
  • S1052 When detecting a touch operation on the first option control, selling the financial product on the online trading platform, and depositing the obtained sales amount into a preset account of the resource recipient.
  • the value of the market sales amount of the financial product purchased at the current time authorized by the resource sender in the pre-docked online trading platform The financial product is subjected to a sell-off process to convert the pre-purchased financial product of the above-mentioned share into an equivalent electronic money, and then deposit it into the default account of the resource-receiving platform.
  • the selling condition carried by the condition setting instruction is read.
  • the selling conditions include, but are not limited to, the preset selling time and the sales value. If the selling condition includes the preset selling time, the financial product is sold and the selling amount is deposited into the default account when the preset selling time arrives; if the selling condition includes the selling value, every preset The time interval calculates the estimated total sales of financial products based on the market sales order value of the financial product at the current moment. The financial product is sold and the sales amount is deposited into the default account only when the estimated total sales amount is greater than or equal to the sales value.
  • the withdrawal completion prompt information is returned to the resource recipient.
  • the user information of the resource receiver is read. To perform subsequent gift share transfer operations.
  • the party can further determine the resource extracts that it needs, improve the flexibility of selection of electronic resource packages, and avoid the need for resource recipients to log in to the online trading platform to perform the sale of financial products when receiving product purchase information of financial products. Therefore, the cumbersomeness of the electronic resource package cash withdrawal operation is reduced.
  • S106 According to the user information, in the online transaction platform, changing a share authority of the financial product from the resource sender to the resource receiver, and displaying the product purchase information on the resource The terminal interface of the receiver.
  • the share authority change request is sent to the online transaction platform, and the user information of the resource receiver is uploaded to the online transaction platform.
  • the online trading platform according to the received user information and the product purchase information of the resource sender obtained in advance, the share right of the purchased financial product is changed from the resource sender to the resource receiver, and the product purchase information is updated together After the updated product purchase information is sent to the terminal device of the resource receiver, the terminal device of the resource receiver displays the product purchase information.
  • the embodiment of the present application implements the problem that the inclusion of the electronic resource package is changed from the money currency to the financial product in the actual sense, thereby solving the problem that the electronic resource package inclusion in the prior art is single.
  • the method provided by the embodiment of the present application can meet the actual consumption demand of the user and achieve the effect of intelligent financial management; for the user, the user can obtain a certain amount without logging in to the transaction platform. Financial products that share rights, thus reducing operational complexity, thereby increasing the transaction efficiency of financial products.
  • FIG. 3 shows a specific implementation process of the processing method S102 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:
  • the requesting resource sender After receiving the number of resources authorized by the resource sender, the requesting resource sender uploads its user portrait data.
  • the user portrait data includes, but is not limited to, the annual income status of the resource sender and the investment field information, and the historical purchase record of the resource sender in the online trading platform is taken as one of the user portrait data.
  • the above investment field information is the investment field of financial products that resource senders have recently paid more attention to, such as stocks, funds, precious metals, and national debt.
  • S1022 Perform analysis processing on the user portrait data, and determine, according to a result of the analysis processing, a first financial product that matches the user portrait data from a plurality of the financial products provided by the online trading platform.
  • the analysis processing of the user portrait data is performed to determine an annual income preset interval to which the resource sender's annual income value belongs and a type of the financial product that determines the most purchases in the historical purchase record.
  • the target investment product of the resource sender can be predicted, that is, the product of the financial product authorized by the resource sender to be purchased in the online trading platform is determined.
  • the predetermined annual income pre-set interval, the type of financial products with the most purchases in the historical purchase record, and the investment field information are imported into a preset Long Short-Term Memory (LSTM) model.
  • LSTM Long Short-Term Memory
  • the adjustment model of the learning parameters of the above LSTM neural network model is as follows:
  • the input I n represents a parameter LSTM training the neural network model, for example, I 1 A user purchase history record types to buy the highest number of financial products; I 2 user A is the area of investment information; I 3 Pre-set the interval for user A's annual income; the above user A is the user who knows the target investment product information.
  • the above S is the predicted product of the financial product, ⁇ is the learning parameter, p(S
  • the ⁇ * value of the LSTM neural network model is determined to obtain the LSTM neural network model after training.
  • the user image data corresponding to the resource senders in the above I 1 , I 2 , I 2 , . . . , I n is respectively imported into the LSTM neural network model, so that the LSTM neural network model outputs the corresponding S value, that is, The variety of financial products authorized by the resource sender to be purchased in the online trading platform.
  • S1023 Purchase the first financial product, and make the purchase amount of the first financial product equivalent to the quantity of the resource.
  • a purchase request for the financial product of the above-mentioned variety is initiated, and the share value of the purchased financial product is acquired.
  • the price is the amount of resources authorized by the above resource sender.
  • the user image data of the resource sender is obtained to predict the financial product to be purchased according to the user image data, so that the financial product automatically purchased by the system can meet the purchase habit of the resource sender, and ensure
  • the product purchase information contained in the e-resource package reflects its recommended type of financial product.
  • step S102 in the pre-docking online trading platform, the financial product associated with the resource sender is matched, and the financial product equivalent to the quantity of the resource is purchased, including Obtaining user image data of the resource receiver; analyzing and processing the user portrait data to determine, according to the result of the analysis processing, matching the user portrait data of the resource receiver from the plurality of financial products provided by the online trading platform
  • the financial product; purchase of the financial product, and the purchase amount of the financial product is equivalent to the quantity of the resource, thereby ensuring that the purchased financial product can satisfy the personalized consumption demand of the resource recipient.
  • the implementation principle of the steps not mentioned in this embodiment is the same as the implementation principle of the steps mentioned in the previous embodiments, and therefore will not be further described.
  • FIG. 4 shows another specific implementation flow of the processing method S102 of the electronic resource package provided by the embodiment of the present application, which is described in detail as follows:
  • S1024 Acquire user image data of the resource sender and the resource receiver respectively.
  • S1025 determining, in a plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender and user image data of the resource receiver Match the second financial product.
  • the user portrait data includes the user's financial product browsing record, such as browsing the duration of the page or the frequency of browsing, according to the browsing duration or the browsing frequency of the display page of each financial product.
  • the financial products are sorted and the top ranked financial products are identified as financial products that match the user's user portrait data. Therefore, based on the above manner, after acquiring the user image data of the resource sender and the resource receiver, the first financial product matching the user image data of the resource sender and the user portrait data of the resource receiver can be determined to match.
  • the second financial product is the first financial product matching the user image data of the resource sender and the user portrait data of the resource receiver.
  • the first financial product matching the user image data of the resource sender may also be determined based on the training manner of the LSTM model mentioned in the foregoing embodiment and the parameter import manner; similarly, The second financial product matching the user portrait data of the resource sender is determined based on the training mode of the LSTM model mentioned in the above embodiment and the parameter importing manner.
  • S1026 Obtain an investment risk value of the first financial product and the second financial product, respectively, and purchase a financial product in which the investment risk value is lower, and make the purchase amount of the financial product equivalent to the resource. Quantity.
  • Each financial product offered by the online trading platform has a corresponding investment risk value.
  • the investment risk value is pre-evaluated based on factors such as the rate of return of financial products over the past period of time, dividends, and the economic environment in which the investment is located.
  • the investment risk value of the first financial product and the second financial product in the above step S1025 is respectively determined according to the preset relationship between the financial product and the investment risk value.
  • a purchase request for the financial product is initiated, and the purchase is initiated.
  • the share value of the financial product entered is equivalent to the amount of resources authorized by the above-mentioned resource sender.
  • the product purchase information included in the electronic resource package is for gift
  • the resource receiver by acquiring the user image data of the resource sender and the resource receiver, the first financial product matching the user image data of the resource sender is initially determined and the user portrait data of the resource receiver is matched.
  • the second financial product purchases a financial product with a lower investment risk value, ensuring that the recipient of the resource recipient can obtain financial products with relatively safe and stable income, realize the rational transaction of financial products, and achieve intelligent financial management. effect.
  • step S104 when the electronic resource package is sent to the resource receiver, if the number of simultaneously transmitted electronic resource packets is greater than or equal to two, the processing of the electronic resource package
  • the method also includes:
  • the online transaction is performed according to the product purchase information carried by the electronic resource package.
  • selling the financial product that matches the product purchase information obtaining the number of the electronic resource packages that have been received, and randomly dividing the sales amount corresponding to the financial product into multiple rewards of the same number Gold; in accordance with the numerical value of the bonus, each of the bonus funds is sequentially stored in a preset account of the resource recipient of the electronic resource package that has been extracted, so that the electronic resource package
  • the bonus amount allocated by the resource receiver whose acquisition time is earlier is greater than the resource receiver whose electronic resource resource collection time is later.
  • the resource sender may simultaneously issue K (K is an integer greater than 1) electronic resource packets in the group, and when the electronic resource packet extraction instruction issued by K different users is respectively detected, the user is It is determined as a resource receiver, and the above product purchase information is sent to the resource receiver.
  • K is an integer greater than 1
  • (KL) electronic resource packets are shared. Not extracted.
  • the (KL) electronic resource package according to the product purchase information carried by each electronic resource package, in the online trading platform, the financial products matching the product purchase information are sold in real time to obtain (KL) The total amount obtained after the withdrawal of the electronic resource package, that is, the sales amount.
  • the above-obtained sales amount is randomly divided into the same number of bonuses as the number.
  • the total number of electronic resource bundles that have been received is L
  • the sales amount is randomly divided into L shares
  • each of the sales amount is a bonus.
  • each resource receiver is used as a reward party.
  • Each reward party is assigned a bonus. Specifically, a bonus is deposited into a preset account of a resource recipient.
  • the extraction time of the electronic resource package is recorded, so that the correspondence between the extraction time and its resource receiver is stored. If there is still an undrawn electronic resource package in the K electronic resource packets simultaneously sent by the resource sender after the preset time period is exceeded, the corresponding relationship between the stored resource receivers and the extraction time is read. Sort numbers are assigned to each resource receiver according to the order of extraction time. At the same time, according to the amount of the amount of each bonus, the awards are sorted. Each bonus is deposited into the default account of the resource recipient with the same number.
  • the bonus is allocated to the resource receiver of the extracted electronic resource package, ensuring that the amount of resources authorized by the resource sender can be reasonably allocated without being wasted, and the resource receiver can only obtain when the extraction speed is fast.
  • a higher amount of rewards also increases the entertainment of the e-resource pack.
  • FIG. 5 is a structural block diagram of the processing apparatus of the electronic resource package provided by the embodiment of the present application. For the convenience of explanation, only the parts related to the present embodiment are shown.
  • the apparatus includes:
  • the first obtaining unit 51 is configured to acquire the quantity of resources authorized by the resource sender.
  • the purchasing unit 52 is configured to match the financial product associated with the resource sender in a pre-docted online trading platform, and purchase the financial product equivalent to the quantity of the resource.
  • the second obtaining unit 53 is configured to acquire product purchase information related to the financial product, and write the product purchase information into the electronic resource package.
  • the sending unit 54 is configured to send the electronic resource package to a resource receiver.
  • the reading unit 55 is configured to read user information of the resource receiver when detecting an extraction operation of the electronic resource package by the resource receiver.
  • a change unit 56 configured to change, according to the user information, a share authority of the financial product from the resource sender to the resource receiver, and display the product purchase information in the online transaction platform The terminal interface of the resource receiver.
  • the purchasing unit 52 includes: a first acquiring subunit, configured to acquire user portrait data of the resource sender. a first determining subunit, configured to perform analysis processing on the user portrait data, and determine, according to a result of the analyzing process, matching the user portrait data from a plurality of the financial products provided by the online trading platform The first financial product. a first purchase subunit for purchasing the first financial product and making the purchase amount of the first financial product equivalent to the quantity of the resource.
  • the purchasing unit 52 includes: a second acquiring subunit, configured to respectively acquire user image data of the resource sender and the resource receiver. a second determining subunit, configured to determine, in the plurality of the financial products provided by the online trading platform, a first financial product that matches user image data of the resource sender, and the resource The recipient's user portrait data matches the second financial product. a second purchase subunit, configured to separately acquire investment risk values of the first financial product and the second financial product, and purchase a financial product in which the investment risk value is low, and purchase the financial product The amount is equivalent to the amount of the resource.
  • the reading unit 55 includes: a display subunit, configured to display a first option control and a second option control when detecting an extraction operation of the electronic resource package by the resource receiver;
  • the first option control is used to trigger an electronic resource resource withdrawal event
  • the second option control is used to trigger a collection event of the electronic resource resource carrier.
  • the reading subunit is configured to read user information of the resource receiver when detecting a touch operation on the second option control.
  • the processing device of the electronic resource package when the sending the electronic resource package to the resource receiver, if the electronic resource package is simultaneously sent by two or more, the processing device of the electronic resource package further includes:
  • a selling unit configured to: for any electronic resource package, if the extraction operation of the electronic resource package by any user is not detected within a preset time period, according to the product purchase information carried by the electronic resource package, In the online trading platform, the financial product that matches the product purchase information is sold.
  • a third obtaining unit configured to acquire the number of the electronic resource packages that have been received, and randomly divide the sales amount corresponding to the financial product into multiple rewards with the same number.
  • An allocating unit configured to sequentially store each of the bonus funds into a preset account of the resource recipient of the electronic resource package that has been extracted according to the value of the bonus amount, so that The bonus amount allocated by the resource receiver whose electronic resource resource collection time is earlier is greater than the resource receiver whose electronic resource resource collection time is later.
  • FIG. 6 is a schematic diagram of a terminal device according to an embodiment of the present application.
  • the terminal device 6 of this embodiment includes a processor 60 and a memory 61 in which computer readable instructions 62, such as an electronic resource package, executable on the processor 60 are stored. Processing program.
  • the processor 60 executes the computer readable instructions 62, the steps in the foregoing method for processing various electronic resource packages are implemented, such as steps 101 to 106 shown in FIG.
  • the processor 60 when executing the computer readable instructions 62, implements the functions of the various modules/units in the various apparatus embodiments described above, such as the functions of the units 51-56 shown in FIG.
  • the computer readable instructions 62 may be partitioned into one or more modules/units that are stored in the memory 61 and executed by the processor 60, To complete this application.
  • the one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function, the instruction segments being used to describe the execution of the computer readable instructions 62 in the terminal device 6.
  • the terminal device 6 may be a computing device such as a desktop computer, a notebook, a palmtop computer, and a cloud server.
  • the terminal device may include, but is not limited to, the processor 60 and the memory 61. It will be understood by those skilled in the art that FIG. 6 is only an example of the terminal device 6, and does not constitute a limitation of the terminal device 6, and may include more or less components than those illustrated, or combine some components or different components.
  • the terminal device may further include an input/output device, a network access device, a bus, and the like.
  • the memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory of the terminal device 6.
  • the memory 61 may also be an external storage device of the terminal device 6, for example, a plug-in hard disk equipped on the terminal device 6, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 61 may also include both an internal storage unit of the terminal device 6 and an external storage device.
  • the memory 61 is configured to store the computer readable instructions and other programs and data required by the terminal device.
  • the memory 61 can also be used to temporarily store data that has been output or is about to be output.
  • each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.
  • the integrated unit if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium.
  • a computer readable storage medium A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application.
  • the foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

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Abstract

本方案提供了一种电子资源包的处理方法、装置、终端设备及介质，适用于互联网技术领域，该方法包括：获取资源发送方授权的资源数量；在预先对接的在线交易平台中，匹配出关联的金融产品，并购入等价于资源数量的金融产品；获取与金融产品相关的产品购买信息，并将产品购买信息写入电子资源包；将电子资源包发送至资源接收方；若检测到资源接收方对电子资源包的提取操作时，读取资源接收方的用户信息；根据用户信息，在线交易平台中，将金融产品的份额权限进行变更，并将产品购买信息展示于资源接收方的终端界面。本方案将电子资源包的包含物从金钱货币变更为金融产品，用户无须登录交易平台也能得到一定份额权限的金融产品，故降低了操作复杂度。

Description

电子资源包的处理方法、装置、终端设备及介质
本申请要求于2018年04月10日提交中国专利局、申请号为201810315727.7、发明名称为“电子资源包的处理方法、终端设备及介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请属于互联网技术领域，尤其涉及一种电子资源包的处理方法、装置、终端设备及介质。
背景技术
随着互联网技术的日益普及，电子红包在用户的日常消费和娱乐等方面均占据了较为重要的地位。通过支付宝、财付通以及微信支付等第三方支付工具，用户可以摆脱“纸红包+现金”的传统模式，随时随地地给客户、亲朋好友或店铺商家等派发红包，或者，间接执行转账操作。因此，电子红包受到了广大群众的欢迎。
在电子红包的实际使用过程中，根据自身的转账需求，用户可以将预设的金额信息设置为电子红包的包含物。当他人点击该电子红包时，可获得与该包含物等价的电子钱包汇入金额。然而，正因为现有技术中的电子红包都仅用于承载货币的金额信息，因而其包含物较为单一，无法进一步提高电子红包的娱乐性，难以满足用户的个性化需求。另外，在理财产品投资领域，虽然用户可以利用电子钱包来购买自身所需的金融理财产品，但投资者只能在登录注册金融交易平台账号并绑定自己的电子钱包后，才能利用预先汇入于电子钱包中的货币来购买金融产品，因此，现有理财产品的购买方式存在操作复杂度较高的问题，由此也降低了金融产品的交易效率。
技术问题
有鉴于此，本申请实施例提供了一种电子资源包的处理方法、装置、终端设备及介质，以解决现有理财产品的购买方式存在操作复杂度较高以及交易效率较为低下的问题。
技术解决方案
本申请实施例的第一方面提供了一种电子资源包的处理方法，包括：
获取资源发送方所授权的资源数量；
在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
将所述电子资源包发送至资源接收方；
若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
本申请实施例的第二方面提供了一种电子资源包的处理装置，包括：
第一获取单元，用于获取资源发送方所授权的资源数量；
购入单元，用于在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
第二获取单元，用于获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
发送单元，用于将所述电子资源包发送至资源接收方；
读取单元，用于若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
变更单元，用于根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
本申请实施例的第三方面提供了一种终端设备，包括存储器以及处理器，所述存储器中存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如第一方面所述的电子资源包的处理方法的步骤。
本申请实施例的第四方面提供了一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，所述计算机可读指令被处理器执行时实现如第一方面所述的电子资源包的处理方法的步骤。
有益效果
本申请实施例中，通过获取资源发送方所授权的资源数量，自动购入等价于该资源数量的金融产品，将与金融产品相关的产品购买信息写入电子资源包中，使得资源接收方在接收到他人所派发的电子资源包后，能够获得资源发送方所赠送的金融产品，而不再是单纯地接收资源发送方的金钱货币信息，因此，实现了将电子资源包的包含物从金钱货币值变更为实际意义上的金融产品，故解决了现有技术中电子资源包包含物单一的问题。当资源接收方想要购买理财产品时，基于本申请实施例所提供的方法能够满足用户的实际消费需求，且达到了智能理财的效果；对于用户而言，其无须登录交易平台也能得到一定份额权限的金融产品，因而降低了操作复杂度，由此也提高了金融产品的交易效率。
附图说明
图1是本申请实施例提供的电子资源包的处理方法的实现流程图；
图2是本申请实施例提供的电子资源包的处理方法S105的具体实现流程图；
图3是本申请实施例提供的电子资源包的处理方法S102的一具体实现流程图；
图4是本申请实施例提供的电子资源包的处理方法S102的另一具体实现流程图；
图5是本申请实施例提供的电子资源包的处理装置的结构框图；
图6是本申请实施例提供的终端设备的示意图。
本发明的实施方式
为了说明本申请所述的技术方案，下面通过具体实施例来进行说明。
图1示出了本申请实施例提供的电子资源包的处理方法的实现流程，该方法流程包括步骤S101至S106。各步骤的具体实现原理如下：
S101：获取资源发送方所授权的资源数量。
本申请实施例中，资源发送方对其终端设备发出电子资源包发送指令，使得终端设备对资源数量设置页面进行显示。通过资源数量设置页面，接收资源发送方所输入的资源数量后，对资源发送方所绑定的银行卡以及授权密码进行认证。当认证成功时，将当前所接收到的资源数量确定为资源发送方所授权的资源数量。其中，资源数量表示资源发送方所支付的红包金额值。
优选地，若检测到资源数量大于预设阈值，则提示资源发送方重新设置资源数量。
S102：在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品。
本申请实施例中，通过预先提供的对接接口，与在线交易平台进行对接。上述在线交易平台为互联网金融产品交易平台，其用于提供货币型基金、股票型基金、混合型基金、黄金白银等贵金属理财产品以及其他金融类理财产品的交易服务。
在预先对接的在线交易平台中，根据其所提供的多类金融产品，自动发起对其中的一类或多类金融产品的购入请求，且购入的各类金融产品的份额价值等价于上述资源发送方所授权的资源数量。优选地，自动购入的金融产品具体为：对于在线交易平台所提供出售的各类金融产品的特征属性进行检测，从而自动识别出与资源发送方的用户画像数据具有较大关联的一类或多类金融产品后，才对这些确定出金融产品发出购入请求。
当检测到在线交易平台所返回的响应信息时，将上述资源发送方所授权的资源数量转入在线交易平台的平台账户，以完成金融产品的购入操作。
S103：获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资 源包中。
当金融产品购入操作完成时，获取在线交易平台所返回的产品购买信息。上述产品购买信息包括但不限于金融产品名称、类型、份额价值以及购入日期等。
本申请实施例中，生成一个电子资源包，将在线交易平台所返回的产品购买信息作为该电子资源包的承载物写入电子资源包中。
S104：将所述电子资源包发送至资源接收方。
在资源发送方的终端设备所展示的好友列表中，检测资源发送方所选取的资源接收方。将上述承载产品购买信息的电子资源包发送至该资源接收方。其中，资源接收方可以是单用户对象，也可以是群组对象。
S105：若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息。
在将电子资源包发送至资源接收方后，电子资源包将以一预设标识图案的形式展示于资源接收方的终端设备中。若检测到资源接收方对该预设标识图案发出选取指令，则确定电子资源包的提取操作被触发。此时，资源接收方的终端设备读取当前终端登录账号所对应预设的用户信息，或者，弹出提示窗口，以提示资源接收方输入自身的用户信息。其中，用户信息包括用户名、身份标识码以及理财账户信息等。
本申请实施例中，接收资源接收方终端设备所上传的用户信息。
作为本申请的一个实施例，图2示出了本申请实施例提供的电子资源包的处理方法S105的另一具体实现流程，详述如下：
S1051：当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发电子资源包承载物的领取事件。
本申请实施例中，当检测到资源接收方对用于表示电子资源包的预设标识图案发出选取指令时，并非直接获取资源接受方的用户信息，而是在其终端界面上生成至少两个选项控件，包括第一选项控件以及第二选项控件。其中，第一选项控件上标识有与提现事件相关的提示信息，第二选项控件上标识有与电子资源包承载物的领取事件相关的提示信息。例如，在第一选项控件上展示标识符“提现”，在第二选项控件上展示标识符“赠品领取”。
S1052：当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户。
当接收到资源接收方的终端设备所发出的基于第一选项控件的选取指令时，在预先对接的在线交易平台，按照资源发送方所授权购买的上述金融产品在当前时刻的市场销售金额 值，将该金融产品进行抛售处理，以将预先购买的上述份额的金融产品转换为等价的电子货币后，将其存入资源接收方在该在线交易平台的预设账户中。
优选地，当检测到对第一选项控件的触控操作的同时，若接收到资源接收方的终端设备所发出的条件设置指令，则读取条件设置指令所携带的出售条件。其中，出售条件包括但不限于预设出售时间以及出售额值等。若出售条件包括预设出售时间，则在该预设出售时间到达时，才将该金融产品进行抛售以及将出售金额存入预设账户；若出售条件包括出售额值，则每隔预设的时间间隔，根据金融产品在当前时刻的市场销售单价值，计算金融产品的预估销售总额。仅在预估销售总额大于或等于出售额值时，才将该金融产品进行抛售以及将出售金额存入预设账户。
优选地，在将出售金额存入预设账户后，将提现完成提示信息返回至资源接收方。
S1053：当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
当接收到资源接收方的终端设备所发出的基于第二选项控件的选取指令时，确定资源接收方需要领取资源发送方所赠送的价值礼品，此时，才读取资源接收方的用户信息，以执行后续的礼品份额转移操作。
本申请实施例中，通过在检测到资源接收方对电子资源包的提取操作时，展示用于触发提现事件的第一选项控件以及用于触发承载物领取事件的第二选项控件，使得资源接收方能够进一步确定自己所需的资源提取物，提高了电子资源包的选择灵活性，避免了在接收到金融产品的产品购买信息时，资源接收方需要自行登录在线交易平台执行金融产品的出售操作，因此，降低了电子资源包现金提取操作的繁琐度。
S106：根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
本申请实施例中，在读取到资源接收方的用户信息时，向在线交易平台发出份额权限变更申请，并将资源接收方的用户信息上传至在线交易平台。在线交易平台中，根据接收到的用户信息以及预先获取得到的资源发送方的产品购买信息，将其已购买的金融产品的份额权限由资源发送方更改为资源接收方，并一同更新产品购买信息，以将更新后的产品购买信息发送至资源接收方的终端设备后，令资源接收方的终端设备对该产品购买信息进行展示。
本申请实施例实现了将电子资源包的包含物从金钱货币变更为实际意义上的理财产品，故解决了现有技术中电子资源包包含物单一的问题。当资源接收方想要购买理财产品时，基于本申请实施例所提供的方法能够满足用户的实际消费需求，且达到了智能理财的效果；对于用户而言，其无须登录交易平台也能得到一定份额权限的金融产品，因而降低了操作复杂 度，由此也提高了金融产品的交易效率。
作为本申请的一个实施例，图3示出了本申请实施例提供的电子资源包的处理方法S102的具体实现流程，详述如下：
S1021：获取所述资源发送方的用户画像数据。
在接收到资源发送方所授权的资源数量之后，请求资源发送方上传其用户画像数据。用户画像数据包括但不限于资源发送方的年收入状况以及投资领域信息等，同时，调取资源发送方在上述在线交易平台中的历史购买记录，以作为其中的一项用户画像数据。上述投资领域信息为资源发送方最近较为关注的金融产品投资领域，例如股票、基金、贵金属、国债等投资领域。
S1022：对所述用户画像数据进行分析处理，根据分析处理的结果，从所述在线交易平台所提供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品。
本申请实施例中，执行对用户画像数据的分析处理，以确定资源发送方的年收入值所属的一个年收入预设区间以及确定出历史购买记录中购买次数最多的金融产品的类型。经过大数据分析算法，对上述各项用户画像数据进行分析后，可预测出资源发送方的目标投资产品，即，确定出资源发送方在在线交易平台中所授权购买的金融产品的品种。
具体地，将上述确定出的年收入预设区间、历史购买记录中购买次数最多的金融产品的类型、以及投资领域信息导入到预设的长短期记忆网络(Long Short-Term Memory，LSTM)模型，以对该LSTM神经网络模型中的各个参数进行调整。上述LSTM神经网络模型的学习参数的调整模型如下：
Figure PCTCN2018097454-appb-000001
其中，上述I n表示LSTM神经网络模型的一项输入训练参数，例如，I 1为用户A的历史购买记录中购买次数最多的金融产品的类型；I 2为用户A的投资领域信息；I 3为用户A的年收入预设区间；上述用户A为已知目标投资产品信息的用户。上述S为预测的金融产品的品种，θ为学习参数，p(S|I 1,I 2,I 2,…,I n；θ)为预测结果为的正确概率值，θ *为当该正确概率值取最大时，LSTM模型所对应的学习参数。
通过上述调整模型，确定出LSTM神经网络模型的θ *值，以得到训练完成后的LSTM神经网络模型。此时，将资源发送方在上述I 1,I 2,I 2,…,I n中所分别对应的用户画像数据导入到该LSTM神经网络模型，使得LSTM神经网络模型输出对应的S值，即资源发送方在在线交易平台中所授权购买的金融产品的品种。
S1023：购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
根据上述确定出的与资源发送方的用户画像数据相匹配的金融产品的品种，在在线交易平台中，发起对上述品种的金融产品的购入请求，且购入的该金融产品的份额价值等价于上述资源发送方所授权的资源数量。
本申请实施例中，通过获取资源发送方的用户画像数据，以根据该用户画像数据来预测出所需购买的金融产品，使得***所自动购买的金融产品能够符合资源发送方的购买习惯，保证了电子资源包所包含的产品购买信息能够体现出其对金融产品的推荐类型。
在另一场景中，上述步骤S102，在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：获取资源接收方的用户画像数据；对该用户画像数据进行分析处理，以根据分析处理的结果，从在线交易平台所提供的多种金融产品中，确定出与资源接收方的用户画像数据匹配的金融产品；购入该金融产品，并使该金融产品的购买量等价于所述资源数量，由此保证了购买的金融产品能够满足资源接收方的个性化消费需求。本实施例中未提到的步骤实现原理与前面各个实施例所提到的步骤实现原理相同，因此不再一一赘述。
作为本申请的另一实施例，图4示出了本申请实施例提供的电子资源包的处理方法S102的另一具体实现流程，详述如下：
S1024：分别获取所述资源发送方以及所述资源接收方的用户画像数据。
S1025：在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品。
作为本申请的一个实施示例，若用户画像数据包括用户的金融产品浏览记录，如浏览页面停留时长或浏览频次，则根据其在各个金融产品的展示页面上的浏览时长高低或浏览频次高低，对各项金融产品进行排序，并将排序最前的金融产品识别为与该用户的用户画像数据相匹配的金融产品。因此，基于上述方式，在获取资源发送方以及资源接收方的用户画像数据之后，可确定出与资源发送方的用户画像数据相匹配的第一金融产品以及与资源接收方的用户画像数据相匹配的第二金融产品。
作为本申请的另一实施示例，还可基于上述实施例中所提到的LSTM模型的训练方式以及参数导入方式来确定出与资源发送方的用户画像数据匹配的第一金融产品；同理，基于上述实施例中所提到的LSTM模型的训练方式以及参数导入方式来确定出与资源发送方的用户画像数据匹配的第二金融产品。
S1026：分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
在线交易平台所提供出售的每一金融产品均存在对应的投资风险值。投资风险值基于金融产品在过去预设时长内的收益率、分红以及投资所在地的经济环境等因子来预先评估确定。根据预设的金融产品以及投资风险值的对应关系，分别确定出上述步骤S1025中第一金融产品以及第二金融产品的投资风险值。
通过比较第一金融产品以及第二金融产品的投资风险值的大小关系，确定出投资风险值相对较低的金融产品，则在在线交易平台中，发起对该金融产品的购入请求，且购入的该金融产品的份额价值等价于上述资源发送方所授权的资源数量。
本申请实施例中，由于不同用户所喜爱的投资方式不同，有些用户爱好风险高收益大的金融产品，有些用户爱好风险小的金融产品，而电子资源包所包含的产品购买信息是用于赠送于资源接收方的，因此，通过获取资源发送方以及资源接收方的用户画像数据，初步判定与资源发送方的用户画像数据相匹配的第一金融产品以及与资源接收方的用户画像数据相匹配的第二金融产品，进而购入其中投资风险值更低的一项金融产品，保证资源接收方用户能够获得收益较为安全稳定的金融产品，实现了金融产品的合理***易，达到了智能理财的效果。
作为本申请的另一实施例，在上述步骤S104中，将所述电子资源包发送至资源接收方时，若同时发送的电子资源包的数目大于或等于二，则所述电子资源包的处理方法还包括：
对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品；获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金；依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
具体地，资源发送方可以在群组内同时发出K(K为大于1的整数)个电子资源包，则在分别检测到K个不同的用户所发出的电子资源包提取指令时，将该用户确定为一资源接收方，并将上述产品购买信息发送至该资源接收方。
本申请实施例中，若资源发送方在群组内同时发出K个电子资源包，且在预设时长内，仅确定出L(L<K)个资源接收方，则共有(K-L)个电子资源包未被提取。此时，在(K-L)个电子资源包中，根据每一电子资源包所承载的产品购买信息，在在线交易平台中，将与该产品购买信息匹配的金融产品均进行实时出售处理，以得到(K-L)个电子资源包提现后所得到的总额，即出售金额。
根据已被领取的电子资源包的总数，将上述获取得到的出售金额随机分成与该数目相同的多份奖励金。例如，在上述示例中，已被领取的电子资源包的总数为L，则将出售金额随机分成L份，其中的每一份出售金额为一份奖励金。本申请实施例中，以各个资源接收方作为奖励方。为每一奖励方分配一份奖励金。具体地，将一份奖励金存入一资源接收方的预设账户中。
进一步地，在检测到每一电子资源包所对应的提取指令时，记录该电子资源包的提取时间，以将该提取时间与其资源接收方的对应关系进行存储。若在预设时长过后，在资源发送方所同时发出的K个电子资源包中，依然存在未被提取的电子资源包，则读取已存储的各个资源接收方与提取时间的对应关系，以根据提取时间的先后顺序，为各个资源接收方进行排序编号。同时，根据每一份奖励金的金额额值大小，对各份奖励金进行排序编号。将每一份奖励金存入与其编号相同的资源接收方的预设账户中。
本申请实施例中，对于未被提取的电子资源包，通过将其进行出售以获得对应的出售金额，并将得到的所有出售金额分成多份奖励金，依照奖励金的金额额值大小，将奖励金分配至已被提取的电子资源包的资源接收方，保证了资源发送方所授权的资源数量能够被合理分配而不被浪费，并且，资源接收方只有在提取速度较快时，才能获得额度更高的奖励，因而也提高了电子资源包的娱乐性。
应理解，上述实施例中各步骤的序号的大小并不意味着执行顺序的先后，各过程的执行顺序应以其功能和内在逻辑确定，而不应对本申请实施例的实施过程构成任何限定。
对应于上文实施例所述的电子资源包的处理方法，图5示出了本申请实施例提供的电子资源包的处理装置的结构框图。为了便于说明，仅示出了与本实施例相关的部分。
参照图5，该装置包括：
第一获取单元51，用于获取资源发送方所授权的资源数量。购入单元52，用于在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品。第二获取单元53，用于获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中。发送单元54，用于将所述电子资源包发送至资源接收方。读取单元55，用于若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息。变更单元56，用于根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
可选地，所述购入单元52包括：第一获取子单元，用于获取所述资源发送方的用户画像数据。第一确定子单元，用于对所述用户画像数据进行分析处理，根据分析处理的结果， 从所述在线交易平台所提供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品。第一购入子单元，用于购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
可选地，所述购入单元52包括：第二获取子单元，用于分别获取所述资源发送方以及所述资源接收方的用户画像数据。第二确定子单元，用于在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品。第二购入子单元，用于分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
可选地，所述读取单元55包括：展示子单元，用于当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发电子资源包承载物的领取事件。出售子单元，用于当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户。读取子单元，用于当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
可选地，在所述将所述电子资源包发送至资源接收方时，若同时发送的所述电子资源包为两个或两个以上，则所述电子资源包的处理装置还包括：
出售单元，用于对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品。
第三获取单元，用于获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金。
分配单元，用于依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
图6是本申请一实施例提供的终端设备的示意图。如图6所示，该实施例的终端设备6包括：处理器60以及存储器61，所述存储器61中存储有可在所述处理器60上运行的计算机可读指令62，例如电子资源包的处理程序。所述处理器60执行所述计算机可读指令62时实现上述各个电子资源包的处理方法实施例中的步骤，例如图1所示的步骤101至106。或者，所述处理器60执行所述计算机可读指令62时实现上述各装置实施例中各模块/单元的功能，例如图5所示单元51至56的功能。
示例性的，所述计算机可读指令62可以被分割成一个或多个模块/单元，所述一个或者多个模块/单元被存储在所述存储器61中，并由所述处理器60执行，以完成本申请。所述一个或多个模块/单元可以是能够完成特定功能的一系列计算机可读指令段，该指令段用于描述所述计算机可读指令62在所述终端设备6中的执行过程。
所述终端设备6可以是桌上型计算机、笔记本、掌上电脑及云端服务器等计算设备。所述终端设备可包括，但不仅限于处理器60和存储器61。本领域技术人员可以理解，图6仅仅是终端设备6的示例，并不构成对终端设备6的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件，例如所述终端设备还可以包括输入输出设备、网络接入设备、总线等。
所述存储器61可以是所述终端设备6的内部存储单元，例如终端设备6的硬盘或内存。所述存储器61也可以是所述终端设备6的外部存储设备，例如所述终端设备6上配备的插接式硬盘，智能存储卡(Smart Media Card，SMC)，安全数字(Secure Digital，SD)卡，闪存卡(Flash Card)等。进一步地，所述存储器61还可以既包括所述终端设备6的内部存储单元也包括外部存储设备。所述存储器61用于存储所述计算机可读指令以及所述终端设备所需的其他程序和数据。所述存储器61还可以用于暂时地存储已经输出或者将要输出的数据。
另外，在本申请各个实施例中的各功能单元可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用软件功能单元的形式实现。
所述集成的单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分或者该技术方案的全部或部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质中，包括若干指令用以使得一台计算机设备(可以是个人计算机，服务器，或者网络设备等)执行本申请各个实施例所述方法的全部或部分步骤。而前述的存储介质包括：U盘、移动硬盘、只读存储器(Read-Only Memory，ROM)、随机存取存储器(Random Access Memory，RAM)、磁碟或者光盘等各种可以存储程序代码的介质。
以上所述，以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请各实施例技术方案的精神和范围。

Claims (20)

  1. 一种电子资源包的处理方法，其特征在于，包括：
    获取资源发送方所授权的资源数量；
    在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
    获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
    将所述电子资源包发送至资源接收方；
    若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
    根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
  2. 如权利要求1所述的电子资源包的处理方法，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    获取所述资源发送方的用户画像数据；
    对所述用户画像数据进行分析处理，根据分析处理的结果，从所述在线交易平台所提供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品；
    购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
  3. 如权利要求1所述的电子资源包的处理方法，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    分别获取所述资源发送方以及所述资源接收方的用户画像数据；
    在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品；
    分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
  4. 如权利要求1所述的电子资源包的处理方法，其特征在于，所述若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息，包括：
    当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第 二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发电子资源包承载物的领取事件；
    当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户；
    当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
  5. 如权利要求1所述的电子资源包的处理方法，其特征在于，在所述将所述电子资源包发送至资源接收方时，若同时发送的所述电子资源包为两个或两个以上，则所述电子资源包的处理方法还包括：
    对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品；
    获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金；
    依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
  6. 一种电子资源包的处理装置，其特征在于，包括：
    第一获取单元，用于获取资源发送方所授权的资源数量；
    购入单元，用于在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
    第二获取单元，用于获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
    发送单元，用于将所述电子资源包发送至资源接收方；
    读取单元，用于若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
    变更单元，用于根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
  7. 根据权利要求6所述的电子资源包的处理装置，其特征在于，所述购入单元包括：
    第一获取子单元，用于获取所述资源发送方的用户画像数据；
    第一确定子单元，用于对所述用户画像数据进行分析处理，根据分析处理的结果，从 所述在线交易平台所提供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品；
    第一购入子单元，用于购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
  8. 根据权利要求6所述的电子资源包的处理装置，其特征在于，所述购入单元包括：
    第二获取子单元，用于分别获取所述资源发送方以及所述资源接收方的用户画像数据；
    第二确定子单元，用于在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品；
    第二购入子单元，用于分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
  9. 根据权利要求6所述的电子资源包的处理装置，其特征在于，所述读取单元包括：
    展示子单元，用于当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发电子资源包承载物的领取事件；
    出售子单元，用于当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户；
    读取子单元，用于当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
  10. 根据权利要求6所述的电子资源包的处理装置，其特征在于，在所述将所述电子资源包发送至资源接收方时，若同时发送的所述电子资源包为两个或两个以上，则所述电子资源包的处理装置还包括：
    出售单元，用于对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品；
    第三获取单元，用于获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金；
    分配单元，用于依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
  11. 一种终端设备，其特征在于，包括存储器以及处理器，所述存储器中存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
    获取资源发送方所授权的资源数量；
    在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
    获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
    将所述电子资源包发送至资源接收方；
    若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
    根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
  12. 根据权利要求11所述的终端设备，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    获取所述资源发送方的用户画像数据；
    对所述用户画像数据进行分析处理，根据分析处理的结果，从所述在线交易平台所提供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品；
    购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
  13. 根据权利要求11所述的终端设备，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    分别获取所述资源发送方以及所述资源接收方的用户画像数据；
    在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品；
    分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
  14. 根据权利要求11所述的终端设备，其特征在于，所述若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息，包括：
    当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发 电子资源包承载物的领取事件；
    当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户；
    当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
  15. 根据权利要求11所述的终端设备，其特征在于，在所述将所述电子资源包发送至资源接收方时，若同时发送的所述电子资源包为两个或两个以上，则所述处理器执行所述计算机可读指令时还实现如下步骤：
    对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品；
    获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金；
    依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
  16. 一种计算机可读存储介质，所述计算机可读存储介质存储有计算机可读指令，其特征在于，所述计算机可读指令被至少一个处理器执行时实现如下步骤：
    获取资源发送方所授权的资源数量；
    在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品；
    获取与所述金融产品相关的产品购买信息，并将所述产品购买信息写入电子资源包中；
    将所述电子资源包发送至资源接收方；
    若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息；
    根据所述用户信息，在所述在线交易平台中，将所述金融产品的份额权限由所述资源发送方变更为所述资源接收方，并将所述产品购买信息展示于所述资源接收方的终端界面。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    获取所述资源发送方的用户画像数据；
    对所述用户画像数据进行分析处理，根据分析处理的结果，从所述在线交易平台所提 供的多种所述金融产品中，确定出与所述用户画像数据匹配的第一金融产品；
    购入所述第一金融产品，并使所述第一金融产品的购买量等价于所述资源数量。
  18. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述在预先对接的在线交易平台中，匹配出与所述资源发送方关联的所述金融产品，并购入等价于所述资源数量的所述金融产品，包括：
    分别获取所述资源发送方以及所述资源接收方的用户画像数据；
    在所述在线交易平台所提供的多种所述金融产品中，分别确定出与所述资源发送方的用户画像数据相匹配的第一金融产品以及与所述资源接收方的用户画像数据相匹配的第二金融产品；
    分别获取所述第一金融产品以及所述第二金融产品的投资风险值，并购入其中所述投资风险值较低的金融产品，并使该金融产品的购买量等价于所述资源数量。
  19. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述若检测到所述资源接收方对所述电子资源包的提取操作时，读取所述资源接收方的用户信息，包括：
    当检测到所述资源接收方对所述电子资源包的提取操作时，展示第一选项控件以及第二选项控件；所述第一选项控件用于触发电子资源包提现事件，所述第二选项控件用于触发电子资源包承载物的领取事件；
    当检测到对所述第一选项控件的触控操作时，在所述在线交易平台，出售所述金融产品，并将得到的出售金额存入所述资源接收方的预设账户；
    当检测到对所述第二选项控件的触控操作时，读取所述资源接收方的用户信息。
  20. 根据权利要求16所述的计算机可读存储介质，其特征在于，在所述将所述电子资源包发送至资源接收方时，若同时发送的所述电子资源包为两个或两个以上，则所述计算机可读指令被至少一个处理器执行时还实现如下步骤：
    对任一所述电子资源包，若在预设时长内未检测到任一用户对该电子资源包的提取操作，则根据该电子资源包所承载的所述产品购买信息，在所述在线交易平台中，出售与该产品购买信息匹配的所述金融产品；
    获取已被领取的所述电子资源包的数目，并将所述金融产品对应的出售金额随机分成与所述数目相同的多份奖励金；
    依照所述奖励金的数值大小，依序将每一份所述奖励金分别存入已被提取的所述电子资源包的所述资源接收方的预设账户中，以使电子资源包领取时间较早的所述资源接收方所分配得到的所述奖励金大于电子资源包领取时间较晚的所述资源接收方。
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CN112270561A (zh) * 2020-09-22 2021-01-26 北京达佳互联信息技术有限公司 电子资源发放方法、装置、电子设备及存储介质
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