CN107833037A - A kind of method that business by stages is realized based on credit - Google Patents
A kind of method that business by stages is realized based on credit Download PDFInfo
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- CN107833037A CN107833037A CN201710948357.6A CN201710948357A CN107833037A CN 107833037 A CN107833037 A CN 107833037A CN 201710948357 A CN201710948357 A CN 201710948357A CN 107833037 A CN107833037 A CN 107833037A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0652—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash with decreasing value according to a parameter, e.g. time
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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Abstract
Specification discloses a kind of method that business by stages is realized based on credit, including：Credit system obtains the user profile of the initiating terminal owning user of service request by stages；Credit system determines the credit information of the user according to the user profile, and the credit information is sent into operation system；If the credit information meets predetermined credit constraints, operation system performs the business by stages for the user.
Description
Technical field
This specification is related to Internet technical field, more particularly to a kind of method that business by stages is realized based on credit.
Background technology
Periodical mode is that a kind of important payment method, user can first consume, subsequently gradually prop up in current retail trade
Related fund is paid, so that payment pressure is shared a period of time in future.The implementation of periodical mode may include：Credit card
Deng.
By taking credit card as an example, the application process of credit card is tediously long, requisition cycle is longer, and Consumer's Experience is poor.Therefore, it is necessary to
A kind of quick, reliable implementation by stages is provided.
The content of the invention
In view of this, this specification provides a kind of method that business by stages is realized based on credit.
Specifically, this specification is achieved by the following technical solution：
A kind of method that business by stages is realized based on credit, including：
Credit system obtains the user profile of the initiating terminal owning user of service request by stages；
Credit system determines the credit information of the user according to the user profile, and the credit information is sent to
Operation system；
If the credit information meets predetermined credit constraints, operation system is performed for the user by stages
Business.
A kind of method that business by stages is realized based on credit, including：
Obtain the user profile of the initiating terminal owning user of service request by stages；
The credit information of the user is determined according to the user profile, and the credit information is sent to business system
System, so that operation system is when the credit information meets predetermined credit constraints, perform for the user by stages
Business.
A kind of method that business by stages is realized based on credit, including：
Receive the credit information of the initiating terminal owning user for the service request by stages that credit system is sent；
If the credit information meets predetermined credit constraints, the business by stages for the user is performed.
This specification credit system can determine the credit of service request initiation user by stages it can be seen from above description
Information, and the credit information is sent to operation system.Operation system can meet predetermined in the credit information for initiating user
During credit constraints, the business by stages for the user is performed, so as to realize efficiently business by stages to initiate user.This
Outside, the business by stages based on credit constraints, the bad debt risk of operation system can effectively be reduced.
Brief description of the drawings
Fig. 1 is a kind of flow that the method for business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Schematic diagram.
Fig. 2 is another stream that the method for business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Journey schematic diagram.
Fig. 3 is a kind of device for being used to realize business by stages based on credit shown in the exemplary embodiment of this specification one
One structural representation.
Fig. 4 is a kind of frame that the device of business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Figure.
Fig. 5 is the device that the another kind shown in the exemplary embodiment of this specification one is used to realize business by stages based on credit
A structural representation.
Fig. 6 is another frame that the device of business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Figure.
Embodiment
Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to
During accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represent same or analogous key element.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute
The example of the consistent apparatus and method of some aspects be described in detail in attached claims, this specification.
It is only merely for the purpose of description specific embodiment in the term that this specification uses, and is not intended to be limiting this explanation
Book." one kind " of used singulative, " described " and "the" are also intended to bag in this specification and in the appended claims
Most forms are included, unless context clearly shows that other implications.It is also understood that term "and/or" used herein is
Refer to and any or all may be combined comprising the associated list items purpose of one or more.
It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but
These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, do not taking off
In the case of this specification scope, the first information can also be referred to as the second information, and similarly, the second information can also be claimed
For the first information.Depending on linguistic context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determining ".
This specification provides a kind of method that business by stages is realized based on credit, can be with credit system and operation system
Realize.
Wherein, credit system is typically to be disposed by the service provider of offer credit evaluation function, and its physical support is usual
For server or server cluster, in addition to credit evaluation function, credit system can also call payment system to realize payment work(
Energy, or credit system have payment function in itself, and this specification is not particularly limited to this.
Operation system with the service provider for performing business function by stages generally by disposing, for example, operation system can be with
For the system of trade company's deployment, operation system can also be the system that other in addition to trade company have payment function, this specification
This is not particularly limited.The physical support of operation system is generally also server or server cluster.
In this specification, user can pass through the service request entrance by stages of the systems such as operation system or credit system offer
To ask business by stages, for example, user asks amount of money of this consumption of payable by installment etc..Credit system can be to request user's
Credit is assessed, and assessment result is sent into operation system.Operation system can determine request user according to the assessment result
Authenticity, and then to perform business by stages for request user, so as to realize business by stages for request user, used for request
For family, realize that fast, experience is preferable, and bad debt risk can be also effectively reduced for operation system.
Fig. 1 is a kind of flow that the method for business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Schematic diagram.
Fig. 1 is refer to, it is described to realize that the method for business by stages may comprise steps of based on credit：
Step 102, credit system obtains the user profile of the initiating terminal owning user of service request by stages.
In the present embodiment, user can initiate service request by stages based on the terminal device of oneself by number of ways.
In one example, user can by credit system provide URL (Uniform Resource Locator,
URL), the entrance such as Quick Response Code initiate service request by stages.
In another example, user can also pass through operation system or the URL of other third party systems offer, two dimension
The entrances such as code initiate service request by stages.User profile can be sent to credit system by the operation system or third party system
System.
In the present embodiment, the service request by stages can include：Monthly payment plan request etc..
In the present embodiment, the user profile can include：Address name, subscriber phone number, user identity card number
Information, this specification such as code are not particularly limited to this.
Step 104, credit system determines the credit information of the user according to the user profile, and the credit is believed
Breath is sent to operation system.
Based on abovementioned steps 102, the user that credit system initiates service request by stages getting is (follow-up referred to as to initiate
User) user profile after, can be obtained according to the user profile and initiate the related various data of user, then can integrate acquisition
The data assessment arrived initiates the authenticity and its contractual capacity of user, to determine to initiate the credit information of user.
Wherein, above-mentioned various data can include：Current location, facial image, historical trading data, history promise breaking data
Deng this specification is not particularly limited to this.
In one example, the form that shows of the credit information can be credit scoring, can be directly perceived based on credit scoring
It is determined that the credit grade of user is initiated, for example, credit is qualified or credit is unqualified.Wherein, credit is qualified can generally represent to initiate
The contractual capacity of user is stronger；And credit it is unqualified can generally represent initiate user contractual capacity it is poor.
In another example, the form that shows of the credit information can be credit scoring and credit grade, wherein, should
Credit grade can include：Credit is qualified, credit is unqualified.Based on the credit grade, can intuitively determine to initiate the letter of user
Use grade；Based on the credit scoring, user can be initiated to credit grade identical and further discriminated between.
Optionally, in the present embodiment, before it is determined that initiating the credit information of user, credit system can also be first to hair
Play user and carry out authentication.
In one example, credit system can be based on testing after the service request by stages of initiating terminal transmission is received
Card strategy carries out authentication to initiating user, if initiating user by authentication, can determine that it is me to initiate user
Operation, and then the step of abovementioned steps 102 obtain the user profile of the initiating terminal owning user can be performed, to determine to send out
Play the credit information of user.
Wherein, above-mentioned authentication policy can be configured by developer, it may include one kind in following authentication policy or
It is a variety of：Phone number authentication policy, facial image authentication policy, address information authentication policy etc..
For example, the implementation of the phone number authentication policy can be：Initiate user and fill in phone number, credit system
Whether the phone number that system checking initiation user fills in is consistent with the phone number of its account binding, if unanimously, can determine
Phone number passes through checking；If inconsistent, it can determine that phone number is not verified.
In another example the implementation of the phone number authentication policy can be：Credit system is bound to user account
Phone number sends random verification code, if the identifying code that initiation user fills in is consistent with the random verification code that credit system is sent,
It can then determine that phone number passes through checking；If inconsistent, it can determine that phone number is not verified.
For example, the implementation of the facial image authentication policy can be：Gathered by initiating terminal and initiate user's
Whether facial image, it is consistent with the facial image of user account binding then to verify the facial image that collects, or in public security
Whether the facial image that system check collects is consistent with the real human face image of user account real name user, if unanimously, can
To determine that facial image passes through checking；If inconsistent, it can determine that facial image is not verified.
For example, the implementation of the address information authentication policy can be：Initiate user's fill address information, credit system
Whether the address information that system checking initiation user fills in is consistent with the address information of its account binding, if unanimously, can determine
Address information passes through checking；If inconsistent, it can determine that address information is not verified.
Certainly, in actual applications, other modes can also be used to carry out authentication, this specification pair to initiating user
This is not particularly limited.
In this example, if initiating user not by authentication, authentication can be returned to operation system and do not passed through
Message, operation system by the initiation user of authentication for not being not carried out business by stages, to avoid money from damaging.
In another example, after credit system can get the user profile for initiating user in this step, to hair
Play user and carry out authentication.The authentication policy of the authentication may be referred to described above, and this specification is herein no longer one by one
Repeat.Credit system can determine to initiate the credit information of user with the authentication result and user profile of synthetic user.
For example, credit system can use the implementation provided in correlation technique to determine to initiate to use according to user profile
The first sub- credit information at family, determined to initiate the second sub- credit information of user according to authentication result, then integrate first
Sub- credit information and the second sub- credit information determine to initiate the credit information of user.
In integrated identity authentication result and user profile determine the implementation of credit information, credit system is without that will send out
The authentication result for playing user returns to operation system, and the comprehensive credit information determined only is returned into operation system,
This specification is not particularly limited to this.
In another example, credit system can also connect after the service request by stages of initiating terminal transmission is received
Close and initiate scene, the data such as initiating terminal information and carry out preliminary risk assessment to initiating user, can be with if being evaluated as excessive risk
Authentication is carried out to initiating user based on authentication policy, if being evaluated as low-risk, without testing initiating user's progress identity
Card, it can directly perform the step of user credit information is initiated in determination.
Certainly, in actual applications, it can also realize that authentication, credit determine using other modes, this specification pair
This is not particularly limited.
Step 106, if the credit information meets predetermined credit constraints, operation system performs and is directed to the use
The business by stages at family.
Based on abovementioned steps 104, operation system, can after the credit information of initiation user of credit system transmission is received
When credit information meets predetermined credit constraints, to perform the business by stages for the user.Wherein, the credit
Constraints can include credit scoring and be more than predetermined scoring etc..
For example, however, it is determined that the credit scoring for initiating user is more than predetermined scoring, and operation system can allow to initiate to use
The amount of money of this consumption of family payable by installment.
This specification credit system can determine the credit of service request initiation user by stages it can be seen from above description
Information, and the credit information is sent to operation system.Operation system can meet predetermined in the credit information for initiating user
During credit constraints, the business by stages for the user is performed, so as to realize efficiently business by stages to initiate user.This
Outside, the business by stages based on credit constraints, the bad debt risk of operation system can effectively be reduced.
Below to the tool of this specification so that operation system is commerce system, service request is monthly payment plan request by stages as an example
Body implementation process is described.
Fig. 2 is refer to, realizes that serial process may comprise steps of：
Step 202, initiate user and monthly payment plan request is initiated by initiating terminal.
In one example, when initiating user and descend the trade company to be consumed online, the scanning of the initiating terminals such as mobile phone can be used
The Quick Response Code that Xian Xia trade companies provide initiates monthly payment plan request.
In another example, user is initiated when trade company is consumed on line, can be by being provided in trade company's page
Monthly payment plan request is initiated in URL (Uniform Resource Locator, URL) links.
The information for initiating user, such as cell-phone number, user account etc., this theory are generally carried in the monthly payment plan request
Bright book is not particularly limited to this.
It should be noted that user and the interaction of credit system or operation system are initiated in this specification is generally all
Initiating terminal (for example, the client logged in based on initiation user account loaded in initiating terminal) and credit system or business system
The interaction of system, this specification are interacted with each system, subsequently no longer gone to live in the household of one's in-laws on getting married one by one for ease of description, simple referred to as initiation user
State.
Step 204, credit system obtains the user profile for initiating user.
In the present embodiment, credit system can obtain the information such as the user account for initiating user, subscriber phone number and make
For user profile.
Step 206, credit system determines to initiate the credit information of user.
In the present embodiment, the implementation that credit system determines to initiate the credit information of user may be referred to earlier figures 1
The step 104 of illustrated embodiment, this is no longer going to repeat them for the present embodiment.
Certainly, in the present embodiment, credit system can also be it is determined that test initiating user's progress identity before credit information
Card, the processing of this part are referred to the embodiment shown in Fig. 1 with realization, and this is no longer going to repeat them for this specification.
Step 208, the credit information for initiating user is sent to commerce system by credit system.
In the present embodiment, credit system can will initiate Client-initiated monthly payment plan request together with its credit information one
It is same to be sent to commerce system.Certainly, credit system can also asynchronous transmission monthly payment plan request and the credit information, this implementation
Example is not particularly limited to this.
If it is worth noting that, initiate user initiates monthly payment plan request by other systems, the system of initiation can should
Monthly payment plan request is sent to commerce system, and the present embodiment is not particularly limited to this.
Step 210, when credit information meets credit constraints, commerce system allows to initiate user's monthly payment plan.
Step 212, commerce system initiates the request of withholing for initiating user when reaching the monthly payment plan cycle.
So that credit information is credit scoring as an example, commerce system can be more than scoring threshold value in the credit scoring for initiating user
When, it is determined that the credit for initiating user is all right, contractual capacity is good, allows for initiating user's monthly payment plan, such as, it is allowed to
User enjoys first service or first obtains commodity, and subsequently when reaching the monthly payment plan cycle, initiating please for initiating withholing for user
Ask.
In practical implementations, when credit information meets credit constraints, commerce system, which can export, to be allowed to pay by stages
The prompt message of money, trade company staff can allow initiation user to enjoy first service according to the information or first obtain commodity.
As an example it is assumed that little Bai removes merchant purchasing mobile phone under line, the valency of selling of mobile phone is 3600 yuan.Little Bai scans trade company
The Quick Response Code of offer thinks application monthly payment plan, and credit system determines that little Bai credit scoring is 680 points, and the credit scoring, which is more than, to be commented
Point threshold value 650 is divided, and commerce system allows little Bai to pay by instalments, and mobile phone first can be consigned to little Bai by the shop-assistant of trade company.It is assumed that
The monthly payment plan time limit is 12 months, requires every month to refund 300 yuan, then commerce system can be in follow-up designated date every month
300 yuan of request of withholing is initiated for little Bai accounts.
It is worth noting that, above-mentioned monthly payment plan rule, such as monthly payment plan time limit, each issue of repayment amount can be by trade companies
Formulate, such as trade company can formulate a variety of monthly payment plan rules, be available for little Bai to select.Certainly, in some Payments Policies, also need
Small white rami is wanted to pay service charge of certain number etc., processing and the realization of this part may be referred to correlation technique, and this specification is herein
No longer repeat one by one.
On the other hand, serial realization generally also needs to little Bai mandate, for example, it is determined that little Bai credit scoring
More than scoring threshold value, when can pay by instalments, authorization requests are exported to little Bai, if little Bai confirms the authorization requests, can be held
Row monthly payment plan.Wherein, the output of authorization requests can be realized by credit system, can also be realized by commerce system, this
Specification is not particularly limited to this.
In addition, in another example, serial time limit and allow serial total amount can also and little Bai
Credit scoring positive correlation.For example, little Bai credit scoring is higher, serial time limit is longer；Little Bai credit scoring is got over
It is high, it is allowed to which that the serial total amounts of little Bai are more high.Above-mentioned serial time limit and allow serial total amount with
The relation of credit scoring can be configured by trade company, and this specification is not particularly limited to this.
If it should be noted that determined to allow serial total amount to be less than selling for mobile phone according to little Bai credit scoring
Valency, such as, it is allowed to serial total amount is 3000 yuan, less than 3600 yuan of mobile phone price, then usually requires little Bai and first pays
600 yuan of the difference of mobile phone price and monthly payment plan total amount.
Step 214, commerce system sends notice of withholing to initiation user after successfully withholing.
Based on abovementioned steps 212, commerce system subsequently after withholing successfully, can send withhold notice to initiate user,
For example, after successfully deduction little Bai bought 300 yuan of mobile phone on 15th in every month, notice of withholing can be sent to little Bai.
In one example, the situation of withholing can also be sent to credit by commerce system or payment system (platform of withholing)
System, so that credit system updates the credit information of initiation user.
For example, credit system can successfully complete in the payable by installment time limit it is all withhold after, forward direction renewal is initiated to use
Credit scoring of user etc. is initiated in the credit information at family, corresponding increase.
In another example credit system can be after once or several times withholing not successfully, the credit of user is initiated in forward direction renewal
Information etc. is corresponding to reduce credit scoring for initiating user etc..
User is initiated in the present embodiment it can be seen from above description to be sent out on line or under line during shopping/consumption
Monthly payment plan request is played, trade company can be when the credit information for initiating user meets credit constraints, it is allowed to initiates user elder generation
Obtain and commodity or enjoy first service, subsequently payable by installment correlative charges again.For initiating user, without submitting cumbersome material
Material, it is convenient to realize, experience is preferable；For trade company, fiduciary monthly payment plan can attract consumer's message, and can have
Effect reduces the loss on bad debt of trade company, it is ensured that trade company's interests.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification is additionally provided based on letter
With the embodiment for realizing the device of business by stages.
This specification realizes that the embodiment of the device of business by stages can be applied on the server based on credit.The device is real
Applying example can be realized by software, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, make
It is by corresponding calculating in nonvolatile memory by the processor of server where it for the device on a logical meaning
Machine programmed instruction reads what operation in internal memory was formed.For hardware view, as shown in figure 3, being based on credit for this specification
A kind of hardware structure diagram of server where the device of business by stages is realized, except the processor shown in Fig. 3, internal memory, network connect
Mouthful and nonvolatile memory outside, server in embodiment where device generally according to the server actual functional capability,
Other hardware can also be included, this is repeated no more.
Fig. 4 is a kind of frame that the device of business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Figure.
Fig. 4 is refer to, it is described to realize that the device 300 of business by stages is applied in the clothes shown in earlier figures 3 based on credit
It is engaged in device, includes：Information acquisition unit 301, credit determining unit 302, the first authentication unit 303, the second authentication unit 304
And credit updating block 305.
Wherein, information acquisition unit 301, the user profile of the initiating terminal owning user of service request by stages is obtained；
Credit determining unit 302, the credit information of the user is determined according to the user profile, and the credit is believed
Breath is sent to operation system, and so that operation system is when the credit information meets predetermined credit constraints, execution is directed to
The business by stages of the user.
First authentication unit 303, receive the service request by stages of initiating terminal transmission；
Authentication is carried out to the initiating terminal owning user based on authentication policy；
It is determined that initiating terminal owning user by authentication after, perform the use for obtaining the initiating terminal owning user
The step of family information.
Second authentication unit 304, authentication is carried out to the initiating terminal owning user based on authentication policy；
The credit determining unit 302, according to determining the authentication result of the user and the user profile
The credit information of user.
Optionally, the authentication policy includes the one or more in following authentication policy：
Phone number authentication policy, facial image authentication policy, address information authentication policy.
Credit updating block 305, after by stages business of the operation system successful execution for the user, forward direction renewal institute
State the credit information of user；After operation system fails and performs the business by stages for the user, described in negative sense renewal
The credit information of user.
Optionally, the service request by stages is monthly payment plan request.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification is additionally provided based on letter
With the embodiment for realizing the device of business by stages.
This specification realizes that the embodiment of the device of business by stages can be applied on the server based on credit.The device is real
Applying example can be realized by software, can also be realized by way of hardware or software and hardware combining.Exemplified by implemented in software, make
It is by corresponding calculating in nonvolatile memory by the processor of server where it for the device on a logical meaning
Machine programmed instruction reads what operation in internal memory was formed.For hardware view, as shown in figure 5, being based on credit for this specification
A kind of hardware structure diagram of server where the device of business by stages is realized, except the processor shown in Fig. 5, internal memory, network connect
Mouthful and nonvolatile memory outside, server in embodiment where device generally according to the server actual functional capability,
Other hardware can also be included, this is repeated no more.
Fig. 6 is a kind of frame that the device of business by stages is realized based on credit shown in the exemplary embodiment of this specification one
Figure.
Fig. 6 is refer to, it is described to realize that the device 500 of business by stages is applied in the clothes shown in earlier figures 5 based on credit
It is engaged in device, includes：Credit receiving unit 501 and business execution unit 502.
Wherein, credit receiving unit 501, the initiating terminal owning user for the service request by stages that credit system is sent is received
Credit information；
Business execution unit 502, if the credit information meets predetermined credit constraints, execution is directed to the use
The business by stages at family.
Optionally, the business execution unit 502, when reaching the execution time point of business by stages, initiate for described
The resource scheduling request of user.
Optionally, the resource scheduling request transfers amount and the credit information positive correlation.
The function of unit and the implementation process of effect specifically refer to and step are corresponded in the above method in said apparatus
Implementation process, it will not be repeated here.
For device embodiment, because it corresponds essentially to embodiment of the method, so related part is real referring to method
Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component
The unit of explanation can be or may not be physically separate, can be as the part that unit is shown or can also
It is not physical location, you can with positioned at a place, or can also be distributed on multiple NEs.Can be according to reality
Need to select some or all of module therein to realize the purpose of this specification scheme.Those of ordinary skill in the art are not
In the case of paying creative work, you can to understand and implement.
System, device, module or the unit that above-described embodiment illustrates, it can specifically be realized by computer chip or entity,
Or realized by the product with certain function.One kind typically realizes that equipment is computer, and the concrete form of computer can
To be personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet PC, wearable device or these equipment
The combination of any several equipment.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification also provides another base
The device of business by stages is realized in credit, should realize that the device of business by stages included based on credit：Processor and for storing
The memory of machine-executable instruction.Wherein, processor and memory are generally connected with each other by internal bus.May at other
Implementation in, the equipment is also possible that external interface, can be communicated with other equipment or part.
In the present embodiment, by reading and performing the control with realizing business by stages based on credit of the memory storage
Machine-executable instruction corresponding to logic processed, the processor are prompted to：
Obtain the user profile of the initiating terminal owning user of service request by stages；
The credit information of the user is determined according to the user profile, and the credit information is sent to business system
System, so that operation system is when the credit information meets predetermined credit constraints, perform for the user by stages
Business.
Optionally, by reading and performing the control logic with realizing business by stages based on credit of the memory storage
Corresponding machine-executable instruction, the processor are also prompted to：
Receive the service request by stages of initiating terminal transmission；
Authentication is carried out to the initiating terminal owning user based on authentication policy；
It is determined that initiating terminal owning user by authentication after, perform the use for obtaining the initiating terminal owning user
The step of family information.
Optionally, by reading and performing the control logic with realizing business by stages based on credit of the memory storage
Corresponding machine-executable instruction, the processor are also prompted to：
Authentication is carried out to the initiating terminal owning user based on authentication policy；
The credit information that the user is determined according to the user profile, including：
The credit information of the user is determined according to the authentication result of the user and the user profile.
Optionally, the authentication policy includes the one or more in following authentication policy：
Phone number authentication policy, facial image authentication policy, address information authentication policy.
Optionally, by reading and performing the control logic with realizing business by stages based on credit of the memory storage
Corresponding machine-executable instruction, the processor are also prompted to：
After by stages business of the operation system successful execution for the user, forward direction updates the credit letter of the user
Breath；
After operation system fails and performs the business by stages for the user, negative sense updates the credit of the user
Information.
Optionally, the service request by stages is monthly payment plan request.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification also provides another base
The device of business by stages is realized in credit, should realize that the device of business by stages included based on credit：Processor and for storing
The memory of machine-executable instruction.Wherein, processor and memory are generally connected with each other by internal bus.May at other
Implementation in, the equipment is also possible that external interface, can be communicated with other equipment or part.
In the present embodiment, by reading and performing the control with realizing business by stages based on credit of the memory storage
Machine-executable instruction corresponding to logic processed, the processor are prompted to：
Receive the credit information of the initiating terminal owning user for the service request by stages that credit system is sent；
If the credit information meets predetermined credit constraints, the business by stages for the user is performed.
Optionally, when performing the business by stages for the user, the processor is prompted to：
When reaching the execution time point of business by stages, the resource scheduling request for the user is initiated.
Optionally, the resource scheduling request transfers amount and the credit information positive correlation.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification also provides a kind of calculating
Machine readable storage medium storing program for executing, computer program is stored with the computer-readable recording medium, when the program is executed by processor
Realize following steps：
Obtain the user profile of the initiating terminal owning user of service request by stages；
The credit information of the user is determined according to the user profile, and the credit information is sent to business system
System, so that operation system is when the credit information meets predetermined credit constraints, perform for the user by stages
Business.
Optionally, in addition to：
Receive the service request by stages of initiating terminal transmission；
Authentication is carried out to the initiating terminal owning user based on authentication policy；
It is determined that initiating terminal owning user by authentication after, perform the use for obtaining the initiating terminal owning user
The step of family information.
Optionally, in addition to：
Authentication is carried out to the initiating terminal owning user based on authentication policy；
The credit information that the user is determined according to the user profile, including：
The credit information of the user is determined according to the authentication result of the user and the user profile.
Optionally, the authentication policy includes the one or more in following authentication policy：
Phone number authentication policy, facial image authentication policy, address information authentication policy.
Optionally, in addition to：
After by stages business of the operation system successful execution for the user, forward direction updates the credit letter of the user
Breath；
After operation system fails and performs the business by stages for the user, negative sense updates the credit of the user
Information.
Optionally, the service request by stages is monthly payment plan request.
Realize that the embodiment of the method for business by stages is corresponding based on credit with foregoing, this specification also provides a kind of calculating
Machine readable storage medium storing program for executing, computer program is stored with the computer-readable recording medium, when the program is executed by processor
Realize following steps：
Receive the credit information of the initiating terminal owning user for the service request by stages that credit system is sent；
If the credit information meets predetermined credit constraints, the business by stages for the user is performed.
Optionally, the business by stages performed for the user, including：
When reaching the execution time point of business by stages, the resource scheduling request for the user is initiated.
Optionally, the resource scheduling request transfers amount and the credit information positive correlation.
It is above-mentioned that this specification specific embodiment is described.Other embodiments are in the scope of the appended claims
It is interior.In some cases, the action recorded in detail in the claims or step can be come according to different from the order in embodiment
Perform and still can realize desired result.In addition, the process described in the accompanying drawings not necessarily require show it is specific suitable
Sequence or consecutive order could realize desired result.In some embodiments, multitasking and parallel processing be also can
With or be probably favourable.
The preferred embodiment of this specification is the foregoing is only, it is all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution and improvements done etc., the model of this specification protection should be included in
Within enclosing.
Claims (17)
1. a kind of method that business by stages is realized based on credit, including：
Credit system obtains the user profile of the initiating terminal owning user of service request by stages；
Credit system determines the credit information of the user according to the user profile, and the credit information is sent into business
System；
If the credit information meets predetermined credit constraints, operation system performs the industry by stages for the user
Business.
2. the method according to claim 11, in addition to：
Credit system receives the service request by stages of initiating terminal transmission；
Credit system is based on authentication policy and carries out authentication to the initiating terminal owning user；
Credit system it is determined that initiating terminal owning user by authentication after, perform and obtain the initiating terminal owning user
User profile the step of.
3. the method according to claim 11, in addition to：
Credit system is based on authentication policy and carries out authentication to the initiating terminal owning user；
The credit system determines the credit information of the user according to the user profile, including：
Credit system determines the credit information of the user according to the authentication result and the user profile of the user.
4. according to the method in claim 2 or 3, the authentication policy includes the one or more in following authentication policy：
Phone number authentication policy, facial image authentication policy, address information authentication policy.
5. according to the method for claim 1, the operation system performs the business by stages for the user, including：
Operation system initiates the resource scheduling request for the user when reaching the execution time point of business by stages.
6. according to the method for claim 5,
The resource scheduling request transfers amount and the credit information positive correlation.
7. the method according to claim 11, in addition to：
For credit system after by stages business of the operation system successful execution for the user, forward direction updates the credit of the user
Information；
For credit system after operation system fails and performs the business by stages for the user, negative sense updates the user's
Credit information.
8. according to the method for claim 1,
The service request by stages is monthly payment plan request.
9. a kind of method that business by stages is realized based on credit, including：
Obtain the user profile of the initiating terminal owning user of service request by stages；
The credit information of the user is determined according to the user profile, and the credit information is sent to operation system, with
For operation system when the credit information meets predetermined credit constraints, the business by stages for the user is performed.
10. the method according to claim 11, in addition to：
Receive the service request by stages of initiating terminal transmission；
Authentication is carried out to the initiating terminal owning user based on authentication policy；
It is determined that initiating terminal owning user by authentication after, perform the user's letter for obtaining the initiating terminal owning user
The step of breath.
11. the method according to claim 11, in addition to：
Authentication is carried out to the initiating terminal owning user based on authentication policy；
The credit information that the user is determined according to the user profile, including：
The credit information of the user is determined according to the authentication result of the user and the user profile.
12. the method according to claim 10 or 11, the authentication policy includes one kind or more in following authentication policy
Kind：
Phone number authentication policy, facial image authentication policy, address information authentication policy.
13. the method according to claim 11, in addition to：
After by stages business of the operation system successful execution for the user, forward direction updates the credit information of the user；
After operation system fails and performs the business by stages for the user, negative sense updates the credit letter of the user
Breath.
14. according to the method for claim 9,
The service request by stages is monthly payment plan request.
15. a kind of method that business by stages is realized based on credit, including：
Receive the credit information of the initiating terminal owning user for the service request by stages that credit system is sent；
If the credit information meets predetermined credit constraints, the business by stages for the user is performed.
16. according to the method for claim 15, the business by stages performed for the user, including：
When reaching the execution time point of business by stages, the resource scheduling request for the user is initiated.
17. according to the method for claim 16,
The resource scheduling request transfers amount and the credit information positive correlation.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710948357.6A CN107833037A (en) | 2017-10-12 | 2017-10-12 | A kind of method that business by stages is realized based on credit |
| TW107128023A TW201915894A (en) | 2017-10-12 | 2018-08-10 | Method for realizing an installment business based on credit |
| PCT/CN2018/101533 WO2019072024A1 (en) | 2017-10-12 | 2018-08-21 | Credit-based installment service implementation method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710948357.6A CN107833037A (en) | 2017-10-12 | 2017-10-12 | A kind of method that business by stages is realized based on credit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107833037A true CN107833037A (en) | 2018-03-23 |
Family
ID=61647843
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710948357.6A Pending CN107833037A (en) | 2017-10-12 | 2017-10-12 | A kind of method that business by stages is realized based on credit |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN107833037A (en) |
| TW (1) | TW201915894A (en) |
| WO (1) | WO2019072024A1 (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109064282A (en) * | 2018-07-27 | 2018-12-21 | 阿里巴巴集团控股有限公司 | Method for processing business, apparatus and system |
| WO2019072024A1 (en) * | 2017-10-12 | 2019-04-18 | 阿里巴巴集团控股有限公司 | Credit-based installment service implementation method |
| CN110675162A (en) * | 2019-09-09 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Contract processing method, device and equipment |
| CN110910113A (en) * | 2018-09-18 | 2020-03-24 | 深圳友朋智能商业科技有限公司 | Payment system for vending machine |
| CN111190705A (en) * | 2019-12-31 | 2020-05-22 | 支付宝(杭州)信息技术有限公司 | Task processing method and device |
| CN111915289A (en) * | 2020-08-07 | 2020-11-10 | 北京云从科技有限公司 | Commodity transaction method, system, platform, equipment and medium based on face recognition |
| WO2020258941A1 (en) * | 2019-06-28 | 2020-12-30 | 华为技术有限公司 | Method for data ownership confirmation based on blockchain network, and related apparatus |
Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI774991B (en) * | 2019-09-19 | 2022-08-21 | 臺灣行動支付股份有限公司 | Electronic transaction staging system using two-dimensional code and data processing method |
| KR102354858B1 (en) | 2021-03-03 | 2022-02-08 | 쿠팡 주식회사 | Electronic apparatus for processing item sales information and method thereof |
| TWI801034B (en) * | 2021-12-13 | 2023-05-01 | 台灣萬事達金流股份有限公司 | Automated installment management method and system thereof |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB0002499D0 (en) * | 2000-02-03 | 2000-03-29 | Ge Information Systems Ltd | A transaction processing system |
| US20020123949A1 (en) * | 2000-12-15 | 2002-09-05 | Vanleeuwen Michael J. | System and method for financial management and analysis |
| CN101021959B (en) * | 2006-02-14 | 2010-09-15 | 中国银联股份有限公司 | Transaction handling system and transaction handling method based on installment plan business |
| CN106408413A (en) * | 2016-09-23 | 2017-02-15 | 快睿登信息科技（上海）有限公司 | Multi-cycle installment decision making method and system |
| CN107833037A (en) * | 2017-10-12 | 2018-03-23 | 阿里巴巴集团控股有限公司 | A kind of method that business by stages is realized based on credit |
-
2017
- 2017-10-12 CN CN201710948357.6A patent/CN107833037A/en active Pending
-
2018
- 2018-08-10 TW TW107128023A patent/TW201915894A/en unknown
- 2018-08-21 WO PCT/CN2018/101533 patent/WO2019072024A1/en active Application Filing
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019072024A1 (en) * | 2017-10-12 | 2019-04-18 | 阿里巴巴集团控股有限公司 | Credit-based installment service implementation method |
| CN109064282A (en) * | 2018-07-27 | 2018-12-21 | 阿里巴巴集团控股有限公司 | Method for processing business, apparatus and system |
| CN110910113A (en) * | 2018-09-18 | 2020-03-24 | 深圳友朋智能商业科技有限公司 | Payment system for vending machine |
| WO2020258941A1 (en) * | 2019-06-28 | 2020-12-30 | 华为技术有限公司 | Method for data ownership confirmation based on blockchain network, and related apparatus |
| CN110675162A (en) * | 2019-09-09 | 2020-01-10 | 阿里巴巴集团控股有限公司 | Contract processing method, device and equipment |
| CN111190705A (en) * | 2019-12-31 | 2020-05-22 | 支付宝(杭州)信息技术有限公司 | Task processing method and device |
| CN111190705B (en) * | 2019-12-31 | 2023-08-15 | 支付宝(杭州)信息技术有限公司 | Task processing method and device |
| CN111915289A (en) * | 2020-08-07 | 2020-11-10 | 北京云从科技有限公司 | Commodity transaction method, system, platform, equipment and medium based on face recognition |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201915894A (en) | 2019-04-16 |
| WO2019072024A1 (en) | 2019-04-18 |
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