CN111369347A

CN111369347A - Service processing method, device, equipment and storage medium

Info

Publication number: CN111369347A
Application number: CN202010187536.4A
Authority: CN
Inventors: 戴明燃; 高国强; 叶方明
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2020-03-17
Filing date: 2020-03-17
Publication date: 2020-07-03

Abstract

The application discloses a service processing method, a service processing device, service processing equipment and a storage medium. The method comprises the following steps: receiving target credit card transaction information sent by a first terminal; determining target transaction conditions based on the transaction conditions indicated by the accounting features in the accounting feature set, and taking the accounting features corresponding to the target transaction conditions as target accounting features; determining a target accounting sub-account in the target candidate accounting sub-accounts indicated by the target accounting characteristics; generating target accounting data corresponding to the target credit card transaction information, and recording the target accounting data in a target accounting sub-account; and acquiring a target bill corresponding to the target billing sub-account, and sending the target bill to the second terminal. In the process, the server can record different accounting data generated based on the credit card transaction information matched with different transaction conditions in different accounting sub-accounts, the different credit card transaction information can enjoy different bill days and repayment days, and the processing process of the credit card transaction business is flexible.

Description

Service processing method, device, equipment and storage medium

Technical Field

The embodiment of the application relates to the technical field of internet, in particular to a service processing method, a service processing device, service processing equipment and a storage medium.

Background

With the continuous development of economy and the continuous improvement of living standard of people, more and more users use credit cards to conduct transactions. The credit card is issued to the user by an issuing organization such as a bank or a credit card company according to the credit degree and the financial capacity of the user, and the user can pay before consuming the credit card when using the credit card for transaction, thereby enjoying the interest-free period.

In the related art, a server of a card issuing institution establishes a billing account for each user, sets an account date and a payment date for the billing account, and then processes a credit card transaction service of the user based on the billing account. In the service processing process, the account date and the repayment date are set as account layer parameters, all credit card transaction information generated by using the credit card for transaction corresponds to the same account date and repayment date under the account keeping account, the flexibility of the processing process of the credit card transaction service is poor, and the development of credit card marketing activities is difficult to support.

Disclosure of Invention

The embodiment of the application provides a service processing method, a service processing device, service processing equipment and a storage medium, which can be used for solving the problems in the related art. The technical scheme is as follows:

in one aspect, an embodiment of the present application provides a service processing method, where the method includes:

the first terminal sends target credit card information of a target user to the server;

the server receives target credit card transaction information of a target user, which is sent by the first terminal;

the server determines target transaction conditions matched with the target credit card transaction information based on the transaction conditions indicated by the accounting features in the accounting feature set, the accounting features corresponding to the target transaction conditions are used as target accounting features, the accounting feature set is constructed based on initial account days and initial repayment days corresponding to a plurality of accounting sub-accounts, the accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating the corresponding relation between the transaction conditions and the candidate accounting sub-accounts;

the server determines a target accounting sub-account corresponding to the target credit card transaction information in target candidate accounting sub-accounts indicated by the target accounting characteristics;

the server generates target accounting data corresponding to the target credit card transaction information, and records the target accounting data in the target accounting sub-account;

in response to the current bill day corresponding to the target account keeping sub-account, the server acquires a target bill corresponding to the target account keeping sub-account and sends the target bill to a second terminal;

and the second terminal receives the target bill sent by the server and displays the target bill.

The service processing method is applied to the server and comprises the following steps:

receiving target credit card transaction information of a target user sent by a first terminal;

determining target transaction conditions matched with the target credit card transaction information based on transaction conditions indicated by all the accounting features in the accounting feature set, taking the accounting features corresponding to the target transaction conditions as target accounting features, wherein the accounting feature set is constructed based on initial billing days and initial repayment days corresponding to a plurality of accounting sub-accounts, the accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating the corresponding relation between the transaction conditions and the candidate accounting sub-accounts;

determining a target accounting sub-account corresponding to the target credit card transaction information in the target candidate accounting sub-accounts indicated by the target accounting characteristics;

generating target accounting data corresponding to the target credit card transaction information, and recording the target accounting data in the target accounting sub-account;

and responding to the current bill day corresponding to the target account keeping sub-account, acquiring a target bill corresponding to the target account keeping sub-account, and sending the target bill to a second terminal.

Optionally, before determining the target transaction condition matching the target credit card transaction information based on the transaction conditions indicated by each billing feature in the set of billing features, the method further comprises:

establishing a plurality of accounting sub-accounts under a target accounting account of a target user;

setting an initial bill date and an initial repayment date for each bookkeeping sub-account respectively;

and constructing an accounting feature set based on the initial bill date and the initial repayment date corresponding to each accounting sub-account.

Optionally, the constructing an accounting feature set based on the initial invoice date and the initial repayment date corresponding to each accounting sub-account includes:

determining a free period corresponding to each accounting sub-account based on the initial bill date and the initial repayment date corresponding to each accounting sub-account;

constructing a plurality of accounting features based on the interest-free period corresponding to each accounting sub-account;

the set of the plurality of billing features is taken as a set of billing features.

Optionally, after the construction of the accounting feature set based on the initial billing date and the initial repayment date corresponding to each accounting sub-account, the method further includes:

receiving a bill day change request of the target user to any one of the bookkeeping sub-accounts, wherein the bill day change request comprises a target bill day;

changing the bill day corresponding to any one of the account keeping sub-accounts from the initial bill day to the target bill day;

and determining a target repayment date corresponding to the target account bill date based on the interest-free period corresponding to any one of the bookkeeping sub-accounts, and changing the repayment date corresponding to any one of the bookkeeping sub-accounts from the initial repayment date to the target repayment date.

Optionally, the generating target billing data corresponding to the target credit card transaction information comprises:

analyzing the target credit card transaction information to obtain a target transaction type corresponding to the target credit card transaction information;

determining a target accounting data structure corresponding to the target transaction type based on the corresponding relationship between the transaction type and the accounting data structure;

and generating target accounting data corresponding to the target credit card transaction information according to the target accounting data structure.

Optionally, the determining, by the target credit card transaction information, a target accounting sub-account corresponding to the target credit card transaction information, among the target candidate accounting sub-accounts indicated by the target accounting feature, includes:

acquiring a current account list day corresponding to each target candidate account keeping sub-account;

determining an interval period corresponding to each target candidate bookkeeping sub-account based on the current bill day and the transaction date corresponding to each target candidate bookkeeping sub-account;

and taking the target candidate accounting sub-account corresponding to the longest interval period in the interval periods corresponding to the target candidate accounting sub-accounts as the target accounting sub-account corresponding to the target credit card transaction information.

Optionally, the obtaining a target bill corresponding to the target billing sub-account in response to reaching the current bill day corresponding to the target billing sub-account includes:

and in response to the current bill day corresponding to the target account keeping sub-account, summarizing the account keeping data meeting the conditions in the target account keeping sub-account to obtain the target bill corresponding to the target account keeping sub-account.

In another aspect, a service processing apparatus is provided, where the apparatus is applied to a server, and the apparatus includes:

the receiving module is used for receiving the target credit card transaction information of the target user sent by the first terminal;

the determining module is used for determining target transaction conditions matched with the target credit card transaction information based on the transaction conditions indicated by the accounting features in the accounting feature set, the accounting features corresponding to the target transaction conditions are used as target accounting features, the accounting feature set is constructed based on initial account days and initial repayment days corresponding to a plurality of accounting sub-accounts, the accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating the corresponding relation between the transaction conditions and the candidate accounting sub-accounts;

the determining module is further used for determining a target accounting sub-account corresponding to the target credit card transaction information in the target candidate accounting sub-accounts indicated by the target accounting characteristics;

the generating module is used for generating target accounting data corresponding to the target credit card transaction information;

a recording module for recording the target accounting data in the target accounting sub-account;

the acquisition module is used for responding to the current bill date corresponding to the target accounting sub-account and acquiring a target bill corresponding to the target accounting sub-account;

and the sending module is used for sending the target bill to a second terminal.

Optionally, the apparatus further comprises:

the establishing module is used for establishing a plurality of accounting sub-accounts under the target accounting account of the target user;

the setting module is used for respectively setting an initial account list day and an initial repayment day for each account keeping sub-account;

and the construction module is used for constructing an accounting feature set based on the initial account list date and the initial repayment date corresponding to each accounting sub-account.

Optionally, the construction module is further configured to determine a free period corresponding to each accounting sub-account based on an initial invoice date and an initial repayment date corresponding to each accounting sub-account; constructing a plurality of accounting features based on the interest-free period corresponding to each accounting sub-account; the set of the plurality of billing features is taken as a set of billing features.

Optionally, the receiving module is further configured to receive a request for changing a billing day of any billing sub-account by the target user, where the request for changing the billing day includes a target billing day;

the device further comprises:

a change module, configured to change the billing day corresponding to any one of the account bookings from the initial billing day to the target billing day;

the change module is further used for determining a target repayment date corresponding to the target account list date based on the interest-free period corresponding to any one of the bookkeeping sub-accounts and changing the repayment date corresponding to any one of the bookkeeping sub-accounts from the initial repayment date to the target repayment date.

Optionally, the generating module is configured to analyze the target credit card transaction information to obtain a target transaction type corresponding to the target credit card transaction information; determining a target accounting data structure corresponding to the target transaction type based on the corresponding relationship between the transaction type and the accounting data structure; and generating target accounting data corresponding to the target credit card transaction information according to the target accounting data structure.

Optionally, the target credit card transaction information includes transaction dates, the number of the target candidate billing sub-accounts is multiple, and the determining module is further configured to obtain a current billing date corresponding to each target candidate billing sub-account; determining an interval period corresponding to each target candidate bookkeeping sub-account based on the current bill day and the transaction date corresponding to each target candidate bookkeeping sub-account; and taking the target candidate accounting sub-account corresponding to the longest interval period in the interval periods corresponding to the target candidate accounting sub-accounts as the target accounting sub-account corresponding to the target credit card transaction information.

Optionally, the obtaining module is further configured to, in response to a current billing day corresponding to the target billing sub-account, perform summary processing on the billing data meeting the condition in the target billing sub-account, so as to obtain a target bill corresponding to the target billing sub-account.

In another aspect, a computer device is provided, which includes a processor and a memory, where at least one program code is stored in the memory, and the at least one program code is loaded and executed by the processor to implement any of the above-mentioned service processing methods.

In another aspect, a computer-readable storage medium is provided, where at least one program code is stored, and the at least one program code is loaded and executed by a processor to implement any of the above-mentioned service processing methods.

The technical scheme provided by the embodiment of the application at least has the following beneficial effects:

each accounting feature in the accounting feature set is constructed according to an initial billing date and an initial payment date corresponding to a plurality of accounting sub-accounts, and each accounting feature indicates a transaction condition and a candidate accounting sub-account corresponding to the transaction condition. Thus, the server may record different accounting data generated based on credit card transaction information matching different transaction conditions in different accounting sub-accounts according to respective accounting features in the accounting feature set. Because different account keeping sub-accounts can correspond to different account list days and repayment days, different credit card transaction information can enjoy different account list days and repayment days, the processing process of the credit card transaction business is flexible, and the use convenience of the credit card is improved.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a diagram illustrating a credit card account model in a related art according to an embodiment of the present application;

fig. 2 is a schematic diagram of an implementation environment of a service processing method according to an embodiment of the present application;

fig. 3 is a flowchart of a service processing method according to an embodiment of the present application;

FIG. 4 is a diagram of a credit card account model of a target user according to an embodiment of the present application;

FIG. 5 is a schematic diagram of a process for processing credit card transaction services based on a billing engine according to an embodiment of the application;

fig. 6 is a flowchart of a service processing method according to an embodiment of the present application;

fig. 7 is a schematic diagram of a service processing apparatus according to an embodiment of the present application;

fig. 8 is a schematic diagram of a service processing apparatus according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of a service processing device according to an embodiment of the present application.

Detailed Description

To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.

In the related art, a server of a card issuing institution establishes a billing account for each user, sets an account date and a payment date for the billing account, and then processes a credit card transaction service of the user based on the billing account. In the service processing process, the account list date and the repayment date are set as account layer parameters, a plurality of credit cards issued by the card issuing mechanism held by each user have the same bill date and repayment date under the bookkeeping account, the flexibility of the processing process of the credit card transaction service is poor, the development of credit card marketing activities is difficult to support, and the use convenience of the credit card is poor.

In the related art, in order to make the transaction of a user in a specific cooperative merchant enjoy the benefit of the ultra-long free period, the card issuing organization needs the user to issue a dedicated credit card, and then a server establishes a dedicated account with the ultra-long free period for the user. And accounting is carried out on the transaction of the specific cooperative merchant by the user using the exclusive credit card in the exclusive account, so that the user can enjoy the preferential interest of the ultra-long free period. In the process of processing credit card transaction services of a plurality of specific cooperative merchants, a plurality of exclusive credit cards need to be issued and a plurality of exclusive accounts need to be set, so that the operation cost is high, the processing efficiency of the credit card transaction services is low, and the user experience is poor.

A credit card account model in the related art is shown in fig. 1, and in the credit card account model shown in fig. 1, two accounting accounts, i.e., a renminbi accounting account and a dollar accounting account, are set for a user to support transactions of different currencies, and n (an integer not less than 1) credit cards of the user have the same billing date and repayment date in any one of the accounting accounts. Wherein the RMB accounting account is used for processing the trade of RMB, and the USD accounting account is used for processing the trade of other currencies except RMB. In addition, two special accounting accounts are also arranged, and the special accounting account 1 is used for specially processing the transaction at a specific merchant by using the special credit card 1; the dedicated accounting account 2 is used to exclusively process transactions at another specific merchant using the dedicated credit card 2. If the user wants to support the transaction of other specific merchants, an additional dedicated accounting account needs to be set and an additional dedicated credit card needs to be issued, so that the operation cost is high.

In view of this, an embodiment of the present application provides a service processing method, please refer to fig. 2, which shows a schematic diagram of an implementation environment of the service processing method provided in the embodiment of the present application. The implementation environment may include: a first terminal 21, a server 22 and a second terminal 23.

The first terminal 21 may obtain credit card transaction information of the user, and send the credit card transaction information of the user to the server 22 for billing processing. The server 22 may be a server of a card issuing institution, which may be a bank, a credit card company, or the like. The server 22 may construct a billing feature set according to the billing date and the repayment date corresponding to the plurality of billing sub-accounts; the server 22 can also perform accounting processing on the credit card transaction information of the user sent by the first terminal 21 in a plurality of accounting sub-accounts according to the constructed accounting feature set; the server 22 may also obtain a bill corresponding to the billing sub-account and send the bill to the second terminal 23. The second terminal 23 can receive the bill sent by the server 22, and display the bill to the user for payment.

Alternatively, the first terminal 21 and the second terminal 23 may be any electronic product capable of performing man-machine interaction with a user through one or more modes of a keyboard, a touch pad, a touch screen, a remote controller, voice interaction or handwriting equipment, such as a PC (Personal Computer), a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a wearable device, a pocket PC (pocket PC), a tablet Computer, a smart car machine, a smart television, a smart sound box, and the like. The first terminal 21 and the second terminal 23 may be the same terminal or different terminals. The server 22 may be a server, a server cluster composed of a plurality of servers, or a cloud computing service center. The first terminal 21 establishes a communication connection with the server 22 through a wired or wireless network, and the second terminal 23 establishes a communication connection with the server 22 through a wired or wireless network.

It should be understood by those skilled in the art that the first terminal 21, the server 22 and the second terminal 23 are only examples, and other existing or future terminals or servers may be included within the scope of the present application, if applicable, and are herein incorporated by reference.

Based on the implementation environment shown in fig. 2, the embodiment of the present application provides a service processing method, which is applied to a server as an example. As shown in fig. 3, the method provided by the embodiment of the present application may include the following steps:

in step 301, target credit card transaction information of a target user sent by a first terminal is received.

The target credit card transaction information refers to any credit card transaction information of the target user. Credit card transaction information refers to information generated when a merchant conducts a transaction using a credit card. The embodiment of the present application does not limit the transaction mode performed by using the credit card at the merchant, for example, the credit card may be used to perform an off-line payment transaction at the merchant, the credit card may be used to perform an on-line payment transaction at the merchant, and the credit card may be used to perform a cash withdrawal transaction at the merchant. The credit card transaction information may include information of a credit card, information of a merchant, a transaction amount, a transaction type, a transaction date, and the like. Each credit card transaction information may indicate a transaction condition indicating which merchant has made the transaction with which credit card.

The first terminal is a terminal capable of generating credit card transaction information, and the first terminal may be different according to a generation route of the target credit card transaction information. Illustratively, the first terminal is a terminal of the target user when the target credit card transaction information is generated in a process of performing an online payment transaction with the terminal of the target user; when the target credit card transaction information is generated in the process of performing off-line payment transaction by using the card swiping terminal of the merchant, the first terminal is the card swiping terminal of the merchant; when the target credit card transaction information is generated in the process of performing online payment transaction by using the self-service terminal, the first terminal is the self-service terminal. After the first terminal generates the target credit card transaction information of the target user, the first terminal sends the target credit card transaction information to the server, and the server receives the target credit card transaction information of the target user sent by the first terminal.

In step 302, a target transaction condition matching the target credit card transaction information is determined based on the transaction conditions indicated by the respective accounting features in the accounting feature set, and the accounting feature corresponding to the target transaction condition is used as the target accounting feature.

The accounting feature set is constructed and obtained on the basis of initial account days and initial repayment days corresponding to the plurality of accounting sub-accounts. The accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating the corresponding relation between the transaction conditions and the candidate accounting sub-account. The description of the billing feature set is described in the following steps a to C, and will not be repeated herein.

After the target credit card transaction information is obtained, the target credit card transaction information is compared with the transaction conditions indicated by the accounting features in the accounting feature set until the target transaction conditions matched with the target credit card transaction information are determined, and the accounting features corresponding to the target transaction conditions are used as the target accounting features. The transaction condition is matched with the target credit card transaction information, which means that the transaction condition is consistent with the transaction condition indicated by the target credit card transaction information.

Illustratively, assuming that the accounting feature set includes 3 accounting features, the three accounting features indicate the transaction conditions as follows:

billing feature 1 indicates the transaction conditions as: using any credit card (credit card 1, credit card 2 or credit card 3) to conduct a transaction in merchant a;

the accounting feature 2 indicates the transaction conditions as: conducting a transaction in merchant B using credit card 1 or credit card 3;

the accounting feature 3 indicates the transaction conditions as: transactions are conducted at merchants other than merchant a and merchant B using credit card 1 or credit card 3, or transactions are conducted at merchants other than merchant a using credit card 2.

Assuming that the transaction situation indicated by the target credit card transaction information is a transaction conducted in merchant B using credit card 1, it may be determined that the target transaction condition matching the target credit card transaction information is a transaction conducted in merchant B using credit card 1 or credit card 3. Since the billing feature corresponding to the target transaction condition is billing feature 2, the target billing feature is billing feature 2.

It should be noted that to implement step 302, a billing feature set needs to be constructed. Optionally, the construction process of the billing feature set comprises the following steps a to C:

step A: a plurality of billing sub-accounts are established under the target billing account of the target user.

The server in the embodiment of the present application may refer to a server of any card issuing entity, or may refer to a common server of a plurality of card issuing entities having a cooperative relationship. When the server in the embodiment of the application refers to a server of any card issuing organization, the server processes the transaction service of each credit card issued by any card issuing organization; when the server in the embodiment of the present application refers to a common server of a plurality of card issuing institutions with a cooperative relationship, the server processes transaction services of respective credit cards issued by the plurality of card issuing institutions with a cooperative relationship. In either case, the server may handle transactions for multiple credit cards. The card issuing structure refers to a mechanism capable of issuing a credit card for a user, and this is not limited in the embodiment of the present application. For example, the card issuing institution may refer to a bank or a credit card company.

Before issuing a credit card for a user, a card issuing organization collects identity information of the user and then stores the identity information of the user in a server. And the server establishes a billing account for each user according to the identity information of each user. The number of the accounting accounts may be one or more, which is not limited in the embodiment of the present application. For example, the server may establish two accounting accounts for each user, a RMB accounting account for processing RMB transactions and a USD accounting account for processing foreign currency transactions. The foreign currency transaction refers to the transaction of any currency except RMB. That is, each user holding a credit card has at least one billing account associated with it.

In the embodiment of the present application, the target user refers to any user whose identity information is stored in the server. The target accounting account refers to any one of at least one accounting account established by the server for the target user.

A plurality of billing sub-accounts are established under the target billing account of the target user. The number of the bookkeeping sub-accounts can be set according to experience, and can also be flexibly adjusted according to application scenarios, which is not limited in the embodiment of the present application. Alternatively, after establishing a plurality of billing sub-accounts, the credit card account model of the target user may be as shown in fig. 4. In fig. 4, the accounting accounts corresponding to the target user include a rmb accounting account and a dollar accounting account, N (an integer greater than 1) accounting sub-accounts are established under each accounting account, and the transaction services of N (an integer not less than 1) credit cards existing for the target user are managed together.

Through the operation, the credit card account of the target user can be divided into two layers, namely a billing account layer and a billing sub-account layer. The accounting sub-account supports on-demand establishment for recording accounting data, and is transparent to the user. The accounting account refers to the summary of accounting sub-accounts and is used for managing the total amount of the debt, overdue conditions and the like visible to the target user.

And B: and setting an initial bill date and an initial repayment date for each accounting sub-account respectively.

And B, after the plurality of accounting sub-accounts are established under the target accounting account of the target user based on the step A, the server further sets an initial account bill date and an initial repayment date for each accounting sub-account respectively. That is, the billing date and the payment date are set as parameters of the accounting sub-account layer. Compared with the prior art that the account order date and the repayment date are set as the parameters of the accounting account layer, the embodiment of the application can set the account order date and the repayment date for different accounting sub-accounts in a differentiated mode, so that the transaction of the target user under the target accounting account can enjoy different account order dates and repayment dates, the service processing process is flexible, the credit card marketing activity can be supported to be rapidly developed conveniently, and the user experience feeling is good.

The bill date refers to the date of each month of the bill, and the payment date refers to the last date of each month of the lowest payment amount of the bill to be paid. That is, after the bill is billed on the bill day, the user must pay the minimum payment amount of the bill on or before the payment day, otherwise the card issuing institution charges the user's late fee and marks the user's status as overdue.

In the process of setting the initial bill date and the initial repayment date for each bookkeeping sub-account, the setting rule can be set according to experience, and can also be freely adjusted according to an application scenario, which is not limited in the embodiment of the application. After an initial billing date and an initial repayment date are respectively set for each bookkeeping sub-account, the initial billing dates corresponding to any two bookkeeping sub-accounts may be the same or different, and the embodiment of the application does not limit the dates; similarly, the initial payment dates corresponding to any two accounting sub-accounts may be the same or different, and this is not limited in this embodiment of the present application.

Illustratively, assume that 3 billing sub-accounts, respectively billing sub-account 1, billing sub-account 2, and billing sub-account 3, are established under the target billing account. In the process of setting the initial billing date and the initial payment date for each accounting sub-account, 5 days per month and 20 days per month may be set as the initial billing date and the initial payment date corresponding to the accounting sub-account 1, respectively; setting 5 days per month and 25 days per month as an initial account date and an initial repayment date corresponding to the accounting sub-account 2 respectively; 10 and 25 days per month are set as an initial billing date and an initial payment date corresponding to the accounting sub-account 3, respectively. In this setting, the initial billing date corresponding to the bookkeeping sub-account 1 is the same as the initial billing date corresponding to the bookkeeping sub-account 2, and the initial repayment date corresponding to the bookkeeping sub-account 2 is the same as the initial repayment date corresponding to the bookkeeping sub-account 3.

It should be noted that the initial invoice date and the initial payment date in this step refer to the default payment invoice date and the default payment date set by the server, and the initial invoice date and the initial payment date may be subsequently changed according to the request of the user. It should be further noted that, for any one of the accounting sub-accounts, the time between the initial payment date and the initial payment date is a free time period, although the initial payment date and the initial payment date of any one of the accounting sub-accounts can be changed, the free time period corresponding to any one of the accounting sub-accounts cannot be changed. In general, only the user is allowed to change the bill date, and the changed payment date can be automatically determined according to the changed bill date and the free period.

And C: and constructing an accounting feature set based on the initial bill date and the initial repayment date corresponding to each accounting sub-account.

The accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating the corresponding relation between the transaction conditions and the candidate accounting sub-account.

After the initial billing date and the initial repayment date are respectively set for each bookkeeping sub-account, the initial billing date and the initial repayment date corresponding to each bookkeeping sub-account can be obtained. And then, an accounting feature set can be constructed according to the initial account list date and the initial repayment date corresponding to each accounting sub-account. Optionally, based on the initial invoice date and the initial repayment date corresponding to each bookkeeping sub-account, the manner of constructing the bookkeeping feature set is as follows: determining a free period corresponding to each accounting sub-account based on the initial bill date and the initial repayment date corresponding to each accounting sub-account; constructing a plurality of accounting features based on the interest-free period corresponding to each accounting sub-account; the set of the plurality of billing features is taken as a set of billing features.

The free period refers to a repayment buffer period during which the bill is not paid for interest after the bill is issued. For any one accounting sub-account, the free period corresponding to the any accounting sub-account can be determined according to the initial bill date and the initial repayment date corresponding to the any accounting sub-account. In general, the free period is the initial repayment day-the initial billing day.

For example, if the initial billing date corresponding to any accounting sub-account is 5 days per month and the initial payment date is 20 days per month, the rest-free period corresponding to any accounting sub-account is 15 days.

According to the process, the interest-free period corresponding to each accounting sub-account can be determined. The free periods corresponding to any two bookkeeping sub-accounts may be the same or different, and this is not limited in this embodiment of the present application. It should be noted that, for any one of the bookkeeping sub-accounts, the initial billing date and the initial payment date corresponding to the bookkeeping sub-account may be changed, but the exemption period corresponding to the any one of the bookkeeping sub-accounts may not be changed.

The embodiment of the application does not limit the way of constructing the plurality of accounting features based on the interest-free period corresponding to each accounting sub-account. The construction mode can be set according to experience, and can also be flexibly adjusted according to a preferential protocol signed between a merchant and an issuer. Any of the constructed plurality of billing features is used to indicate a correspondence of the transaction conditions and the candidate billing sub-account.

The transaction condition refers to a condition to be satisfied during a transaction using a credit card. The transaction condition may include one or more of a credit card condition and a merchant condition, which is not limited in this embodiment. For example, for any accounting feature, the transaction condition indicated by any accounting feature may refer to that a transaction is conducted in merchant a by using any credit card, a transaction is conducted in merchant B by using a credit card with a consumption amount not lower than a limit threshold value, a transaction is conducted in any merchant by using a credit card of a specified type, and the like. That is, the transaction conditions specify what credit card is used to conduct the transaction at what merchant.

In any of the accounting features, in addition to indicating the transaction conditions, a candidate accounting sub-account corresponding to the transaction conditions is also indicated. The candidate accounting sub-account refers to an accounting sub-account which can account credit card transaction information satisfying transaction conditions. The number of the candidate billing sub-accounts may be one or more, and the embodiment of the present application does not limit this. That is, any accounting feature specifies in which accounting sub-account or sub-accounts the credit card transaction information generated in which merchant is to be used with what credit card.

It should be noted that the transaction conditions indicated by each billing feature in the billing feature set should cover all credit card transaction situations, so as to avoid the phenomenon that some credit card transaction information cannot be subjected to billing processing.

Optionally, in the process of constructing a plurality of billing features based on the free period corresponding to each billing sub-account, information of each credit card held by the target user and information of each merchant supporting credit card transactions may be obtained first, and then a plurality of billing features may be constructed based on the free period corresponding to each billing sub-account through analysis of the information of each credit card and the information of each merchant. The information of the credit card refers to information related to the credit card, such as the type of the credit card, the available consumption amount of the credit card, and the like. The information of the merchant refers to information that can uniquely identify the merchant, for example, an operation license number of the merchant, a tax number of the merchant, and the like.

Next, a process of constructing a plurality of billing features based on the free periods corresponding to the respective billing sub-accounts by analyzing the information of the respective credit cards and the information of the respective merchants is illustrated:

assume that the target user holds 3 credit cards, credit card 1, credit card 2, and credit card 3, respectively. By analyzing the information of each credit card, the following results can be obtained: the credit card 1 is an unlimited credit card, the available consumption amount of the credit card 2 is 1 ten thousand yuan, and the available consumption amount of the credit card 3 is 2 ten thousand yuan;

it is assumed that by analyzing the information of each merchant: of all merchants supporting credit card transactions, two have special requirements. The merchant A signs the preferential right with the card issuing organization and requires to enjoy the ultralong free period; the merchant B requires that the long free period is enjoyed when the consumption amount of the used credit card is not less than 1.5 ten thousand yuan;

assume that 4 billing sub-accounts, respectively billing sub-account 1, billing sub-account 2, billing sub-account 3, and billing sub-account 4, are established under the target billing account. Wherein, the free period corresponding to the bookkeeping sub-account 1 is 10 days, the free period corresponding to the bookkeeping sub-account 2 is 15 days, the free period corresponding to the bookkeeping sub-account 3 is also 15 days, and the free period corresponding to the bookkeeping sub-account 4 is 20 days;

based on the above assumptions, the following 3 billing features can be constructed:

accounting feature 1: the credit card transaction information generated in merchant a using any credit card (credit card 1, credit card 2 or credit card 3) is subjected to a billing process in a billing sub-account 4;

accounting feature 2: performing accounting processing on credit card transaction information generated in the merchant B by using the credit card 1 or the credit card 3 in the accounting sub-account 2 or the accounting sub-account 3;

accounting feature 3: the credit card transaction information generated in other situations is processed in the accounting sub-account 1. Wherein the credit card transaction information generated in other cases includes: credit card transaction information generated at a merchant other than merchant a and merchant B using credit card 1 or credit card 3, and credit card transaction information generated at a merchant other than merchant a using credit card 2.

Based on the above-mentioned 3 book keeping accounts characteristics, can be with using the credit card transaction information that different credit cards produced at different merchants, carry out the book keeping accounts in suitable book keeping accounts subaccount and handle to the transaction information that makes the target user produce enjoys differentiated free period, supports to develop credit card marketing campaign fast, promotes target user's experience and feels. After the plurality of billing features are constructed, the set of the plurality of billing features can be used as a billing feature set.

Optionally, after the billing feature set is constructed, the billing feature set can be stored in the billing engine, so that the billing engine calls the billing processing module according to the billing feature set to perform billing processing on the credit card transaction information in the appropriate billing sub-account. The process of processing the credit card transaction service based on the accounting engine can be as shown in fig. 5, the accounting engine takes the credit card transaction information as a standard input parameter, acquires the accounting features matched with the credit card transaction information from the accounting feature set, determines the accounting sub-account for accounting processing according to the matched accounting features, then determines the accounting sub-account for accounting processing in the N accounting sub-accounts (accounting sub-account 1, accounting sub-account 2, accounting sub-account N, etc.) by the accounting processing module, and performs accounting processing on the credit card transaction information in the accounting sub-account for accounting processing.

Optionally, after the accounting feature set is constructed, the initial billing date and the initial repayment date corresponding to any accounting sub-account may be changed according to a request of the user. The process comprises the following three steps:

step 1: and receiving a bill day change request of the target user to any one of the bookkeeping sub-accounts, wherein the bill day change request comprises the target bill day.

The target user's request for a change of billing date to any of the billing sub-accounts may be sent by the terminal of the target user to the server. The terminal of the target user can be provided with an application program for checking the credit card related information and the accounting sub-account related information, the application program can provide an entry for changing the bill day of any accounting sub-account, when a trigger instruction of the target user to the entry is detected, the terminal jumps to a target bill day filling page, and when the target bill day filled by the target user is detected, the terminal of the target user acquires a bill day change request of the target user to any accounting sub-account. Then, the terminal of the target user sends a request for changing the bill day of any billing sub-account to the server. Thus, the server receives a request for a change of billing date of the target user to any of the billing sub-accounts.

Optionally, after detecting a trigger instruction of the target user for an entry for changing the billing day of any one of the accounting sub-accounts, the terminal of the target user may further send a verification request to the service, so that the server verifies whether the target user has a right to change the billing day of any one of the accounting sub-accounts. And after receiving a response of successful verification fed back by the server, the terminal of the target user jumps to the target bill date to fill in the page.

Step 2: and changing the bill day corresponding to any one bookkeeping sub-account from the initial bill day to the target bill day.

And after the bill day change request, the server changes the initial bill day of any one of the bookkeeping sub-accounts according to the target bill day in the bill day change request. That is, the billing day corresponding to any one of the booked sub-accounts is changed from the initial billing day to the target billing day.

And step 3: and determining a target repayment date corresponding to the target bill date based on the interest-free period corresponding to any accounting sub-account, and changing the repayment date corresponding to any accounting sub-account from the initial repayment date to the target repayment date.

Since the free period of any one of the accounting sub-accounts is not changeable, after the billing day corresponding to the accounting sub-account is changed from the initial billing day to the target billing day, the target repayment day corresponding to the target billing day can be determined according to the free period corresponding to the accounting sub-account. And then changing the repayment date corresponding to any one of the accounting sub-accounts from the initial repayment date to the target repayment date.

Illustratively, assuming that the initial billing date corresponding to the billing sub-account a is 5 days per month and the initial payment date is 20 days per month, the interest-free period corresponding to the billing sub-account a is 15 days. Assuming that the target billing date in the request for changing the billing date of the billing sub-account a by the target user is 10 days per month, the billing date corresponding to the billing sub-account a can be changed from 5 days per month to 10 days per month; then, according to the free period of 15 days, the target repayment date can be determined to be 25 days per month, and the repayment date corresponding to the accounting sub-account A is changed from 20 days per month to 25 days per month.

In step 303, a target accounting sub-account corresponding to the target credit card transaction information is determined among the target candidate accounting sub-accounts indicated by the target accounting features.

After determining the target billing characteristic, a target candidate billing sub-account indicated by the target billing characteristic may be determined; a target accounting sub-account corresponding to the target credit card transaction information may then be determined among the target candidate accounting sub-accounts.

The number of the target candidate billing sub-accounts may be one or more, and when the number of the target candidate billing sub-accounts is one, the target candidate billing sub-account may be directly used as the target billing sub-account corresponding to the target credit card transaction information. When the number of the target candidate billing sub-accounts is plural, the target billing sub-account corresponding to the target credit card transaction information may be determined according to the following steps 3031 to 3033:

step 3031: and acquiring the current bill day corresponding to each target candidate bookkeeping sub-account.

The current billing day corresponding to any one of the accounting sub-accounts is the current billing day corresponding to the any one of the accounting sub-accounts. If the bill date corresponding to any one of the accounting sub-accounts is not changed, the current accounting date corresponding to any one of the accounting sub-accounts is the initial accounting date; and if the bill date corresponding to any one of the accounting sub-accounts is changed, the current account date corresponding to any one of the accounting sub-accounts is the target account date after the change.

Step 3032: and determining the interval period corresponding to each target candidate bookkeeping sub-account based on the current billing date and the transaction date corresponding to each target candidate bookkeeping sub-account.

After the current billing day corresponding to each target candidate bookkeeping sub-account is obtained, the interval period corresponding to each target candidate bookkeeping sub-account can be determined according to the current billing day and the transaction date corresponding to each target candidate bookkeeping sub-account. Wherein the interval period is used to indicate a time interval of the transaction date from the current billing day. For example, if the current billing date corresponding to any target candidate billing sub-account is 10 days per month and the transaction date is 3 months and 5 days, the interval period corresponding to any target candidate billing sub-account is 5 days.

Step 3033: and taking the target candidate accounting sub-account corresponding to the longest interval period in the interval periods corresponding to the target candidate accounting sub-accounts as the target accounting sub-account corresponding to the target credit card transaction information.

The longer the interval, the further away from the billing date is indicated, i.e., the longer the interval, the longer the payment buffer period may be provided for the target user. Thus, the target candidate billing sub-account corresponding to the longest interval is taken as the target billing sub-account corresponding to the target credit card transaction information.

Illustratively, assume that there are 3 target candidate billing sub-accounts indicated by the target billing feature, respectively billing sub-account 1, billing sub-account 2, and billing sub-account 3. The current billing date corresponding to the bookkeeping sub-account 1 is 10 days per month, the current billing date corresponding to the bookkeeping sub-account 2 is 15 days per month, and the current billing date corresponding to the bookkeeping sub-account 3 is 20 days per month. Assuming that the transaction date is 3 months and 5 days, the interval period corresponding to the accounting sub-account 1 is 5 days, the interval period corresponding to the accounting sub-account 2 is 10 days, and the interval period corresponding to the accounting sub-account 3 is 15 days. Since the accounting sub-account corresponding to the longest interval period is accounting sub-account 3, accounting sub-account 3 is taken as the target accounting sub-account corresponding to the target credit card transaction information.

In step 304, target accounting data corresponding to the target credit card transaction information is generated and recorded in the target accounting sub-account.

After the target accounting sub-account is determined, accounting processing can be carried out on the target credit card transaction information in the target accounting sub-account. The accounting processing procedure is that target accounting data corresponding to the target credit card transaction information is generated, and then the target accounting data is recorded in the target accounting sub-account. Optionally, generating target billing data corresponding to the target credit card transaction information comprises steps 3041 through 3043 of:

step 3041: and analyzing the transaction information of the target credit card to obtain a target transaction type corresponding to the transaction information of the target credit card.

There are many types of transactions supported by credit cards, and different accounting data structures may be associated with the target credit card transaction information for different transaction types. The transaction types may include an online payment transaction, an offline payment transaction, a cash withdrawal transaction, and the like. And analyzing the transaction information of the target credit card to obtain a transaction type corresponding to the transaction information of the target credit card, and taking the transaction type as the target transaction type.

Step 3042: a target accounting data structure corresponding to the target transaction type is determined based on the correspondence of the transaction type and the accounting data structure.

After the target transaction type corresponding to the target credit card transaction information is determined, a target accounting data structure corresponding to the target transaction type may be queried in a correspondence between the transaction type and the accounting data structure.

Alternatively, the transaction type may be represented by an accounting service code, with different accounting service codes indicating different transaction types. In this case, the correspondence between the transaction type and the billing data structure refers to the correspondence between the billing service code and the billing data structure. The server may first determine a target accounting server code corresponding to the target transaction type and then query a target accounting data structure corresponding to the target accounting server code in the accounting service code to accounting data structure correspondence. Thus, a target accounting data structure corresponding to the target transaction type is obtained.

Step 3043: target accounting data corresponding to the target credit card transaction information is generated in accordance with the target accounting data structure.

And sequentially filling the items to be filled in the target accounting data structure according to the target credit card transaction information. And taking the data obtained after filling as target accounting data corresponding to the target credit card information.

After the target accounting data is generated, the target accounting data corresponding to the target credit card transaction information can be recorded in the target accounting sub-account, so that when the next accounting day of the target accounting sub-account is reached, the amount to be paid in the target accounting data is collected to the accounting day.

According to the steps, the plurality of credit card transaction information of the target user can be subjected to accounting processing in the plurality of accounting sub-accounts. Due to the existence of the accounting feature set, each credit card transaction information can be subjected to accounting processing in a proper accounting sub-account, the accounting processing flexibility is high, and the experience of a target user is favorably improved.

In step 305, in response to the current bill date corresponding to the target accounting sub-account being reached, a target bill corresponding to the target accounting sub-account is obtained, and the target bill is sent to the second terminal.

The current billing day corresponding to the target billing sub-account refers to the current billing day corresponding to the target billing sub-account. If the bill date corresponding to the target account keeping sub-account is not changed, the current account keeping date corresponding to the target account keeping sub-account is the initial account keeping date; and if the bill date corresponding to the target accounting sub-account is changed, the current accounting date corresponding to the target accounting sub-account is the changed target accounting date.

Optionally, in response to reaching the current bill day corresponding to the target account keeping sub-account, the process of obtaining the target bill corresponding to the target account keeping sub-account includes: and in response to the current bill day corresponding to the target account keeping sub-account, summarizing the account keeping data meeting the conditions in the target account keeping sub-account to obtain a target bill corresponding to the target account keeping sub-account.

The billing data that satisfies the condition includes new billing data and legacy billing data. Wherein the new billing data is newly generated billing data after the last billed billing day and before the current billing day, the new billing data including the target billing data; legacy billing data refers to billing data for incomplete payments on the previous payment date.

And summarizing the money to be paid in the accounting data meeting the conditions in the target accounting sub-account to obtain a target bill corresponding to the target accounting sub-account. The target bill includes the amount of money that the target user needs to pay for the target account before the next payment date.

And after the target bill is obtained, sending the target bill to the second terminal. The second terminal is the terminal of the target user, and the target user can use the second terminal to pay. It should be noted that the second terminal may be the same terminal as the first terminal, or may be a different terminal, which is not limited in this embodiment of the application. Illustratively, when the target credit card transaction information is generated in the process of performing the off-line payment transaction by using the card swiping terminal of the merchant, the first terminal is the card swiping terminal of the merchant, and at this time, the second terminal is a different terminal from the first terminal; when the target credit card transaction information is generated in the process of performing online payment transaction by using the terminal of the target user, the first terminal is the terminal of the target user, and at this time, the second terminal is the same as the first terminal.

The target bill is sent to the terminal of the target user, so that the target user can timely know the minimum amount to be paid in the current period, and timely pay the minimum amount before the payment date, and the adverse effect on credit is avoided.

Based on the above process, bills corresponding to the respective billing sub-accounts can be generated respectively according to the current bill day corresponding to the respective billing sub-accounts, so that the target user can enjoy preferential activities of different interest-free periods.

Optionally, after the accounting data corresponding to the different credit card transaction information is recorded in the plurality of accounting sub-accounts, an accounting total result can be generated based on the accounting data in the plurality of accounting sub-accounts; and recording the total billing result in the target billing account.

The target billing account is used to manage the total liability amount and overdue conditions visible to the user. The server can generate a current total accounting result once every a period of time, and record the current total accounting result in the target accounting account, so that the server can send the total accounting result to the terminal of the target user when the server meets the condition.

Optionally, the manner of sending the total billing result to the terminal of the target user by the server includes, but is not limited to, the following two ways:

mode 1: and the server transmits the accounting total result to the terminal of the target user once every other reference period. The reference period may be set empirically, or may be freely adjusted according to the requirements of the target user, which is not limited in the embodiment of the present application.

Mode 2: and when the total accounting result changes, the server sends the changed total accounting result to the terminal of the target user. By the method, the target user can know the change condition of the total billing result in time.

In conclusion, through the design of a credit card account model and a billing engine, and the application of setting the bill date and the repayment date as parameters of a sub-account layer, the functions of supporting classified billing according to needs and realizing differentiated bill date and repayment date can be configured. The development of credit card marketing activities can be supported quickly, different marketing scenes are supported to give preferential benefits to target users in different free periods, the operation cost is reduced greatly, and the use experience of credit cards of the target users is improved remarkably.

In the embodiment of the application, each accounting feature in the accounting feature set is constructed according to the initial bill date and the initial payment date corresponding to the plurality of accounting sub-accounts, and each accounting feature indicates a transaction condition and a candidate accounting sub-account corresponding to the transaction condition. Thus, the server may record different accounting data generated based on credit card transaction information matching different transaction conditions in different accounting sub-accounts according to respective accounting features in the accounting feature set. Because different account keeping sub-accounts can correspond to different account list days and repayment days, different credit card transaction information can enjoy different account list days and repayment days, the processing process of the credit card transaction business is flexible, and the use convenience of the credit card is improved.

Based on the implementation environment shown in fig. 2, an embodiment of the present application provides a service processing method, which is applied to an interaction process of a first terminal, a server, and a second terminal as an example. As shown in fig. 6, the method provided in the embodiment of the present application may include the following steps:

in step 601, the first terminal transmits target credit card information of a target user to the server.

The first terminal is a terminal capable of generating credit card transaction information, and the first terminal may be different according to a generation route of the target credit card transaction information. Illustratively, the first terminal is a terminal of the target user when the target credit card transaction information is generated in a process of performing an online payment transaction with the terminal of the target user; when the target credit card transaction information is generated in the process of performing off-line payment transaction by using the card swiping terminal of the merchant, the first terminal is the card swiping terminal of the merchant; when the target credit card transaction information is generated in the process of performing online payment transaction by using the self-service terminal, the first terminal is the self-service terminal.

And after the first terminal generates the target credit card transaction information of the target user, the first terminal sends the target credit card transaction information of the target user to the server.

In step 602, the server receives the target credit card transaction information of the target user sent by the first terminal.

In step 603, the server determines a target transaction condition matching the target credit card transaction information based on the transaction conditions indicated by each accounting feature in the accounting feature set, and takes the accounting feature corresponding to the target transaction condition as the target accounting feature.

The accounting feature set is obtained by construction based on an initial account date and an initial repayment date corresponding to the plurality of accounting sub-accounts, the accounting feature set comprises a plurality of accounting features, and any accounting feature is used for indicating a corresponding relation between a transaction condition and the candidate accounting sub-account.

In step 604, the server determines a target accounting sub-account corresponding to the target credit card transaction information among the target candidate accounting sub-accounts indicated by the target accounting features.

In step 605, the server generates target accounting data corresponding to the target credit card transaction information, and records the target accounting data in the target accounting sub-account.

In step 606, in response to the current bill day corresponding to the target billing sub-account being reached, the server obtains a target bill corresponding to the target billing sub-account and sends the target bill to the second terminal.

The implementation process of steps 602 to 606 is detailed in steps 301 to 305 in the embodiment shown in fig. 3, and is not described herein again.

In step 607, the second terminal receives the target bill sent by the server, and displays the target bill.

And after the server sends the target bill to the second terminal, the second terminal receives the target bill sent by the server. The second terminal may then present the target bill so that the target user knows the amount of money that should be currently paid.

It should be noted that, in the embodiment of the present application, the manner in which the second terminal displays the target bill is not limited. Illustratively, the second terminal can directly display the target bill on a first interface; the second terminal can also display the target bill in a display interface of the specific application program after the target user logs in the specific application program.

In the embodiment of the application, the processing process of the accounting service is completed through the interaction of the first terminal, the server and the second terminal. Based on the interaction process, each accounting feature in the accounting feature set is constructed according to the initial bill date and the initial repayment date corresponding to the plurality of accounting sub-accounts, and each accounting feature indicates a transaction condition and a candidate accounting sub-account corresponding to the transaction condition. Thus, the server may record different accounting data generated based on credit card transaction information matching different transaction conditions in different accounting sub-accounts according to respective accounting features in the accounting feature set. Because different account keeping sub-accounts can correspond to different account list days and repayment days, different credit card transaction information can enjoy different account list days and repayment days, the processing process of the credit card transaction business is flexible, and the use convenience of the credit card is improved.

Referring to fig. 7, an embodiment of the present application provides a service processing apparatus, where the apparatus is applied to a server, and the apparatus includes:

a receiving module 701, configured to receive target credit card transaction information of a target user sent by a first terminal;

a determining module 702, configured to determine, based on the transaction conditions indicated by each of the accounting features in the accounting feature set, target transaction conditions matched with the target credit card transaction information, and use the accounting features corresponding to the target transaction conditions as target accounting features, where the accounting feature set is constructed based on an initial billing day and an initial payment day corresponding to a plurality of accounting sub-accounts, where the accounting feature set includes a plurality of accounting features, and any one of the accounting features is used to indicate a corresponding relationship between a transaction condition and a candidate accounting sub-account;

a determining module 702, further configured to determine a target accounting sub-account corresponding to the target credit card transaction information, among the target candidate accounting sub-accounts indicated by the target accounting feature;

a generating module 703 for generating target accounting data corresponding to the target credit card transaction information;

a recording module 704 for recording the target billing data in the target billing sub-account;

an obtaining module 705, configured to obtain a target bill corresponding to the target billing sub-account in response to a current bill day corresponding to the target billing sub-account;

a sending module 706, configured to send the target bill to the second terminal.

Optionally, referring to fig. 8, the apparatus further comprises:

a establishing module 707 for establishing a plurality of billing sub-accounts under the target billing account of the target user;

a setting module 708, configured to set an initial account list day and an initial repayment day for each accounting sub-account;

the building module 709 is configured to build an accounting feature set based on the initial invoice date and the initial repayment date corresponding to each accounting sub-account.

Optionally, the building module 709 is further configured to determine a free period corresponding to each accounting sub-account based on the initial invoice date and the initial repayment date corresponding to each accounting sub-account; constructing a plurality of accounting features based on the interest-free period corresponding to each accounting sub-account; the set of the plurality of billing features is taken as a set of billing features.

Optionally, the receiving module 701 is further configured to receive a request for changing a billing day of any billing sub-account by the target user, where the request for changing the billing day includes the target billing day;

referring to fig. 8, the apparatus further comprises:

a changing module 710, configured to change the billing day corresponding to any one of the account bookings sub-accounts from the initial billing day to the target billing day;

the changing module 710 is further configured to determine a target repayment date corresponding to the target billing date based on the interest-free period corresponding to any one of the account keeping sub-accounts, and change the repayment date corresponding to any one of the account keeping sub-accounts from the initial repayment date to the target repayment date.

Optionally, the generating module 703 is configured to analyze the target credit card transaction information to obtain a target transaction type corresponding to the target credit card transaction information; determining a target accounting data structure corresponding to the target transaction type based on the corresponding relationship between the transaction type and the accounting data structure; target accounting data corresponding to the target credit card transaction information is generated in accordance with the target accounting data structure.

Optionally, the target credit card transaction information includes transaction dates, the number of the target candidate billing sub-accounts is multiple, and the determining module 702 is further configured to obtain current billing dates corresponding to the target candidate billing sub-accounts; determining an interval period corresponding to each target candidate bookkeeping sub-account based on the current bill day and the transaction date corresponding to each target candidate bookkeeping sub-account; and taking the target candidate accounting sub-account corresponding to the longest interval period in the interval periods corresponding to the target candidate accounting sub-accounts as the target accounting sub-account corresponding to the target credit card transaction information.

Optionally, the obtaining module 705 is further configured to, in response to a current bill day corresponding to the target bookkeeping sub-account, perform summary processing on the bookkeeping data meeting the condition in the target bookkeeping sub-account to obtain a target bill corresponding to the target bookkeeping sub-account.

It should be noted that, when the apparatus provided in the foregoing embodiment implements the functions thereof, only the division of the functional modules is illustrated, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the internal structure of the apparatus may be divided into different functional modules to implement all or part of the functions described above. In addition, the apparatus and method embodiments provided by the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.

Fig. 9 is a schematic structural diagram of a service processing device according to an embodiment of the present application, where the device may be a server, and the server may generate a relatively large difference due to different configurations or performances, and may include one or more processors (CPUs) 901 and one or more memories 902, where the one or more memories 902 store at least one program code, and the at least one program code is loaded and executed by the one or more processors 901 to implement the service processing method provided in each method embodiment. Of course, the server may also have components such as a wired or wireless network interface, a keyboard, and an input/output interface, so as to perform input/output, and the server may also include other components for implementing the functions of the device, which are not described herein again.

In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one program code stored therein. The at least one program code is loaded and executed by one or more processors to implement any of the above-described business processing methods.

In an exemplary embodiment, there is also provided a computer readable storage medium having at least one program code stored therein, the at least one program code being loaded and executed by a processor of a computer device to implement any of the above-mentioned business processing methods.

Alternatively, the computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a Compact Disc Read-Only Memory (CD-ROM), a magnetic tape, a floppy disk, an optical data storage device, and the like.

It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship.

The above description is only exemplary of the present application and should not be taken as limiting the present application, and any modifications, equivalents, improvements and the like that are made within the spirit and principle of the present application should be included in the protection scope of the present application.

Claims

1. A method for processing a service, the method comprising:

2. A service processing method is applied to a server, and the method comprises the following steps:

3. The method of claim 2, wherein prior to determining the target transaction condition that matches the target credit card transaction information based on the transaction conditions indicated by each of the billing features in the set of billing features, the method further comprises:

4. The method of claim 3, wherein the constructing an accounting feature set based on the initial billing date and the initial repayment date corresponding to each accounting sub-account comprises:

5. The method of claim 4, wherein after the construction of the accounting feature set based on the initial billing date and the initial repayment date corresponding to each accounting sub-account, the method further comprises:

6. The method of claim 2, wherein generating target billing data corresponding to the target credit card transaction information comprises:

7. The method according to any one of claims 2-6, wherein the obtaining the target bill corresponding to the target billing sub-account in response to reaching the current bill day corresponding to the target billing sub-account comprises:

8. A service processing apparatus, wherein the apparatus is applied to a server, and the apparatus comprises:

9. A computer device, characterized in that it comprises a processor and a memory, in which at least one program code is stored, which is loaded and executed by the processor to implement a business process method according to any one of claims 2 to 7.

10. A computer-readable storage medium, having stored therein at least one program code, which is loaded and executed by a processor, to implement the service processing method according to any of claims 2 to 7.