CN111754220B

CN111754220B - Terminal equipment, service processing system and method for transmitting digital resources

Info

Publication number: CN111754220B
Application number: CN202010586909.5A
Authority: CN
Inventors: 余幼民; 刘昕纯; 李洁; 冯力国
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2020-06-24
Filing date: 2020-06-24
Publication date: 2022-07-19
Anticipated expiration: 2040-06-24
Also published as: CN111754220A; WO2021259144A1

Abstract

The application provides a business processing system and a digital resource transmission method executed by the business processing system; the application also provides a terminal device and a digital resource transmission method executed by the terminal device. According to the digital resource transmission method, the service processing system can formulate a payment strategy according to comprehensive credit data of the user, when the service processing system confirms that the risk of the current user is medium-high risk but the current user can open credit payment, the service processing system sends different instruction signals to the terminal equipment to indicate the terminal equipment to display different pages, and then guides the user to a first digital resource transmission channel for credit payment or a channel for scanning code payment by adopting a second digital resource transmission channel under line, so that the interception accuracy of the merchant on the medium-high risk user is improved, the interference rate on the user is reduced, the loss of the user is reduced, and the user experience is improved.

Description

Terminal device, service processing system and method for transmitting digital resources

Technical Field

The present application relates to the field of digital resource transmission, and in particular, to a terminal device, a service processing system, and a method for transmitting digital resources.

Background

The first share and the second pay are payment modes which can improve the service experience and the convenience of users. The first share then pay may allow the user to enjoy the service first and then deduct the cost of enjoying the service. At present, the mode of first-sharing and second-paying is used in Gaode taxi taking, apple App deduction, credit payment of unmanned containers and subway taking.

Before authorizing a user to enjoy a pay-first-use-after-payment service (hereinafter referred to as a service), the user, payer, or merchant typically sign an agreement regarding the service. Typically the service protocol will consult a user to authorize payment to open a share-before-pay interface to the merchant. After the user enjoys the services provided by the merchant, the merchant can acquire the cost of the services from the payer through the share-before-pay interface.

However, the sharing and the paying bring the user experience improvement and bring the bad account risk. For example, when a user rides a subway car, if the payment account has no balance after riding the car, the merchant cannot obtain the fee from the payment account through the open pay-before-use interface. Thus, the merchant generates bad bills.

For the condition that a merchant generates bad accounts, the current wind control solution is generally an interception idea. I.e., identify users who may not pay and block their use from shared-first-then-paid. In the subway industry, the current wind control scheme is generally as follows: the user is blocked from using the pay-after-share interface only if the user is determined to be arrears. And for the users suspected of not paying, no risk prevention and control scheme is provided.

Disclosure of Invention

In order to reduce the risk of bad account occurrence in a shared-first and paid-later service scenario, the application discloses a method for digital resource transmission, comprising, by at least one processor: acquiring a request of a target terminal for executing a transmission protocol submitted by a digital resource, wherein the request comprises identity information of a target user; acquiring comprehensive credit data of the target user; determining a target channel from at least one digital resource transmission channel based on the synthetic credit data; and sending an instruction signal to the target terminal, wherein the instruction signal instructs the target terminal to display a first page on a display device of the target terminal, the first page comprises a target icon, and the target icon is triggered to activate the flow of opening the target channel.

In some embodiments, wherein the at least one digital resource transmission channel comprises one or more of a first digital resource transmission channel and a second digital resource transmission channel.

In some embodiments, the first digital resource transmission channel is configured as a path for a digital resource transmission system to transmit a digital resource from a first target account of the target terminal in the digital resource transmission system to a destination account of the at least one processor based on first authorization data, wherein the minimum limit of the number of the digital resource in the first target account is a preset negative number, and the digital resource transmission system shares credit data of the target terminal in the first target account with a third-party credit investigation system.

In some embodiments, wherein the aggregated credit data comprises a breach risk value and a credit value, the method of digital resource transmission further comprises: determining that the credit value is above a credit threshold and the breach risk value is above a breach threshold, or that the breach risk value is below the breach threshold; determining that the target channel comprises the first digital resource transmission channel; and responding to a signal for triggering the target icon and the opening of the target channel, and acquiring first authorization data from the target terminal.

In some embodiments, the method of digital resource transmission further comprises, by the at least one processor: acquiring an execution request for target operation submitted by the target terminal; executing the target operation; acquiring a request for ending the target operation submitted by the target terminal; acquiring the receiving number of the digital resources corresponding to the target operation; and sending the collection number and the first authorization information to the digital resource transmission system, and indicating the digital resource transmission system to directly transmit the collection number of the digital resources from the first target account to the target account through the target channel.

In some embodiments, the second digital resource transmission channel is configured to transmit, by the digital resource transmission system, the digital resource from a second target account of the target terminal in the digital resource transmission system to a path of a destination account of the at least one processor based on the second authorization information, where the second target account includes at least one of the following settings: the minimum number limit of the digital resources in the second target account is a preset non-negative number, and the second target account is associated with a third-party digital resource transmission channel.

In some embodiments, wherein the synthetic credit data comprises a breach risk value, the method of digital resource transmission further comprises: determining that the breach risk value is below a breach threshold; determining that the target channel comprises the second digital resource transmission channel; and responding to a signal for triggering the target icon and the opening of the target channel, and acquiring second authorization information from the target terminal.

In some embodiments, the method of digital resource transmission further comprises, by the at least one processor: acquiring an execution request for target operation submitted by the target terminal; executing the target operation; acquiring a request for ending the target operation submitted by the target terminal; acquiring the receiving number of the digital resources corresponding to the target operation; and sending the receiving number and the second authorization information to the digital resource transmission system, and indicating the digital resource transmission system to directly transmit the receiving number of the digital resources from the second target account to the target account through the target channel.

In some embodiments, wherein the aggregated credit data comprises a breach risk value and a credit value, the method of digital resource transmission further comprises: determining that the credit value is below a credit threshold; determining that the default risk value is higher than a default threshold value; and determining the target channel to be the second digital resource transmission channel.

In some embodiments, the method of digital resource transmission further comprises, by the at least one processor: receiving a confirmation signal which is sent by the digital resource transmission system and transmits the digital resources with the target receiving number from the second target account to the target account through the target channel; and performing the target operation.

The application also discloses a service processing system, which comprises: at least one memory including at least one instruction set; and at least one processor communicatively coupled to the at least one memory, the at least one processor executing the at least one instruction set to perform the method of digital resource transfer as described herein.

The application also discloses a method for digital resource transmission based on credit data, comprising, by at least one processor of a terminal device: receiving a first page request triggering operation of a target user; sending a first page request to a target service processing system, wherein the first page request comprises identity information of a target user; acquiring data of a first page, wherein the data of the first page is related to the comprehensive credit data of the target user; and loading the first page according to the data of the first page, wherein the first page comprises at least one target icon, the target icon is triggered to activate a process of opening a target channel, the target channel comprises at least one of a first digital resource transmission channel and a second digital resource transmission channel, and the first digital resource transmission channel and the second digital resource transmission channel correspond to different comprehensive credit data.

In some embodiments, the first digital resource transmission channel is configured as a path for a digital resource transmission system to transmit a digital resource from a first target account of the terminal device in the digital resource transmission system to a destination account of the target traffic processing system based on first authorization data, wherein: the lowest limit of the number of the digital resources in the first target account is a preset negative number, and the credit data of the terminal equipment in the first target account is shared with a third-party credit investigation system by the digital resource transmission system.

In some embodiments, wherein the aggregated credit data comprises a breach risk value and a credit value, the breach risk value being above a breach threshold and the credit value being above a credit threshold, or the breach risk value being below the breach threshold; and the at least one target icon comprises: a first icon, wherein triggering the first icon activates a process of opening the first digital resource transmission channel.

In some embodiments, the method for transmitting digital resources further includes: receiving a trigger operation of the first icon from the target user; and acquiring the first authorization information and sending the first authorization information to the service processing system.

In some embodiments, the method for transmitting digital resources further includes: generating an execution request for a target operation, wherein the execution request for the target operation comprises identification information of the target terminal; and generating an end instruction of the target operation, wherein the end instruction of the target operation comprises identification information of the target terminal, and the end instruction of the target operation instructs the target service processing system to send the charging number of the digital resources corresponding to the target operation and the first authorization information to the digital resource transmission system.

In some embodiments, the second digital resource transmission channel is configured to transmit, by the digital resource transmission system, a digital resource from a second target account of the terminal device in the digital resource transmission system to a destination account of the target business processing system based on second authorization data, wherein the second target account includes at least one of the following settings: the minimum limit of the number of the digital resources in the second target account is a preset non-negative number, and the second target account is associated with a third-party digital resource transmission channel.

In some embodiments, wherein the aggregated credit data comprises a breach risk value and a credit value, the breach risk value being above a breach threshold and the credit value being below a credit threshold; and the at least one target icon comprises: a second icon, wherein the second icon indicates that the target user transferred a target number of digital resources to the destination account via the second digital resource transmission channel.

In some embodiments, the method for transmitting digital resources further includes: submitting a transmission request for the digital resource to the digital resource transmission system, wherein the transmission request comprises: the receiving number of the digital resource corresponding to the executed target operation and the second authorization information.

In some embodiments, wherein the aggregated credit data comprises a breach risk value and a credit value, the breach risk value being below a breach threshold; and the at least one target icon comprises: and triggering the third icon to activate the flow of opening the second digital resource transmission channel.

In some embodiments, the method for transmitting digital resources further includes: receiving a trigger operation of the third icon from the target user; and acquiring second authorization information and sending the second authorization information to the service processing system.

The application also discloses a terminal device, including: at least one memory including at least one instruction set; and at least one processor communicatively coupled to the at least one memory, the at least one processor executing the at least one instruction set to perform the method of digital resource transfer as described herein.

In summary, according to the digital resource transmission method of the application, the service processing system may formulate a payment policy according to the comprehensive credit data of the user, and when the service processing system determines that the risk of the current user is a medium-high risk but the current user can open credit payment, the service processing system instructs the terminal device to display different pages by sending different instruction signals to the terminal device, and further guides the user to a first digital resource transmission channel for credit payment or a channel for scanning code payment by using a second digital resource transmission channel offline, so that the interception accuracy of the merchant on the medium-high risk user is improved, the interference rate on the user is reduced, the loss of the user is reduced, and the user experience is improved.

Drawings

Fig. 1 is a flowchart illustrating a method for transmitting a digital resource according to an embodiment of the present application;

fig. 2 is a schematic diagram illustrating an application scenario of a digital resource transmission method provided in an embodiment of the present application;

fig. 3 is a schematic diagram illustrating a hardware structure of a terminal device and/or a service processing system according to an embodiment of the present application;

FIG. 4A is a schematic diagram illustrating a first page provided in accordance with an embodiment of the present application;

FIG. 4B is a schematic diagram illustrating a business process flow provided by an embodiment of the present application;

FIG. 5A is a schematic diagram of a first page provided in accordance with an embodiment of the present application;

FIG. 5B is a schematic diagram illustrating a business process flow provided by an embodiment of the present application;

FIG. 6A is a schematic diagram illustrating a first page provided in accordance with an embodiment of the present application; and

fig. 6B shows a schematic view of a business process flow provided according to an embodiment of the present application.

Detailed Description

The following description is presented to enable one of ordinary skill in the art to make and use the present disclosure. Various localized modifications to the disclosed embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be applied to other embodiments and applications without departing from the spirit and scope of the present application. Thus, the present application is not limited to the embodiments shown, but is to be accorded the widest scope consistent with the claims.

The terminology used herein is for the purpose of describing particular example embodiments only and is not intended to be limiting.

These and other features of the present application, as well as the operation and function of the related elements of the structure, and the combination of parts and economies of manufacture, will be apparent upon consideration of the following description. All of which form a part of this application, with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application.

These and other features of the present application, as well as the operation and function of the related elements of the structure, and the economic efficiency of assembly and manufacture, are significantly improved by the following description. All of which form a part of this application with reference to the accompanying drawings. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the application. It should also be understood that the drawings are not drawn to scale.

The first-sharing and second-paying security interface is a wind control product used for a first-sharing and second-paying service scene. The interface is coupled with a service module provided by a merchant, and can identify risks of a sharee (namely, a user) of the service and intercept high-risk users. After the high-risk user is identified, the interface can not guide the user to continuously pay the service fee by using other modes, but directly intercepts the user, the experience of the user for enjoying the service can be damaged, and the accuracy rate of interception and the disturbance to the user cannot be perfectly balanced. The interception policy in the interface is related to the risk level. If the risk threshold is set too high, that is, too many users are considered as high risk, the user is disturbed; if the setting is too low, i.e. too many users are treated as a low risk, the accuracy of the interception is reduced, i.e. users that are not blocked may also generate bad bills.

In order to reduce the risk of bad accounts occurring in a service scene of sharing before paying, the application provides the terminal equipment and the method for transmitting the digital resources executed by the terminal equipment. The application provides a service processing system and a method for digital resource transmission executed by the service processing system. Fig. 1 shows a flowchart of a digital resource transmission method S100 provided in an embodiment of the present application. The flow S100 shown in fig. 1 includes a method for transmitting digital resources performed by the terminal device and a method for transmitting digital resources performed by the service processing system. Part of the steps of the flow S100 may be performed by the terminal device 100, and part of the steps may be performed by the service processing system 200.

Fig. 2 shows an application scenario of the digital resource transmission method S100 according to the embodiment of the present application. Specifically, the application scenario may include the user 10, the merchant 20, and the third party payment company 30.

The user 10 and merchant 20 may conduct a targeted transaction. The target transaction may comprise a service transaction. The service transactions may include, but are not limited to, bus taking, subway taking, airplane taking, train taking, catering services, hotel services. The targeted transaction may include a merchandise transaction. The merchandise may include tangible merchandise and intangible merchandise. By way of example, the tangible goods may include, but are not limited to, appliances, books; the intangible goods may include, but are not limited to, stocks, options.

The target transaction includes the user 10 paying the merchant 20 a target number of digital resources. By way of example, the digital resource may be digital currency. The digital currency may include a digital representation of a physical currency. The digital currency may also include virtual digital currency. For convenience of description, in the following description of the present application, the functions of the digital resource described in the present application are described by taking the digital resource as a digital representation (hereinafter, referred to as a fee) of the physical currency.

The user 10 is the payer of the targeted transaction; the merchant 20 is the recipient of the targeted transaction. The targeted transaction also includes the merchant 20 providing a service or good to the user 10; the user 10 is a sharee of the service and/or a buyer of the goods; the merchant 20 is a provider of the service and/or a seller of the goods (i.e., a merchant).

The user 10 may be a sharee of the service. The merchant 20 and the third party payment company 30 may together provide the service to the user 10. The services may include, but are not limited to, riding public transportation, taxi service, cell phone applications withholding, unmanned counter credit payment. The public transportation includes, but is not limited to, subway and public transport.

The terminal device 100 may be an intelligent electronic device of the user 10. The terminal device 100 may include, but is not limited to, a smart phone, a mobile device, a tablet computer, a laptop computer, a built-in device of a motor vehicle, or the like, or any combination thereof. In some embodiments, the terminal device 100 may include a smart phone, a Personal Digital Assistant (PDA), a gaming device, a navigation device, a point of sale (POS) device, the like, or any combination thereof. In some embodiments, the smart electronic device may include, but is not limited to, a laptop computer, a tablet computer, a smart home device, a wearable device, a virtual reality device, an augmented reality device, and the like, or any combination thereof. In some embodiments, the smart home devices may include smart lighting devices, control devices for smart electrical devices, smart walkie-talkies, or the like, or any combination thereof. In some embodiments, the wearable device may include a smart bracelet, smart footwear, smart glasses, smart helmet, smart watch, smart garment, smart backpack, smart accessory, or the like, or any combination thereof. In some embodiments, the virtual reality device and/or the augmented reality device may include a virtual reality helmet, virtual reality glasses, a virtual reality patch, an augmented reality helmet, augmented reality glasses, an augmented reality patch, and the like, or any combination thereof. For example, the virtual reality device and/or augmented reality device may include google glass, Oculus Rift, Hololens, Gear VR, and the like.

The terminal device 100 may have the target application 50 installed thereon. In some embodiments, target application 50 may comprise a first app or first applet that merchant 20 provides to user 10 that facilitates interaction of user 10 and merchant 20 over network 130. As an example, the first app may be a subway ride app. As an example, the first applet may be a subway ride applet. In some embodiments, the target application 50 may also include a second app or second applet that the third party payment company 30 provides to the user 10 that facilitates interaction of the user 10 with the third party payment company 30 over the network 130. As an example, the second app may be a third party payment app. As an example, the second applet may be a third party paid program and/or set of instructions.

The target application 50 can provide the user 10 with the ability to interact with the merchant 20 and/or third party payment company 30 via the network 130 and a page. In some embodiments, the target application 50 may present a target page 60 to the user 10. The destination page 60 may be a web page. The destination page 60 may be displayed on a display device of the terminal device 100. As an example, the display device may be a display screen of the terminal device 100. The destination page 60 may include, but is not limited to, a sign up page, a setup page, a request ride code page, a payment page, a password box page, a sign up successful page, a payment successful page, and the like.

In some embodiments, the destination page 60 may include at least one icon. The icons may include, but are not limited to, picture icons, text icons, web site icons, etc. displayed on the destination page 60.

In some embodiments, the icon may point to at least one process. The user 10 may click on the icon, triggering the flow to which the icon points.

In some embodiments, the icon may show some notification information that needs to be perceived by the user 10. For example, when the user 10 successfully signs up with the third party payment company 30, the destination page 60 may display information of the successful sign-up to inform the user 10 of the successful sign-up.

In some embodiments, user 10 may apply for the target service to merchant 20 via target page 60 in terminal device 100. For example, the user 10 applies for the inbound two-dimensional code through a bus page in the subway bus app.

In some embodiments, the user 10 may apply to the third party payment company 30 via the target page 60 in the terminal device 100 an agreement to sign up for payment of the target transaction using the target payment channel. For example, the user 10 applies for a privacy-free payment with the third-party payment company 30 in the target transaction through the payment setup page.

In some embodiments, the user 10 may also authorize the third party payment company 30 to pay the merchant 20 for the target transaction through the terminal device 100 according to an agreed payment channel. For example, before taking a subway, the user 10 authorizes the third party payment company 30 to extract the subway taking fee directly from the account of the third party payment company 30 of the user 10 after the user 10 is out of the station and transfer to the account of the merchant 20.

The third party payment company 30 may provide the user 10 and the merchant 20 with a solution for payment of the fee for the target transaction. The third party payment company 30 can provide a digital resource transmission channel through the digital resource transmission system 300 to help the merchant 20 charge the user 10. By way of example, the digital asset delivery system 300 may be a third party payment system. As an example, the digital resource transmission channel may be a payment channel. By way of example, digital resource transmission system 300 may extract a target number of digital resources from the user's 10 account through the digital resource transmission channel and transfer to the merchant's 20 account.

Digital resource transmission system 300 may provide user 10 and merchant 20 with a target payment service for the target transaction as a payment broker for user 10 and merchant 20. The target payment service may be a withholding service. In some embodiments, the escrow service may be a password-free escrow service. The password-free withholding service may include: the payer authorizes the payee to send a deduction instruction to the digital resource transmission system 300, and authorizes the digital resource transmission system 300 to deduct the target money from the account of the payer to the account of the payee according to the deduction instruction without obtaining a password from the payer. For example, digital resource transmission system 300 may withdraw a fee from user 10's account for enjoying subway service and pay merchant 20. The account may be an account that the user 10 authorizes access to the digital resource transmission system 300. The account may be an account that the user 10 authorizes the payment system to perform part of the management. By way of example, the account may include, but is not limited to, an electronic wallet, a bank card, an internet merchant bank, a financial product, a credit card, and the like. Digital resource transmission system 300 may receive a debit instruction from transaction system 200 of merchant 20 and debit a target fee from the account of user 10. The target fee refers to a fee for the user 10 to enjoy the subway ride service.

In some embodiments, digital resource transmission system 300 may issue a credit report to merchant 20 regarding user 10 enjoying the targeted service. The credit report may include the aggregated credit data for the user 10. The credit report may vouch for the user's 10 transaction activity for a period of time after the credit report is generated. For example, the third party payment company 30 may receive a request from the merchant 20 to obtain a credit report for the user 10 and return the queried credit report for the user 10 to the merchant 20 before the user 10 signs up for the target transaction with the merchant 20. The merchant 20 may decide whether to accept the user 10's transaction request for the next period of time based on the credit report.

The digital resource delivery system 300 may send a consultation request to the risk assessment system 500 to obtain comprehensive credit data about the user 10. As an example, the aggregated credit data may include a breach risk value and a credit value. The default risk value may be a risk that the merchant 20 will not recoup the target service fee after the user 10 has enjoyed the target service. The credit value may evaluate the credit rating of the user 10. The credit value may also be used to evaluate whether the user 10 is eligible to open a target account. As an example, the target account may include a credit account with overdraft functionality.

The risk assessment system 500 may include at least one sub-risk assessment module. The at least one sub-risk assessment module may be respectively configured to assess sub-risks of paying the service fee using one or more sub-accounts. The risk assessment system 500 may send sub-assessment requests to the at least one sub-risk assessment module, respectively, to obtain the risk that the user pays with different sub-accounts. In some embodiments, one or more of the at least one sub-risk module may be coupled within the digital resource transmission system 300.

The risk assessment system 500 may identify the defaulting probability of the currently queried user 10 by using machine algorithms such as logistic regression, machine learning, and transfer learning, with the account behavior, credit history, transaction behavior, and asset status of the current user 10 as the determination basis. If the arrearage possibility is higher than a threshold value, determining that the current user is a medium-high risk user; and if the arrearage possibility is lower than the threshold value, determining that the current user is a low-risk user.

The merchant 20 may provide goods or services to the user 10. In some embodiments, merchant 20 may provide services to user 10 through target device 40 and target application 50 installed within terminal device 100 of user 10. For example, the merchant 20 may be an M city subway company that provides subway taking services for the user 10, the target application 50 may be a subway taking app of the merchant 20, the target device 40 may be an entrance/exit gate of the M city subway company and a subway, and the merchant 20 may provide the subway taking services to the user 10 through the subway taking app, the entrance/exit gate and the subway. For example, the merchant 20 may provide the user 10 with a lift by-ride service by opening a gate of an inbound gate or opening a gate of an outbound gate.

Merchant 20 may process the business request of user 10 through business processing system 200. As an example, fig. 3 shows a hardware structure diagram of a service processing system 200 and/or a terminal device 100 provided according to an embodiment of the present application. For ease of understanding, the following description will describe the hardware architecture with respect to the business processing system 200 as an example.

Business processing system 200 includes at least one memory 230 and at least one processor 220. In some embodiments, the business processing system 200 may also include a communication port 250 and an internal communication bus 210. Meanwhile, the business processing system 200 may also include I/O components 260.

Internal communication bus 210 may connect various system components including memory 230 and processor 220.

I/O component 260 supports input/output between business processing system 200 and other components.

Memory 230 may include a data storage device. The data storage device may be a non-transitory storage medium or a transitory storage medium. For example, the data storage devices may include one or more of a disk 232, Read Only Memory (ROM)234, or Random Access Memory (RAM) 236. The memory 230 also includes at least one instruction set stored in the data storage device. The set of instructions is computer program code that may include programs, routines, objects, components, data structures, procedures, modules, and the like that perform the methods of digital asset transmission provided herein.

The communication port 250 is used for data communication between the service processing system 200 and the outside. For example, the service processing system 200 may be connected to the network 130 through the communication port 250 to receive the request from the terminal device 100 of the user 10 and/or from the digital resource transmission system 300.

The at least one processor 220 communicates with the at least one memory 230 via an internal communication bus 210. The at least one processor 220 is configured to execute the at least one instruction set, and when the at least one processor 220 executes the at least one instruction set, the service processing system 200 implements the method for digital resource transmission provided herein. The processor 220 may perform some of the steps involved in the digital resource transmission method. Processor 220 may be in the form of one or more processors, and in some embodiments, processor 220 may include one or more hardware processors, such as microcontrollers, microprocessors, Reduced Instruction Set Computers (RISC), Application Specific Integrated Circuits (ASICs), application specific instruction set processors (ASIPs), Central Processing Units (CPUs), Graphics Processing Units (GPUs), Physical Processing Units (PPUs), microcontroller units, Digital Signal Processors (DSPs), Field Programmable Gate Arrays (FPGAs), Advanced RISC Machines (ARM), Programmable Logic Devices (PLDs), any circuit or processor capable of executing one or more functions, or the like, or any combination thereof. For illustrative purposes only, only one processor 220 is depicted in the business processing system 200 in the present application. It should be noted, however, that business processing system 200 may also include multiple processors and, thus, the operations and/or method steps disclosed herein may be performed by a single processor, as described herein, or by a combination of multiple processors. For example, if in the present application the processors 220 of the business processing system 200 perform steps a and B, it should be understood that steps a and B may also be performed jointly or separately by two different processors 220 (e.g., a first processor performing step a, a second processor performing step B, or both a first and second processor performing steps a and B).

The service processing system 200 may receive a request from the terminal device 100 and process the request. For example, when the user 10 applies for signing a discount through the target page 60, the service processing system 200 may process the signing request and return the processing result to the user 10. For another example, when the user 10 leaves the gate of the subway, the service processing system 200 may obtain the fare for the user to go and request the digital resource transmission system 300 to charge the fare for the user 10 to take the subway.

The business process system 200 may also formulate a payment policy for the user 10 based on the aggregated data for the user 10. The process of the service processing system 200 for formulating the payment policy may be in the process of signing a contract for service processing or in the process of two-dimensional code request service processing. For example, when the user 10 signs up for a discount, the service processing system 200 may query the comprehensive credit data of the user 10 and push different digital resource transmission channels to the user 10 according to the query result. For example, when the user 10 requests the two-dimensional code to enter the website, the service processing system 200 may query the account balance and/or credit of the user 10, and push different digital resource transmission channels to the user 10 according to the query result.

Part of the steps of the process S100 shown in fig. 1 describe the process of the business processing system 200 for making a payment policy. For convenience of description, the features of each step in the flow S100 are described by taking a subscription service as an example.

S110, the terminal device 100 receives the first page request trigger operation of the user 10.

S120, the terminal device 100 sends a first page request to the service processing system 200. The first page request includes identity information of the user 10.

The user 10 may initiate a subscription procedure for signing the withholding protocol through the target page 60 on the terminal device 100. As an example, the user 10 may trigger the flow S100 through a registration/setting page presented by a screen of the terminal device 100.

When the process S100 is triggered, the terminal device 100 needs to present the first page to the user 10 to respond to the triggering operation of the user 10. Accordingly, the terminal device 100 may transmit a first page request to the service processing system 200 to request to receive data of the first page. Wherein the first page request includes identity information of the user 10. As an example, the identity information of the user 10 shown may be an account number registered by the user 10 at the business process system 200.

S130, the service processing system 200 obtains the request for executing the transmission protocol submitted by the terminal device 100 for the digital resource. The request includes identity information of the user 10.

As an example, the transmission protocol may be a withholding protocol for signing a withholding. Taking subway taking as an example, the deduction-replacement protocol may include a process of taking a bus by using a bus code and paying a bus fee. As an example, the process may include: when a user takes a subway, the mobile phone bus taking codes are displayed, the mobile phone bus taking codes are read and verified by the gate code scanning equipment and then the user leaves the subway, and the third party payment platform deducts corresponding bus taking expenses from the account of the user to pay the corresponding bus taking expenses to a subway merchant after the user leaves the subway, so that the payment of the bus taking expenses of the subway is completed.

In some embodiments, through the withholding protocol, the user may authorize: the subway merchant sends a deduction instruction to the digital resource transmission system by the user; the digital resource transmission system can directly deduct corresponding amount from the account of the user to the subway merchant (namely, password-free payment) under the condition of not verifying information such as the account password, the payment password and/or the short message verification code of the user according to a deduction instruction sent by the subway merchant.

In some embodiments, the withholding protocol may further include the following: the service provider has the right to acquire the credit record or transaction record of the user, determines whether to accept the service application of the user, and can verify the authority and identity of the user for transaction according to the relevant elements such as the registration information. The protocol may further include: the service provider has the right to inquire the credit condition of the user from a credit platform (such as a third-party credit investigation platform), and decide whether to continue using the service for the user according to the credit condition of the user. The protocol may further include: the user authorizes the identity information of the user to be provided to related companies such as subway companies, third-party payment companies, third-party credit investigation companies and the like. The identity information may include, but is not limited to, a name, an identification card, a mobile phone number.

S140, the service processing system 200 obtains the comprehensive credit data of the target user.

As an example, the aggregated credit data may include a default risk value and a credit value for the user 10.

As an example, the credit value may be used to determine whether the user 10 has permission to open the first target account number 11.

In some embodiments, the minimum limit of the number of digital resources in the first target account number 11 is a preset negative number. For example, the first target account number 11 may comprise a credit account with overdraft capability opened by the digital resource transmission system 300.

In some embodiments, the digital resource transmission system 300 may share the credit data of the target terminal 100 in the first target account number 11 with a third-party credit investigation system.

As an example, the breach risk value may be used to represent a breach risk of the user 10 paying for the target service using the second target account 12.

In some embodiments, the minimum limit on the number of digital assets in the second target account number 12 may be a preset non-negative number. For example, the second target account 12 may be a debit account that the user 10 opened in the digital resource transmission system 300 without overdraft functionality.

In some embodiments, the second target account number 12 may be associated with a third party digital resource transmission channel. For example, the second target account 12 may be an account of a third party digital resource transmission channel for which the user 10 authorizes the digital resource transmission system 300 to have a part of the management function. As an example, the third-party digital resource transmission channel may be a bank system in city B, and the second target account 12 may be a debit card account or a credit card account opened by the user 10 at the bank system in city B. The user 10 may bind the debit or credit card account number to the user's 10 account number at the resource delivery system 300.

In some embodiments, the business process system 200 may send a request to the digital resource transmission system 300 to obtain the comprehensive credit data for the user 10.

The digital resource transmission system 300, upon receiving a request from the service processing system 200, may send a request to the risk assessment system 500 to obtain the comprehensive credit data for the user 10.

Digital resource transmission system 300 may send sub-risk assessment requests to the sub-risk assessment modules of risk assessment system 500, respectively. The sub-risk assessment request may be used to assess the sub-risk of the user 10 paying the cost of the target transaction using one or more sub-accounts.

As an example, the digital resource transmission system 300 may request the sub-risk assessment module 510 to obtain a risk value for the user 10.

As an example, the digital resource transmission system 300 may request the sub-risk assessment module 520 to obtain a breach risk value for the user 10.

Risk assessment system 500 sends the aggregate credit data for user 10 to digital resource transmission system 300. In some embodiments, the risk assessment system 500 may encapsulate the synthetic credit data in one or more response packets that are sent to the digital resource transmission system 300.

The digital resource transmission system 300 transmits the integrated credit data to the service processing system 200.

In this way, the business processing system 200 obtains the aggregate credit data for the user 10.

The integrated credit data includes the default risk value and the credit value of the user 10. For example, taking the digital resource transmission system 300 as a third party payment system as an example, after receiving a consultation request from a subway merchant, the third party payment system may consult the sub-security module 520 whether the user may sign up to withhold using the second target account 12. And the second security module returns the risk level of the user through the inquiry of the internal model strategy and outputs the inquiry result to the subway merchant. After obtaining the user's information, the third-party payment system can also simultaneously send a consultation request to the sub-security module 510, "is the current user open the first target account number 11 and can open the first target account number 11? ". After taking the result returned by the sub-security module 510, the third party payment system outputs "whether the current user has opened the first target account number 11 and whether the first target account number 11 can be opened" to the subway merchant.

The breach risk value may include a risk value of the user 10 paying for the target transaction using the second target account number 12. For example, whether the user 10 can sign up for a deduction with the second target account 12 and/or the risk level of the user 10 using the second target account 12 for deduction. The risk classes may include low risk, medium risk, and high risk. In some embodiments, the "risk of breach of the target transaction by the payer" and "risk of providing target payment services to the payer of the target transaction by the payee" may be considered to be consistent.

S150, the service processing system 200 determines a target channel from at least one digital resource transmission channel based on the comprehensive credit data.

After obtaining the synthetic credit data, the business process system 200 may formulate a payment policy for the user 10 based on the synthetic credit data. The business process system 200 may determine a target channel from the at least one digital resource transmission channel as a payment policy for the user 10.

In some embodiments, the at least one digital resource transmission channel comprises one or more of a first digital resource transmission channel and a second digital resource transmission channel.

In some embodiments, the first digital resource transmission channel is configured as a path for the digital resource transmission system 300 to transmit the digital resource from the first target account 11 of the target terminal 100 in the digital resource transmission system 300 to the destination account 21 of the service processing system 200 based on the first authorization data.

The first authorisation data may serve as a token for the digital resource extracted by the digital resource transmission system 300 from the first target account number 11 of the user 10.

By way of example, the first authorization data may include authentication information authorized by the user 10, which may include, but is not limited to, password information, fingerprint information, voice information, facial information, and the like.

In some embodiments, the user 10 authorizes the first authorization data to the service processing system 200 and the digital resource transmission system 300 in a subscription process. For example, during the process of signing up a discount, the user 10 inputs a password through a password box displayed on the interface 60, and authorizes the password to the service processing system 200 and the digital resource transmission system 300.

In some embodiments, the user 10 authorizes the first authorization data to the business processing system 200 and the digital resource transmission system 300 in the course of requesting to conduct a transaction. For example, before taking a car, the user 10 scans the code and pays, and the user 10 inputs the password and authorizes the password to the digital resource transmission system 300.

In some embodiments, the second digital resource transmission channel is configured as a path for the digital resource transmission system 300 to transmit the digital resource from the second target account 12 of the target terminal 100 in the digital resource transmission system 300 to the destination account 21 of the service processing system 200 based on the second authorization data.

The second authorisation data may serve as a token for the digital resource extracted by the digital resource transmission system 300 from the second target account number 12 of the user 10.

The characteristics and the obtaining mode of the second authorization data and the like can be the same as or similar to those of the first authorization data. For brevity, no further description is provided herein.

The business processing system 200 may determine a payment policy for the user 10 based on the aggregated credit data for the user 10. The business process system 200 may determine a target channel from the first digital resource transmission channel and the second digital resource transmission channel as a payment policy for the user 10.

In some embodiments, the payment policy may include a first payment policy:

the business processing system 200 determines that the credit value is above a credit threshold and the breach risk value is above a breach threshold, or that the breach risk value is below the breach threshold; the service processing system 200 determines that the target channel comprises the first digital resource transmission channel.

In accordance with the foregoing description, the credit value may be used to determine whether the user 10 has permission to open the first target account number 11. The breach risk value may be used to represent a breach risk of the user 10 paying for the target service using the second target account number 12.

The business processing system 200 judges that the risk level of the user paying by using the second target account 12 is medium-high risk, and when the user can open the first target account 11; the service processing system 200 sets the first target account number 11 of the user 10 as a payment account for the user 10 taking a subway, that is, a target account for the user 10 to apply for deduction from the digital resource transmission system 300 after the user 10 finishes taking a subway. The business processing system 200 determines the first digital resource transmission channel capable of credit payment as the target payment channel. Therefore, when a target user 10 makes a target transaction request in the future, if the target user 10 is a medium-high risk user, the target user 10 can be guided to a channel of a first digital resource transmission channel capable of performing credit payment, so that the interception accuracy is improved, the user disturbance is reduced, the user experience is improved, and the user loss is avoided.

In some embodiments, the payment policy may include a second payment policy:

the business processing system 200 determines that the credit value is below a credit threshold and the breach risk value is above a breach threshold; the business processing system 200 determines the target channel to be the second digital resource transmission channel.

The business processing system 200 judges that the risk level of the user paying by using the second target account 12 is medium-high risk, and when the user cannot open the first target account 11; the business processing system 200 determines the second digital resource transmission channel as the target payment channel. The service processing system 200 may notify the user 10 to make an offline ticket purchase through the second digital resource transmission channel. In some embodiments, operational information may also be included in the message alerting the user. As an example, the operation information may be: if the user selects the second digital resource transmission channel line to scan down to purchase a ride ticket, a certain amount of red envelope (such as a wool) is issued to the user.

In some embodiments, the payment policy comprises a third payment policy:

The business processing system 200 determines that the breach risk value is below a breach threshold; the business processing system 200 determines that the target channel comprises the second digital resource transmission channel.

When the breach risk value is lower than the breach threshold value, the business processing system 200 takes the first target account 11 as a payment account for the user 10 to conduct the target transaction, and determines a second digital resource transmission channel as the target channel.

Of course, when the breach risk value is below the breach threshold, the target channel may also comprise the first digital resource transmission channel.

In summary, the service processing system 200 obtains the comprehensive credit data about the target user from the digital resource transmission system 300, and establishes a payment policy about the target user 10 according to the comprehensive credit data, and determines a target payment channel.

S160, the service processing system 200 sends an instruction signal to the terminal device 100, where the instruction signal instructs the terminal device to display the first page on its display device.

After the payment policy is established, the service processing system 200 may send an instruction signal to the terminal device 100 to instruct the terminal device 100 to load the first page. Different payment policies correspond to different first pages. The content of the first page is related to the aggregate credit data of the user 10.

S170, the terminal device 100 acquires data of the first page.

S180, the terminal device 100 loads the first page according to the data of the first page.

The first page comprises at least one target icon, wherein the target icon is triggered to activate a process of opening a target channel.

As an example, fig. 4A shows a schematic diagram of a first page 610 provided according to an embodiment of the present application. When the business processing system 200 determines that the payment policy for the user 10 is the first payment policy, the business processing system 200 may instruct the terminal device 100 to load the first page 610.

The user 10 triggers the first icon 611 to activate the process of opening the first digital resource transmission channel.

The terminal device 200 may also load a password box page to request the user 10 to input a payment password. The payment password may serve as the first authorization data. When the user 10 inputs the password through the password box page, the terminal device 100 sends the first authorization data to the service processing system 200 and/or the digital resource transmission system 300.

Corresponding to the service processing system 200, the service processing system 200 acquires the first authorization data from the target terminal device 100 in response to the signal triggering the first icon 611 and the opening of the first digital resource transmission channel.

In this way, the business processing system 200 sets the first digital resource transmission channel capable of credit payment as the target payment channel, and obtains the first authorization data for payment by using the first digital resource channel. Therefore, when a target user 10 makes a target transaction request in the future, if the target user 10 is a medium-high risk user, the target user 10 can be guided to a channel of a first digital resource transmission channel capable of performing credit payment, so that the interception accuracy is improved, the user disturbance is reduced, the user experience is improved, and the user loss is avoided.

As an example, fig. 4B shows a processing flow S610 of making a transaction request to a user according to an embodiment of the present application.

S611, the terminal device 100 generates an execution request for the target operation.

S612, the service processing system 200 obtains the request for executing the target operation submitted by the target terminal.

The execution request of the target operation may include identification information of the target terminal. The identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 for identifying the identity of the user 10.

As an example, the execution request of the target operation may be a request to open an inbound gate. As an example, the execution request generated by the terminal device 100 may be in the form of an inbound ride code.

The service processing system 200 recognizes the inbound riding code of the terminal device 100, and further obtains the request for opening the inbound gate submitted by the terminal device 100.

S613, the business processing system 200 executes the target operation.

After recognizing the inbound bus code, the service processing system 200 performs an operation of opening the inbound gate.

S614, the terminal device 100 generates an end instruction for the target operation.

As an example, the end instruction of the target operation generated by the terminal device 100 may be in the form of an outbound code.

The end instruction of the target operation includes identification information of the terminal device 100. The identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 for identifying the identity of the user 10.

An end instruction (such as an outbound code) of the target operation may instruct the service processing system 200 to send the charged number of the digital resource corresponding to the target operation and the first authorization data to the digital resource transmission system 300. For example, the outbound code may instruct the service processing system 200 to send a ride fee between the inbound gate and the outbound gate to the digital resource transmission system 300 and to use the first digital resource transmission channel to pay the first authorization data.

S615, the service processing system 200 obtains the end request for the target operation submitted by the target terminal.

The service processing system 200 recognizes the outbound riding code of the terminal device 100, and further obtains the request for opening the outbound gate submitted by the terminal device 100.

S616, the service processing system 200 obtains the receiving number of the digital resource corresponding to the target operation.

The transaction system 200 may obtain the cost of the ride of the user 10 based on the record of the swipe code of the entrance/exit gate.

S617, the service processing system 200 sends the receiving number and the first authorization information to the digital resource transmission system 300, and instructs the digital resource transmission system 300 to directly transmit the receiving number of the digital resources from the first target account 11 to the target account 21 through a first digital resource transmission channel.

The service processing system 200 identifies the outbound code of the subscriber 10. The service processing system 200 obtains the riding cost of the user 10, and the service processing system 200 generates an order according to the riding cost and places the order to the digital resource transmission system 300. The digital resource transmission system 300 transfers the fee from the first target account 11 of the user 10 to the target account 21 of the merchant 20 through the first digital resource transmission channel according to the riding fee and the first authorization data.

As an example, fig. 5A illustrates a schematic diagram of a first page 620 provided according to an embodiment of the present application. When the business process system 200 determines that the payment policy for the user 10 is the second payment policy, the business process system 200 may instruct the terminal device 100 to load the first page 620.

The user 10 may trigger the second icon 621 to activate the process of opening the second digital resource transmission channel.

As an example, fig. 4B shows a processing flow S620 for making a transaction request to a user according to an embodiment of the present application.

S621, the terminal device 100 submits a transmission request for the digital resource to the digital resource transmission system 300.

The digital resource transmission system 300 acquires a transmission request submitted for the digital resource from the terminal device 100.

As an example, the transmission request may be a payment order made by the user 10 to the digital resource transmission system 300 through the terminal device 100. The transmission request may include: the receiving number of the digital resources corresponding to the executed target operation and second authorization information. As an example, the target operation may be issuing a ride note.

When the user 10 selects to confirm the offline payment using the second digital resource transmission channel, the page of the terminal device 100 may jump to a page for code scanning payment using the second digital resource transmission channel. The payment amount may be included on the page.

And (4) scanning the code by the user for payment and inputting a payment password. The payment password may serve as the second authorization data.

After the user 10 inputs the password, the terminal device 100 places an order to the digital resource transmission system 300.

The digital resource transfer system 300 transfers the charged number of the digital resources from the second target account 12 to the destination account 21 through the target channel.

After receiving the payment order of the terminal device 100, the digital resource transmission system 300 extracts the riding fee from the second target account 12 of the user 10 through the second digital resource transmission channel according to the second authorization data and transfers the riding fee to the account 21 of the merchant 20.

S622, the service processing system 200 receives a confirmation signal sent by the digital resource transmission system 300 to transmit the received number of digital resources from the second target account to the destination account through the target channel.

S623, the business processing system 200 executes the target operation.

After successful payment, the digital resource transmission system 300 sends a message to the service processing system 200 informing of the successful payment. The transaction system 200 receives the message of successful payment and performs the operation of issuing the ride bill.

As an example, fig. 6A shows a schematic diagram of a first page 630 provided according to an embodiment of the present application. When the business processing system 200 determines that the payment policy for the user 10 is the third payment policy, the business processing system 200 may instruct the terminal device 100 to load the first page 630.

The user 10 may trigger the third icon 631 to activate the process of opening the second digital resource transmission channel.

The terminal device 200 may also load a password box page to request the user 10 to input a payment password. The payment password may serve as the second authorization data. When the user 10 inputs the password through the password box page, the terminal device 100 transmits the second authorization data to the service processing system 200.

Corresponding to the service processing system 200, the service processing system 200 acquires second authorization data from the target terminal device 100 in response to the signal triggering the third icon 631 and the opening of the second digital resource transmission channel.

As an example, fig. 6B shows a processing flow S630 of making a transaction request to a user according to an embodiment of the present application.

S631, the terminal device 100 generates an execution request for the target operation.

S632 the service processing system 200 acquires the execution request for the target operation submitted by the terminal device 100.

The execution request of the target operation includes identification information of the target terminal. The identification information of the terminal device 100 may be account information registered by the user 10 in the service processing system 200 for identifying the identity of the user 10.

The service processing system 200 recognizes the inbound bus taking code of the terminal device 100, and further obtains the request for opening the inbound gate submitted by the terminal device 100.

S633, the business process system 200 performs the target operation.

S634, the terminal device 100 generates an end instruction for the target operation.

An end instruction (such as an outbound code) of the target operation may instruct the service processing system 200 to send the charged number of the digital resource corresponding to the target operation and the second authorization data to the digital resource transmission system 300. For example, the outbound code may instruct the service processing system 200 to transmit the fare between the inbound gate and the outbound gate and the second authorization data to the digital resource transmission system 300.

S635, the service processing system 200 obtains the end request for the target operation submitted by the target terminal.

The service processing system 200 recognizes the outbound bus number of the terminal device 100, and further obtains a request for opening an outbound gate submitted by the terminal device 100.

S636, the service processing system 200 obtains the number of collected digital resources corresponding to the target operation.

The service processing system 200 can obtain the fare for the ride of the user 10 from the record of the swipe code of the entrance/exit gate.

S637, the service processing system 200 sends the receiving number and the second authorization information to the digital resource transmission system 300, and instructs the digital resource transmission system 300 to directly transmit the receiving number of the digital resources from the second target account 12 to the target account 21 through a second digital resource transmission channel.

The service processing system 200 identifies the outbound code of the subscriber 10. The service processing system 200 obtains the riding cost of the user 10, and the service processing system 200 generates an order according to the riding cost and places the order to the digital resource transmission system 300. The digital resource transmission system 300 transfers the fee from the second target account 12 of the user 10 to the target account 21 of the merchant 20 through the second digital resource transmission channel according to the riding fee and the second authorization data.

It should be noted that the terminal device 100 loads the first page 610, and if the user 10 refuses to select the first digital resource transmission channel for payment, the terminal device 100 may jump to the first page 620 to prompt the user 10 to pay by scanning a code downwards using the second digital resource transmission channel.

It should be noted that, since the comprehensive credit data of the user is not fixed, the consultation request initiated by the service processing system 200 to the digital resource transmission system 300 about the risk of the user conducting the target transaction may be in the user registration and sign-up phase or before the user submits one or more service requests.

It should be noted that, for convenience of description only, the present application describes some steps of the method for transmitting digital resources in the present application by taking a subscription service as an example, and those skilled in the art can easily understand that some steps of the method for transmitting digital resources can also be applied to other services without departing from the core spirit of the invention described in the present application. For example, the digital resource transmission method S100 shown in fig. 1 can also be applied to a service flow of requesting a vehicle code without departing from the core spirit of the invention described in the present application.

In summary, the digital resource transmission method provided by the application, when it is identified that the user may not pay, invokes the first digital resource transmission channel with the credit investigation function of the user, forces or guides the user to pay by using the first digital resource transmission channel for users of different grades, and when the user chooses not to use the first digital resource transmission channel, guides the user to use the second digital resource transmission channel to scan the code and buy the ticket under the line, and supplements the red packet around the user 1 hair during the period, so as to ensure that the user who cannot walk the second digital resource transmission channel to perform the deduction on the line can continue to walk the second digital resource transmission channel to scan the code and buy the ticket under the line.

First, the digital resource transmission method of the application utilizes a credit payment channel which is charged with credit and has a specific chargeback mode and channel, such as a first digital resource transmission channel, as an alternative payment channel, and solves the problem that bad accounts are generated because a user forgets to pay or intentionally does not pay.

Secondly, after the user is determined to be the medium and high risk user, the user is not directly intercepted and is not allowed to take a car, but the user is provided with a plurality of schemes for selection. For example, the user can select to use the first digital payment channel to continue to take a ride first and pay later, or the user is guided to off-line to use the second digital resource transmission channel to scan the code and buy the ticket, so that the user experience is greatly improved.

And thirdly, after the user is determined to be the high-risk user, the user is provided with a first digital payment channel payment mode to continue sharing first and then paying for the bus or the high-risk user is guided to an off-line second digital resource transmission channel to scan codes and buy tickets in a small-amount red packet mode, and the user is prevented from losing to a competition payment channel.

The digital resource transmission method solves the problem that the process of the user is directly blocked in the scene of first sharing and then paying. The digital resource transmission method can reduce loss and guarantee updating and retention. The digital resource transmission method disclosed by the application gets through a plurality of systems such as a business processing system, a digital resource transmission system and a risk assessment system of a merchant.

In summary, the service processing system of the present application may formulate a payment policy according to the comprehensive credit data of the user, and when the service processing system determines that the risk of the current user is a medium-high risk but the current user can open credit payment, the service processing system instructs the terminal device to display different pages by sending different instruction signals to the terminal device, and further guides the user to a first digital resource transmission channel for credit payment or a channel for scanning code payment by using a second digital resource transmission channel offline, so that the interception accuracy of the medium-high risk user by a merchant is improved, the interference rate to the user is reduced, the loss of the user is reduced, and the user experience is improved.

In conclusion, upon reading the present detailed disclosure, those skilled in the art will appreciate that the foregoing detailed disclosure can be presented by way of example only, and not limitation. Those skilled in the art will appreciate that the present application is intended to cover various reasonable variations, adaptations, and modifications of the embodiments described herein, although not explicitly described herein. Such alterations, improvements, and modifications are intended to be suggested by this application and are within the spirit and scope of the exemplary embodiments of the application.

Furthermore, certain terminology has been used in this application to describe embodiments of the application. For example, "one embodiment," "an embodiment," and/or "some embodiments" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. Therefore, it is emphasized and should be appreciated that two or more references to "an embodiment" or "one embodiment" or "an alternative embodiment" in various portions of this specification are not necessarily all referring to the same embodiment. Furthermore, the particular features, structures, or characteristics may be combined as suitable in one or more embodiments of the application.

It should be appreciated that in the foregoing description of embodiments of the present application, various features are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the disclosure aiding in the understanding of such feature. Alternatively, various features may be dispersed throughout several embodiments of the application. This is not to be taken as an admission that any of the features of the claims are essential, and it is fully possible for a person skilled in the art to extract some of them as separate embodiments when reading the present application. That is, embodiments in the present application may also be understood as an integration of multiple sub-embodiments. And each sub-embodiment described herein is equally applicable to less than all features of a single foregoing disclosed embodiment.

In some embodiments, numbers expressing quantities or properties useful for describing and claiming certain embodiments of the present application are to be understood as being modified in certain instances by the terms "about", "approximately" or "substantially". For example, "about", "approximately" or "substantially" may mean a ± 20% variation of the value it describes, unless otherwise specified. Accordingly, in some embodiments, the numerical parameters set forth in the written description and attached claims are approximations that may vary depending upon the desired properties sought to be obtained by a particular embodiment. In some embodiments, numerical parameters should be construed in light of the number of reported significant digits and by applying ordinary rounding techniques. Notwithstanding that the numerical ranges and parameters setting forth the broad scope of the embodiments of the application are approximations, the numerical values set forth in the specific examples are reported as precisely as possible.

Each patent, patent application, publication of a patent application, and other material, such as articles, books, descriptions, publications, documents, articles, and the like, cited herein is hereby incorporated by reference. All matters hithertofore set forth herein except as related to any prosecution history, may be inconsistent or conflicting with this document or any prosecution history which may have a limiting effect on the broadest scope of the claims. Now or later associated with this document. For example, if there is any inconsistency or conflict in the description, definition, and/or use of terms associated with any of the included materials with respect to the terms, descriptions, definitions, and/or uses associated with this document, the terms in this document are used.

Finally, it should be understood that the embodiments of the application disclosed herein are illustrative of the principles of the embodiments of the present application. Other modified embodiments are also within the scope of the present application. Accordingly, the disclosed embodiments are presented by way of example only, and not limitation. Those skilled in the art can implement the present application in alternative configurations according to the embodiments of the present application. Thus, embodiments of the present application are not limited to those embodiments described with precision in the application.

Claims

1. A method for digital resource transmission based on credit data, comprising, by at least one processor:

acquiring a request of a target terminal for executing a transmission protocol submitted by a digital resource, wherein the request comprises identity information of a target user;

acquiring comprehensive credit data of the target user;

determining a target channel from a plurality of different digital resource transmission channels corresponding to the composite credit data based on the composite credit data, the composite credit data comprising credit values, the target channel comprising at least:

the system comprises a first digital resource transmission channel, a first target account, a second target account and a credit value, wherein the first digital resource transmission channel is related to the first target account, the drawing number limit of the digital resources in the first target account is a preset negative number, and the credit value indicates whether a target user has the right to open the first target account;

the second digital resource transmission channel is related to a second target account, and the drawing number limit of the digital resources in the second target account is a preset non-negative number; and

and sending an instruction signal to the target terminal, wherein the instruction signal instructs the target terminal to display a first page on a display device of the target terminal, the first page comprises a target icon, and the target icon is triggered to activate the flow of opening the target channel.

2. The method for digital resource transmission according to claim 1, wherein the first digital resource transmission channel is configured as a path for a digital resource transmission system to transmit a digital resource from the first target account of the target terminal in the digital resource transmission system to a destination account of the at least one processor based on first authorization data, and the digital resource transmission system shares credit data of the target terminal in the first target account with a third party credit investigation system.

3. The method of digital resource transmission according to claim 2, wherein the synthetic credit data includes a breach risk value, the method of digital resource transmission further comprising:

determining that the credit value is above a credit threshold and the breach risk value is above a breach threshold, or that the breach risk value is below the breach threshold;

determining that the target channel comprises the first digital resource transmission channel; and

and responding to a signal for triggering the target icon and the opening of the target channel, and acquiring first authorization data from the target terminal.

4. The method of digital resource transmission according to claim 3, further comprising, by the at least one processor:

acquiring an execution request for target operation submitted by the target terminal;

executing the target operation;

acquiring a request for ending the target operation submitted by the target terminal;

acquiring the receiving number of the digital resources corresponding to the target operation; and

and sending the charging number and the first authorization data to the digital resource transmission system, and indicating the digital resource transmission system to directly transmit the charging number of the digital resources from the first target account to the target account through the target channel.

5. The method of claim 1, wherein the second digital resource transmission channel is configured as a path for a digital resource transmission system to transmit a digital resource from the target terminal at the second target account of the digital resource transmission system to a destination account of the at least one processor based on second authorization data, the second target account being associated with a third party digital resource transmission channel.

6. The method of digital resource transmission according to claim 2, wherein the synthetic credit data includes a breach risk value, the method of digital resource transmission further comprising:

determining that the breach risk value is below a breach threshold;

determining that the target channel comprises the second digital resource transmission channel; and

and responding to a signal for triggering the target icon and the opening of the target channel, and acquiring second authorization data from the target terminal.

7. The method of digital resource transmission according to claim 6, further comprising, by the at least one processor:

executing the target operation;

and sending the receiving number and the second authorization data to the digital resource transmission system, and indicating the digital resource transmission system to directly transmit the receiving number of the digital resources from the second target account to the target account through the target channel.

8. The method of digital resource transmission according to claim 6 wherein said integrated credit data includes a breach risk value and a credit value, said method of digital resource transmission further comprising:

determining that the credit value is below a credit threshold;

determining that the default risk value is higher than a default threshold value; and

determining the target channel as the second digital resource transmission channel.

9. The method of digital resource transmission according to claim 8, further comprising, by the at least one processor:

receiving a confirmation signal which is sent by the digital resource transmission system and is used for transmitting the digital resources with the target receiving number from the second target account to the target account through the target channel; and

the target operation is executed.

10. A business processing system comprising:

at least one memory including at least one instruction set; and

at least one processor, communicatively coupled to the at least one memory, that when executed by the at least one processor performs the method of digital asset transmission according to any of claims 1 to 9.

11. A method for digital resource transmission based on credit data, comprising, by at least one processor of a terminal device:

receiving a first page request triggering operation of a target user;

sending a first page request to a target service processing system, wherein the first page request comprises identity information of a target user;

acquiring data of a first page, wherein the data of the first page is related to the comprehensive credit data of the target user; and

loading the first page according to the data of the first page, wherein the first page comprises at least one target icon, and the target icon is a target icon

Triggering the target icon to activate a process of opening a target channel, wherein the target channel comprises at least one of a first digital resource transmission channel and a second digital resource transmission channel,

the first digital resource transmission channel and the second digital resource transmission channel correspond to different composite credit data, the composite credit data including credit values,

the first digital resource transmission channel corresponds to a first target account of the target terminal in a digital resource transmission system, the drawing number limit of the digital resources in the first target account is a preset negative number, and the credit value indicates whether the target user has the right to open the first target account; and

the second digital resource transmission channel corresponds to a second target account of the target terminal in a digital resource transmission system, and the drawing number limit of the digital resources in the second target account is a preset non-negative number.

12. The method of digital resource transmission according to claim 11, wherein the first digital resource transmission channel is configured as a path for the digital resource transmission system to transmit a digital resource from a first target account of the terminal device in the digital resource transmission system to a destination account of the target transaction processing system based on first authorization data, wherein:

the minimum limit of the number of the digital resources in the first target account is a preset negative number, an

And the digital resource transmission system shares the credit data of the terminal equipment in the first target account with a third-party credit investigation system.

13. The method of digital resource transmission according to claim 12, wherein the synthetic credit data includes a breach risk value, the breach risk value being above a breach threshold and the credit value being above a credit threshold, or the breach risk value being below the breach threshold; and the at least one target icon comprises:

and triggering the first icon to activate the flow of opening the first digital resource transmission channel.

14. The method of digital resource transmission according to claim 13, further comprising:

receiving a trigger operation of the first icon from the target user; and

and acquiring the first authorization data and sending the first authorization data to the service processing system.

15. The method of digital resource transmission according to claim 14, further comprising:

generating an execution request for a target operation, wherein the execution request for the target operation comprises identification information of the target terminal; and

generating an end instruction for the target operation, wherein

The end instruction of the target operation includes identification information of the target terminal, an

And the ending instruction of the target operation instructs the target service processing system to send the receiving number of the digital resources corresponding to the target operation and the first authorization data to the digital resource transmission system.

16. The method of digital resource transmission according to claim 11, wherein the second digital resource transmission channel is configured as a path for a digital resource transmission system to transmit a digital resource from a second target account of the terminal device in the digital resource transmission system to a destination account of the target business processing system based on second authorization data, wherein

The second target account number includes at least one of the following settings:

the lowest limit of the number of the digital resources in the second target account is a preset non-negative number, an

The second target account number is associated with a third party digital resource transmission channel.

17. The method of digital resource transmission according to claim 16 wherein said consolidated credit data comprises a breach risk value and a credit value, said breach risk value being above a breach threshold and said credit value being below a credit threshold; and the at least one target icon comprises:

a second icon, wherein the second icon indicates that the target user transferred a target number of digital resources to the destination account via the second digital resource transmission channel.

18. The method of digital resource transmission according to claim 17, further comprising:

submitting a transmission request for the digital resource to the digital resource transmission system, wherein the transmission request comprises:

a charged number of digital resources corresponding to the execution of the target operation, an

Second authorisation data.

19. The method of digital resource transmission according to claim 16 wherein said composite credit data includes a breach risk value and a credit value, said breach risk value being below a breach threshold; and the at least one target icon comprises:

and triggering the third icon to activate the flow of opening the second digital resource transmission channel.

20. The method of digital resource transmission according to claim 19, further comprising:

receiving a trigger operation of the third icon from the target user; and

and acquiring second authorization data and sending the second authorization data to the service processing system.

21. The method of digital resource transmission according to claim 20, further comprising:

generating an end instruction for the target operation, wherein

And the ending instruction of the target operation instructs the target service processing system to send the receiving number of the digital resources corresponding to the target operation and the second authorization data to the digital resource transmission system.

22. A terminal device, comprising:

at least one memory including at least one instruction set; and

at least one processor communicatively coupled to the at least one memory, the at least one processor executing the at least one instruction set to perform the method of digital asset transmission according to any of claims 11 to 21.