CN114240324A

CN114240324A - Service processing method, device, computer equipment and storage medium

Info

Publication number: CN114240324A
Application number: CN202111400781.XA
Authority: CN
Inventors: 许欢
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-11-19
Filing date: 2021-11-19
Publication date: 2022-03-25

Abstract

The application relates to a service processing method, a service processing device, a computer device, a storage medium and a computer program product. The method comprises the following steps: receiving a service approval request sent by a communication operator server, wherein the service approval request comprises service object basic information and communication operation information; acquiring credit information of the service object according to the service object basic information; matching credit information of the service object with a preset access condition, if the credit information of the service object meets the preset access condition, evaluating the grade of the service object according to communication operation information and the credit information of the service object, and determining the credit line of the service object according to the grade of the service object; the credit line is positively correlated with the level of the business object; feeding back the credit line of the service object to a communication operator server; acquiring the stage information of stage products selectively purchased by a business object based on the credit line; and performing branch processing and return monitoring processing according to the staging information. The method brings convenience to the operation of the user.

Description

Service processing method, device, computer equipment and storage medium

Technical Field

The present application relates to the field of big data analysis technologies, and in particular, to a service processing method, an apparatus, a computer device, and a storage medium.

Background

With the development of internet technology, online credit has also been developed. The online credit refers to a credit mode of credit approval by online submitting credit data.

The general flow of online credit is that a business object inputs personal information on a website of a cooperative organization or a business object end of mobile equipment, the cooperative organization is authorized to inquire the personal credit information, and the cooperative organization carries out corresponding line calculation according to the inquired personal credit information, so that an applicable credit line and a fixed interest rate are provided for the business object.

However, the credit channel provided by the method is single, and the credit operation can be performed only on the network or the business object side of the cooperation institution, so that the operation scene of the user is limited, and the inconvenience is brought to the operation of the user.

Disclosure of Invention

In view of the above, it is necessary to provide a service processing method, an apparatus, a computer device, a computer readable storage medium, and a computer program product capable of providing convenient operations.

In a first aspect, the present application provides a service processing method. The method comprises the following steps:

receiving a service approval request sent by a communication operator server, wherein the service approval request comprises service object basic information and communication operation information;

acquiring credit information of the service object according to the service object basic information;

matching credit information of the service object with a preset access condition, if the credit information of the service object meets the preset access condition, evaluating the level of the service object according to communication operation information and the credit information of the service object, and determining the credit line of the service object according to the level of the service object; the credit line is positively correlated with the level of the business object;

feeding back the credit line of the service object to a communication operator server;

acquiring stage information of stage products selectively purchased by the service object based on the credit line;

and performing branch processing and return monitoring processing according to the staging information.

In one embodiment, performing branching processing according to the staging information includes: and receiving a confirmation file sent by the operator server after the delivery of the staged product is finished, and performing branch processing according to the staging information and the confirmation file.

In one embodiment, the returning monitoring processing according to the staging information includes:

receiving resource transfer details sent by the operator server after transferring corresponding quota from the service object account to the cooperation institution account on the fixed return date, wherein the operator server preferentially transfers resources from the communication account of the service object;

performing service monitoring on the service object according to the resource transfer details;

and carrying out service monitoring on the communication operator according to the staging information and the resource transfer details.

In one embodiment, the staging information includes a communication hall where the staged product is purchased and a clerk who provides business information; the service monitoring is carried out on the communication operator according to the staging information and the resource transfer details, and the method comprises at least one of the following modes;

determining overdue business objects based on the staging information and the resource transfer details;

acquiring the number of overdue business objects of the communication business hall and the salespersons;

if the number of the overdue business objects of the communication business hall is larger than the corresponding preset value, generating a risk early warning for the communication business hall, if the number of the overdue business objects of the salesperson is larger than the corresponding preset value, generating a risk early warning for the salesperson, or,

determining the business handling number of a communication business hall and a salesperson based on the staging information;

and if the business handling number of the communication business hall is greater than the corresponding threshold value, generating risk early warning for the communication business hall, and if the business handling number of the salesperson is greater than the corresponding threshold value, generating risk early warning for the salesperson.

In one embodiment, the method further comprises: and the communication business hall for early warning of the freezing risk and business handling permission of a salesperson.

In a second aspect, the present application further provides a service processing method. The method comprises the following steps:

responding to a service request triggered on an application interface of a communication operator, and acquiring basic information of a service object and communication operation information;

obtaining a determined credit line according to the communication operation information and the credit information of the service object; wherein the credit information is determined according to the basic information of the business object;

displaying an available product page, and acquiring products purchased on the basis of the available product page and an available payment mode to obtain available information, wherein the value of the purchased products is not greater than the credit line;

sending the staging information to a cooperation mechanism, and performing branch processing and return monitoring processing by the cooperation mechanism according to the staging information;

and displaying the goods picking code of the purchased product, wherein the goods picking code is used for extracting the purchased product in an operator business hall.

In one embodiment, the method further comprises: transferring the periodic return amount from the business object account to a cooperation mechanism account on a fixed return day, and sending a resource transfer detail to a mechanism server, wherein the resource transfer from the communication account of the business object is preferentially carried out; and the mechanism server monitors the service of the service object according to the resource transfer details and monitors the service of the communication operator according to the staging information and the resource transfer details.

In a third aspect, the present application further provides a service processing apparatus. The device comprises:

the service receiving module is used for receiving a service approval request sent by a communication operator server, wherein the service approval request comprises service object basic information and communication operation information;

the credit information acquisition module is used for acquiring the credit information of the service object according to the basic information of the service object;

the matching module is used for matching credit information of the service object with a preset access condition, if the credit information of the service object meets the preset access condition, evaluating the grade of the service object according to the communication operation information and the credit information of the service object, and determining the credit line of the service object according to the grade of the service object; the credit line is positively correlated with the level of the business object;

the sending module is used for feeding back the credit line of the service object to a communication operator server;

the service object is used for purchasing a product according to the credit line;

and the processing module is used for performing branch processing and return monitoring processing according to the staging information.

In a fourth aspect, the present application further provides a service processing apparatus. The device comprises:

the response module is used for responding to a service request triggered on an application interface of a communication operator and acquiring service object basic information and communication operation information;

the credit granting acquisition module is used for acquiring a determined credit granting amount according to the communication operation information and the credit information of the service object; wherein the credit information is determined according to the basic information of the business object;

the system comprises an installment processing module, a payment processing module and a payment processing module, wherein the installment processing module is used for displaying an installment product page, acquiring products bought based on the installment product page and an installment payment mode to obtain installment information, and the value of the bought products is not greater than the credit line;

the sending module is used for sending the staging information to a cooperation mechanism, and the cooperation mechanism carries out branch processing and return monitoring processing according to the staging information;

and the display module is used for displaying the goods picking codes of the purchased products, and the goods picking codes are used for extracting the purchased products in the operator business hall.

In a fifth aspect, the present application further provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program:

In a sixth aspect, the present application further provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program: responding to a service request triggered on an application interface of a communication operator, and acquiring basic information of a service object and communication operation information;

obtaining a determined credit line according to the communication operation information and the credit information of the service object;

In a seventh aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:

In an eighth aspect, the computer readable storage medium has stored thereon a computer program which, when executed by a processor, performs the steps of: responding to a service request triggered on an application interface of a communication operator, and acquiring basic information of a service object and communication operation information;

In a ninth aspect, the present application further provides a computer program product. The computer program product comprising a computer program which when executed by a processor performs the steps of:

In a tenth aspect, the present application further provides a computer program product. The computer program product comprising a computer program which when executed by a processor performs the steps of:

The service processing method, the service processing device, the computer equipment, the storage medium and the computer program product can initiate a service approval request through an application interface of an operator, combine service processing and communication operation, enable credit operation based on an operation business object end, expand an operation scene of a user, bring convenience to the operation of the user, evaluate the grade of a service object through communication operation information and credit information of the service object, calculate pre-credit access parameters, increase verification information of the service object, improve the reliability of the service object, and reduce the fraud risk of the relative service object after the reliability of the service object is improved.

Drawings

FIG. 1 is a diagram of an application environment of a method for service processing in one embodiment;

FIG. 2 is a flow diagram of a method for service processing in one embodiment;

FIG. 3 is a flow diagram of business processing in another embodiment;

FIG. 4 is a block diagram of a traffic processing apparatus in one embodiment;

fig. 5 is a block diagram showing the construction of a service processing apparatus according to another embodiment;

FIG. 6 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

The service processing method provided by the embodiment of the application can be applied to the application environment shown in fig. 1. The terminal 102 communicates with the communication carrier server 104 via a network, and the communication carrier server 104 communicates with the organization server 106. The data storage system may store data that the communication carrier server 104 and the facility server 106 need to process. The data storage system may be integrated on the communications carrier server 104 and the facility server 106, or may be located on the cloud or other network server. The mechanism server is a processing server of a using mechanism. The collaboration institution is a credit institution, such as a bank or credit company, etc.

The mechanism server receives a service approval request sent by a communication operator server, wherein the service approval request comprises service object basic information and communication operation information; acquiring credit information of the service object according to the service object basic information; matching credit information of the service object with a preset access condition, if the credit information of the service object meets the preset access condition, evaluating the grade of the service object according to communication operation information and the credit information of the service object, and determining the credit line of the service object according to the grade of the service object; the credit line is positively correlated with the level of the business object; feeding back the credit line of the service object to a communication operator server; acquiring the stage information of stage products selectively purchased by a business object based on the credit line; and performing branch processing and return monitoring processing according to the staging information. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices and portable wearable devices, and the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart car-mounted devices, and the like. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, and the like. The server 104 may be implemented as a stand-alone server or as a server cluster comprised of multiple servers.

In one embodiment, as shown in fig. 2, a service processing method is provided, which is described by taking the example that the method is applied to the mechanism server in fig. 1, and includes the following steps:

step 202, receiving a service approval request sent by a communication operator server, wherein the service approval request comprises service object basic information and communication operation information.

Wherein, the communication carrier refers to a communication service company providing a fixed phone, a mobile phone and an internet access. The five telecommunications operators in China are China telecommunications, China Mobile, China Unicom, China radio and television, and Central network respectively.

In the actual business scene, the communication operator user selects goods in the communication business hall, and uses the local number to register and log in the mobile phone business object terminal of the communication operator under the guidance of the salesman, and enters the loan application page.

Binding repayment deposit card on the communication operator mobile phone service object end page by the user, filling in basic data, carrying out identity card identification and living body detection on the service object by the communication operator mobile phone service object end, and then carrying out basic access verification; and simultaneously, transmitting the user basic data and the communication operation information based on the service object, credit investigation authorization and the like to a cooperation organization through a communication operator, and carrying out service approval by the cooperation organization, wherein the service approval is credit service approval specifically. And the mechanism server receives a service approval request sent by the communication operator server, wherein the service approval request comprises service object basic information and communication operation information.

The user basic data of the business object is business object basic information, which includes the age, sex, school calendar, location, etc. of the business object. The communication operation information comprises service object communication service consumption data, including network time, communication service package and the like.

And step S204, acquiring the credit information of the service object according to the basic information of the service object.

In this embodiment, the communication operator and the cooperative entity independently determine the admission, respectively. And the cooperation mechanism receives the loan approval request sent by the operator server, receives the service object data pushed by the operator server, and defaults to passing the communication operator admission judgment standard. In this case, the partner institution makes the following admission decisions:

further, according to a business object person credit investigation inquiry authorization protocol collected by a mobile phone business object end of a communication operator, credit investigation is carried out on the business object to obtain credit information of the business object. The credit information may be a personal credit report of the business object, such as whether the business object has a loan, whether the loan is overdue, and the like.

Step S206, the credit information of the service object is matched with the preset admission condition.

It can be understood that if the credit information of the service object does not satisfy the preset admission condition, the approval fails, and an approval failure message may be sent to the communication operator server, and the reason.

Step S208, if the credit information of the service object meets the preset admission condition, evaluating the level of the service object according to the communication operation information and the credit information of the service object, and determining the credit line of the service object according to the level of the service object; the credit line is positively correlated with the level of the business object.

The credit admission condition refers to a preset minimum requirement for giving credit qualification, such as whether overdue exists or not, the number of overdue times and the like. Specifically, the preset admission condition may set the credit information as non-overdue, or the overdue number is not more than two. And if the credit information of the business object does not accord with the credit admission condition, sending feedback that the examination and approval is not passed to the operator server.

And if the credit information of the service object meets the preset admission condition, evaluating the grade of the service object according to the communication operation information and the credit information of the service object. Business object level refers to the credit level of a business object. The higher the credit level of the business object, the higher the credit line of the business object.

In the conventional loan approval loan limit determination, only the personal credit information of the business object and the income and expenditure conditions of the business object are generally considered, and in the embodiment, the loan limit is determined by combining the communication operation information and the credit information of the business object. That is to say, in the approval mode, when the business is processed, the business object information of a single dimension is not considered any more, and the communication operation information is combined, so that the information source of the access check is increased, the reliability of the business object is improved, and the reliability of credit is further improved.

Specifically, the business object has a real trade background in the scene, and is strictly screened by the cooperation mechanism and the communication operator in the admission link, so that the lowest loan amount can be given after the business object is admitted, and the highest authorization amount of the business object is set.

On the basis, the service object level can be evaluated according to the service object communication operation information and the credit information. The communication operation information is specifically the online time of the service object in the communication operator. The credit information is credit scores given to the business objects by the cooperation mechanism, namely the business objects are graded according to the online time of the business objects in the communication operator and the credit scores given to the business objects by the cooperation mechanism, the business objects with different grades are increased on the basis of the lowest limit, and the highest limit is set under the scene of a single business object, and the specific thought is as follows:

(1) upper limit of limit

The credit line of the single business object does not exceed the set highest line (including).

(2) Business object credit level grading

The cooperative organization increases the amount of the business object according to the difference of the credit level of the business object, and specifically comprises the following steps: dividing all the business objects into two categories A and B, wherein each category is graded according to the grade of the business object and is divided into a plurality of risk increment grades; and carrying out different risk increments according to different risk increments. Meanwhile, a bottom line rule is set, and when the grade score of the business object is too low, the risk increment is refused to be given. Specifically, credit classification is carried out on the business objects according to the credit information, the business objects without overdue behaviors are divided into A classes, and the business objects with overdue behaviors are divided into B classes. In class a and B, the levels are subdivided according to the credit conditions. For example, the business object without credit record is divided into class A class first class, and the business object with one credit record is divided into class A class second class. For another example, a business object with one overdue behavior is classified into class B class one, and a business object with two overdue behaviors is classified into class B class two. And increasing the risk increment gear for each grade, wherein the risk increment gear of class A grade is the highest. By dividing credit levels, different credit information business objects can obtain different credit granting amounts. The model can be dynamically changed according to the operation condition of the product.

(3) Business object communication operation information staging

Specifically, the communication operation information of the service object may be an online time length. The communication operator divides the on-line time of the service object into a plurality of grades, transmits the related data to the cooperation mechanism, and the cooperation mechanism carries out reasonable risk increment according to the grading condition. For example, the higher the duration of the network, the higher the ranking, and the higher the credit increase obtained. By dividing the communication operation information into grades, service objects with different online time lengths can obtain different credit lines.

Step S210, the credit line of the business object is fed back to the communication operator server.

The mechanism server feeds back the credit line of the business object to the communication operator server, and the communication operator server pushes the credit line and the product with the value equivalent to the credit line value to the user terminal for the user terminal to check.

Step S212, obtaining the stage information of the stage products bought by the business object based on the credit line.

The system generates business information of the business object, including loan amount, loan installment number, commodity information, package information and other installment information, and pushes the installment information to the cooperation institution. The institution server acquires the stage information of the stage products consumed by the business object based on the loan approval.

The credit business is associated with consumption, so that the credit line is limited to be used only for purchasing products in a business hall, the loan purpose management is realized, and loan fraud is avoided.

And step S214, performing branch processing and return monitoring processing according to the staging information.

The payment process is, in particular, a payment to the communication carrier.

The service monitoring specifically monitors whether the service object is paid in time or not and whether the credit service is normally carried out by a communication operator or not, and the service object and the communication operator are monitored by using the staging information, so that the loan application of the service object can be monitored in time through data rules when the loan of the service object occurs, and the fraud phenomenon is avoided.

The service processing method can initiate a service approval request by an operator application interface, combines service processing and communication operation, enables credit operation to be carried out based on an operator service object end, expands the operation scene of a user, brings convenience to the operation of the user, and evaluates the grade of the service object by using the communication operation information and the credit information of the service object so as to calculate the pre-credit access parameter, increase the check information of the service object, improve the reliability of the service object and reduce the fraud risk.

In another embodiment, the branching processing is performed according to the staging information, and comprises: and receiving a confirmation file sent by the operator server after the delivery of the staged product is finished, and performing branch processing according to the staging information and the confirmation file.

Specifically, a mobile phone service object end of a communication operator obtains a credit line granted to a service object by a cooperation mechanism, a processable staged product is displayed to the service object at the mobile phone service object end of the communication operator, the value of the staged product does not exceed the credit line, the service object selects a corresponding product according to the self intention, the system generates staging information of the service object, the staging information comprises loan amount, loan staging number, commodity information, package information and the like, and the staging information is pushed to the cooperation mechanism.

After the service object selects the staged product, the mobile phone service object end of the communication operator generates a goods picking code. The business object can obtain the commodity by verifying the goods picking code in the store hall.

And D +1 day communication operators push service handling confirmation files to the cooperation organization after the service objects use the goods picking codes to obtain the commodities. The collaboration institution completes loan payment according to the document and commissions payment of the loan funds to the communications operator's payback account. The communication carrier sorts the loan fund to the commodity supply store according to the business document.

In another embodiment, the returning monitoring process is performed according to the staging information, and comprises the following steps: receiving resource transfer details sent by an operator server after transferring the periodic return amount from the service object account to the cooperation institution account on the fixed return date, wherein the operator server preferentially transfers resources from the communication account of the service object; performing service monitoring on the service object according to the resource transfer details; and carrying out service monitoring on the communication operator according to the staging information and the resource transfer details.

And after the credit payment is finished, the repayment condition of the business object is monitored according to the staging information.

In particular, the deduction operation is performed by the communications operator. The credit return can adopt an equal-amount original interest and cash repayment mode to support the business object to use the advanced full-amount repayment for a single payment.

The normal repayment of the business object is withheld by the communication operator according to the loan repayment list of the cooperative institution, and the advance repayment of the business object can be carried out through the mobile phone business object end of the communication operator.

Specifically, the communication operator returns the subsidy generated by the payment of the telephone fee by the service object to the personal communication account of the service object every month for returning the loan information.

Specifically, the communication operator sets the same fixed repayment date for the business object of the same province, and the loan and the interest are deducted in turn from the personal communication account of the business object and the bound bank saving card according to the repayment schedule from the fixed date in the last ten days of each month.

The monthly cooperation institution submits a repayment schedule to the communication operator, and the communication operator deducts loan interest from the personal communication account of the service object according to a fixed repayment date and transfers the loan interest to the cooperation institution; if the balance in the personal communication account of the business object is insufficient, the cooperative organization can require the communication operator to deduct funds from the debit card bound by the business object and return the funds to the current monthly balance through the deduction instruction.

In the scene, the payment date of the business object in the cooperation institution is fixed. The communication operator starts to pre-deduct the business object in fixed days in the last ten days of each month according to a repayment schedule provided by the cooperative organization.

The communication operator collects and remits the deduction fund to the cooperation institution every day, attaches a deduction result detail file and distributes the deduction result detail file to the service object loan account by the cooperation institution.

In this scenario, the customer may have the possibility of returning goods or for other reasons have a need to close the loan in advance. The collaboration institution provides early loan settlement functionality. The business object inquires the interest of the current fund through the mobile phone business object end of the communication operator, and submits a loan settlement application. Under the scene, the service object can only complete loan settlement operation through the mobile phone service object end of the communication operator.

And the cooperation mechanism monitors the business object according to the resource transfer details, and specifically monitors the business object for overdue. Wherein the overdue monitoring comprises: the client continuously accumulates the overdue times, the ratio of the client withholding failure times to the total withholding times; the overdue account of the orders of the business stores, the continuous and accumulated overdue account of the orders, the account of the batch withholding failure orders and the total withholding orders; overdue duty of salespersons, continuous and accumulated overdue order duty, batch withholding failure order and total withholding order duty; and analyzing the overdue rate and the batch deduction failure ratio of a single set of meals by taking the administrative province as a unit.

And performing service monitoring on the communication operator according to the staging information and the resource transfer details, and specifically monitoring abnormal transactions of a communication business hall and a salesperson.

By carrying out service monitoring, the credit abnormity can be timely discovered, and the reliability of credit is improved.

The system comprises a communication business hall for purchasing products in different periods and a salesman for providing business information, wherein the information of the periods comprises the communication business hall for purchasing products in different periods and the salesman for providing business information; performing service monitoring on a communication operator according to the staging information and the resource transfer details, wherein the service monitoring comprises determining overdue service objects based on the staging information and the resource transfer details; acquiring the number of business objects of a communication business hall and overdue business employees; and if the number of the overdue business objects of the communication business hall is greater than the corresponding preset value, generating a risk early warning for the communication business hall, and if the number of the overdue business objects of the salesperson is greater than the corresponding preset value, generating a risk early warning for the salesperson. Or, performing service monitoring on the communication operator according to the staging information and the resource transfer details, wherein the service monitoring comprises determining the service handling quantity of a communication business hall and a salesperson based on the staging information; and if the business handling number of the communication business hall is greater than the corresponding threshold value, generating risk early warning for the communication business hall, and if the business handling number of the salesperson is greater than the corresponding threshold value, generating risk early warning for the salesperson.

Specifically, the cooperative organization monitors the continuous overdue of the customers, the abnormal transaction amount of the business stores and the abnormal transaction time of the salesmen and the like through the collection and analysis of various data in the early stage by big data and artificial intelligence technology. The monitoring data includes: monitoring overdue data, transaction amount abnormal data and abnormal transaction time. And then generating risk early warning for the abnormal condition.

For example, if the traffic volume of a communication business hall per day breaks through its threshold, or the traffic volume of a single salesperson per day breaks through its threshold, a risk warning is generated for the communication business hall and the salesperson.

For another example, if the number of business objects in the communication business hall is greater than the preset value, or the number of business objects overdue by the salesperson is greater than the preset value, a risk early warning is generated for the communication business hall and the salesperson.

Meanwhile, different transaction time periods are set for different regions in the country, and the transaction amount peaks in abnormal time of all the regions are monitored and fed back in real time.

The risk early warning is generated by monitoring the abnormity in the service processing process, the loan quality can be continuously observed, and the risk is reduced.

Furthermore, the communication business hall with the early freezing risk warning function and business handling authority of a salesperson.

Specifically, the loan quality is continuously observed on a fixed amount basis in units of administrative provinces. And enhances the declaration and management of user signing letters, thereby reducing risks. And (4) the overdue proportion is higher and cannot be controlled according to the monthly ring ratio, the reinspection is suspended, and the wind control model is adjusted. For a severe wind control area, taking a city/channel businessman/store as a unit, splitting and summarizing loan monitoring early warning data in overdue data monitoring, positioning a bad channel businessman and a store, freezing the list authority of the store, informing the channel businessman and the store to a communication operator, detailing problems and processing opinions, negotiating punishment processing with the communication operator, and not allowing the channel businessman to restart business within half a year.

In the embodiment, when the client loan happens, the repayment condition is monitored in time through the data rules, the abnormal client data is early warned in time, and the credit safety is guaranteed.

In one embodiment, as shown in fig. 3, a service processing method is provided, which is described by taking the method as an example applied to the communication operator server in fig. 1, and includes the following steps:

step 302, responding to the service request triggered at the application interface of the communication operator, and acquiring the basic information of the service object and the communication operation information.

Binding repayment deposit card on the communication operator mobile phone service object end page by the user, filling in basic data, carrying out identity card identification and living body detection on the service object by the communication operator mobile phone service object end, and then carrying out basic access verification; and simultaneously, transmitting the user basic data and the communication operation information based on the service object, credit investigation authorization and the like to a cooperation organization through a communication operator, and carrying out service approval by the cooperation organization, wherein the service approval is credit service approval specifically.

And the mechanism server receives a service approval request sent by the communication operator server, wherein the service approval request comprises service object basic information and communication operation information.

Step S304, obtaining the determined credit line according to the communication operation information and the credit information of the business object. Wherein the credit information is determined according to the basic information of the business object.

In this embodiment, the communication operator and the cooperative entity independently determine the admission, respectively. And the cooperation mechanism receives the loan approval request sent by the operator server, receives the service object data pushed by the operator server, and defaults to passing the communication operator admission judgment standard.

Specifically, the business object has a real trade background in the scene, and is strictly screened by the cooperation mechanism and the communication operator in the admission link, so that the lowest loan amount can be given after the business object is admitted.

On the basis, the service object level can be evaluated according to the service object communication operation information and the credit information. The communication operation information is specifically the online time of the service object in the communication operator. The credit information is credit scores given to the business objects by the cooperation mechanism, namely the business objects are graded according to the online time of the business objects in the communication operator and the credit scores given to the business objects by the cooperation mechanism, the business objects with different grades are increased on the basis of the lowest limit, and the highest limit is set under the scene of a single business object.

And S306, displaying the page of the instable products, and acquiring products purchased on the basis of the page of the instable products and instable payment modes to obtain instable information, wherein the value of the purchased products is not more than the credit line.

And step S308, sending the staging information to a cooperation mechanism, and performing branch processing and return monitoring processing by the cooperation mechanism according to the staging information.

The payment process is, in particular, a payment to the communication carrier.

And S310, displaying the goods picking code of the selected product, wherein the goods picking code is used for extracting the selected product in the operator business hall.

In another embodiment, the method further comprises: transferring the periodic return amount from the business object account to a cooperation mechanism account on a fixed return day, and sending a resource transfer detail to a mechanism server, wherein the resource is preferentially transferred from the communication account of the business object; and the mechanism server performs service monitoring on the service object according to the resource transfer details and performs service monitoring on the communication operator according to the staging information and the resource transfer details.

Specifically, the service monitoring of the service object is overdue monitoring. Specifically, overdue monitoring includes: the client continuously accumulates the overdue times, the ratio of the client withholding failure times to the total withholding times; the overdue account of the orders of the business stores, the continuous and accumulated overdue account of the orders, the account of the batch withholding failure orders and the total withholding orders; overdue duty of salespersons, continuous and accumulated overdue order duty, batch withholding failure order and total withholding order duty; and analyzing the overdue rate and the batch deduction failure ratio of a single set of meals by taking the administrative province as a unit.

The method is used for monitoring the business of communication operators, in particular to monitoring abnormal transactions of communication business halls and business clerks. Specifically, the cooperative organization monitors the continuous overdue of the customers, the abnormal transaction amount of the business stores and the abnormal transaction time of the salesmen and the like through the collection and analysis of various data in the early stage by big data and artificial intelligence technology. The monitoring data includes: monitoring overdue data, transaction amount abnormal data and abnormal transaction time.

It should be understood that, although the steps in the flowcharts related to the embodiments are shown in sequence as indicated by the arrows, the steps are not necessarily executed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the above embodiments may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the present application further provides a service processing apparatus for implementing the service processing method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme described in the above method, so the specific limitations in one or more service processing device embodiments provided below may refer to the limitations on the service processing method in the foregoing, and details are not described here.

In one embodiment, as shown in fig. 4, there is provided a service processing apparatus, including: a service receiving module 402, a credit information obtaining module 404, a matching module 406, a sending module 408, an installment information obtaining module 410 and a processing module 412, wherein:

the service receiving module 402 is configured to receive a service approval request sent by a communication operator server, where the service approval request includes service object basic information and communication operation information.

And a credit information obtaining module 404, configured to obtain credit information of the service object according to the service object basic information.

The matching module 406 is used for matching the credit information of the service object with a preset access condition, if the credit information of the service object meets the preset access condition, evaluating the level of the service object according to the communication operation information and the credit information of the service object, and determining the credit line of the service object according to the level of the service object; the credit line is positively correlated with the level of the business object.

A sending module 408, configured to feed back the credit line of the service object to the communication operator server

And the staging information acquisition module 410 is configured to acquire staging information of staged products purchased by the business object based on the credit line.

And the processing module 412 is configured to perform branch processing and return monitoring processing according to the staging information.

In another embodiment, the processing module comprises a branch processing module for receiving a confirmation file sent by the operator server after the delivery of the staged product is completed, and performing branch processing according to the staging information and the confirmation file.

In another embodiment, the processing module further includes a monitoring processing module, configured to receive a resource transfer detail sent by an operator server after transferring the periodically returned quota from the service object account to the cooperation institution account on the fixed return day, where the operator server preferentially transfers resources from the communication account of the service object; performing service monitoring on the service object according to the resource transfer details; and carrying out service monitoring on the communication operator according to the staging information and the resource transfer details.

In another embodiment, the staging information comprises a communication business hall for purchasing the staged product and a salesperson providing business information, and the monitoring processing module is used for determining overdue business objects based on the staging information and the resource transfer details; acquiring the number of business objects of a communication business hall and overdue business employees; if the number of the overdue business objects of the communication business hall is larger than the corresponding preset value, generating a risk early warning for the communication business hall, and if the number of the overdue business objects of the salesperson is larger than the corresponding preset value, generating a risk early warning for the salesperson, or determining the business handling number of the communication business hall and the salesperson based on the staging information; and if the business handling number of the communication business hall is greater than the corresponding threshold value, generating risk early warning for the communication business hall, and if the business handling number of the salesperson is greater than the corresponding threshold value, generating risk early warning for the salesperson.

In another embodiment, the processing module is further used for freezing the communication business hall of the risk pre-warning and business handling authority of a salesperson.

In one embodiment, as shown in fig. 5, there is provided a service processing apparatus, including: a response module 502, a credit granting acquisition module 504, an staging processing module 506, a sending module 508 and a display module 510, wherein:

a response module 502, configured to respond to a service request triggered on a communication operator application interface, and obtain service object basic information and communication operation information.

And the credit granting acquisition module 504 is configured to acquire a determined credit granting amount according to the communication operation information and the credit information of the service object.

And the staging processing module 506 is configured to display the page of the dispatchable product, and obtain the products purchased on the basis of the page of the dispatchable product and the staging information obtained by the staging payment method, where the value of the purchased products is not greater than the credit line.

A sending module 508, configured to send the staging information to the cooperation mechanism, and the cooperation mechanism performs branch processing and return monitoring processing according to the staging information.

And the display module 510 is used for displaying the goods picking code of the purchased product, and the goods picking code is used for picking up the purchased product in the operator business hall.

In still another embodiment, the system further comprises a repayment processing module, configured to transfer the periodic return amount from the business object account to the cooperation institution account on the fixed return day, and send a resource transfer detail to the institution server, where the resource is preferentially transferred from the communication account of the business object; and the mechanism server performs service monitoring on the service object according to the resource transfer details and performs service monitoring on the communication operator according to the staging information and the resource transfer details.

The modules in the service processing device can be wholly or partially implemented by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 6. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing business data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a business process method.

Those skilled in the art will appreciate that the architecture shown in fig. 6 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the above-described method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In an embodiment, a computer program product is provided, comprising a computer program which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

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

2. The method of claim 1, wherein performing forking based on the staging information comprises: and receiving a confirmation file sent by the operator server after the delivery of the staged product is finished, and performing branch processing according to the staging information and the confirmation file.

3. The method according to claim 1 or 2, wherein performing a return monitoring process according to the staging information comprises:

4. The method of claim 3, wherein the staging information includes a communication hall where the staged product is selected and a clerk who provides business information; the service monitoring is carried out on the communication operator according to the staging information and the resource transfer details, and the method comprises at least one of the following modes;

5. The method of claim 4, further comprising: and the communication business hall for early warning of the freezing risk and business handling permission of a salesperson.

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

7. The method of claim 6, further comprising: transferring the periodic return amount from the business object account to a cooperation mechanism account on a fixed return day, and sending a resource transfer detail to a mechanism server, wherein the resource transfer from the communication account of the business object is preferentially carried out; and the mechanism server monitors the service of the service object according to the resource transfer details and monitors the service of the communication operator according to the staging information and the resource transfer details.

8. A traffic processing apparatus, characterized in that the apparatus comprises:

9. The apparatus of claim 8, wherein the processing module comprises a payment processing module for receiving a confirmation file sent by an operator server after the delivery of the staged product is completed, and performing payment processing according to the staging information and the confirmation file.

10. The apparatus according to claim 8 or 9, wherein the processing module further comprises a monitoring processing module, configured to receive a resource transfer detail sent by the operator server after transferring the corresponding amount from the service object account to the partner institution account on the fixed return date, wherein the operator server preferentially transfers the resource from the communication account of the service object; performing service monitoring on the service object according to the resource transfer details; and carrying out service monitoring on the communication operator according to the staging information and the resource transfer details.

11. The apparatus of claim 10, wherein the staging information includes a communication hall where the staged product is selected and a clerk who provides business information; the monitoring processing module is used for determining overdue business objects based on the staging information and the resource transfer details; acquiring the number of overdue business objects of the communication business hall and the salespersons; if the number of the overdue business objects of the communication business hall is larger than the corresponding preset value, generating a risk early warning for the communication business hall, and if the number of the overdue business objects of the salesperson is larger than the corresponding preset value, generating a risk early warning for the salesperson, or determining the business handling number of the communication business hall and the salesperson based on the staging information; and if the business handling number of the communication business hall is greater than the corresponding threshold value, generating risk early warning for the communication business hall, and if the business handling number of the salesperson is greater than the corresponding threshold value, generating risk early warning for the salesperson.

12. The apparatus of claim 11, wherein the processing module is further configured to freeze a communication hall of the risk pre-warning and business handling permissions of a salesperson.

13. A traffic processing apparatus, characterized in that the apparatus comprises:

14. The apparatus of claim 13, further comprising a repayment processing module for transferring the installment amount from the business object account to the partner institution account on a fixed return day, and sending a resource transfer detail to the institution server, wherein the resource transfer from the communication account of the business object is prioritized; and the mechanism server monitors the service of the service object according to the resource transfer details and monitors the service of the communication operator according to the staging information and the resource transfer details.

15. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.

16. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.

17. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 7 when executed by a processor.