CN114637509A

CN114637509A - Service processing method, device, storage medium and electronic equipment

Info

Publication number: CN114637509A
Application number: CN202011399748.5A
Authority: CN
Inventors: 陈佳星; 杨锋; 王恒康; 邵海洋
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2020-12-01
Filing date: 2020-12-01
Publication date: 2022-06-17

Abstract

The present specification discloses a service processing method, an apparatus, a storage medium and an electronic device, in an embodiment of the present specification, when generating a required service, a preset basic element corresponding to the service type is searched according to the service type of the service, a first user processes the basic element to obtain a service element, a service code of the service is generated according to the service element, and when a second user needs to execute the service, the service is executed through the service code of the service. When processing a service of a certain service type, it is only necessary to process the basic elements of the service type without adding the service code of the service type. Therefore, the development cost of the service codes is reduced, and the expansibility of the service type can be enhanced. In addition, for the services of the same service type, in order to meet different marketing requirements of the services, the method can be adopted only by carrying out different configurations on the basic elements of the same service type.

Description

Service processing method, device, storage medium and electronic equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a service, a storage medium, and an electronic device.

Background

Nowadays, with the development of economy, the business comes with a variety. But whatever the type of service has its own corresponding service code. The credit and debit services of credit cards are different, such as: loan transaction such as cash staging, bill staging, small loan, and free deposit. And the respective corresponding service codes of different loan services are naturally different.

In the prior art, the conventional credit card system only supports standardized loan services with respect to loan-type services. When a certain loan service needs to be processed, that is, the standard index of the certain loan service is changed according to a new marketing requirement, the service code corresponding to the processed loan service can be manually added in the credit card system, so that the marketing requirement of the current loan service is met.

However, under the condition that the marketing requirement of the credit card lending service is more and more abundant, the traditional credit card system needs to add a new service code each time according to different marketing requirements, which results in high development cost of the service code.

Disclosure of Invention

Embodiments of the present specification provide a service processing method and apparatus, a storage medium, and an electronic device, so as to partially solve the problems in the foregoing prior art.

The embodiment of the specification adopts the following technical scheme:

in a service processing method provided in this specification, a server agrees in advance with a first user about a transmission protocol and a data format used for a transmission service generation request, and the method includes:

the server receives a service generation request sent by the first user through the transmission protocol;

analyzing the service generation request according to the data format to acquire the service type of the service to be generated by the first user, wherein the service type is carried in a first designated field of the service generation request;

accessing a database, and searching at least one basic element which is stored in advance and corresponds to the acquired service type in the database according to the acquired service type;

sending the at least one basic element to an address of the first user carried in a second specified field of the service generation request obtained after the service generation request is analyzed;

receiving the processed basic elements returned by the first user as service elements;

generating a service code corresponding to the service according to the service element and a pre-stored component service code corresponding to each service element;

and when the service is determined to be executed for the second user according to the service element, executing the service for the second user according to the service code.

Optionally, when the service type is a loan type, the basic elements include: at least one of a borrowing element, a repayment element, a borrowing time, and a consumer merchant.

Optionally, the service element includes: the borrowing element, the repayment element, the borrowing time and the consumption merchant configured by the first user;

the first user-configured borrowing element comprises: borrowing purposes, borrowing amount and staging commission charge;

the borrowing purpose is cash loan borrowing or repayment consumption borrowing;

the borrowing quota is a borrowing quota corresponding to second users with different risks;

the first user-configured payment element comprises: repayment mode and charging;

the repayment mode is a staged repayment mode or a non-staged repayment mode.

Optionally, generating a service code corresponding to the service according to the service element and a pre-stored component service code corresponding to each service element, specifically including:

acquiring a component service code corresponding to each service element according to each received service element;

and generating a service code corresponding to the service according to the component service code corresponding to each service element.

Optionally, generating a service code corresponding to the service according to the component service code corresponding to each service element, specifically including:

determining the calling relationship between the component service codes corresponding to each service element through the incidence relationship between each service element;

and generating a service code corresponding to the service according to the calling relation among the service codes of each component.

Optionally, when it is determined that the service is executed for the second user according to the service element, executing the service for the second user according to the service code specifically includes:

when a service execution request sent by a second user is received, acquiring the current service scene of the second user according to the service execution request;

judging whether the service scene is matched with the service element of the service;

and if so, executing the service for the second user according to the service code corresponding to the service.

Optionally, the determining whether the service scene is matched with the service element of the service specifically includes:

judging whether the following conditions are met:

whether the service execution time in the service scene is matched with the borrowing time configured by the first user or not is judged;

whether the service execution location in the service scene is matched with the location of the consuming merchant configured by the first user;

whether the purpose of service execution in the service scene is matched with the borrowing purpose configured by the first user or not;

whether the amount corresponding to the risk of the second user is larger than or equal to the consumption amount of the second user or not;

if the condition of the preset number is met, determining that the service scene is matched with the service elements of the service;

and if the condition of the preset quantity is not met, determining that the service scene is not matched with the service elements of the service.

A service processing apparatus provided in this specification includes:

a first receiving module, configured to receive, by the server, a service generation request sent by the first user through the transport protocol;

the acquisition module is used for analyzing the service generation request according to the data format so as to acquire the service type of the service to be generated by the first user, wherein the service type is carried in a first designated field of the service generation request;

the searching module is used for accessing a database and searching at least one basic element which is stored in advance and corresponds to the acquired service type in the database according to the acquired service type;

a sending module, configured to send the at least one basic element to an address of the first user carried in a second specified field of the service generation request obtained after the service generation request is analyzed;

a second receiving module, configured to receive the processed basic element returned by the first user as a service element;

the generating module is used for generating service codes corresponding to the services according to the service elements and prestored component service codes corresponding to the service elements;

and the execution module is used for executing the service for the second user according to the service code when the service is determined to be executed for the second user according to the service element.

The present specification provides a computer-readable storage medium storing a computer program, which when executed by a processor, implements the service processing method described above.

The present specification provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the program, the electronic device implements the service processing method described above.

The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:

in the embodiment of the present description, when a required service is generated, according to a service type of the service, a basic element corresponding to the service type that is stored in advance is searched, a first user processes the basic element to obtain a service element, a service code of the service is generated according to the service element, and when a second user needs to execute the service, the service is executed through the service code of the service. When processing a service of a certain service type, it only needs to process the basic elements of the service type without adding the service code of the service type, thus not only reducing the development cost of the service code of the service type, but also enhancing the expansibility of the service type. In addition, for the services of the same service type, in order to meet different marketing requirements of the services, the method can be adopted only by carrying out different configurations on the basic elements of the same service type.

Drawings

The accompanying drawings, which are included to provide a further understanding of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the principles of the specification and not to limit the specification in a limiting sense. In the drawings:

fig. 1 is a schematic view of a business process flow provided by an embodiment of the present specification;

fig. 2 is a schematic structural diagram of a service processing apparatus provided in an embodiment of the present specification;

fig. 3 is a schematic structural diagram of an electronic device provided in an embodiment of this specification.

Detailed Description

In order to make the objects, technical solutions and advantages of the present disclosure more clear, the technical solutions of the present disclosure will be clearly and completely described below with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present disclosure, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.

In the embodiment of the present specification, the service to be processed is a loan service, and the loan service is different, for example: loan transaction such as cash staging, bill staging, small loan, and free deposit. However, any kind of lending service consists of two parts, namely, borrowing and repayment, wherein the borrowing part relates to borrowing purposes, different borrowing bills are generated for different purposes, and the repayment part relates to different repayment modes. When the borrowing purpose is consumption repayment of consumption type borrowing, after a borrowing user consumes in a certain merchant, the borrowing service platform can keep the consumption record of the borrowing user, and the borrowing user can select installments or non-installments. When the borrowing user selects the installment repayment, the borrowing service platform generates a corresponding borrowing sheet according to the current borrowing scene of the borrowing user while the borrowing user applies the installment success, and the borrowing sheet can be associated with each consumption record. The borrowing list comprises the contents of borrowing amount, staging commission, borrowing time and the like. After the borrowing amount is successfully paid back by the amount consumed by the borrowing user, the borrowing service platform generates a corresponding repayment bill, and the repayment bill is paid according to a different payment method.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic view of a service processing flow provided in an embodiment of the present specification, including:

s100: and the server receives a service generation request sent by the first user through the transmission protocol.

S102: and analyzing the service generation request according to the data format to acquire the service type of the service to be generated by the first user carried in a first designated field of the service generation request.

In this embodiment, the server agrees in advance with the first user about the transmission protocol and data format used for the transmission service generation request. Wherein, the transmission protocol comprises: and the transmission protocols such as TCP, UDP and HTTP specify the data format of the transmission service data. After the first user sends a service generation request to the server, the server analyzes the service generation request according to a pre-agreed transmission protocol and a corresponding data format to obtain the service type of the service to be generated. The service generation request comprises a first specified field and a second specified field, the first specified field carries the service type of the service to be generated, and the second specified field carries the address of the first user.

Further, the first user may be a developer, the service type may be a loan type, and the corresponding service to be generated is a loan service. For the loan service, the loan service can be processed according to different marketing activities in practical application so as to adapt to different loan requirements.

For example, during the "6.18" period, a bank collaborates with the XX merchant to launch an offline shopping campaign for a period of 5 days, during which the consumer may stage the payment order generated for consumption at the XX merchant for a commission fee of 0.

Before the marketing campaign is developed, the first user needs to configure the loan demand mentioned above, and generate a service code of the corresponding loan service.

Therefore, the first user sends the service generation request carrying the loan type to the server, and after receiving the service generation request sent by the first user, the server analyzes the service generation request and obtains the service type of the service to be generated.

S104: and accessing a database, and searching at least one basic element which is stored in advance and corresponds to the acquired service type in the database according to the acquired service type.

In the embodiment of the present specification, common features of each service are obtained in advance according to services of different service types, and are used as basic elements, and the basic elements of each service are associated with corresponding service types and are stored in a database. When a service code of a certain service type needs to be generated, after the service type of the service generation request is obtained through the above step S102, the basic elements associated with the service type are searched in the database according to the service type.

Specifically, when the service type is a loan type, the basic elements associated with the loan type include: at least one of a borrowing element, a repayment element, a borrowing time, and a consumer merchant. Wherein, the element of borrowing includes: the purpose of borrowing, the amount of borrowing and the periodic commission charge. The repayment element comprises: repayment mode and interest-bearing charging.

S106: and sending the at least one basic element to the address according to the address of the first user carried in a second specified field of the service generation request obtained after the service generation request is analyzed, and receiving the processed basic element returned by the first user as a service element.

In this embodiment, in step S102, after the service generation request sent by the first user is analyzed, the address of the first user is obtained, and then the basic element is sent to the address of the first user. After the first user obtains some basic elements of the service to be generated, the first user configures the basic elements, and the configured basic elements are used as service elements.

Specifically, the borrowing purposes of the borrowing elements include cash loan borrowing and repayment consumption borrowing. Wherein, cash dispensing type borrowing means directly to deposit the amount of money of will borrowing to the account that borrower appointed, and repayment consumption type borrowing means: according to the consumption record of the borrower, the borrowed amount is directly used for repaying the amount generated by the consumption of the borrower, and the borrowed amount does not need to be placed into an account of the borrower. The borrowing amount is as follows: when the client user borrows money, the risk level of a second user (namely, the client user) is determined, and according to different borrowing amount corresponding to different risk levels, the borrowing amount corresponding to the risk level of the second user is obtained. The repayment mode in the repayment element is divided into a staged repayment mode and a non-staged repayment mode. The term payment means that the borrowed money is divided into N periods for payment, and the term payment means payment at any time before a preset payment date. The interest-bearing charging in the repayment element refers to the calculation of interest and the calculation of commission charge.

Further, continuing with the above example, the loan type primitives are configured according to the "6.18" activity. The configuration results are as follows:

the borrowing purpose is as follows: repayment of a consumer loan;

and (3) carrying out periodic commission: 0;

borrowing time: 14 days in 6 months to 18 days in 6 months;

the consumption merchant: an XX merchant;

and (3) repayment mode: repayment by stages;

and (3) interest-bearing charging: interest is calculated, and the periodic handling charge is not calculated;

borrowing the amount: as in table 1.

Risk rating	Borrowing quota/yuan
		Low risk	>10000
Low to medium risk	5001～10000
		Middle risk	2000～5000
High risk	<2000

TABLE 1

S108: and generating a service code corresponding to the service according to the service element and the pre-stored component service code corresponding to each service element.

In the embodiment of the present specification, component service codes corresponding to each service element stored in advance are acquired according to each received service element, a call relationship between the component service codes corresponding to each service element is determined through an association relationship between each service element, and a service code corresponding to a service to be generated, that is, a service code of a loan service in a period of "6.18", is generated according to the call relationship between each component service code.

Specifically, for each service element, a component service code corresponding to the service element is pre-stored, and according to the association relationship between each service element, the first user may further configure a call relationship between the component service codes corresponding to each service element.

Further, the repayment mode in the above example is associated with the interest calculation charging, that is, the installment repayment corresponds to the method of calculating interest and installment fee of installment repayment, and the non-installment repayment corresponds to the method of calculating interest of non-installment repayment. The developer can configure the calling relationship between the component service codes corresponding to the repayment mode and the component service codes corresponding to the charging. In addition, when the client user executes the loan service, the current service scenario of the client user needs to be judged, component service codes related to the loan need to be called during the judgment, and the calling relationship also needs to be configured by a developer.

S110: and when the service is determined to be executed for the second user according to the service element, executing the service for the second user according to the service code.

In this embodiment of the present specification, when a service execution request sent by a second user is received, a current service scenario of the second user is obtained according to the sent service execution request. And judging whether the current service scene is matched with the service elements of the configured service, and if so, determining that the service which needs to be executed by the second user currently is the configured service. And executing the service for the second user according to the service code corresponding to the configured service.

Wherein, determining whether the service scene of the service requested to be executed by the second user matches with the service element of the configured service, may determine whether the following conditions are satisfied:

judging whether the service execution time in the service scene is matched with the borrowing time configured by the first user or not;

determining the place of a consumption merchant corresponding to the consumption merchant configured by the first user, and judging whether the service execution place in the service scene is matched with the place of the consumption merchant configured by the first user;

judging whether the service execution purpose in the service scene is matched with the borrowing purpose configured by the first user or not;

determining the risk of the second user, searching the borrowing amount corresponding to the risk of the second user according to the risk of the second user, and judging whether the borrowing amount of the second user is larger than or equal to the consumption amount of the second user or not according to the borrowing amount corresponding to the risk of the second user;

if the preset number condition is met, determining that the service scene of the service requested by the second user is matched with the service element of the configured service; and if the preset quantity condition is not met, determining that the service scene requested by the second user is not matched with the service element of the configured service.

Specifically, continuing with the above example, the borrowing time, the place of the consuming merchant, the borrowing purpose and the consumption amount of the user a in the current service scene of the user a (the second user) are obtained, whether the borrowing time of the service scene of the user a is between 6 months 14 days and 6 months 18 days is judged, according to the current place of the consuming merchant of the user A, searching the current consuming merchant of the user A, judging whether the consuming merchant of the business scene of the user A is an XX merchant or not, judging whether the borrowing purpose of the business scene of the user A is repayment of consumption type borrowing or not, firstly determining the risk level of a second user, according to the risk level of the user A and the corresponding relation between the different pre-configured risk levels and the borrowing amount, the borrowing amount corresponding to the risk level of the user A is searched, and whether the borrowing amount of the user A in the business scene of the user A is larger than or equal to the consumption amount of the user A is judged. If the preset number is 3, that is, the above-mentioned judgment condition is satisfied by any 3, it may be determined that the service currently requested to be performed by the user a is the loan service during the period of "6.18". User a may enjoy the benefit of the "6.18" event, i.e., the 0 commission minutes.

As can be seen from the method shown in fig. 1, in the present specification, when a required service is generated, according to a service type of the service, a preset basic element corresponding to the service type is searched, a first user processes the basic element to obtain a service element, a service code of the service is generated according to the service element, and when a second user needs to execute the service, the service is executed through the service code of the service. When a service of a certain service type is added, the service code of the service type is not required to be added, and only the basic elements of the service type are required to be processed, so that the development cost of the service code is reduced, and the expansibility of the service type is enhanced. The basic elements of the service type are configured differently according to the requirements of the actual application. In addition, for the services of the same service type, in order to meet different marketing requirements of the same service, only different configurations need to be performed on the basic elements of the same service type, or only the basic elements in the same service type are added, and the complete service code of the loan service meeting the marketing requirements does not need to be added.

Based on the same idea, the service processing method provided by the embodiment of the present specification further provides a corresponding apparatus, a storage medium, and an electronic device.

Fig. 2 is a schematic structural diagram of a service processing apparatus provided in an embodiment of this specification, where the apparatus includes:

a first receiving module 201, configured to receive, by the server, a service generation request sent by the first user through the transmission protocol;

an obtaining module 202, configured to parse the service generation request according to the data format, so as to obtain a service type of a service to be generated by the first user, where the service type is carried in a first specified field of the service generation request;

the searching module 203 is used for accessing a database and searching at least one basic element which is stored in advance and corresponds to the acquired service type in the database according to the acquired service type;

a sending module 204, configured to send the at least one basic element to the address according to the address of the first user carried in a second specified field of the service generation request obtained after the service generation request is analyzed;

a second receiving module 205, configured to receive the processed basic element returned by the first user as a service element;

a generating module 206, configured to generate a service code corresponding to the service according to the service element and a component service code corresponding to each service element stored in advance;

and the executing module 207 is configured to execute the service for the second user according to the service code when it is determined that the service is executed for the second user according to the service element.

the first user-configured borrowing element comprises: borrowing purposes, borrowing amount and staging commission;

the borrowing purpose is cash loan or repayment consumption loan;

the repayment mode is a staged repayment mode or a non-staged repayment mode.

Optionally, the generating module 206 is specifically configured to, according to each received service element, obtain a component service code corresponding to each service element;

Optionally, the generating module 206 is specifically configured to determine, through an association relationship between each service element, a call relationship between component service codes corresponding to each service element;

and generating a service code corresponding to the service according to the calling relationship among the service codes of each component.

Optionally, the executing module 207 is specifically configured to, when a service execution request sent by a second user is received, obtain a current service scenario of the second user according to the service execution request;

Optionally, the executing module 207 is specifically configured to determine whether the following conditions are met:

The present specification also provides a computer-readable storage medium storing a computer program, which when executed by a processor can be used to execute the service processing method provided in fig. 1.

Based on the prediction method of the motion trajectory shown in fig. 1, the embodiment of the present specification further provides a schematic structural diagram of the unmanned device shown in fig. 3. As shown in fig. 3, the drone includes, at the hardware level, a processor, an internal bus, a network interface, a memory, and a non-volatile memory, although it may also include hardware required for other services. The processor reads a corresponding computer program from the non-volatile memory into the memory and then runs the computer program, so as to implement the service processing method described in fig. 1.

Of course, besides the software implementation, the present specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may be hardware or logic devices.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the various elements may be implemented in the same one or more software and/or hardware implementations of the present description.

As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

This description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement or the like made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.

Claims

1. A service processing method, wherein a server has a pre-agreement with a first user about a transmission protocol and a data format used for transmitting a service generation request, the method comprising:

analyzing the service generation request according to the data format to acquire the service type of the service to be generated by the first user carried in a first designated field of the service generation request;

2. The method of claim 1, wherein when the service type is a loan type, the primitives comprise: at least one of a borrowing element, a repayment element, a borrowing time, and a consumer merchant.

3. The method of claim 2, wherein the service element comprises: the borrowing element, the repayment element, the borrowing time and the consumption merchant configured by the first user;

the borrowing purpose is cash loan or repayment consumption loan;

the repayment mode is a staged repayment mode or a non-staged repayment mode.

4. The method according to claim 1, wherein generating the service code corresponding to the service according to the service element and a component service code corresponding to each service element stored in advance includes:

5. The method according to claim 4, wherein generating the service code corresponding to the service according to the component service code corresponding to each service element specifically comprises:

6. The method according to claim 3, wherein when it is determined that the service is executed for a second user according to the service element, executing the service for the second user according to the service code specifically includes:

when a service execution request sent by a second user is received, acquiring a current service scene of the second user according to the service execution request;

and if the first user is matched with the second user, executing the service for the second user according to the service code corresponding to the service.

7. The method according to claim 6, wherein determining whether the service scene matches the service element of the service comprises:

judging whether the following conditions are met:

8. A traffic processing apparatus, comprising:

the generating module is used for generating service codes corresponding to the services according to the service elements and the prestored component service codes corresponding to the service elements;

9. A computer-readable storage medium, characterized in that the storage medium stores a computer program which, when executed by a processor, implements the method of any of the preceding claims 1-7.

10. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1-7 when executing the program.