CN114936859A

CN114936859A - Resource data processing method and device

Info

Publication number: CN114936859A
Application number: CN202210705884.5A
Authority: CN
Inventors: 乔丹
Original assignee: Rajax Network Technology Co Ltd
Current assignee: Rajax Network Technology Co Ltd
Priority date: 2022-06-21
Filing date: 2022-06-21
Publication date: 2022-08-23

Abstract

The application discloses a resource data processing method, a device and equipment, comprising the following steps: displaying a transaction mode entry for the prepaid object, the transaction mode entry including at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal including at least a first portion of payment resources for transacted full funds for the prepaid money object; when the user finishes the payment of the first payment entrance, an offline reservation entrance or an offline resource contact entrance is generated; acquiring store-arriving service information related to the prepaid orders, and generating a second payment entrance when the store-arriving service information is changed, wherein the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the full funds of the transaction. By adopting the method, the order conversion rate is improved.

Description

Resource data processing method and device

Technical Field

The present application relates to the field of data processing technologies, and in particular, to a resource data processing method, device and apparatus. The application also relates to another resource data processing method, device and equipment.

Background

With the development of the internet, online transaction modes are more and more diversified, and online transaction offline approval is one of important transaction modes. The online transaction offline verification is that abundant content information of merchants and services is provided for users through an online platform, and the users go to offline stores to obtain actually provided goods or services.

At present, in online trading of offline goods or services, goods or services which need to provide personalized schemes for users occupy a considerable proportion, and the price and/or the user decision of the goods or services depend on specific schemes made by the users when the users go to offline stores for verification and sale. For example, services in the medical and cosmetic industry often rely on a customized plan when a user visits a store. The price of such goods or services relates to a specific scheme, and the unit price of the goods or services is often higher, and the role of the payment scheme in the decision making of the users of such goods or services is particularly remarkable and becomes an important factor influencing the conversion rate of orders.

Therefore, how to provide a more appropriate payment scheme to improve the order conversion rate is a problem to be solved.

Disclosure of Invention

The resource data processing method provided by the embodiment of the application improves the order conversion rate.

The embodiment of the application provides a resource data processing method, which comprises the following steps: displaying transaction pattern entries for the prepaid items, the transaction pattern entries including at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal includes at least a first partial payment resource for transacted full funds for the prepaid money object; when the user finishes the payment of the first payment entrance, an offline reservation entrance or an offline resource contact entrance is generated; acquiring the service information of the arrival store related to the prepaid order, and generating a second payment entrance when the service information of the arrival store is changed, wherein the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the full funds of the transaction.

Optionally, the obtaining of the service-to-store information related to the prepaid order includes: generating store-to-store service information of the prepaid order at the corresponding offline store based on the offline reservation entrance or the offline resource contact entrance; or determining that the user arrives at an offline store corresponding to the prepaid order, and generating the service information of the arriving store.

The method further comprises the following steps: when at least one of the following information of the user in the off-line store is acquired, judging that the store-to-store service information is changed: the system comprises information of the behavior of the user, information of user reception, information of trial use related to the prepaid money object, consulting information corresponding to the prepaid money object and implementation information corresponding to the prepaid money object.

Optionally, the method further includes: after the user completes payment of the first payment entrance, sending payment prompting information for prompting payment of the second part of payment resources to a store to the user according to the certificate period of the prepaid certificate of the prepaid order, and displaying the service information of the available offline store and the available offline store of the prepaid certificate based on the payment prompting information; and/or displaying an available offline store of the prepaid voucher and service information of the available offline store on an order page of the prepaid order.

Optionally, the service information of the available offline store includes at least one of the following information: the prepaid account object comprises verification information and/or usage advice information associated with the prepaid account object, offline reservation entrance information and/or offline consultation entrance information of the available offline store, and service flow information and/or professional service personnel information provided by the available offline store for the prepaid account object.

Optionally, the method further includes: providing a staged settlement option prior to displaying the transaction mode portal or at a display interface of the transaction mode portal; wherein the staged settlement option is selected to display a first portion of payment resources for the complete funds for the transaction and a second portion of payment resources for the complete funds for the transaction; the staged settlement option displays the transaction complete funds when not selected, and a one-time settlement entry for triggering one-time settlement based on the transaction complete funds.

Optionally, the method further includes: when the staged settlement option is selected, displaying candidate payment modes of the first settlement stage; completing the payment of the first payment entrance according to a first payment mode selected by the user from the candidate payment modes of the first settlement stage; wherein the candidate payment mode of the first settlement stage comprises one-time payment and/or installment payment.

Optionally, the method further includes: displaying the candidate payment modes of the second settlement stage; completing the payment of the second payment entrance according to a second payment mode selected by the user from the candidate payment modes in the second settlement stage; and the candidate payment modes of the second settlement stage comprise one-time payment and/or staged payment.

Optionally, the method further includes: and determining an object capable of performing staged settlement as the prepay money object based on the price threshold value associated with the object and the prepay rule.

Optionally, the determining, based on the price threshold associated with the object and the prepaid rule, an object that can be settled in stages as the prepaid fund object includes: determining an object category associated with the object; taking a category price threshold of the object category as a price threshold associated with the object, and taking a category prepayment rule matched with the object category as a prepayment rule associated with the object; identifying the object as a prepaid object if the price of the object is greater than the price threshold associated with the object, determining a first portion of the payment resources for the prepaid object according to the prepaid rules associated with the object.

Optionally, the method further includes: determining the second portion of payment resources based on offer data associated with the prepaid object; and the discount data associated with the prepayment object is determined based on the platform discount data and/or the store discount data associated with the prepayment object.

The embodiment of the present application further provides another resource data processing method, including: determining a prepaid fund object capable of settling in stages based on the price threshold value associated with the object and a prepaid rule; detecting that a user selects staged settlement for a target object in the prepaid money objects, forming transaction mode entries of the prepaid money objects and displaying the transaction mode entries on a first page, wherein the transaction mode entries at least comprise a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal comprises at least a first partial payment resource of a transaction complete fund of the target object; generating a second settlement stage entrance for triggering a second settlement stage in response to the user completing the payment of the first payment entrance, and displaying the second settlement stage entrance on a second page; determining that the store-to-store service information associated with the prepaid order has changed and detecting that the second settlement stage entry is triggered, generating a second payment entry for a second portion of payment resources for the full funds for the transaction, the second payment entry being a user order for a second settlement stage; and the user order payment is completed and comprises verification and cancellation data used for verifying and canceling in a transaction link of the prepaid money object.

Optionally, the method further includes: acquiring information of object categories, and determining target categories for starting prepaid function in the object categories; setting a category price threshold for the target category; the determining prepaid fund objects that can be settled in stages based on price thresholds and prepaid rules associated with the objects includes: taking the object associated under the target category as a candidate object; taking the category price threshold of the target category as a price threshold associated with the candidate object; identifying the candidate object as the prepaid fund object if the price of the candidate object is greater than the category price threshold.

Optionally, the method further includes: setting category prepayment rules for the target categories; the determining prepaid fund objects that can be settled in stages based on price thresholds and prepaid rules associated with the objects includes: using said category prepayment rule as said candidate said associated prepayment rule; determining a first portion of payment resources for the prepaid money object in accordance with the category prepaid rule if the candidate object is identified as a prepaid money object.

Optionally, the method further includes: obtaining discount data associated with a candidate object, and determining the after-discount price of the candidate object according to the discount data; and if the preferential price is not less than the price threshold value associated with the candidate object, taking the candidate object as a prepaid money object capable of being settled in stages.

Optionally, if the preferential price is not less than the price threshold, regarding the candidate object as a prepaid money object capable of being settled in stages, including: if the offer price is not less than the price threshold, and the candidate object is not associated with any of the following marketing messages: and if the credit group purchase package information, the effective group combining information, the pre-selling information or the specified marketing activity information is received, the candidate object is used as a pre-payment object capable of settling accounts in stages.

Optionally, the method further includes: platform preference data associated with the target object and/or store preference data to which the target object belongs are acquired, and preference data associated with the target object are determined according to the platform preference data and/or the store preference data; and determining the second part of payment resources of the target object according to the discount data associated with the target object, the first part of payment resources of the target object and the transaction complete fund of the target object.

Optionally, the determining that the store-to-store service information related to the prepaid order is changed includes: determining that the store-to-store service information related to the prepaid order is changed when at least one of the following information of the user at an online store corresponding to the prepaid order is acquired: the system comprises information of the behavior of the user, user reception information, trial information related to the prepaid fund object, consultation information corresponding to the prepaid fund object and implementation information corresponding to the prepaid fund object.

An embodiment of the present application further provides a resource data processing apparatus, including: a first payment entry unit for displaying a transaction mode entry for the prepaid money object, the transaction mode entry including at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal includes at least a first partial payment resource for transacted full funds for the prepaid money object; the reservation entrance unit is used for generating an off-line reservation entrance or an off-line resource contact entrance after the user finishes the payment of the first payment entrance; a second payment entrance unit, configured to generate a second payment entrance when the store arrival service information changes, where the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the transaction complete funds.

An embodiment of the present application further provides a resource data processing apparatus, including: a prepaid money object determination unit for determining a prepaid money object that can be settled in stages based on a price threshold value and a prepaid rule associated with the object; a first settlement stage unit, which is used for detecting that a user selects staged settlement for a target object in the prepaid money objects, forming a transaction mode entry of the target object and displaying the transaction mode entry on a first page, wherein the transaction mode entry at least comprises a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal comprises at least a first partial payment resource of a transaction complete fund of the target object; the second settlement stage entrance unit is used for responding to the payment of the first payment entrance completed by the user, generating a second settlement stage entrance used for triggering a second settlement stage, and displaying the second settlement stage entrance on a second page; a second settlement stage unit for determining that the store-to-store service information related to the prepaid order is changed, and detecting that the second settlement stage entry is triggered, generating a second payment entry for a second portion of payment resources of the transaction full funds, the second payment entry being a user order of a second settlement stage; the user order payment is completed including underwriting data for underwriting in a transaction link of the prepaid money object.

An embodiment of the present application further provides an electronic device, including: a memory, and a processor; the memory is used for storing a computer program, and the computer program is executed by the processor to execute the method provided by the embodiment of the application.

The embodiment of the present application further provides a storage device, in which a computer program is stored, and after the computer program is run by a processor, the method provided in the embodiment of the present application is executed.

Compared with the prior art, the method has the following advantages:

according to the resource data processing method, the device and the equipment, the transaction mode entrance of the prepaid money object is displayed, and the transaction mode entrance at least comprises a first payment entrance; wherein the first payment entrance is a prepaid order of a first settlement stage of the prepaid money object; the first payment portal including at least a first portion of payment resources for transacted full funds for the prepaid money object; when the user finishes the payment of the first payment entrance, an off-line reservation entrance or an off-line resource contact entrance is generated; acquiring the service information of the arrival store related to the prepaid order, and generating a second payment entrance when the service information of the arrival store is changed, wherein the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the full funds of the transaction. Thereby providing a prepaid transaction scheme with staged settlement. In the transaction scheme, a user can know a first part of prepaid payment resources through a displayed prepaid order in a first settlement stage, pay prepaid money (namely the first part of payment resources) through a first payment entrance and then generate an offline reservation entrance or an offline resource contact entrance, and change the service information from the user to a store to generate a payment tail (namely the second part of payment resources) of a second payment entrance, so that the decision cost of the user can be reduced, and the order conversion rate can be improved. Further, since the second portion of payment resources is determined based on the discount data associated with the prepaid object, locking of the discount data associated with the prepaid object at the first settlement stage is facilitated, enabling the user to complete the entire transaction of the prepaid object based on the discount data of the marketing campaign with which the prepaid object has been associated at the first settlement stage, thereby enabling the user to be attracted and the order conversion rate to be better.

According to the resource data processing method, the device and the equipment, the prepaid fund object capable of settling in stages is determined based on the price threshold value associated with the object and the prepaid rule; detecting that a user selects staged settlement for a target object in the prepaid money objects, forming transaction mode entries of the target object and displaying the transaction mode entries on a first page, wherein the transaction mode entries at least comprise a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal comprises at least a first partial payment resource of a transaction complete fund of the target object; generating a second settlement stage entrance for triggering a second settlement stage in response to the user completing the payment of the first payment entrance, and displaying the second settlement stage entrance on a second page; determining that the store-to-store service information associated with the prepaid order has changed and detecting that the second settlement stage entry is triggered, generating a second payment entry for a second portion of payment resources for the full funds for the transaction, the second payment entry being a user order for a second settlement stage; the user order payment is completed and includes verification and cancellation data for verifying and canceling in the transaction link of the prepaid money object, thereby providing a staged settlement prepaid money transaction scheme. In the transaction scheme, the prepayment objects are determined according to the price threshold and the prepayment rules, so that prepayment transaction links can be provided for objects with higher prices conveniently; the user can pay the prepayment money when placing the order, and the payment of the payment can be finished through the second payment entrance after the user arrival service information is obtained, so that the decision cost of the user can be reduced. The user pays the prepaid fee when placing the order, thereby facilitating the locking of the preferential price corresponding to the one-time settlement when placing the order and facilitating the determination of the amount of the prepaid fee at the preferential price. Further, since the second portion of payment resources is determined based on the offer data associated with the target object, use of the offer data for the marketing campaign with which the target object has been associated is facilitated. Thereby attracting users and improving the order conversion rate.

Drawings

Fig. 1 is a processing flow chart of a resource data processing method according to a first embodiment of the present application;

FIG. 2 is a schematic diagram of interaction between pages included in an embodiment of resource data processing according to a first embodiment of the present application;

FIG. 3 is a flowchart illustrating a resource data processing method according to a second embodiment of the present application;

FIG. 4 is a diagram of a resource data processing apparatus according to a fourth embodiment of the present application;

FIG. 5 is a diagram of a resource data processing apparatus according to a fourth embodiment of the present application;

fig. 6 is a schematic diagram of an electronic device provided herein.

Detailed Description

In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application. This application is capable of implementation in many different ways than those herein set forth and of similar import by those skilled in the art without departing from the spirit of this application and is therefore not limited to the specific implementations disclosed below.

The embodiment of the application provides a resource data processing method and device, electronic equipment and storage equipment. The embodiment of the application also provides another resource data processing method and device, electronic equipment and storage equipment. The following examples are individually set forth.

In practical applications, the payment scheme is very important for online trading of goods or services which are underwritten offline and have higher customer prices, and is an important factor influencing user decision of such goods or services. The payment scheme, which is flexible and actually benefits the user, attracts the user and can improve the order conversion rate. The resource data processing method provided by the embodiment of the application provides a prepaid money transaction scheme for staged settlement, wherein in the scheme, transaction mode entries of prepaid money objects are displayed, and the transaction mode entries at least comprise a first payment entry; the first payment portal is a prepaid order at a first settlement stage of the prepaid money object; (ii) a The first payment portal includes at least a first partial payment resource for transacted full funds for the prepaid money object; when the user finishes the payment of the first payment entrance, an offline reservation entrance or an offline resource contact entrance is generated; and after acquiring at least part of the in-store service information related to the prepaid order, generating a second payment entrance when the in-store service information is changed, wherein the second payment entrance is a user order of the prepaid object in a second settlement stage, and in the second settlement stage, paying for a second part of payment resources of the complete fund of the transaction with the prepaid object, and the user order after payment is completed comprises the verification and cancellation data. Because the user can lock the preferential data of the prepayment object in the first settlement stage, the user can be helped to make a decision, and the decision cost of the user is reduced.

The resource data processing method according to the first embodiment of the present application is described below with reference to fig. 1 and fig. 2. The resource data processing method shown in fig. 1 includes: step S101 to step S103.

Step S101, displaying a transaction mode entrance of a prepaid money object, wherein the transaction mode entrance at least comprises a first payment entrance; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal includes at least a first partial payment resource for transacting full funds for the prepaid money object.

The object refers to a commodity or service that can be obtained by the user through an online transaction, and in the embodiment, particularly refers to a commodity or service that the user obtains from an online store. For example, a certain item of medical and beauty merchandise that can be purchased by a user of an online platform or a small program exhibition of a medical and beauty store is an object, which can be a service provided for the user or a specific product, wherein the online platform can be understood as an application running on a terminal. The transaction mode is especially the settlement method used by the user to obtain the object from the merchant. The user may obtain the object from the merchant using different transaction patterns, for example, a one-time settlement approach or a staged settlement approach. The staged settlement refers to a plurality of settlement steps for the object of the transaction, and includes a first settlement step and at least one second settlement step. The first settlement stage is a settlement stage of a first part of payment resources for paying the transaction complete funds of the object when placing an order for the object, and the first part of payment resources can be understood as prepaid resource data of the object. The at least one second settlement stage is one or more settlement stages for paying a second part of payment resources of the transaction complete funds of the object after the first part of payment resources are paid, and the second part of payment resources can be understood as the remaining resource data due to the object. Specifically, the prepaid resource data may be understood as prepaid money, and the remaining resource due data may be understood as a payment due when the user goes to a store for approval. The payment is the money which is not settled when the order is placed and needs to be paid when the user actually obtains the object. The object of the transaction flow can be realized by a transaction mode of staged settlement, and the transaction flow of the prepaid money object can be realized by paying a first part of payment resources of the prepaid money object in a first settlement stage and paying a second part of payment resources in a second settlement stage. The one-time settlement refers to that the transaction complete funds of the object are paid for the object of the transaction at one time, namely, the payment required by the user to actually obtain the object is paid to the merchant at one time.

In this embodiment, an object satisfying a specific condition is identified as a prepaid object, and preferably, a product or service having a higher customer order is generally identified as a prepaid object. For example, an object exceeding a preset price threshold is used as a prepaid object to realize its transaction in a transaction mode of staged settlement. And displaying the selectable candidate objects for the user, wherein the selectable candidate objects can comprise at least one prepay object. The prepaid object may be in a transaction mode of at least a staged settlement, but may be in a transaction mode of a one-time settlement or other settlement method.

This step is a transaction mode entry that displays the prepaid object. The transaction mode entry refers to an entry used for triggering entry of a transaction link corresponding to a transaction mode for realizing a transaction flow aiming at an object when a user selects and purchases the object online through a terminal application (such as a display platform, an applet and the like), and different transaction modes can correspond to different transaction mode entries. The transaction pattern entry may be implemented as a triggerable element or a triggerable area, leading to a corresponding page by trigger information. For example, the first payment portal may be a prepaid order corresponding to a first settlement stage of the staged settlement, which may be embodied as an operable prepaid order control leading to or associated with a prepaid order page or prepaid order placement page, and may also be embodied as a prepaid order display area displaying prepaid order information and a payment control triggering the prepaid order information. For another example, the transaction mode entry corresponding to the one-time settlement method may be an entry of a shopping cart into which the object corresponds, and the one-time settlement of the object may be performed through the shopping cart or the consolidated settlement of the object and other objects may be performed. For another example, the transaction mode entry corresponding to the one-time settlement mode may be a one-time settlement user order. Preferably, the transaction mode entry of the prepaid money object is displayed on a first page, which may be a prepaid order page to be paid, an item list page, an item detail page, or a search result list page including the prepaid money object. In practice, one or more transaction pattern entries may be displayed for a prepaid money object, with different transaction pattern entries corresponding to different transaction patterns of the prepaid money object. For example, a first payment entrance for the prepaid money object is displayed, and further, at least one of a one-time settlement entrance and another entrance, which may be a group purchase entrance, may be displayed. Further, the transaction mode entry for displaying prepaid money objects includes: and displaying the first part of payment resources and the second part of payment resources of the prepaid money object in association with the first payment entrance, thereby helping a user to make a decision for selecting a proper transaction mode. For example, an entry leading to a prepaid order placing page is displayed on a product detail page of a prepaid object, and a first part and a second part of payment resources of the prepaid object are displayed at the same time to help a user decide whether to choose to enter a staged settlement entry or to choose another entry such as a shopping cart entry, and if so, the prepaid object is added to the shopping cart, and further, a purchase can be selected in the shopping cart.

In this step, the method may further include: first payment entries for prepaid money objects may be formed, and in particular, corresponding first payment entries may be formed for each prepaid money object in the first page. For example, a specific interface element of a commodity detail page of the prepaid money object is generated, event processing logic corresponding to the specific interface element is to directly jump to a lower order page after being triggered, staged settlement information of the prepaid money object is displayed on the lower order page, user behavior information corresponding to staged settlement can be received, and a user is guided to carry out staged settlement, wherein the specific interface element is a staged settlement entrance. Wherein the staged settlement information comprises at least a first portion of payment resources and a second portion of payment resources. Of course, the information of the one-time settlement mode and the option for selecting between the staged settlement and the one-time settlement can be displayed on the ordering page, so that the opportunity for selecting between the staged settlement and the one-time settlement is provided for the user, and the settlement of the user is more convenient.

The method further comprises the step of determining a prepaid money object, specifically, determining an object capable of performing staged settlement as the prepaid money object based on a price threshold value associated with the object and a prepaid rule. Preferably, before determining the prepaid money objects that can be settled in stages based on the price threshold value and the prepaid rule associated with the object, the method further comprises: determining that a prepay function is activated for an object or for an object category associated with the object. Wherein the determining an object for settleable settlement in stages based on the price threshold and the prepayment rule associated with the object as the prepayment object comprises: determining an object category associated with the object; taking the category price threshold value of the object category as the price threshold value associated with the object, and taking the category prepayment rule matched with the object category as the prepayment rule associated with the object; identifying the object as a prepaid object if the price of the object is greater than the price threshold associated with the object, determining a first portion of the payment resources for the prepaid object according to the prepaid rules associated with the object. The category price threshold is a price threshold which is preset for the object category and is used for judging whether the object associated under the category can be used as a prepayment object or not. The category prepayment rule is a prepayment rule which is preset for the object category and is used for determining prepayment occupation ratio of prepayment objects under the category. In practice, the category price threshold and/or the category prepaid rule may be configured by the online platform for an object category with a prepaid object tagging rule for determining whether an object associated under the object category is a prepaid object. The object related to the object class refers to a commodity or a service published under the object class. The prepaid object tagging rules for an object category are generic prepaid object tagging rules that are applied to the objects under an object category without differentiating merchants or stores. The prepaid money object marking rule at least comprises two parts of information: a category price threshold, and a category prepayment rule, wherein objects exceeding the category price threshold are labeled prepay objects, and the category prepayment rule specifies a proportion of the first portion of payment resources in the transaction's full funds. The category price threshold value of the general prepayment object labeling rule and the content of the category prepayment rule are set by the online platform aiming at the object category. The first part of payment resources can be understood as prepaid money paid in the first settlement stage when the user places an order after purchasing the prepaid money object. Wherein the object category may be understood as a commodity category or a commodity leaf category in the platform providing the object transaction link. Preferably, the platform activates the prepaid function according to the commodity leaf category, and configures a price threshold for each commodity leaf category. For example, the dental care category of the platform is a commodity leaf category, if the corresponding price threshold is set to be M yuan and the prepaid fee proportion is N%, each dental care service item of each merchant providing the dental care item of the platform is identified as a prepaid fee object if the price threshold exceeds M yuan, and the prepaid fee is N% of the total amount of the corresponding dental care service item. M, N can be adjusted to fit data according to industry operating conditions. The prepaid money objects are determined by uniformly configuring the general prepaid money object marking rules for the object categories through the platform, so that merchants do not need to repeatedly release commodities, and released existing commodities can be directly converted into prepaid money objects subjected to staged settlement from full-payment mode objects subjected to one-time settlement.

Of course, in practical application, the steps may be implemented in different ways. For example, in one embodiment, a special prepaid object tagging rule is set for each entity object of the platform. The entity object may be understood as an entity that provides an object to a user through a platform, for example, a merchant residing in the platform. The special prepaid object tagging rule is different from the general prepaid object tagging rule with respect to the general prepaid object tagging rule, and is effective for a commodity or service of a physical object, and is similar to the general prepaid object tagging rule, and includes at least a price threshold and a prepaid rule. The special prepayment object marking rule of a merchant comprises a price threshold value and a prepayment rule, the price threshold value and the prepayment rule are related to the objects provided by the merchant, the objects exceeding the price threshold value in the objects provided by the merchant are marked as prepayment objects, and the prepayment rule specifies the proportion of the first part of payment resources in the transaction complete funds. The price threshold value of the labeling rule of the special prepayment object and the prepayment rule content are set according to the information provided by the entity object.

In this embodiment, the first portion of payment resources of the prepaid money object may also be determined by: after the preferential transaction complete fund of the prepaid money object is determined based on the platform preferential data and/or the store preferential data associated with the prepaid money object, the preferential transaction complete fund is determined based on the preferential transaction complete fund, namely: and calculating the first part of payment resources according to the proportion of the prepay part in the transaction complete funds after the discount. Of course, the first part of payment resources and the predicted second settlement stage payment part can also be calculated according to the total data to be paid before the discount, and then the platform discount data and/or the store discount data calculation related to the prepaid money object is applied to the predicted second settlement stage payment part to calculate the actual second part of payment resources, namely the actual amount of the tail money due.

In this embodiment, when determining the prepaid money object, the conversion processing of the prepaid money object may not be performed for a specific product participating in a specific marketing campaign. For example, if the price of the product after the product item preference information is lower than a price threshold, the product is not marked as a prepaid money object, wherein the product item preference information comprises a product full reduction type preference and/or a voucher type preference corresponding to the product. The method specifically comprises the following steps: obtaining preference data associated with the object; determining the after-discount price of the object according to the discount data; if the preferential price is not less than a price threshold associated with the object category to which the object belongs, the object is a prepaid fund object that can be settled in stages. As another example, it is determined whether the candidate object is associated with any of the following marketing messages: credit group purchase package information, effective grouping information, pre-sale information or specified marketing activity information; if not, determining that the candidate object is a prepaid money object according to a price threshold value associated with the object category to which the candidate object belongs.

The embodiment further comprises the following steps: providing a staged settlement option prior to displaying the transaction mode portal or at a display interface of the transaction mode portal; after the staged settlement option is selected, displaying a first part of payment resources of the complete funds of the transaction and a second part of payment resources of the complete funds of the transaction; the staged settlement option displays the transaction complete funds when not selected, and a one-time settlement entry for triggering one-time settlement based on the transaction complete funds. In the implementation, in the staged settlement mode, a shopping cart is not added, but the user selects staged settlement aiming at the prepaid money object, and a ordering page corresponding to the first settlement stage is directly loaded; and displaying the staged settlement information and/or the one-time settlement information of the prepaid money object in a selectable mode on a bill placement page corresponding to the first settlement stage. The staged settlement information includes, but is not limited to, the following information for the prepaid money object: the first payment portal and the staged settlement option may further include: the first portion pays for the resource and/or the transaction complete funds. When the user places an order to generate a first payment entrance, the preferential price corresponding to the one-time settlement can be locked for the user. In practice, the first portion of payment resources may be set relatively low in comparison to the second portion of payment resources, such that the user may lock the premium price by prepaying a smaller amount of funds, attracting the user to generate the prepaid order. The one-time settlement can be understood as a full payment settlement. So that the user can make a decision and the decision cost is reduced. The staged settlement option is an option for selecting between staged settlement and one-time settlement, provides a user with an opportunity of selecting between two settlement modes of staged settlement and one-time settlement, and enables settlement of the user to be more convenient and faster. The staged settlement option defaults to the selected state.

In this embodiment, the method further includes: when the staged settlement option is selected, displaying candidate payment modes of the first settlement stage; completing payment of the first payment entrance according to a first payment mode selected by the user from the candidate payment modes of the first settlement stage; wherein the candidate payment mode of the first settlement stage comprises one-time payment and/or installment payment. In the method provided by this embodiment, the first part of payment resources may be selected for one-time payment or for installment payment, that is, the payment mode of the prepaid money may be flexibly selected. Wherein the one-time payment of the first part of payment resources is a one-time clearing of the first part of payment resources; the first part of payment resources are paid in installments, namely installments are applied to the platform, the platform or a third party pays the first part of payment resources to a merchant, and a user pays the payment to the platform or the third party in installments according to preferential information of an installments payment mode.

And step S102, generating an offline reservation entrance or an offline resource contact entrance after the user finishes the payment of the first payment entrance.

This step is to generate an entrance for establishing an offline contact between an online offline store and the user. And prompting the user to actually experience the corresponding prepaid money object according to the prepaid order by the offline reservation entrance or the offline resource contact entrance by the offline store.

In this embodiment, the method further includes: after the user completes payment of the first payment entrance, sending payment prompting information for prompting payment of the second part of payment resources to a store to the user according to the certificate period of the prepaid certificate of the prepaid order, and displaying the service information of the available offline store and the available offline store of the prepaid certificate based on the payment prompting information; and/or displaying an available offline store of the prepaid voucher and service information of the available offline store on an order page of the prepaid order. For the user, the discount data of the prepayment object at the first settlement stage can be locked through the prepayment order; for offline stores, it is convenient to contact the user by the prepaid order retaining customer data such as contact details, if allowed by the user. Wherein the service information of the available offline store comprises at least one of the following information: the prepaid money object comprises verification information and/or use advice information associated with the prepaid money object, offline reservation entrance information and/or offline consultation entrance information of the available offline store, and service flow information and/or professional service personnel information provided by the available offline store for the prepaid money object. Therefore, after the user pays the prepaid order in the first settlement stage, the user can obtain sufficient guide information, the user makes a reservation to the offline store to continue performing, and after the user obtains at least part of the online service information of the prepaid money object from the offline store, the user pays the end payment in the second settlement stage and checks or makes a reservation to the store for checking, so that the prepaid money object is actually obtained.

Step S103, acquiring at least part of store-to-store service information related to the prepaid order, and generating a second payment entrance when the store-to-store service information is changed, wherein the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the full funds of the transaction.

Generating a second payment entrance in a second settlement stage, and paying aiming at the second part of payment resources; the user order after completion of the payment contains verification data for verifying in a transaction link of the prepaid object. Further, the method further comprises: determining the second portion of payment resources based on offer data associated with the prepaid object; wherein the prepay object associated offer data is determined based on the prepay object associated platform offer data and/or store offer data, such that the user uses the prepay object's offer when paying the second portion of payment resources in the second settlement stage.

In this embodiment, at least part of the in-store service information related to the prepaid order is acquired, when the in-store service information is changed, a second payment entry is generated, the user makes a payment for a second part of the payment resources, so as to obtain a user order containing reimbursement data that can be reimbursed in a prepaid object transaction link, and the reimbursement data in the user order is used as credential information for reimbursement in the transaction link of the prepaid object when the user actually obtains the prepaid object. Wherein the obtaining of the to-store service information related to the prepaid order comprises: generating store-to-store service information of the prepaid orders at corresponding off-line stores based on the off-line reservation entrance or the off-line resource contact entrance; or determining that the user arrives at an offline store corresponding to the prepaid order, and generating the service information of the arriving store. Further, when at least one of the following information of the user at the offline store is acquired, it is determined that the store service information is changed: the system comprises information of the behavior of the user, information of user reception, information of trial use related to the prepaid money object, consulting information corresponding to the prepaid money object and implementation information corresponding to the prepaid money object. Preferably, the embodiment information corresponding to the prepaid money object is the information of the plan for the visit made by a professional qualified for treatment of the prepaid money object according to the observation and/or detection result after the user arrives at the store. The consultation information corresponding to the prepay object is preferably consultation information before experience.

In this embodiment, the second part of payment resources may be paid in a variety of different ways. The method specifically comprises the following steps: displaying candidate payment modes of the second settlement stage; completing the payment of the second payment entrance according to a second payment mode selected by the user from the candidate payment modes in the second settlement stage; and the candidate payment modes of the second settlement stage comprise one-time payment and/or staged payment. And one-time payment corresponding to the second part of payment resources is used for clearing the second part of payment resources for one time. The installment payment corresponding to the second part of payment resources is to apply for installment payment to the platform, the platform or the third party pays the second part of payment resources to the merchant, and the user repays the payment to the platform or the third party according to the preferential information of the installment payment mode. The payment at the second payment entrance may be triggered by the user, or may be triggered by an offline store device after the user arrives at the store and the user allows the offline store device to make a payment.

In this embodiment, the method includes: after the payment information of the second settlement stage is acquired, supplementing the payment information of the second settlement stage in the prepaid order; and after the prepayment is completed, setting the order state of the prepayment order as a clearing state which represents that the second part of payment resources are paid, and obtaining the user order completing the payment. Of course, a tail order may also be generated for the second portion of payment resources, and the user order may be obtained by associating the tail order with the prepaid order.

In this embodiment, the prepaid order generated in the first settlement stage includes prepaid vouchers, and the expiration dates of the prepaid vouchers may be relative times and do not exceed the expiration date threshold. The relative time is a time from the date of prepaid order generation to the expiration threshold. And the user can pay the second part of payment resources to an offline store corresponding to the prepaid money object within the valid period of the prepaid voucher so as to obtain the verification and cancellation data of the prepaid money object, wherein the verification and cancellation data can be understood as the electronic voucher of the prepaid money object purchased by the user. During implementation, after a user pays a first part of payment resources, the platform can fund the marketing fund corresponding to the discount data funded by the platform to an intermediate account, the marketing fund is reserved according to the valid period of the prepaid voucher, and after a second part of payment resources are paid within the valid period of the prepaid voucher and are checked and sold, the whole fund is merged and funded to a merchant. And if the validity period of the prepaid voucher is exceeded, returning the first part of payment resources to the user according to an original payment link corresponding to the payment information of the prepaid order. The user may also choose to apply for refund prepaid funds during the expiration date of the prepaid voucher. The verification and cancellation data of the user order also has an effective period, and the effective period of the verification and cancellation data is relative time. And if the validity period of the verification and cancellation data is exceeded, returning the first part of payment resources and the second part of payment resources to the user according to respective original payment links. If the verification and cancellation data is in the valid period, the user can also choose to apply for returning the first part of payment resources and the second part of payment resources. For example: and if a refund application of the user for the first part of payment resources is received, or the prepaid voucher period contained in the prepaid order is judged to be expired, acquiring first payment information corresponding to the first part of payment resources, and returning the first part of payment resources to the user according to an original payment link of the first payment information. Wherein the prepaid request term is determined based on an expiration term of the prepaid credential. If the refund application of the user for the second part of payment resources is received, or the term of the data certificate for verification and cancellation contained in the user order is judged to be expired, second payment information corresponding to the second part of payment resources is obtained, the second part of payment resources are returned to the user according to an original payment link of the second payment information, first payment information corresponding to the first part of payment resources is obtained, and the first part of payment resources are returned to the user according to the original payment link of the first payment information. Wherein the verification and cancellation data certificate period is determined based on the verification and cancellation data valid period.

In this embodiment, the method further includes: determining whether a prepaid function for converting an object into a prepaid money object is turned on according to the attribute information of the user; if so, a prepay function is started, and prepay money objects capable of being settled in stages are determined based on price threshold values and prepay rules associated with the objects. The users are divided into users who open the prepaid fee function and users who do not open the prepaid fee function, namely, users who divide the A barrel (for example, open) and users who divide the B barrel (for example, do not open), through the attribute information of the users, so that the effect of the prepaid fee function can be tested in a comparison mode.

Referring to fig. 2, a schematic diagram of interaction between pages in an embodiment is shown, including: a commodity detail page, a shopping cart, a placing order page and an order page; wherein, a consumer (i.e. a user) browses the commodity, and displays a commodity detail page of the target commodity after selecting the target commodity. The target commodity is the target object. The following processing is included in the purchase process: s201, the user selects to add a shopping cart or immediately purchase on the commodity detail page, wherein the immediate purchase refers to directly jumping to a next page aiming at the target commodity without adding the shopping cart. The electronic equipment used by the user detects the selection behavior information of the user on the commodity detail page. If the user selects to add a shopping cart, steps S202 and S202-1 to S202-4 are performed. If the user chooses to purchase immediately, steps S203 and S203-1 to S203-3 are performed. S202, when the electronic equipment used by the user detects that the user selects to add the shopping cart, the whole commodity is added into the shopping cart of the user. S202-1, displaying that the user can select the whole money commodity to be settled when the user joins the shopping cart in the shopping cart. S202-2, the electronic equipment used by the user detects the purchasing behavior of the user and triggers and displays the order page. S202-3, the electronic equipment used by the user detects the information of the behavior of paying the whole money of the user, and the whole money payment is carried out by using the whole money discount. Of course, the payment may be selected as a one-time payment or an installment payment. S202-4, after the purchase of the whole money is successful, the whole money verification and cancellation code can be checked on an order page. The verification and cancellation code can be understood as verification and cancellation data or credential information of the verification and cancellation data. S203, the electronic equipment used by the user detects that the user selects to purchase immediately. S203-1, the electronic equipment used by the user detects that the user pays the prepayment money, and the electronic equipment calculates the payment according to the preferential information of the target object. The prepay can be understood as a first part of the payment resources. The tail may be understood as the second portion of the payment resource. S203-2, displaying the payment tail inlet and the tail information on the order page. S203-3, the electronic equipment used by the user detects that the payment tail is successful, and displays the verification and cancellation code. The verification and cancellation code is the voucher information of the template commodity which can be obtained by the user, and verification and cancellation are carried out in the target commodity transaction link, so that the transaction of the target commodity is completed.

It should be noted that, in the case of no conflict, the features given in this embodiment and other embodiments of the present application may be combined with each other, and the steps S101 and S102 or similar terms do not limit the steps to be executed sequentially.

Thus, the method provided by the present embodiment is described, which provides a staged settlement prepaid exchange scheme. In the transaction scheme, a user can know a first part of prepaid payment resources through a displayed prepaid order in a first settlement stage, an offline reservation entrance or an offline resource contact entrance is generated after the first part of prepaid resources are paid through a first payment entrance, and the user service-to-store information is changed to generate a second payment entrance to pay a second part of payment resources (namely payment tail), for example, the second part of payment resources can be paid through information of the prepaid order when the user goes to a store for verification and verification to determine a specific scheme, so that the decision cost of the user can be reduced. Further, the user pays the prepaid fee in the first settlement stage, thereby facilitating the locking of the preferential price corresponding to the one-time settlement in the settlement stage and determining the prepaid fee amount, namely the first part of payment resources, with the preferential price; the second portion of payment resources is determined based on the offer data associated with the prepaid object, thereby facilitating locking of the offer data associated with the prepaid object during the first settlement stage, enabling the user to complete the entire transaction of the prepaid object based on the offer data for the marketing campaign with which the prepaid object has been associated during the first settlement stage. Therefore, the method can attract users, improve the order conversion rate and improve the user viscosity.

Based on the foregoing embodiments, a second embodiment of the present application provides another resource data processing method. The method is described below with reference to fig. 3. The resource data processing method shown in fig. 3 includes: step S301 to step S304.

Step S301, the prepayment money object capable of being settled in stages is determined based on the price threshold value and the prepayment rule associated with the object.

The step is to determine the prepaid money object, and specifically, the object satisfying the preset condition is determined as the prepaid money object. The preset conditions include: a prepay function is turned on for an object category with which the object is associated, and the object price exceeds a category price threshold for the object category. When the method is implemented, the method specifically comprises the following steps: acquiring information of object categories, and determining target categories for starting prepaid function in the object categories; setting a category price threshold for the target category; said determining prepaid fund objects that can be staged for settlement based on object associated price thresholds and prepaid rules comprises: taking the object associated under the target category as a candidate object; taking the category price threshold of the target category as a price threshold associated with the candidate object; identifying the candidate object as the prepaid fund object if the price of the candidate object is greater than the category price threshold. Preferably, the method further comprises the following steps: setting category prepayment rules for the target categories; said determining a prepaid account object that can be settled in stages based on price thresholds and prepaid rules associated with the object, comprising: using said category prepayment rule as said candidate said associated prepayment rule; determining a first portion of payment resources for transaction complete funds for the prepaid money object according to the category prepaid rule if the candidate object is identified as a prepaid money object. Further, the preset condition further includes that any following marketing information is not associated: package information, party information, pre-sale information, or designated marketing campaign information. The embodiment further specifically includes the following processing: acquiring preferential data associated with the candidate object; determining the preferential price of the candidate object according to the preferential data; and if the preferential price is not less than the price threshold value associated with the object category to which the candidate object belongs, the candidate object is a prepaid money object capable of being settled in stages. Preferably, the method further comprises the following steps: determining whether the candidate is associated with any of the following marketing messages: package information, grouping information, pre-sale information or specified marketing activity information; if not, determining that the candidate object is a prepaid money object according to a price threshold value associated with the object category to which the candidate object belongs.

Step S302, detecting that a user selects staged settlement for a target object in the prepaid money object, forming a transaction mode entrance of the target object and displaying the transaction mode entrance on a first page, wherein the transaction mode entrance at least comprises a first payment entrance; wherein the first payment entrance is a prepaid order of a first settlement stage of the prepaid money object; the first payment portal includes at least a first partial payment resource for transaction complete funds of the target object.

In this step, a transaction mode entry for the prepaid object is displayed on the first page. The first page can be a commodity list page or a search result page on which the prepaid money object is displayed, and can also be a commodity detail page of the prepaid money object. The prepayment object is an object capable of settling in stages determined according to a category price threshold value of an object category; wherein the object category is a category associated with the object. Prepaid resource data for said prepaid money object determined based on category prepaid rules on object category matching; wherein the object category is a commodity category and/or a commodity leaf category associated with the prepaid fund object.

In this embodiment, the method further includes: acquiring information of candidate objects which can be purchased by a user; if the candidate object is identified as a prepaid money object, acquiring a first part of payment resources and/or a second part of payment resources of transaction complete funds of the candidate object, and displaying; and the second part of payment resources are data to be paid when the user arrives at the store to continue performing according to the prepaid order.

Step S303, responding to the payment of the first payment entrance completed by the user, generating a second settlement stage entrance for triggering a second settlement stage, and displaying the second settlement stage entrance on a second page.

In this embodiment, the second settlement stage of the target object may be entered through the second settlement stage entry. The second page may be a page corresponding to the first payment entry where payment is completed, for example, the second page is an order page of a prepaid order that has been paid. In one embodiment, the second settlement stage entry may be implemented as a digital code such as a two-dimensional code or a bar code displayed on the prepaid order page. The digital code is identified for loading the second stage payment information, including but not limited to: the second part pays for the resource, verifies the validity period of the certificate, and the like. In one embodiment, the second settlement stage entry may also be implemented as a triggerable element displayed on the prepaid order page, the triggerable element being a triggerable control or a triggerable area. And the triggerable element is used for loading the payment information of the second settlement stage after being triggered.

In this embodiment, the method further includes: acquiring platform preference data associated with the target object and/or store preference data to which the target object belongs for the user; determining discount data associated with the target object according to the platform discount data and/or the store discount data; and determining the second part of payment resources of the target object according to the discount data associated with the target object, the first part of payment resources of the target object and the transaction complete fund of the target object, namely the second part of payment resources which are actually required to be paid in the second settlement stage.

Step S304, determining that the service-to-store information related to the prepaid order is changed, and detecting that the second settlement stage entrance is triggered, generating a second payment entrance aiming at a second part of payment resources of the transaction complete fund, wherein the second payment entrance is a user order in a second settlement stage; the user order payment is completed including underwriting data for underwriting in a transaction link of the prepaid money object.

In this embodiment, the determining that the store-to-store service information associated with the prepaid order is changed includes: determining that the store-to-store service information related to the prepaid order is changed when at least one of the following information of the user at an online store corresponding to the prepaid order is acquired: : the system comprises information of the behavior of the user, user reception information, trial information related to the prepaid fund object, consultation information corresponding to the prepaid fund object and implementation information corresponding to the prepaid fund object. The store-to-store service information associated with the prepaid order is altered to characterize the user's experience with the prepaid order by the online store. Further, still include: detecting a trigger instruction aiming at the second settlement stage entrance, and displaying information to be paid corresponding to the second settlement stage; obtaining payment information aiming at the second part of payment resources, and obtaining a user order containing verification and cancellation data according to the payment information and the prepaid order; the user order for completing payment contains verification and cancellation data for verifying and canceling in the transaction link of the target object. Wherein the displaying the information to be paid corresponding to the second settlement stage comprises: displaying candidate payment modes corresponding to the second part of payment resources, wherein the candidate payment modes at least comprise one-time payment and/or staged payment; detecting the payment mode selected by the user, and displaying payment page information corresponding to the payment mode selected by the user; and receiving user payment behavior information, and finishing the payment of the second payment entrance according to the user payment behavior information.

The prepaid voucher contained in the prepaid order and the verification and cancellation data corresponding to the user order both have valid time periods, and the valid time periods are relative time. In this embodiment, the method further includes: if a return application of the user for the first part of payment resources and/or the second part of payment resources is received, or the voucher time limit of the verification and cancellation data is judged to be expired; and returning the first part of payment resources and/or the second part of payment resources to the user according to an original payment link.

Thus, the method provided by the present embodiment is described, which provides a staged settlement prepaid exchange scheme. In the transaction scheme, the prepayment objects are determined according to the price threshold and the prepayment rules, so that prepayment transaction links can be provided for objects with higher prices conveniently; the user can pay the prepayment money when placing an order, and can pay the tail money through the second payment entrance after obtaining the service information of the user to the store, so that the decision cost of the user can be reduced. The user pays the prepaid fee when placing the order, thereby facilitating to lock the preferential price corresponding to the one-time settlement when placing the order and facilitating to determine the amount of the prepaid fee at the preferential price. Further, since the second portion of payment resources is determined based on the offer data associated with the target object, use of the offer data for the marketing campaign with which the target object has been associated is facilitated. Therefore, the method can attract users and improve the order conversion rate and the user viscosity.

A third embodiment of the present application provides a resource data processing apparatus corresponding to the first embodiment. The device is described below with reference to fig. 4. The resource data processing apparatus shown in fig. 4 includes:

a first payment entry unit 401 for displaying transaction mode entries of the prepaid money objects, the transaction mode entries including at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal including at least a first portion of payment resources for transacted full funds for the prepaid money object;

a reservation entry unit 402 for generating an offline reservation entry or an offline resource contact entry when the user completes payment of the first payment entry;

a second payment entrance unit 403, configured to generate a second payment entrance when the store-to-store service information changes, where the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the full funds of the transaction.

Optionally, the second payment entry unit 403 is specifically configured to: generating store-to-store service information of the prepaid order at the corresponding offline store based on the offline reservation entrance or the offline resource contact entrance; or determining that the user arrives at an offline store corresponding to the prepaid order, and generating the service information of the arriving store.

Optionally, the second payment gateway unit 403 is specifically configured to: when at least one of the following information of the user in the off-line store is acquired, judging that the store-to-store service information is changed: the system comprises information of the behavior of the user, information of user reception, information of trial use related to the prepaid money object, consulting information corresponding to the prepaid money object and implementation information corresponding to the prepaid money object.

Optionally, the apparatus further includes a verification prompting unit, where the verification prompting unit is configured to: after the user completes payment of the first payment entrance, sending payment prompting information for prompting payment of the second part of payment resources to a store to the user according to the certificate period of the prepaid certificate of the prepaid order, and displaying the service information of the available offline store and the available offline store of the prepaid certificate based on the payment prompting information; and/or displaying an available offline store of the prepaid voucher and service information of the available offline store on an order page of the prepaid order.

Optionally, the service information of the available offline store includes at least one of the following information: the prepaid money object comprises verification information and/or use advice information associated with the prepaid money object, offline reservation entrance information and/or offline consultation entrance information of the available offline store, and service flow information and/or professional service personnel information provided by the available offline store for the prepaid money object.

Optionally, the first payment entrance unit 402 is specifically configured to: providing a staged settlement option prior to displaying the transaction mode portal or at a display interface of the transaction mode portal; after the staged settlement option is selected, displaying a first part of payment resources of the complete funds of the transaction and a second part of payment resources of the complete funds of the transaction; the staged settlement option displays the transaction complete funds when not selected, and a one-time settlement entry for triggering one-time settlement based on the transaction complete funds.

Optionally, the first payment entrance unit 401 is specifically configured to: when the staged settlement option is selected, displaying candidate payment modes of the first settlement stage; completing payment of the first payment entrance according to a first payment mode selected by the user from the candidate payment modes of the first settlement stage; wherein the candidate payment mode of the first settlement stage comprises one-time payment and/or staged payment.

Optionally, the second payment entry unit 403 is specifically configured to: displaying candidate payment modes of the second settlement stage; completing the payment of the second payment entrance according to a second payment mode selected by the user from the candidate payment modes in the second settlement stage; and the candidate payment modes of the second settlement stage comprise one-time payment and/or staged payment.

Optionally, the apparatus further comprises a prepaid money object determination unit configured to: and determining an object capable of performing staged settlement as the prepay money object based on the price threshold value associated with the object and the prepay rule.

Optionally, the prepaid money object determination unit is specifically configured to: determining an object category to which the object belongs; taking a category price threshold of the object category as a price threshold associated with the object, and taking a category prepayment rule matched with the object category as a prepayment rule associated with the object; identifying the object as a prepaid object if the price of the object is greater than the price threshold associated with the object, determining a first portion of the payment resources for the prepaid object according to the prepaid rules associated with the object.

Optionally, the first payment entrance unit 401 is specifically configured to: determining the second portion of payment resources based on offer data associated with the prepaid object; and the discount data associated with the prepay object is determined based on the platform discount data and/or the store discount data associated with the prepay object.

A fourth embodiment of the present application provides a resource data processing apparatus corresponding to the second embodiment. The device is described below with reference to fig. 5. The resource data processing apparatus shown in fig. 5 includes:

a prepaid money object determination unit 501 for determining a prepaid money object that can be settled in stages based on a price threshold value and a prepaid rule associated with the object;

a first settlement stage unit 502, configured to detect that a user selects a staged settlement for a target object in the prepaid money objects, form a transaction mode entry for the target object, and display the transaction mode entry on a first page, where the transaction mode entry includes at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal comprises at least a first partial payment resource of a transaction complete fund of the target object;

a second settlement stage entry unit 503, configured to generate a second settlement stage entry for triggering a second settlement stage in response to the user completing the payment of the first payment entry, and display the second settlement stage entry on a second page;

a second settlement stage unit 504 for determining that the incoming service information associated with the prepaid order has changed and detecting that the second settlement stage entry is triggered, generating a second payment entry for a second portion of payment resources for the full funds for the transaction, the second payment entry being a user order for a second settlement stage; the user order payment is completed including underwriting data for underwriting in a transaction link of the prepaid money object.

Optionally, the prepaid money object determination unit 501 is specifically configured to: acquiring information of object categories, and determining target categories for starting prepayment functions in the object categories; setting corresponding category price threshold values aiming at the target category and the leaf sub-categories of the target category; taking objects belonging to the target category and/or the leaf category as candidate objects; taking a category price threshold corresponding to the target category or the leaf category as a price threshold associated with the candidate object; identifying the candidate object as the prepaid fund object if the price of the candidate object is greater than the category price threshold.

Optionally, the prepaid money object determination unit 501 is specifically configured to: setting corresponding category prepayment rules aiming at the target category and the leaf sub-category of the target category; using said category prepayment rule as said candidate said associated prepayment rule; determining a first portion of payment resources for the prepaid money object in accordance with the category prepaid rule if the candidate object is identified as a prepaid money object.

Optionally, the prepaid money object determination unit 501 is specifically configured to: obtaining discount data associated with a candidate object, and determining the after-discount price of the candidate object according to the discount data; and if the preferential price is not less than the price threshold value associated with the candidate object, taking the candidate object as a prepaid money object capable of being settled in stages.

Optionally, the prepaid money object determining unit 501 is specifically configured to: if the preferred price is not less than the price threshold, and the candidate object is not associated with any of the following marketing messages: and if the credit group purchase package information, the effective group combining information, the pre-selling information or the specified marketing activity information is received, the candidate object is used as a pre-payment object capable of settling accounts in stages.

Optionally, the prepaid money object determination unit 501 is specifically configured to: acquiring platform preference data associated with the target object and/or store preference data to which the target object belongs for the user; determining discount data associated with the target object according to the platform discount data and/or the store discount data; and determining the second part of payment resources of the target object according to the discount data associated with the target object, the first part of payment resources of the target object and the transaction complete fund of the target object.

Optionally, the second settlement stage unit 504 is specifically configured to: determining that the store-to-store service information related to the prepaid order is changed when at least one of the following information of the user at an online store corresponding to the prepaid order is acquired: : the system comprises information of the behavior of the user, information of user reception, information of trial use related to the prepaid money object, consulting information corresponding to the prepaid money object and implementation information corresponding to the prepaid money object.

Based on the above embodiments, a fifth embodiment of the present application provides an electronic device, and please refer to the corresponding description of the above embodiments for related parts. Referring to fig. 6, the electronic device shown in the figure includes: a memory 601, and a processor 602; the memory is used for storing a computer program, and the computer program is executed by the processor to execute the method provided by the embodiment of the application.

Based on the foregoing embodiments, a sixth embodiment of the present application provides a storage device, and please refer to the corresponding description of the foregoing embodiments for related parts. The schematic diagram of the storage device is similar to fig. 6. The storage device stores a computer program, and the computer program is executed by the processor to execute the method provided by the embodiment of the application.

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.

1. 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, computer readable media does not include non-transitory computer readable media (transient media), such as modulated data signals and carrier waves.

2. As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application 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.

Although the present application has been described with reference to the preferred embodiments, it is not intended to limit the present application, and those skilled in the art can make variations and modifications without departing from the spirit and scope of the present application, therefore, the scope of the present application should be determined by the claims that follow.

Claims

1. A method for processing resource data, comprising:

displaying a transaction mode entry for the prepaid money object, the transaction mode entry including at least a first payment entry; wherein the first payment portal is a prepaid order for a first settlement stage of the prepaid money object; the first payment portal including at least a first portion of payment resources for transacted full funds for the prepaid money object;

when the user finishes the payment of the first payment entrance, an off-line reservation entrance or an off-line resource contact entrance is generated;

acquiring the service information of the arrival store related to the prepaid order, and generating a second payment entrance when the service information of the arrival store is changed, wherein the second payment entrance is a user order in a second settlement stage; wherein the second payment portal includes at least a second partial payment resource for the transaction complete funds.

2. The method of claim 1, wherein obtaining the to-store service information related to the prepaid order comprises:

generating store-to-store service information of the prepaid orders at corresponding off-line stores based on the off-line reservation entrance or the off-line resource contact entrance; alternatively, the first and second electrodes may be,

and determining that the user arrives at an offline store corresponding to the prepaid order, and generating the service-to-store information.

3. The method of claim 2, further comprising:

when at least one of the following information of the user in the off-line store is acquired, judging that the store-to-store service information is changed:

the system comprises information of the behavior of the user, information of user reception, information of trial use related to the prepaid money object, consulting information corresponding to the prepaid money object and implementation information corresponding to the prepaid money object.

4. The method of claim 1, further comprising:

after the user completes payment of the first payment entrance, sending payment prompting information for prompting payment of the second part of payment resources to a store to the user according to the certificate period of the prepaid certificate of the prepaid order, and displaying the service information of the available offline store and the available offline store of the prepaid certificate based on the payment prompting information; and/or the presence of a gas in the gas,

and displaying the available offline store of the prepaid voucher and service information of the available offline store on an order page of the prepaid order.

5. The method of claim 3, wherein the service information of the available offline store comprises at least one of the following information:

the prepaid money object comprises verification information and/or use advice information associated with the prepaid money object, offline reservation entrance information and/or offline consultation entrance information of the available offline store, and service flow information and/or professional service personnel information provided by the available offline store for the prepaid money object.

6. The method of claim 1, further comprising:

providing a staged settlement option prior to displaying the transaction mode portal or at a display interface of the transaction mode portal;

wherein the staged settlement option is selected to display a first portion of payment resources for the complete funds for the transaction and a second portion of payment resources for the complete funds for the transaction; the staged settlement option displays the transaction complete funds when not selected, and a one-time settlement entry for triggering one-time settlement based on the transaction complete funds.

7. The method of claim 6, further comprising:

when the staged settlement option is selected, displaying candidate payment modes of the first settlement stage;

completing the payment of the first payment entrance according to a first payment mode selected by the user from the candidate payment modes of the first settlement stage;

wherein the candidate payment mode of the first settlement stage comprises one-time payment and/or staged payment.

8. The method of claim 1, further comprising:

displaying candidate payment modes of the second settlement stage;

completing the payment of the second payment entrance according to a second payment mode selected by the user from the candidate payment modes in the second settlement stage;

and the candidate payment modes of the second settlement stage comprise one-time payment and/or staged payment.

9. The method of claim 1, further comprising:

and determining an object capable of performing staged settlement as the prepay money object based on the price threshold value associated with the object and the prepay rule.

10. A method for processing resource data, comprising:

determining a prepaid fund object capable of settling in stages based on the price threshold value associated with the object and a prepaid rule;

detecting that a user selects staged settlement for a target object in the prepaid money objects, forming a transaction mode entrance of the target object and displaying the transaction mode entrance on a first page, wherein the transaction mode entrance at least comprises a first payment entrance; wherein the first payment entrance is a prepaid order of a first settlement stage of the prepaid money object; the first payment portal comprises at least a first partial payment resource of a transaction complete fund of the target object;

generating a second settlement stage entrance for triggering a second settlement stage in response to the user completing the payment of the first payment entrance, and displaying the second settlement stage entrance on a second page;

determining that the store-to-store service information associated with the prepaid order has changed and detecting that the second settlement stage entry is triggered, generating a second payment entry for a second portion of payment resources for the full funds for the transaction, the second payment entry being a user order for a second settlement stage; the user order payment is completed including underwriting data for underwriting in a transaction link of the prepaid money object.