CN105741119A - Business implementation method and device - Google Patents
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- CN105741119A CN105741119A CN201610067703.5A CN201610067703A CN105741119A CN 105741119 A CN105741119 A CN 105741119A CN 201610067703 A CN201610067703 A CN 201610067703A CN 105741119 A CN105741119 A CN 105741119A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The invention provides a business implementation method and device. The method comprises the following steps: receiving user identity information sent from a business provider terminal; according to the user identity information, judging whether an operation permission which aims at a user account is held or not; and if the operation permission which aims at the user account is held, after a business operation request sent from the business provider terminal is received, finishing the business operation on the basis of the user account. The service side of the invention can automatically finish the business operation between the user and the business provider on the basis of the user account when the operation permission which aims at the user account is held. In the whole process, network limitation is broken through for users, the user can quickly realize a business process without carrying out an on-line operation, and the use experience of the user is greatly improved.
Description
Technical field
The application relates to communication technical field, particularly relates to a kind of service implementation method and device.
Background technology
Along with the fast development of terminal technology and the Internet, user can complete increasing business operation by terminal, such as: article bought by the shopping software that can pass through to load in terminal, it is possible to carry out payment operation etc. by the payment software loaded in terminal.In correlation technique, user is that terminal has been in networking state in the premise operated by terminal carrying out service, when network signal is poor, or when terminal their location does not have the network coverage, will be unable to realize related service, affects the experience of user.
Summary of the invention
In view of this, the application provides a kind of service implementation method and device.
Specifically, the application is achieved by the following technical solution:
A kind of service implementation method, is applied in service end, and described method includes:
The subscriber identity information that reception business provider's terminal sends；
Judge whether to hold the operating right for user account according to described subscriber identity information；
If holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, complete described business operation based on described user account.
Optionally, described method also includes:
If not holding the operating right for user account, then send authorized application to described business provider's terminal, for described business provider's terminal, described authorized application is sent to user terminal；
After receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account；
Wherein, described user terminal is based on described user account login service end.
Optionally, described method also includes:
If not holding the operating right for user account, then send authorized application to the user terminal logged in based on described user account；
After receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account.
Optionally, described method also includes:
When not holding the operating right for user account, the historical operational information based on described user account judges whether described user account meets the credit benchmark preset；
If described user account meets described default credit benchmark, then perform to send the flow process of authorized application.
Optionally, described business provider is beneficiary, and the request of described business operation is gathering request, and described operating right is obligation authority, and described business operation is delivery operation.
A kind of business realizing device, is applied in service end, and described device includes:
Information receiving unit, receives the subscriber identity information that business provider's terminal sends；
Authority confirmation unit, judges whether to hold the operating right for user account according to described subscriber identity information；
Business performance element, if holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, completes described business operation based on described user account.
Optionally, described device also includes:
First application unit, if not holding the operating right for user account, then sends authorized application to described business provider's terminal, for described business provider's terminal, described authorized application is sent to user terminal；
First granted unit, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account；
Wherein, described user terminal is based on described user account login service end.
Optionally, described device also includes:
Second application unit, if not holding the operating right for user account, then sends authorized application to the user terminal logged in based on described user account；
Second granted unit, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account.
Optionally, described device also includes:
Credit judging unit, when not holding the operating right for user account, historical operational information based on described user account judges whether described user account meets the credit benchmark preset, when described user account meets described default credit benchmark, notify that the first application unit or the second granted unit perform to send the flow process of authorized application.
Optionally, described business provider is beneficiary, and the request of described business operation is gathering request, and described operating right is obligation authority, and described business operation is delivery operation.
Be can be seen that by above description, the application service end can when holding the operating right for user account, it is automatically performed the business operation between user and business provider based on described user account, in whole process, for a user, breakthrough network limits, it is not necessary to user carries out operation on line can quickly realize operation flow, is greatly improved the experience of user.
Accompanying drawing explanation
Fig. 1 is the application scenarios schematic diagram of a kind of business realizing shown in the application one exemplary embodiment.
Fig. 2 is the schematic flow sheet of a kind of service implementation method shown in the application one exemplary embodiment.
Fig. 3 is the schematic flow sheet of the another kind of service implementation method shown in the application one exemplary embodiment.
Fig. 4 is a kind of structural representation for business realizing device shown in the application one exemplary embodiment.
Fig. 5 is the structured flowchart of a kind of business realizing device shown in the application one exemplary embodiment.
Detailed description of the invention
Here in detail exemplary embodiment being illustrated, its example representation is in the accompanying drawings.When as explained below relates to accompanying drawing, unless otherwise indicated, the same numbers in different accompanying drawings represents same or analogous key element.Embodiment described in following exemplary embodiment does not represent all embodiments consistent with the application.On the contrary, they only with in appended claims describe in detail, the application some in the example of consistent apparatus and method.
It is only merely for the purpose describing specific embodiment at term used in this application, and is not intended to be limiting the application." one ", " described " and " being somebody's turn to do " of the singulative used in the application and appended claims is also intended to include most form, unless context clearly shows that other implications.It is also understood that term "and/or" used herein refers to and comprises any or all of one or more project of listing being associated and be likely to combination.
Although should be appreciated that and be likely to adopt term first, second, third, etc. to describe various information in the application, but these information should not necessarily be limited by these terms.These terms are only used for being distinguished from each other out same type of information.Such as, when without departing from the application scope, the first information can also be referred to as the second information, and similarly, the second information can also be referred to as the first information.Depend on linguistic context, word as used in this " if " can be construed to " ... time " or " when ... " or " in response to determining ".
Fig. 1 is the application scenarios schematic diagram of a kind of business realizing shown in the application one exemplary embodiment.
Refer to the application scenarios shown in Fig. 1, Fig. 1 and include user, business provider and service end.In this application, described business provider can include the entity or individual of the business that provides a user with, and described business provider can access network by terminal 10 and communicate with service end, such as: the server 20 disposed with service end communicates.Wherein, described terminal 10 may include that mobile phone, panel computer, PDA (PersonalDigitalAssistant, palm PC), the smart machine such as PC, the application program (Application, APP) that described business provider can pass through to load in terminal 10 communicates with server 20.
Fig. 2 is the schematic flow sheet of a kind of service implementation method shown in the application one exemplary embodiment.
Refer to Fig. 2, the application provides a kind of service implementation method, and described service implementation method can be applied in service end shown in Fig. 1, is described below in the server 20 being applied in service end offer, and described method includes following steps:
Step 201, receives the subscriber identity information that business provider's terminal sends.
In the present embodiment, described subscriber identity information is generally supplied to business provider by when user is lower online and business provider carries out business contact, and described subscriber identity information may include that identification card number, passport No. etc. are capable of identify that the information of user identity.
In the present embodiment, the subscriber identity information that described user provides can be sent to server 20 by terminal 10 by business provider.
Step 202, judges whether to hold the operating right for user account according to described subscriber identity information.
Based on abovementioned steps 201, server 20 is after receiving the subscriber identity information that business provider is sent by terminal 10, can determine, according to described subscriber identity information, the user account that described subscriber identity information is bound, then judge whether to hold the operating right for described user account.
In the present embodiment, the described operating right for described user account may include that delivery operation, shopping operation etc., described operating right can be authorized in advance by user, such as: server 20 can provide a user with the concrete clause explaining described operating right, and user can hold the operating right for its user account by authorization server 20 after agreement.
Step 203, if holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, completes described business operation based on described user account.
Judged result based on abovementioned steps 202, if server 20 confirms to hold the operating right for user account, then business provider can carry out it with user the rolling off the production line business operation request of business contact is sent to server 20 by terminal 10, server 20 can be automatically performed described business operation based on user account, it is not necessary to user processes.Wherein, described business operation includes: delivery operation, purchase operation etc..
Be can be seen that by above description, the application service end can when holding the operating right for user account, it is automatically performed the business operation between user and business provider based on described user account, in whole process, for a user, breakthrough network limits, it is not necessary to user carries out operation on line can quickly realize operation flow, is greatly improved the experience of user.
Process is realized below in conjunction with what scene under concrete line described the application.
Still for the application scenarios shown in Fig. 1, assume that described business provider is for hotel, described service end is Third-party payment platform, user is will the guest of hotel occupancy, then terminal 10 is generally reception counter of hotel service personal and handles the computer checked in for guest, and server 20 is generally the server of Third-party payment Platform deployment.
In the present embodiment, refer to the processing procedure of Fig. 3, user is when reception counter of hotel is handled and checked in, need to be supplied to the identity document of oneself service personal on foreground, for identity card, the identity card of oneself is supplied to the service personal on foreground by user, service personal can pass through scan described identity card obtain subscriber identity information, described subscriber identity information generally includes: address name, user picture, subscriber household address, user identification card number etc..Here identity document is except entity identities certificate, it is also possible to being the identity document of electronization, this is not particularly limited by the application.
In the present embodiment, the client software that the Third-party payment platform that the service personal on foreground can pass through to load in terminal 10 provides, described subscriber identity information is sent to server 20.Server 20 is after receiving described subscriber identity information, it may be determined that the user account of described subscriber identity information binding, such as: may determine that the user account that the identification card number of user is bound.When the unbound any user account of described ID (identity number) card No., server 20 can terminate follow-up flow process after the message of the unbound user account of return is to terminal 10, and user needs to pay cash pledge, house money in the conventional mode.
When the binding of described ID (identity number) card No. has user account, server 20 is after determining user account, can decide whether to hold the obligation authority for described user account, such as: whether user has agreed to Third-party payment platform and automatically pay the relevant provision of house money after user checks out, in this application, it is possible to Third-party payment platform is automatically paid after user checks out house money referred to as " credit is lived ".When server 20 determines the obligation authority held for described user account, it is possible to return to terminal 10 and confirm successful message.The service personal on foreground can ask the user whether that the Payment Methods being ready to adopt " credit is lived " pay house money, and when the means of payment of user non-selected " credit is lived ", user needs to pay cash pledge, house money in the conventional mode.When user selects the means of payment of " credit is lived ", this hand marker can be " credit is lived " order by service personal, it is not necessary to collect any cash pledge and house money to user, user can be allowed to move in hotel.
In the present embodiment, when user checks out, the service personal on foreground can this consumption bill moved in of printing user, described consumption bill can include rent and other consumption, such as: dinner cost, meeting expense etc..User sign confirmation consumption errorless after can check out departure.
In the present embodiment, the service personal on foreground can after user signs confirmation consumption bill, server 20 is given by described consumed accounts single-shot by terminal 10, server 20 is after receiving described consumption bill, can carry out, based on the user account of subscriber identity information binding, operation of withholing, and pay hotel by the fund detained.
By above description it can be seen that adopt the payment scheme that the application provides, for a user, user when moving in hotel without paying cash pledge and house money, it is to avoid the occupation of capital, simultaneously user is without carrying out operating on any line, breaks through network restriction.For hotel, save service personal and collect the loaded down with trivial details formality such as cash pledge, house money, it is to avoid too much manual operation, improve and handle the efficiency moved in, and then promote Consumer's Experience.
Optionally, in above-mentioned scene, when server 20 determines the obligation authority do not held for user account, can judge whether described user account meets the credit benchmark preset based on the historical operational information of described user account, when described user account meets described default credit benchmark, can sending authorized application to user, user after the above-mentioned obligation authority of grant service device 20, can adopt the means of payment of " credit is lived " when this is moved in.
In the present embodiment, described historical operational information may include that credit card repayment situation, violation of agreement etc., and described credit benchmark can be configured by developer, relatively simple, and described credit benchmark can be set to certain numerical range by developer.Server 20 can after getting described historical operational information, quantify each historical operational information, it is then based on the historical operational information after quantifying, calculate the credit scoring of user account, and judge whether described credit scoring meets described credit benchmark, when described credit scoring meets described credit benchmark, it may be determined that the credit situation of user is better, perform to send the flow process of authorized application.When described credit scoring is unsatisfactory for described credit benchmark, it may be determined that the credit situation of user not yet reaches the standard of " credit is lived ", transmission cannot use the message of " credit is lived " to terminal 10, and user needs to pay cash pledge, house money in the conventional mode.Certainly, according to correlation technique, it would however also be possible to employ other mode determines the credit of user, and then determines whether to send authorized application to user, and this is no longer repeated by the application one by one.
In the present embodiment, server 20 can adopt following two mode to send authorized application to user:
First kind of way: server 20 sends authorized application to business provider's terminal, and namely server 20 sends authorized application to the terminal 10 of business provider.Wherein, described authorized application generally includes: open the relevant provision of " credit is lived ".Relatively simplely, server 20 can generate the Quick Response Code including described authorized application, and then described Quick Response Code is sent to the terminal 10 of business provider.The terminal 10 of business provider is after receiving described Quick Response Code, described Quick Response Code can be showed user by the service personal on foreground, user can use the user terminal (mobile phone such as user oneself) of login service end scan as described in Quick Response Code, the relevant provision of " credit is lived " carried in described Quick Response Code can be showed user by user terminal, after user reads agreement, can select confirm option, user terminal so can to server 20 send allow authorized order.Server 20 is after receiving described permission authorized order, it is possible to user account is labeled as and opens the account of " credit is lived ", and determines and hold the obligation authority for user account.In doing so, user just can adopt the Payment Methods of " credit is lived " when this is moved in, it is not necessary to pays cash pledge and house money.In the present embodiment, above-mentioned user terminal is the terminal unit based on described user account login service end, and described user terminal may include that mobile phone, panel computer etc., and this is not particularly limited by the application.
The second way, server 20 sends authorized application to the user terminal logged in based on described user account.In the present embodiment, described authorized application according to described user account, can be pushed to the user terminal logged in based on described user account by server 20.Described user terminal is after receiving described authorized application, it is possible to described authorized application is showed user, after user reads agreement, it is possible to select confirm option, user terminal so can to server 20 send allow authorized order.With reference to first kind of way, server 20 is after receiving described permission authorized order, user account can be labeled as the account opening " credit is lived ", and determine and hold the obligation authority for user account, server 20 can also send the message etc. confirming to adopt the mode of " credit is lived " to pay the bill to terminal 10, and this is no longer going to repeat them for the application.
It is understood that the business realizing scheme that the application provides is not limited to above-mentioned hotel occupancy, pays the application scenarios of house money.Above-mentioned business provider disclosed in the present application can also be other beneficiaries, and such as: restaurant, retail shop etc., business operation request can also be asked for other gatherings, such as: collecting the request etc. of dinner cost, this is not particularly limited by the application.
Corresponding with the embodiment of aforementioned service implementation method, present invention also provides the embodiment of business realizing device.
The embodiment of the application business realizing device can be applied in service end.Device embodiment can be realized by software, it is also possible to is realized by the mode of hardware or software and hardware combining.Implemented in software for example, as the device on a logical meaning, it is that computer program instructions corresponding in nonvolatile memory is read to run in internal memory and formed by the processor by its place service end.Say from hardware view, as shown in Figure 4, a kind of hardware structure diagram for the application business realizing device place service end, except the processor shown in Fig. 4, internal memory, network interface and nonvolatile memory, in embodiment, the service end at device place is generally according to the actual functional capability of this service end, other hardware can also be included, this is repeated no more.
Fig. 5 is the structured flowchart of a kind of business realizing device shown in the application one exemplary embodiment.
Refer to Fig. 5, described business realizing device 400 can be applied in the service end shown in earlier figures 4, includes: information receiving unit 401, authority confirmation unit 402, business performance element the 403, first application unit the 404, first granted unit the 405, second application unit the 406, second granted unit 407 and credit judging unit 408.
Wherein, described information receiving unit 401, receive the subscriber identity information that business provider's terminal sends；
Described authority confirmation unit 402, judges whether to hold the operating right for user account according to described subscriber identity information；
Described business performance element 403, if holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, completes described business operation based on described user account.
Described first application unit 404, if not holding the operating right for user account, then sends authorized application to described business provider's terminal, for described business provider's terminal, described authorized application is sent to user terminal；
Described first granted unit 405, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account；
Wherein, described user terminal is based on described user account login service end.
Described second application unit 406, if not holding the operating right for user account, then sends authorized application to the user terminal logged in based on described user account；
Described second granted unit 407, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account.
Described credit judging unit 408, when not holding the operating right for user account, historical operational information based on described user account judges whether described user account meets the credit benchmark preset, when described user account meets described default credit benchmark, notify that the first application unit or the second granted unit perform to send the flow process of authorized application.
Optionally, described business provider is beneficiary, and the request of described business operation is gathering request, and described operating right is obligation authority, and described business operation is delivery operation.
What in said apparatus, the function of unit and the process that realizes of effect specifically referred in said method corresponding step realizes process, does not repeat them here.
For device embodiment, owing to it corresponds essentially to embodiment of the method, so relevant part illustrates referring to the part of embodiment of the method.Device embodiment described above is merely schematic, the wherein said unit illustrated as separating component can be or may not be physically separate, the parts shown as unit can be or may not be physical location, namely may be located at a place, or can also be distributed on multiple NE.Some or all of module therein can be selected according to the actual needs to realize the purpose of the application scheme.Those of ordinary skill in the art, when not paying creative work, are namely appreciated that and implement.
The foregoing is only the preferred embodiment of the application, not in order to limit the application, all within spirit herein and principle, any amendment of making, equivalent replacements, improvement etc., should be included within the scope that the application protects.
Claims (10)
1. a service implementation method, is applied in service end, it is characterised in that described method includes:
The subscriber identity information that reception business provider's terminal sends；
Judge whether to hold the operating right for user account according to described subscriber identity information；
If holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, complete described business operation based on described user account.
2. method according to claim 1, its feature is being in that, described method also includes:
If not holding the operating right for user account, then send authorized application to described business provider's terminal, for described business provider's terminal, described authorized application is sent to user terminal；
After receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account；
Wherein, described user terminal is based on described user account login service end.
3. method according to claim 1, it is characterised in that described method also includes:
If not holding the operating right for user account, then send authorized application to the user terminal logged in based on described user account；
After receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account.
4. according to the method in claim 2 or 3, it is characterised in that described method also includes:
When not holding the operating right for user account, the historical operational information based on described user account judges whether described user account meets the credit benchmark preset；
If described user account meets described default credit benchmark, then perform to send the flow process of authorized application.
5. method according to claim 1, it is characterised in that
Described business provider is beneficiary, and the request of described business operation is gathering request, and described operating right is obligation authority, and described business operation is delivery operation.
6. a business realizing device, is applied in service end, it is characterised in that described device includes:
Information receiving unit, receives the subscriber identity information that business provider's terminal sends；
Authority confirmation unit, judges whether to hold the operating right for user account according to described subscriber identity information；
Business performance element, if holding the operating right for user account, then, after receiving the business operation request that business provider's terminal sends, completes described business operation based on described user account.
7. device according to claim 6, its feature is being in that, described device also includes:
First application unit, if not holding the operating right for user account, then sends authorized application to described business provider's terminal, for described business provider's terminal, described authorized application is sent to user terminal；
First granted unit, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account；
Wherein, described user terminal is based on described user account login service end.
8. device according to claim 6, it is characterised in that described device also includes:
Second application unit, if not holding the operating right for user account, then sends authorized application to the user terminal logged in based on described user account；
Second granted unit, after receiving the permission authorized order that described user terminal sends, it is determined that hold the operating right for user account.
9. the device according to claim 7 or 8, it is characterised in that described device also includes:
Credit judging unit, when not holding the operating right for user account, historical operational information based on described user account judges whether described user account meets the credit benchmark preset, when described user account meets described default credit benchmark, notify that the first application unit or the second granted unit perform to send the flow process of authorized application.
10. device according to claim 9, it is characterised in that
Described business provider is beneficiary, and the request of described business operation is gathering request, and described operating right is obligation authority, and described business operation is delivery operation.
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| CN201610067703.5A CN105741119A (en) | 2016-01-29 | 2016-01-29 | Business implementation method and device |
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| CN201610067703.5A CN105741119A (en) | 2016-01-29 | 2016-01-29 | Business implementation method and device |
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| CN110264242A (en) * | 2019-05-21 | 2019-09-20 | 中国平安人寿保险股份有限公司 | A kind of business handling qualification verification mechanism, equipment and computer readable storage medium |
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| CN108460587A (en) * | 2017-02-18 | 2018-08-28 | 郭建军 | A kind of system and method for extension payment approach |
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| CN108173749B (en) * | 2018-01-14 | 2020-06-12 | 烟台天赐慧邦企业管理有限公司 | Mobile payment method and device based on big data and mobile terminal |
| CN110264242A (en) * | 2019-05-21 | 2019-09-20 | 中国平安人寿保险股份有限公司 | A kind of business handling qualification verification mechanism, equipment and computer readable storage medium |
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