Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.
Fig. 1 illustrates a service platform, which may be used to execute the method of this embodiment, and as shown in fig. 1, the service platform 11 may include: a subscriber module 12, a service change execution module 13 and a service execution module 14. Wherein, the user can generate a service request party, such as a first service request party, through the user module 12 on the service platform; the service requester needs to acquire service resources to complete the service execution. The user can transmit the service resource to the service execution module 14 through the resource transmission channel, and the service execution module 14 completes the execution of the service; as shown in fig. 1, the service execution module 14 may input the received service resource to the first service requester, and the execution of the "original service" is finished.
For each module in the service platform, the module may be a computer executable instruction. Illustratively, for example, a service platform may include a processing component including one or more processors and a memory resource represented by a memory for storing computer instructions executable by the processing component, such as the modules described above, i.e., the instructions stored in the memory may include one or more modules each corresponding to a set of instructions. The processing component may call instructions in memory to perform the business change method in this embodiment.
In addition, the service platform may also include other components, such as a power supply component, for performing power management of a device on which the platform is located; a network interface may also be included and may be used to interface with a network, for example, to receive traffic resources transmitted by users over the network.
The service changing method in the embodiment of the present application is suitable for, when the service execution module 14 has received the service resource, but the service interaction between the service resource and the first service requester fails due to some reason, using the service resource for interacting with the second service requester, that is, changing to execute a "new service", so that not only is a cost loss caused by returning the service resource along an original resource transmission channel avoided, but also the received service resource can be maximally used, and the flexibility of the service interaction is improved. Whereas the service change execution module 13 in fig. 1 is used to perform a change from "original service" to "new service".
Fig. 2 illustrates a flow of the service change method of the present embodiment, which may include:
201. determining that a current service failed to be executed meets a preset service change condition, wherein the current service comprises: a service resource and a first service requestor.
202. And acquiring a second service request party corresponding to the service resource, and executing service interaction between the service resource and the second service request party.
In step 201, when the service execution module 14 fails to execute the original service, the elements included in the original service, such as the service resource and the first service requester, may be transmitted to the service change execution module 13, and the service change execution module 13 determines whether the service resource is suitable for changing the service requester (the service change in this embodiment is actually a change of the service requester corresponding to the same service resource), and not all the service resources are suitable for changing.
The service change condition may be set according to actual conditions, and this embodiment is not limited, and may include: the service resource does not match the request resource of the first service requester (e.g., the amount of the service resource is less than the amount of the resource required by the service requester); or, the first service requester is in a state where service interaction cannot be performed (for example, the service requester changes state due to too long waiting resource time); alternatively, the service resource does not establish a corresponding relationship with the first service requester (for example, the service execution module 14 performs service execution according to the resource having the corresponding relationship with the requester). The service change execution module 13 may store the service change condition in advance, and check whether both of the original services that failed to be executed meet the condition.
When the service change performing module 13 determines that the current service meets the service change condition, the service change performing module 13 may start to acquire the second service requester corresponding to the service resource, that is, acquire a new service requester corresponding to the service resource. The second service request party is created in the user module 12, for example, the service change execution module 13 may determine the user information corresponding to the service resource, and display the service resource to the user module 12 corresponding to the user information, that is, one user module 12 may correspond to one user, assuming that a user establishes a corresponding relationship between the service resource (at this time, the resource does not yet reach the service platform) and the first service request party in the user module 12 corresponding to the user, which is equivalent to informing the service execution module 14 of two elements included in the original service to be executed, and subsequently, after receiving the service resource, the service execution module 14 executes the service between the elements according to the corresponding relationship. Therefore, when the original service fails, the service execution module 14 can know, according to the previous record, which user module the original service or the first service requester has been created through, that is, obtain the user information corresponding to the service resource, and display and identify the service resource in the user module to wait for the user to reallocate a new service requester.
After looking up the service resource waiting for reallocation through the user module 12, the user establishes a corresponding relationship between the service resource and the newly created second service requester, that is, a new service to be executed is generated, transmits the corresponding relationship to the service change execution module 13, and transmits the corresponding relationship to the service execution module 14 for service execution. In addition, when the service change execution module 13 cannot determine the user module to which the service resource belongs, the service change execution module may be handed over to another service platform for processing (or the service platform may also be used as one of the modules of the service platform), and the service platform will feed back the user information corresponding to the service resource. After completing the interaction of the new service, the service platform may notify the transmitting party of the service resource (i.e., the opposite end that transmits the resource to the service platform through the resource transmission channel) that the interaction is successful, i.e., the resource has been used successfully.
The service change method described above is described as follows by way of an example: for example, the service platform may be a payment system, the service executed by the service platform may be an international payment service, the service requester may be an order placed by the user in the payment system, the service resource may be funds transferred to the payment system by the user through international remittance (equivalent to a resource transfer channel), and the service interaction is to use the resource to make payment of the order. Correspondingly, when the service change is that the international remittance resource can not complete the payment of the original order, the service change is changed to another order paid by the fund, so as to avoid the commission charge of returning the fund in the original way.
Fig. 3 illustrates an execution flow of the above example, and as shown in fig. 3, the execution flow may include:
301. the current service execution fails;
for example, current services include: funds transferred from the user to the payment system via the international remittance channel fail to pay the user's predetermined binding order, i.e., the order payment fails.
302. Judging whether the current service meets the service change condition;
for example, this step may determine whether funds originally used to pay the order may be reused to execute other orders when the order payment fails.
The service change condition includes, but is not limited to, the following:
for example, the service resource does not match the request resource of the first service requester, i.e. the amount of the international remittance funds is less than the amount of the order to be paid (for example, the order item is already at a high price when the funds arrive, or the payment is not enough after deducting a commission fee in the international remittance process, due to the long international remittance period).
For another example, the first service requester is in a state of being unable to perform service interaction, that is, when the international remittance period is long and funds arrive, the transaction state of the order is closed or changed to another state.
For another example, the service resource does not establish a corresponding relationship with the first service requester, such as that funds cannot be aligned to a corresponding order (for example, remittance to the same TT account); or an order is paid twice, which is a repeat payment.
In the above example, when a transaction cannot be made, i.e., international remittance funds cannot pay for an order, such funds may be referred to as "multiple accounts", i.e., additional funds. The user can sign a binding agreement with the payment system manager, and the payer can perform rebinding of the user order according to the flow of the embodiment for the multi-account fund in advance.
In this step, if the judgment result is that the service change condition is met, the execution is continued 303; otherwise, execution is passed to 309.
303. Judging whether the user information corresponding to the service resource can be determined or not;
for example, for multiple accounts of funds, the payment system needs to determine the attribution of the funds, i.e., which user's funds it is, and only the user to whom the funds are attributed is provided for reuse.
In this step, user information corresponding to the user who creates the first service requester can be obtained according to the first service requester of the service resource. I.e. the user that the funds are for paying the order and the order was created, is known to the payment system and can therefore be attributed accordingly to the user that created the order. If the user corresponding to the fund is determined, continuing 304; otherwise, 305 is performed.
304. Determining a corresponding relation between the service resources and the user information;
in this step, a corresponding relationship is established between the multi-account fund and the attributive user, for example, in actual implementation, the fund is corresponding to the user account for creating the order. Execution continues with 306.
305. Sending the service resource to a service platform to request to determine a user;
for example, for funds that the payment system cannot determine the home user, the funds may be delivered to the service platform, and after the service personnel may determine the user information manually, the user information is fed back to the payment system, that is, after the user information is determined, the user information is returned to 304, and the payment system receives the user information sent by the service platform. Otherwise, if the service platform cannot determine either, go to 309.
306. Displaying the service resources to a user corresponding to the user information;
for example, after the funds are bound to the user at 304, the funds may be displayed in the user's account and may identify that the funds require the user to re-bind to other orders to complete the reuse of the funds. Therefore, the user can know that the current account has funds to be bound according to the identification.
307. Receiving a corresponding relation between the service resources created by the user and a second service request party;
for example, in this step, the user may create a new order for purchasing other items, bind the funds to be bound to the new order, and the payment system may obtain the correspondence between the new funds and the order. For example, the service change execution module notifies the service execution module after acquiring the new corresponding relationship.
308. Performing service interaction between the service resource and a second service request party;
for example, the multiple accounts funds in the above process are used to pay for a new order, completing a new order transaction.
309. Original road multi-account refund;
for example, if the multi-account funds are returned in the same way as the international remittance, the refund process may be charged by the bank again, resulting in an increase in the cost of the user.
The business changing method of the embodiment reprocesses the fund which cannot be normally corresponding to the order due to international remittance, so that the fund can be used in other orders, the problem of expensive handling fee caused by fund return is avoided, and the fund can be used to the maximum extent after being paid out.
The embodiment also provides a service change apparatus, which may be used in a payment system, for example, as shown in fig. 4, the apparatus may include: a condition judgment module 41 and a change processing module 42;
a condition determining module 41, configured to determine that a current service that fails to be executed meets a preset service change condition, where the current service includes: a service resource and a first service requestor;
for example, the condition determining module may be applied to the service change executing module shown in fig. 1, and the module may include the condition determining module.
And the change processing module 42 is configured to acquire a second service requester corresponding to the service resource, and perform service interaction between the service resource and the second service requester.
For example, the module may be located in the service change execution module and the service execution module in fig. 1, for example, the second service requester corresponding to the service resource may be obtained by the service change execution module, and the service interaction between the service resource and the second service requester may be performed by the service execution module.
Further, the condition determining module 41 is specifically configured to determine that the current service failed to be executed meets a preset service change condition when: the service resource is not matched with the request resource of the first service requester; or, the first service request party is in a state that service interaction cannot be executed; or the service resource does not establish a corresponding relation with the first service request party.
As shown in fig. 5, the change processing module 42 may include: home determination unit 421, resource providing unit 422, and information receiving unit 423; wherein the content of the first and second substances,
an attribution determining unit 421, configured to determine user information corresponding to the service resource;
a resource providing unit 422, configured to establish a corresponding relationship between the service resource and the user information, so that the service resource is displayed to a user corresponding to the user information;
an information receiving unit 423, configured to receive a correspondence between the service resource created by the user and the second service requester.
Further, the attribution determining unit 421 is specifically configured to: according to a first service request party corresponding to the service resource, obtaining user information corresponding to a user for creating the first service request party; or receiving the user information sent by the service platform.
Furthermore, the apparatus may further include: a notifying module 43, configured to notify the resource transmitting party that the service resource interaction is successful after the change processing module executes the service interaction between the service resource and the second service requesting party.
For the device embodiments, since they substantially correspond to the method embodiments, reference may be made to the partial description of the method embodiments for relevant points. The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the application. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only exemplary of the present application and should not be taken as limiting the present application, as any modification, equivalent replacement, or improvement made within the spirit and principle of the present application should be included in the scope of protection of the present application.